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Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →Yes, in some cases. An eligible Indian bank account holder can use a supported UPI app to pay at participating overseas merchants that display an accepted UPI QR code. It is not accepted everywhere, and the bank account, app, destination and merchant must all support the transaction. Before authorizing, check the payee, converted amount and any displayed rate or fee.
What “using UPI outside India” can mean
UPI’s international reach covers several different services. A country’s appearance in one list does not mean every UPI function works there.
- Paying an overseas merchant: UPI Global Acceptance lets eligible users pay participating merchants abroad from Indian bank accounts. The merchant needs to display an accepted BHIM UPI or partner QR code. See NPCI’s UPI Global Acceptance guidance.
- Registering with an international mobile number: Some NRIs can use UPI with an NRE or NRO account and an international number linked to that bank account, if their bank and app support onboarding. This is not the same as linking UPI directly to a foreign bank account. NPCI says transactions are permitted subject to the bank’s terms. See NPCI’s NRI guidance.
- Cross-border remittances: A UPI-linked remittance corridor is a separate service from paying a shop by QR while travelling. The government’s country total includes remittance links as well as acceptance.
- Visitors paying in India: UPI One World is a prepaid wallet for international visitors to make merchant payments at UPI-enabled locations in India. It does not mean an Indian traveller can use that wallet abroad. NPCI announced a 2026 extension for delegates from more than 40 countries at the India AI Impact Summit; that event-specific extension does not establish year-round availability at every distribution point. See the UPI One World guidelines and NPCI’s 2026 announcement.
Which countries accept UPI?
The answer depends on the service and the source’s date. The Press Information Bureau’s September 2026 factsheet says UPI is operational in Bhutan, Nepal, Singapore, UAE, France, Sri Lanka, Mauritius and Qatar, and reports merchant acceptance launching in Cambodia in June 2026. It separately identifies Greece and Maldives as cross-border remittance links. Its total of 11 foreign countries therefore combines acceptance and remittances; it is not a list of 11 countries where travellers can necessarily pay merchants by QR. See the Government of India factsheet.
For merchant payments, NPCI International’s public UPI page lists selected outlets in Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka and UAE. That page is narrower than the newer government summary, and “selected outlets” matters: country-level availability does not guarantee acceptance at a particular business. See NPCI International’s UPI page.
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Google Pay India publishes its own list for its international QR payment instructions: Bhutan, Mauritius, Nepal, Singapore, Sri Lanka and UAE. This is an app-specific list, not a promise that all UPI apps support the same destinations. Google also makes use conditional on a bank account that supports the feature. See Google Pay’s UPI International help page.
Which banks and apps support international mobile numbers?
NPCI’s live-members directory, accessed October 7, 2026, lists 12 international mobile-number country codes: Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and US. It lists these banks and apps for international-number linkage:
| Category | Names listed by NPCI |
|---|---|
| Banks (16) | AU Small Finance Bank; Axis Bank; Canara Bank; City Union Bank; DBS Bank Ltd; 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. |
| Apps (9) | AU Small Finance Bank (BHIM AU); BHIM; Federal Bank (FedMobile); ICICI Bank (iMobile); IDFC FIRST Bank Mobile Banking; IndusInd Bank (BHIM Indus Pay); Kotak Mobile Banking Application; PhonePe; South Indian Bank (SIB Mirror+). |
This directory concerns registering UPI with an international mobile number; it is not a list of apps authorized for overseas merchant QR payments. Because the directory is dynamically rendered and its indexed content may lag, verify the current combination with NPCI’s live-members directory and your bank. Eligibility and transactions remain subject to your bank’s terms.
How to pay an overseas merchant with UPI
- Before departure: Check whether the particular Indian bank account supports international UPI and enable the feature in a supported UPI app. The app and bank account both matter.
- At the merchant: Ask whether UPI is accepted and look for a BHIM UPI or network-partner acceptance QR. A launch in that country does not mean every merchant participates.
- Scan and verify: Check the payee and the final amount in both foreign and Indian currency. Review any exchange rate or fee shown on the payment screen. NPCI specifically advises users to verify these details before approving.
- Authorize only after checking: If the payee, amount, rate or fee is unclear or unexpected, do not enter your UPI PIN; ask the merchant or check with your bank or app provider.
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Check each link in the chain, rather than relying on a country or app name alone:
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- Account: Does your Indian bank account support the relevant international payment feature?
- App: Does your specific app support overseas merchant QR payments in that destination? A list for international-number registration does not establish this.
- Merchant: Does the business accept the specific UPI or partner QR network?
- Cost: What conversion rate and fees appear before authorization, and do they match what you are willing to pay?
There is no universal fee schedule or guaranteed exchange rate established for all banks, apps and overseas transactions. Check the payment screen and your bank’s terms each time; do not assume UPI abroad is fee-free.
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