How do I send money to India with UPI? — WU R2 US Help Center (2024)

About UPI

Understanding UPI ID

Current list supported banks for international UPI transfer

Send limits using UPI

Steps to send money using a UPI through Western Union

About UPI

Unified Payments Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account.

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 the supported banks list below.

Current list supported banks for international UPI transfer

Below are the banks currently supported. More banks will be made available soon.

Bank Name / Bank Code

ICICI BANK Ltd. / ICIC

AXIS BANK / UTIB

BANK of INDIA / BKID

Andhra Bank / ANDB

YES BANK Ltd. / YESB

INDUSIND BANK Ltd. / INDB

UCO Bank / UCBA

Central Bank of India / CBIN

Bank of Baroda / BARB

Kotak Mahindra bank / KKBK

State Bank Of India / SBI

Allahabad Bank / ALLA

HSBC / HSBC

IDBI Bank Limited / IBKL

Oriental Bank of Commerce / ORBC

Punjab and Sind Bank / PSIB

RBL / RATN

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.
How do I send money to India with UPI? — WU R2 US Help Center (2024)

FAQs

How do I send money to India with UPI? — WU R2 US Help Center? ›

Steps to send money using a UPI through Western Union

Choose to send using a bank pay out and use any payment method. Choose UPI ID under the bank information section. You'll be able to browse all the banks enabled for international UPI transfer. Choose to send your transfer, and you're all set!

How can I send UPI payment from USA to India? ›

Steps to send money using a UPI through Western Union

Choose to send using a bank pay out and use any payment method. Choose UPI ID under the bank information section. You'll be able to browse all the banks enabled for international UPI transfer. Choose to send your transfer, and you're all set!

How to send money through Western Union from USA to India? ›

Frequently asked questions about sending money to India from the U.S.
  1. Log in to your Western Union® profile or register and verify one for free. ...
  2. Type in 'India' as the destination and how much you wish to send. ...
  3. Click on 'Bank account'. ...
  4. Pay for your money transfer by credit2 or debit card.

Does Indian UPI work in USA? ›

*NPCI guidelines allow UPI Payments to India in INR, via overseas numbers from selected geographies: Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA.

How can I send money from USA to India through Wise? ›

What you'll need for your online money transfer to India from the US
  1. Register for free. Sign up online or in our app for free. ...
  2. Choose an amount to send. Tell us how much you want to send. ...
  3. Add recipient's bank details. ...
  4. Verify your identity. ...
  5. Pay for your transfer. ...
  6. That's it.

How do I send money to UPI from the US? ›

How to send money to UPI in 5 easy steps
  1. Create an account using your email address through our website or our app on the App Store or Google Play.
  2. Select the currency, the amount you want to send, and the delivery speed.
  3. Choose how your money is delivered.

Can I send money through Google Pay from USA to India? ›

Send money from USA to India using Google Pay: Step-by-Step

The GPay app essentially lets users send money to India using Wise or Western Union. As a sender on the app, you will have a choice of which provider to use. Here is a step by step guide on sending money to India using Gpay: Tap on your Google Pay/GPay app.

What is the best way to transfer money from USD to INR? ›

Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money.

How do I send money to someone in India from USA? ›

Send money transfers to India from the United States in-store, online or in the MoneyGram mobile app, available on the App Store and Google Play. When using our digital services, you can send money transfers by credit/debit card to a bank account, mobile wallet or for cash pickup at a MoneyGram agent in India.

How long does a Western Union UPI transfer take? ›

The initial transfer may take up to five days pending Receiver registration, with subsequent transactions to the same Receiver bank Account number occurring within minutes.

Why is UPI not available in the USA? ›

Instant payments haven't taken off in the US yet. That's in part because the US economy is card-based. Banks make a lot of money on interchange fees and late payments, which means it's difficult to sacrifice profitable credit and debit cards for free instant payments.

Which banks support UPI International? ›

Steps to Activate UPI International
  • Bank of Baroda.
  • Union Bank of India.
  • Punjab National Bank.
  • Canara Bank.
  • Bank of India.
  • Indian Bank.
  • Central Bank of India.
  • Bank of Maharashtra.

How to use UPI with USA number? ›

To activate international transactions on UPI, follow these steps:
  1. Open your UPI payments app.
  2. Navigate to the 'Scan QR code' option.
  3. Scan the code of the international merchant.
  4. Once prompted, enter the amount you want to pay in foreign currency.
  5. Select the bank account you want to use to pay.
Feb 5, 2024

How to use Wise in the USA? ›

How to send money with Wise
  1. Go to 'Send' From the Home screen, select Send.
  2. Choose where you want to send from. ...
  3. Enter how much you'd like to transfer. ...
  4. Let us know who you're sending money to. ...
  5. Review the details of your transfer. ...
  6. Choose how to pay. ...
  7. That's it!

What is the maximum limit for money transfer from USA to India? ›

IRS rules on international money transfer: There is no limit to the amount of money you can send or receive, however, money transfer service providers/banks/other financial institutions may have a daily transaction limit.

Is Wise safe to send money to India? ›

Read Wise Fees to learn more. Wise has a number of features to keep customer money safe, including thorough account verification, and 24/7 anti-fraud controls. In India Wise works with local banking partners to deliver money transfer services, with the approval of the Reserve Bank of India.

Can UPI be done internationally? ›

UPI services are now available in multiple countries, including Sri Lanka, Mauritius, Bhutan, Oman, Nepal, France, and UAE. NPCI International Payments Limited has signed agreements with Southeast Asia countries.

Does PayPal support UPI? ›

PayPal is a payment gateway provides multiple payment options to the customers for their online transaction. UPI is one of the payment option they provide on their checkout page. Hope this answers your question.

Can NRI use bhim app? ›

Yes, UPI is available for NRI accounts. NRIs can link their NRE/NRO accounts to UPI apps like Bajaj Pay UPI and BHIM UPI.

How do I send money to UPI? ›

Inserting In a UPI ID

Launch the digital payment application and enter the recipient's UPI ID to send money using UPI ID. The required transfer amount must then be entered, and your MPIN must be entered to confirm the transaction. Your payment will be finished in a brief amount of time.

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