Indian UPI Goes International: India’s Unified Payments Interface (UPI) has revolutionized digital payments within the country, offering speed, convenience, and security. Initially catering to domestic needs, UPI has now emerged as the top choice for transactions in India. Recognising the demand from Indians travelling abroad, the Government of India has extended UPI services to several international countries, including France and UAE, making it easier for NRIs to conduct transactions overseas.
Countries Where Indian UPI Service is Available
If you’re an Indian traveller heading to any of the following countries, rejoice! You can make online transactions using UPI in these locations:
- France
- Bhutan
- Nepal
- Oman
- UAE
- Malaysia
- Thailand
- Philippines
- Vietnam
- Singapore
- Cambodia
- Hong Kong
- Taiwan
- South Korea
- Japan
- United Kingdom
- Europe
Digital Payments Made Easy: Using UPI Apps in Foreign Lands
To facilitate UPI transactions abroad, you can utilize popular UPI-enabled mobile apps like PhonePe, Google Pay, or Paytm. These apps allow seamless management of digital payments using your UPI ID or linked bank account number, providing a secure and convenient way to pay while overseas.
Step-by-Step Guide: How to Use UPI Apps in Other Countries
Here’s a simple guide to using UPI apps in countries where Indian UPI is available:
- Download a UPI-enabled mobile app like PhonePe, Google Pay, or Paytm that supports international UPI transactions in your destination country.
- Register your Indian bank account with the UPI app.
- Provide the necessary bank account details of the recipient, including their account number, IBAN, BIC, and the currency of the transfer amount.
- Upon completing the transaction, you will receive a confirmation message.
Considerations and Fees: Important Notes for UPI Transactions Abroad
While UPI payments abroad offer great convenience, it’s essential to be aware of certain additional fees such as exchange charges and foreign exchange fees that may apply to each transaction. Additionally, UPI services may gradually roll out in some countries, so availability may vary.
Empowering NRIs: How to Use UPI if You Are Traveling from India
For non-resident Indians (NRIs), using UPI is equally straightforward:
- Download a UPI-based mobile app like PhonePe, Google Pay, or Paytm.
- Register your NRE or NRO account with the app.
- Provide your Indian mobile number and bank account details.
- Once linked, anyone with a UPI ID in India can use your UPI to make payments.
- UPI can also be utilized for paying for goods and services at merchant outlets in India.
Beyond Borders: UPI for Goods and Services in India
Beyond international transactions, UPI continues to be a reliable and efficient payment method for goods and services within India, providing a seamless and cashless experience.
