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.
|Bank of India||BKID|
|Central Bank of India||CBIN|
|Bank of Baroda||BARB|
|Kotak Mahindra Bank||KKBK|
|State Bank of India||SBI|
|IDBI Bank Limited||IBKL|
|Oriental Bank of Commerce||ORBC|
|Punjab and Sind Bank||PSIB|
|South Indian Bank||SIBL|
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.
Yes, the Western Union ‘direct to bank’ service is an easy and convenient way to send funds directly to a receiver’s bank account in select countries.
Check the bank account transfer details to see which countries the service is available in. You’ll find the bank information you’ll need to send money, and how long it will take for the money to be deposited into your receiver's bank account in each country.
Just choose the Bank Account service when you send online or at an agent location. You’ll need the receiver’s bank account details. The requirements vary by country, but usually include:
Check our Direct to Bank Account country information to see which countries the service is available to and the information needed for each country.
A bank code is a series of numbers that’s used to identify banks around the world. They can range from 3 and 23 digits depending on the country of the bank and the type of code.
A bank code may be known as:
For some counties you may need an International Bank Account Number (IBAN) in addition to the bank code.
Ask your receiver for the bank code and IBAN (if applicable). You can refer to the bank account transfer details to see what details are required for each country.
A BIC is a code used to identify banks worldwide. A BIC is the same as a SWIFT code; the terms are interchangeable. A BIC will usually have 8 or 11 digits.
Ask your receiver for the BIC if it is required in their country. You can refer to the bank account transfer details to see what details are required for each country.
An IBAN is used in some countries to uniquely identify a customer’s bank account. The IBAN consists of an alphabetical country code followed by two digits, and then up to thirty-five characters for the bank account number. Some countries require that payment sent from Australia include an IBAN.
Ask your receiver for the IBAN if it is required in their country. You can refer to the bank account transfer details to see what details are required for each country.
Money may be paid into the receiver’s bank account in minutes*, on the same day*, or within 5 working days*, after WU has received the payment, and depending on when and where the money was sent from as well as the location of the receiver’s bank. To know more, see the bank account transfer details page.
*Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, required receiver action(s), agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See Terms for details.
Our money transfer service is set up to be used for personal remittance only and the source of funds must be ascertained. As such, we can only accept payments from your personal bank account. Please ensure that your Western Union profile name matches the name on your bank account. This also helps in the event of a refund request. Please read the Terms for details.