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 transfer
Below are the banks currently supported. More banks will be made available soon.
| ICICI Bank | ICIC |
| Axis Bank | UTIB |
| Bank of India | BKID |
| Andhra Bank | ANDB |
| Yes Bank | YESB |
| IndusInd Bank | 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.