Technology • 2024-02-01

UPI for International Payments: Where It Works in 2024

Countries where UPI works for payments, how to use it abroad, and apps to use for international transactions.

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UPI Goes Global

India's UPI (Unified Payments Interface) has expanded internationally. Indian tourists and NRIs can now use UPI-based apps in several countries, while foreigners can also use UPI in India.

Countries Where UPI Works (2024)

  • Singapore: PayNow-UPI linkage; use PhonePe, Paytm, or Google Pay
  • UAE: UPI accepted at select merchants; Mashreq Bank integration
  • France: Eiffel Tower and select Paris merchants
  • UK: Select merchants in London
  • Nepal: Many merchants accept UPI apps
  • Bhutan: Widely accepted via BHIM
  • Sri Lanka: UPI accepted at tourist spots
  • Mauritius: NPCI collaboration active

How to Use UPI Abroad

  1. Download your UPI app (PhonePe, GPay, Paytm, BHIM)
  2. Ensure international usage is enabled (check app settings)
  3. Scan the merchant's QR code abroad
  4. Enter amount in local currency — conversion is automatic
  5. Authenticate with UPI PIN

Which Apps Work Best?

  • PhonePe: Most international partners
  • Google Pay: Works in Singapore, UAE
  • BHIM: Government app; works in Bhutan and Nepal
  • Paytm: Expanding globally

For Foreigners Visiting India

Since 2023, foreign nationals from G20 countries can use UPI in India by getting a prepaid UPI wallet through ICICI, Axis, or Yes Bank. They link a foreign card and get a UPI ID.

Limits and Charges

UPI transactions abroad are subject to:

  • Forex conversion rate + markup (typically 1–3%)
  • RBI's Liberalised Remittance Scheme (LRS) limits apply for large transactions
  • TCS (Tax Collected at Source) may apply for international transactions above ₹7 lakh/year