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.
- Log in to your Western Union profile.
- Choose India as your receiving country (you will need to know your receiver’s mailing address).
- 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! Generally, your transfer should be completed in minutes.