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 transfers
Below are the banks currently supported. More banks will be made available soon.
| •Abhyudaya Cooperative Bank Limited | •Deutsche Bank (Bij Alle Sepa-Transacties) | •Jana Small Finance Bank Limited | •State Bank of India |
| •Airtel Payments Bank Limited | •Dhanalakshmi Bank | •Karnataka Bank Limited | •Standard Chartered Bank |
| •Andhra Bank | •Equitas Small Finance Bank Limited | •Kalupur Commercial Cooperative Bank | •South Indian Bank |
| •The Andhra Pradesh State Cooperative Bank Limited | •Federal Bank | •Kalyan Janata Sahakari Bank | •The Surath Peoples Cooperative Bank Limited |
| •Andhra Pragathi Grameena Bank | •Fino Payments Bank | •Kotak Mahindra Bank Limited | •Saraswat Cooperative Bank Limited |
| •Andhra Pradesh Grameena Vikas Bank | •Fincare Small Finance Bank Ltd | •Kerala Gramin Bank | •Suryoday Small Finance Bank Limited |
| •Apna Sahakari Bank Limited | •The Gujarat State Cooperative Bank Limited | •The Karanataka State Cooperative Apex Bank Limited | •The Shamrao Vithal Cooperative Bank |
| •Bassein Catholic Cooperative Bank Limited | •Hasti Coop Bank Ltd | •Karnataka Vikas Grameena Bank | •Syndicate Bank |
| •Bank Of Baroda | •HSBC Bank | •Laxmi Vilas Bank | •The Thane Bharat Sahakari Bank Limited |
| •Bandhan Bank Limited | •IDBI Bank | •Bank Of Maharashtra | •TJSB Sahakari Bank Limited |
| •Dena Bank | •ICICI Bank Limited | •Maharashtra Gramin Bank | •Tamilnad Mercantile Bank Limited |
| •Bank Of India | •IDFC Bank Limited | •Mahanagar Cooperative Bank | •The Tamil Nadu State Apex Cooperative Bank |
| •Central Bank Of India | •Indian Bank | •The Mehsana Urban Cooperative Bank | •Union Bank Of India |
| •City Union Bank Limited | •Indusind Bank | •Oriental Bank of Commerce | •UCO Bank |
| •Canara Bank | •Indian Overseas Bank | •G P Parsik Bank | •Ujjivan Small Finance Bank Limited |
| •Corporation Bank | •India Post Payment Bank | •Pragathi Krishna Gramin Bank | •Axis Bank |
| •The Cosmos Co Operative Bank Limited | •Jammu And Kashmir Bank Limited | •Punjab And Sind Bank | •The Varachha Cooperative Bank Limited |
| •Catholic Syrian Bank Limited | •Jio Payments Bank Limited | •Punjab National Bank | •Vijaya Bank |
| •Development Bank of Singapore | •Janakalyan Sahakari Bank Limited | •Paytm Payments Bank Ltd | •The Vishweshwar Sahakari Bank Limited |
| •DCB Bank Limited | •Karur Vysya Bank | •Ratnakar Bank Limited | •Vasai Vikas Sahakari Bank Limited |
| •Deustche Bank | •Janata Sahakari Bank Limited | •Rajkot Nagrik Sahakari Bank Limited | •Yes Bank |
Currently, you can send up to 200,000 INR per transfer. Send limits using UPI
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.