Frequently Asked Questions

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Customer support topics

How do I send money to India with UPI?

About UPI

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.

ICICI BankICIC
Axis BankUTIB
Bank of IndiaBKID
Andhra BankANDB
Yes BankYESB
IndusInd BankINDB
UCO BankUCBA
Central Bank of IndiaCBIN
Bank of BarodaBARB
Kotak Mahindra BankKKBK
State Bank of IndiaSBI
Allahabad BankALLA
HSBCHSBC
IDBI Bank LimitedIBKL
Oriental Bank of CommerceORBC
Punjab and Sind BankPSIB
RBLRATN
South Indian BankSIBL

 

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.

  1. Log in to your Western Union profile.
  2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
  3. Choose to send using a bank pay out and use any payment method.
  4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
  5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.
How do I find out if my money has been sent?

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.

How do I find out if a money transfer is available for pickup?

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.

How do I pick up a money transfer?

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:

 

  • MTCN
  • Sender’s Name
  • Receiver’s Name
  • Expected Amount
  • MT Originating City and Country
  • MT Destination City and Country

Acceptable ID documents also are required.

Some restrictions may apply.

What are acceptable ID documents for picking up money?

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.

What about exchange rates?

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.

How long does it take to send money online?

Here are a few ways you can send money online using Western Union:

  • Money in minutes:

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.

  • Money available within 3 banking days:

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.

How much can I send online?

You can send up to 999 CAD per day.

How do I find a Western Union agent location?

Find a nearby agent location online or look for Western Union in your local telephone directory.

How do I send money to a mobile phone?

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.

Check available destination countries and mobile providers.

How do I send money to a bank account?

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.

Can’t find what you are looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care