In brief

NRIs with supported NRE/NRO accounts can use eligible overseas mobile numbers for UPI. A listed country does not make every bank or app compatible. Match all three against NPCI’s list, then confirm onboarding with your bank. This is different from paying an overseas merchant using UPI International.

Start with NPCI: UPI for NRIs: supported countries, banks and apps (opens in a new tab)

Published-list checker

Check your UPI starting point

NPCI list snapshot reviewed 24 October 2026. This checks listed components, not live support or personal eligibility. No account or phone number is requested.

Choose all three options, then check.

Read the complete published snapshot

Countries and number codes

Australia (+61) · Canada (+1) · France (+33) · Hong Kong (+852) · Malaysia (+60) · Oman (+968) · Qatar (+974) · Saudi Arabia (+966) · Singapore (+65) · United Arab Emirates (+971) · United Kingdom (+44) · United States (+1)

Banks

AU Small Finance Bank · Axis Bank · Canara Bank · City Union Bank · DBS Bank · Equitas Small Finance Bank · Federal Bank · HDFC Bank · ICICI Bank · IDFC FIRST Bank · IndusInd Bank · Kotak Mahindra Bank · Punjab National Bank · South Indian Bank · State Bank of India · Yes Bank

Applications

BHIM AU · BHIM · FedMobile · iMobile · IDFC FIRST Bank Mobile Banking · BHIM Indus Pay · Kotak Mobile Banking · PhonePe · SIB Mirror+

Check NPCI’s current list →

Your next steps

0 of 5 steps complete · Next: Check the three-way match

  1. Prepare the registered phone

    Ensure the same overseas number is registered with the bank. Ask whether outbound verification SMS, roaming, the SIM in the device and device binding are required. Keep a backup payment method.

  2. Onboard through the official app

    Install through a trusted app store or the bank’s official link. Follow the app’s account-discovery and UPI PIN process. Never tell a caller your PIN or OTP.

  3. Test before the trip

    Make a small authorised payment, confirm the payee and retain the reference. Ask the bank about limits and blocked transaction types.

  4. Resolve a failure at the right point

    If the account is not discovered, verify mobile/KYC details with the bank; if registration or SMS fails, check app/SIM requirements. For a debit without completion, keep the UPI reference and raise an in-app/bank dispute.

Suggested preparation sequence. Your authority may require a different order. Progress stays on this device.

What to have ready

0 of 4 prepared

Keep documents in your own secure records. Tick what you have; nothing is uploaded.

Continue your preparation

Visiting India: a practical NRI checklistOrganise payments, documents, family appointments and departure records in one short visit.Convert a resident bank account to NRO: an NRI checklistA practical checklist for your existing bank, with the reasons, documents and follow-through.
More connected guides

Your monthly NRI money and administration routine

Questions to take to an adviser

  • Does this app support my bank, number and account type together?
  • What limits, verification SMS and roaming requirements apply?
  • Where do I raise a failed-payment dispute?
Pause if you hear thisA country-code match alone guarantees UPI activation.

Who can help

Your bank’s NRI/UPI support team; use its verified complaint route.

Check an adviser before paying or signing

Sources & review limits

Published by NRIdisha. Prepared with AI assistance. No individual author or qualified professional reviewer is credited for this guide.

Practical guide published 24 October 2026. Official statements are limited to the scope described on each source card. Steps and document preparation are editorial guidance. Provider-specific requirements and personal eligibility must be confirmed with the relevant authority.

Editorial standards, coverage and corrections

Official sources support the statements they address. They do not certify this guide or your eligibility. Open the source and check current amendments before acting.

Income Tax Department (opens in a new tab) · Reserve Bank of India (opens in a new tab) · National Portal of India (opens in a new tab)

Correction or missing context?

Keep this page’s title, the exact statement and the official source. Email them to support@nridisha.com. Do not include personal documents.