Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.
Understanding UPI ID
UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”
When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.
To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.
Current list of banks that support international UPI transfer
Below are the banks currently supported. More banks will be made available soon.
|•Abhyudaya Cooperative Bank Limited||•Janata Sahakari Bank Limited||•Airtel Payments Bank Limited||•Jana Small Finance Bank Limited|
|•Andhra Bank||•Karnataka Bank Limited||•The Andhra Pradesh State Cooperative Bank Limited||•Kalupur Commercial Cooperative Bank|
|•Andhra Pragathi Grameena Bank||•Kalyan Janata Sahakari Bank||•Andhra Pradesh Grameena Vikas Bank||•Kotak Mahindra Bank Limited|
|•Apna Sahakari Bank Limited||•Kerala Gramin Bank||•Bassein Catholic Cooperative Bank Limited||•The Karanataka State Cooperative Apex Bank Limited|
|•Bank Of Baroda||•Karnataka Vikas Grameena Bank||•Bandhan Bank Limited||•Laxmi Vilas Bank|
|•Dena Bank||•Bank Of Maharashtra||•Bank Of India||•Maharashtra Gramin Bank|
|•Central Bank Of India||•Mahanagar Cooperative Bank||•City Union Bank Limited||•The Mehsana Urban Cooperative Bank|
|•Canara Bank||•Oriental Bank of Commerce||•Corporation Bank||•G P Parsik Bank|
|•The Cosmos Co Operative Bank Limited||•Pragathi Krishna Gramin Bank||•Catholic Syrian Bank Limited||•Punjab And Sind Bank|
|•Development Bank of Singapore||•Punjab National Bank||•DCB Bank Limited||•Paytm Payments Bank Ltd|
|•Deustche Bank||•Ratnakar Bank Limited||•Deutsche Bank (Bij Alle Sepa-Transacties)||•Rajkot Nagrik Sahakari Bank Limited|
|•Dhanalakshmi Bank||•State Bank of India||•Equitas Small Finance Bank Limited||•Standard Chartered Bank|
|•Federal Bank||•South Indian Bank||•Fino Payments Bank||•The Surath Peoples Cooperative Bank Limited|
|•Fincare Small Finance Bank Ltd||•Saraswat Cooperative Bank Limited||•The Gujarat State Cooperative Bank Limited||•Suryoday Small Finance Bank Limited|
|•Hasti Coop Bank Ltd||•The Shamrao Vithal Cooperative Bank||•HSBC Bank||•Syndicate Bank|
|•IDBI Bank||•The Thane Bharat Sahakari Bank Limited||•ICICI Bank Limited||•TJSB Sahakari Bank Limited|
|•IDFC Bank Limited||•Tamilnad Mercantile Bank Limited||•Indian Bank||•The Tamil Nadu State Apex Cooperative Bank|
|•Indusind Bank||•Union Bank Of India||•Indian Overseas Bank||•UCO Bank|
|•India Post Payment Bank||•Ujjivan Small Finance Bank Limited||•Jammu And Kashmir Bank Limited||•Axis Bank|
|•Jio Payments Bank Limited||•The Varachha Cooperative Bank Limited||•Janakalyan Sahakari Bank Limited||•Vijaya Bank|
|•Karur Vysya Bank||•The Vishweshwar Sahakari Bank Limited||•Vasai Vikas Sahakari Bank Limited||•Yes Bank|
Send limits using UPI
Currently, you can send up to 200,000 INR per transfer.
Steps to send money using a UPI through Western Union
Western Union is the first money transfer service company to use a UPI transfer internationally.
Any time after sending, you can check your transfer status online. All you need is your name and the tracking number (MTCN) printed on your receipt.
You can check your transfer status online . All you need is the sender’s name and the tracking number (MTCN) printed on the sender’s receipt.
You can pick up your money at any agent location. You’ll need to complete a “To Receive Money” form and include the following information:
Acceptable ID documents also are required.
Some restrictions may apply.
Depending on the country and the agent, where the receiver picks up the money, the acceptable IDs will vary. In general passports and national IDs are acceptable. A driver’s license might not be valid.
In some cases the receiver might also need to verify their current address, for example with a utility bill.
When you send money internationally, your receiver generally will be paid in local currency. The exact amount will be calculated based on the exchange rate applicable at the time the transaction was sent. However, for transfers to certain countries, the exact amount will be calculated based on the exchange rate applicable at the time of receipt.
Here are a few ways you can send money online using Western Union:
If your money is needed within minutes, you can send online using your credit or debit card. Receivers can pick up cash at Western Union locations worldwide, depending on the hours of operation at that location and other applicable Restrictions. See Terms and Conditions for details.
If your receiver lives in a country where we offer mobile money transfer, you can send money to their mobile phone in a matter of minutes. Make sure your receiver has activated a mobile wallet with one of our partner mobile operators in their country.
Direct to bank money transfers will generally be credited at the receiver’s Bank account within 3 banking business days after money is sent, subject to Restrictions. See Terms and Conditions for details.
You can send up to 999 CAD per day.
Find a nearby agent location online or look for Western Union in your local telephone directory.
If your receiver lives in a country where we offer this service, you can send money to their mobile phone. Make sure your receiver has activated a mobile wallet with one of our partner mobile phone operators in their country.
This service is available for certain countries. Money will be deposited within 3 business days.
After you send money, ask your receiver to contact their bank or check their bank statement to verify the deposit.
If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care