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New to banking from the USA as an NRI? Here's a quick setup guide
Key Takeaways
NRIs can now make UPI payments using their registered mobile numbers linked to NRE/NRO accounts.
- IDFC FIRST Bank allows seamless UPI integration through its advanced mobile banking app or any UPI-enabled platform.
- UPI payments for NRI customers enable instant, secure, and cost-effective remittances to India.
With recent advancements in UPI payments, you can now use your registered mobile number linked to an NRE or NRO account to make quick and cost-effective UPI transactions. IDFC FIRST Bank simplifies this further by allowing seamless integration of your NRI account with its advanced mobile banking app or any other UPI-enabled app. This guide explains everything you need to know about using India’s UPI for NRIs—from setup to benefits and security.
Frequently Asked Questions
What can you do with an NRI account?
An NRI bank account is specially designed to cater to the needs of NRIs. With an NRI account, you can seamlessly send money from abroad, repatriate funds from India, make investments, avail of loans and insurance, conduct a wide range of financial transactions, etc.
Can I open an NRE and NRO account at the same bank?
Yes, you can open both accounts at the same bank.
Can I convert a regular savings account to an NRE account after becoming an NRI?
No, your regular savings account can only be converted to an NRO account. If you need an NRE account, you must open a new one.
Can NRIs use UPI with international mobile numbers?
Yes, NRIs can use the UPI for NRI accounts even with international mobile numbers. This facility enables you to send money, pay bills, and complete merchant transactions from abroad without needing an Indian SIM card. If you have an NRE or NRO account with IDFC FIRST Bank and your international number is registered with the Bank, you're eligible to use UPI.
What are the requirements for NRIs to use UPI payments?
To access UPI payments as an NRI, you must meet the following conditions:
- Ensure you have an NRE/NRO account with an Indian bank that supports UPI transactions.
- Download the IDFC FIRST Bank mobile app. You may also use other UPI-enabled apps to link the NRE/NRO account.
- Verify your mobile number by allowing the app to detect and validate your SIM. Ensure the app supports international numbers.
- Select your bank and link your NRE/NRO account. The app will fetch your account details linked to your registered number.
- You can setup your UPI PIN and start transacting – send money, pay bills, or scan QR codes for merchant payments.
Supported countries include the USA, UK, UAE, Canada, Australia, Singapore, Saudi Arabia, Oman, Qatar, Hong Kong, Germany, Malaysia, Netherlands, France, South Africa, and New Zealand.
How to set up your IDFC NRE/NRO account for UPI using the IDFC FIRST Mobile Banking app?
Here is a simple step-by-step process to set up UPI payments with IDFC FIRST Bank:
- Login to the “IDFC FIRST Bank Mobile Banking” App
- Click on “Pay” Option
- Click on the Right Top corner of “Name Initial” logo
- Click on search icon and type “IDFC FIRST Bank”
- Select NRE/NRO account from the list of UPI payments
- Your bank account will be successfully linked for UPI Payments
Alternately, you may choose to register your IDFC NRE/NRO account with other UPI enabled apps.
With UPI-enabled NRI banking, sending money to India becomes as simple as a tap—fast, secure, and built for your global lifestyle.
Things to keep in mind while using UPI payments
As an NRI, here are a few pointers you need to keep in mind:
- UPI is currently limited to domestic transactions within India. NRIs cannot send money overseas through UPI.
- Transactions must comply with FEMA guidelines and cannot violate foreign exchange regulations.
- After setting up an account, there is a cooling period with a transaction amount limit of Rs. 5,000 for 24 hours.
- After the cooling period ends, you can transfer a maximum of Rs. 1 Lakh per day with the number of transactions limited to 24 times in a day.
Conclusion
India’s UPI system now welcomes NRIs with open arms—offering you the ease of instant and secure payments through your NRE/NRO accounts. Whether you're paying bills, sending money to loved ones, or managing finances on the go, UPI payments for NRI customers make it all effortless. With IDFC FIRST Bank, you can access high-interest NRI accounts, zero inward remittance fees with an NRE account, and a mobile banking experience tailored for global users. Explore UPI-enabled NRI banking with IDFC FIRST Bank today and simplify your money transfers .
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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