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Overview
Recognising the global utility of UPI payments, the National Payments Corporation of India (NPCI) has extended UPI services to NRIs (Non-Resident Indians), enabling them to use UPI through international mobile numbers linked to their NRE or NRO accounts.
At IDFC FIRST Bank, we bring this global convenience to you. Our NRI account holders (NRE/NRO) can now enjoy the benefits of UPI international services through the IDFC FIRST Bank mobile banking app or any UPI-enabled app that accepts international numbers. Whether you are residing in the UAE, Singapore, or any of the countries that support international numbers on UPI, you can effortlessly scan UPI QR codes or transfer funds using your international mobile number.
This facility ensures that you stay connected to Indian financial services no matter where you are in the world. By linking your international number to your NRE or NRO account, you can make utility bill payments, send money to family in India, or transact with local vendors with utmost ease using UPI for NRIs.
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Benefits of UPI for NRIs
UPI for NRIs opens up a world of convenience and flexibility in transactions across merchants and person-to-person fund transfers in India.
Bill payments/ Funds transfer
Make instant payments from anywhere in the world, whether you're paying utility bills or sending money to loved ones in India.
Secure money transfer mode
All UPI transactions are encrypted and governed by robust NPCI security protocols, ensuring safe transfers.
Easy to manage payments
Access and manage your NRE/NRO accounts through an UPI app anytime, without the need for Indian mobile numbers.
No need for Indian SIM
Operate UPI for NRI services using your international number—no Indian mobile SIM required.
Available anytime
Our prompt UPI money transfer services are available at all times.
Features of NRI UPI
IDFC FIRST Bank’s UPI services for NRI account holders come with a host of practical features designed for your convenience:
Features of NRI UPI
IDFC FIRST Bank’s UPI services for NRI account holders come with a host of practical features designed for your convenience:
Scan any Indian QR code
Pay merchants and vendors by scanning standard UPI QR codes at shops or service providers across India.
Ease of Funds transfer
Transfer money to any individual with a UPI ID linked to an Indian mobile number or account.
Send money using account details
Easily send funds using the recipient’s account number and IFSC via your UPI app.
Make payments using UPI ID
Conduct transactions using your unique UPI ID instead of remembering lengthy account details.
Eligibility for NRI UPI
To enjoy UPI for NRI services, you need to meet the following eligibility criteria:
NRI status with international number: You must be an NRI residing outside India with an international mobile number.
Active NRE/NRO account with IDFC FIRST Bank: Customers with active NRE or NRO accounts are eligible to link their numbers to UPI.
UPI-enabled app supporting international numbers: You must use a UPI app that supports linking global mobile numbers such as the IDFC FIRST Bank Mobile Banking App
List of countries supported for UPI with international Mobile Number: You should reside in any of the 12 NPCI-approved UPI international countries, including the UAE, Singapore, Australia, Canada, Hong Kong, Oman, Qatar, the USA, the UK, Saudi Arabia, Malaysia and France.
Step-by-step guide to set up UPI for NRIs
Follow these simple steps to activate UPI international using your NRE/NRO account and international number:
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1
Choose an UPI app like the IDFC FIRST Bank Mobile App that comes with global mobile number support.
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2
Sign up using your international number (ensure it is registered with your NRE/NRO account).
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3
Enter the OTP sent to your registered mobile number and choose IDFC FIRST Bank from the list of banks.
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4
Select your account and create a secure UPI PIN for transactions.
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5
Begin making payments, scanning QR codes, or transferring funds using your global number.
Transaction limits & charges on NRI UPI
UPI for NRI users follows the same transaction protocols laid down by NPCI for domestic users and as per banks’ policies. Here are the limits and charges applicable:
| Parameter | Limit/Charge |
|---|---|
| Daily transaction limit | ₹1,00,000 (cumulative value) or up to 20 transactions |
| New UPI ID limit | ₹5,000 for the first 24 hours |
| Post-24-hour limit | Reset to ₹1,00,000 |
| Transaction charges | Generally NIL; as per app/bank policy |
Note:
*These limits apply to all UPI international users, including NRIs using their international numbers.
*Actual limits may vary depending on the UPI app or the respective bank’s policies.
Frequently asked questions
Can NRIs make instant payments through UPI?
Yes, NRIs can use UPI to send money in India instantly from their NRE or NRO accounts using any UPI-enabled app that supports international mobile numbers. This facility allows quick and secure peer-to-peer transfers, bill payments, and merchant transactions without delays, making it highly convenient for overseas Indians.
Can I receive money from abroad using UPI?
UPI is primarily a domestic (within India) payment platform. You cannot receive direct remittances from abroad via UPI. UPI is not currently designed for cross-border inward remittances.
What is the UPI limit for NRI?
As per NPCI guidelines, the daily UPI transaction limit for NRIs is ₹1 lakh. However, during the first 24 hours of UPI ID creation or registration of a new device, a cap of ₹5,000 is applicable. Post the initial period, you can transact up to ₹1 lakh per day subject to app or bank-specific restrictions.
Which UPI transactions can be performed by NRIs using an international mobile number?
NRIs can perform the following UPI transactions using their international mobile number:
- • Transfer funds to other UPI users
- • Pay at merchant outlets in India by scanning QR codes
- • Make utility bill payments
- • Send money using your UPI ID, mobile number, or bank details
- • Check balances and track transaction history
Are there any charges applicable on UPI for NRI transactions?
UPI transactions are largely free of cost. IDFC FIRST Bank does not levy any additional charges on NRI UPI transactions. However, other banks or UPI apps used by NRIs may impose minor fees or limits depending on its internal policies. It is advisable to check with the respective app/bank before transacting.
Do NRIs need an Indian mobile number for UPI transactions?
No, NRIs do not need an Indian mobile number to access UPI services. With the latest NPCI guidelines, international mobile numbers from select UPI-supported countries can be linked to NRE or NRO accounts. Once linked, you can access all UPI features using your international number.
What if an NRI’s UPI transaction fails?
If your UPI transaction fails, the deducted amount is usually auto refunded to the original account. You can also raise a complaint via your UPI app or contact IDFC FIRST Bank’s customer support in case of any issues. Always ensure a stable internet connection while performing UPI transactions.
Is Aadhaar mandatory for NRI UPI transactions?
No, Aadhaar is not mandatory to use UPI for NRIs. You only need an active NRE or NRO account and your international number should be part of select UPI-supported countries.
How to change a mobile number linked to NRI UPI?
To update your mobile number for UPI, you must first update it with your NRE/NRO account at IDFC FIRST Bank. Once updated, re-register on your UPI app with the new number. UPI will validate it and link it with your account for further use.
Does IDFC Bank mobile app support UPI transactions for NRIs?
Yes. IDFC Bank mobile app does support UPI transactions for NRIs. Support availability may vary based on your country and device compatibility.