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Introduction: Why NRIs Need UPI Access
Unified Payments Interface (UPI) has revolutionized how India handles digital transactions. As an NRI or HNI, you likely face challenges when making payments or sending money from abroad. Now, with recent updates in 2025, NRIs can set up UPI using their international mobile number, removing a major barrier to seamless banking.
This guide shows you how to set it up, which banks support it, and how to maximize its benefits—no matter where in the world you reside.
What Is UPI and Why It Matters for NRIs
Understanding UPI
UPI (Unified Payments Interface) is India’s leading real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to transfer money instantly via mobile using a virtual payment address (VPA).
Why NRIs Should Use UPI
- Instant payments to family, vendors, and services in India
- Seamless donations, bill payments, and investments
- No need to convert currency for routine transfers
Using UPI through an international mobile number bridges the gap between your global presence and Indian financial commitments.
Eligibility: Who Can Use UPI with a Foreign Number
As of 2025, select Indian banks have enabled UPI functionality for NRIs with international mobile numbers linked to NRE or NRO accounts.
Basic Criteria
- You must have a valid NRE or NRO account in a participating bank
- Your international number must be active and linked to the account
- Your number must be from a supported country (see below)
Required Documents
- Valid Indian passport
- Proof of NRI status (visa, overseas address proof)
- KYC-compliant bank account
Supported Countries and Banks (2025 Update)
As per recent RBI and NPCI approvals, the following countries are supported:
Supported Countries
- United States (US)
- United Kingdom (UK)
- United Arab Emirates (UAE)
- Australia
- Canada
- Singapore
- Hong Kong
- Saudi Arabia
- Qatar
- Oman
- Kuwait
- Bahrain
Participating Banks
- IDFC First Bank (first to roll out this service)
- State Bank of India (SBI)
- ICICI Bank
- HDFC Bank
- Axis Bank (announced for Q3 2025 launch)
Step-by-Step Guide: Setting Up UPI with an International SIM
Follow this simple process to get started:
Step 1 – Check with Your Bank
Ensure your bank allows UPI registration with international numbers. You can do this through:
- Customer care helpline
- Visiting the official website
- Checking your internet banking portal
Step 2 – Install the UPI App
Install one of the supported UPI apps such as:
- IDFC First Bank App
- BHIM App
- Google Pay India (limited support)
- PhonePe (coming soon for NRIs)
Step 3 – Register Using International Number
- Use your international mobile number during registration
- OTP will be sent to your foreign number (ensure roaming is active)
- Link your NRE/NRO account securely
Step 4 – Set UPI PIN
- Follow the app steps to set a secure UPI PIN
- Do not share this PIN under any circumstances
Step 5 – Start Transacting
You can now:
- Send/receive payments in INR
- Scan Indian merchant QR codes
- Pay utility bills or contribute to Indian mutual funds
Pro Tips to Make UPI Usage Seamless from Abroad
Keep Roaming Enabled
Ensure your international number has roaming enabled to receive OTPs and verification codes without delays.
Use Secure Wi-Fi or VPN
If accessing UPI apps from restricted countries, use a trusted VPN to ensure privacy and connection stability.
Monitor Transactions Regularly
Use bank alerts and notifications to stay informed of every UPI activity.
Link to NRO for Local Expenses
For frequent Indian expenses, linking UPI to an NRO account can help with taxes and compliance.
FAQs for NRIs Using UPI Internationally
Is UPI free for NRIs?
Yes, most banks do not charge fees for UPI transactions. However, verify any foreign SMS charges.
Can I use UPI on dual SIM phones?
Yes, but make sure the international number is selected as primary for the UPI app.
Is UPI available for corporate NRI accounts?
Currently, only individual NRE/NRO account holders are eligible.
What if my international number changes?
You’ll need to re-register your UPI credentials with the new number through your bank.
Can I link multiple Indian bank accounts with my international number?
Yes, you can link multiple NRE/NRO accounts if they are supported by your UPI app.
Can I use UPI for investing in Indian mutual funds or IPOs?
Yes, several platforms now allow UPI payments for mutual funds and IPOs. Read more here: NRI Mutual Fund Investment Guide
Is there a daily transaction limit on UPI for NRIs?
Most banks cap UPI transactions at INR 1 lakh per day, but this can vary. Confirm limits with your bank.
Conclusion: A New Era of Convenience for NRIs
Setting up UPI with an international mobile number opens a new chapter of ease, speed, and security for NRIs managing their Indian finances. With leading banks enabling this feature and NPCI expanding support in 2025, there has never been a better time to stay connected to India’s digital payments revolution.
Make the move today—simplify your transactions, empower your finances, and stay globally connected.
Helpful Resources:
UPI with International Number – Economic Times
Also Read:
👉 Top Investment Options for NRIs