Yes—but there is no single, universal “international UPI” service. Cross-border UPI can mean paying a merchant abroad with a supported QR code, sending a person-to-person remittance between India and Singapore, receiving an eligible overseas remittance into India, linking an NRI’s international mobile number to a supported app, or using a visitor wallet in India. Each route has its own countries, participating banks and apps, transaction rules, and limits. Check the specific route and the terms displayed by your bank or app before relying on it.
What “UPI abroad” can mean
UPI cross-border support is a collection of distinct arrangements, not a guarantee that any UPI app will work in any country. The key questions are who is paying, where the payer and recipient are, and whether the payment is to a merchant or another person. A country listed for international mobile-number onboarding, for example, is not necessarily a country where you can pay a shop using UPI.
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Use the route that matches the transaction. An Indian account holder on a trip may be looking for overseas merchant QR acceptance. Someone sending money to family in Singapore may be asking about the UPI-PayNow linkage. A person receiving funds from abroad should check foreign inward remittance support. An NRI may need to know whether their country code can be used to register with a participating bank and app. A foreign visitor in India may be eligible for a separate prepaid wallet product.
| Route | Who and what it is for | Coverage and conditions | Limit information |
|---|---|---|---|
| Overseas merchant QR | An Indian bank-account holder paying a participating merchant abroad | Select international merchant locations; enabled app, bank and acceptance partner required | No universal foreign merchant ceiling is stated in NPCI’s guidance; check the app and bank |
| UPI-PayNow | Person-to-person remittances between India and Singapore | Qualifying transactions through participating institutions; eligible UPI ID must be registered with the bank holding the account | RBI FAQ states ₹60,000 per day, around SGD 1,000, for this route |
| Foreign inward remittance | An eligible overseas sender paying a recipient in India | Country, bank, app and remittance route must be supported | Not stated as a universal UPI limit in NPCI’s FIR information |
| NRI international-number onboarding | An NRI linking a supported overseas mobile number to a UPI app | Feature-specific country-code, bank and app lists; bank terms apply | Not a cross-border transaction limit; transaction terms depend on the bank and service |
| UPI One World | An inbound visitor using a prepaid wallet to pay UPI-enabled merchants in India | Availability depends on the issuer and applicable offering; a February 2026 event pilot had specific eligibility | ₹25,000 per load and up to ₹50,000 across at most two monthly loads were stated for that pilot only |
Can I use UPI outside India to pay a merchant?
Potentially, at select overseas merchants that accept a partner UPI QR. NPCI describes this as UPI Global Acceptance: an Indian user pays from a bank account through an enabled UPI app. It is location- and merchant-specific. Merely having a UPI app, an Indian bank account, or an international mobile number does not establish that a particular merchant will accept payment.
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How to make an overseas QR payment
- Check with your bank and app that your account is eligible for international merchant payments. If the app requires activation of UPI Global or International, enable it before attempting to pay.
- At the merchant, look for a BHIM UPI or network-partner acceptance mark, and confirm that the displayed QR is accepted for the payment you intend to make.
- Scan the QR in the supported app and review the payment request before proceeding.
- Check the amount in the merchant’s currency and its INR equivalent. Review the exchange rate and any fees shown; do not assume the conversion or cost will match a card transaction or a quoted market rate.
- If the amount and terms are acceptable, authorize with your UPI PIN and wait for the app’s confirmation.
NPCI’s instructions emphasize reviewing the foreign-currency amount, INR conversion, applicable exchange rate and fees before authorization. The reviewed guidance does not state one universal foreign merchant payment cap. The ceiling, if any, should not be inferred from a domestic UPI limit or from the separate UPI-PayNow remittance cap.
Which countries accept UPI?
There is no single country list that answers every meaning of “accept UPI.” Country availability varies by route and partner. The most explicit current country list in NPCI’s material concerns linking international mobile numbers to UPI—not a list of overseas shops or countries where merchant QR payment is available.
Countries listed for international mobile-number linkage
NPCI’s live-member list names these country codes for the international-number feature: 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), and United States (+1). The list also identifies participating banks and apps. It is feature-specific and can change; check that your own bank and app participate. The country-code list does not establish merchant QR acceptance in those countries.
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Other country examples are route-specific
Official materials identify several different forms of international connectivity. RBI’s historical timeline records QR merchant UPI in Bhutan, France e-commerce acceptance in 2024, and connectivity between India and Mauritius and Sri Lanka in February 2024. NPCI International says its merchant acceptance partnership with Nepal’s Fonepay launched in March 2024. The India-Singapore UPI-PayNow arrangement is a person-to-person remittance linkage.
These examples show that cross-border UPI has been introduced through different arrangements. A launch or historical example is not proof that every app, bank, merchant, or payment type is supported there now. Before traveling or sending money, verify the exact service, partner, bank and transaction purpose with the relevant participant.
What is the UPI international transaction limit?
There is no single international transaction limit that applies to every UPI cross-border route. The RBI FAQ gives a specific daily limit for UPI-PayNow. NPCI’s February 2026 UPI One World announcement gives figures for an event pilot. For overseas merchant QR and foreign inward remittances, the cited material does not establish a universal cap. Your bank or app may set additional conditions, so confirm the current terms for the route you intend to use.
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UPI-PayNow: ₹60,000 per day
RBI’s UPI-PayNow FAQ states a daily transaction limit of ₹60,000, approximately SGD 1,000. It currently allows P2P remittances only for the purposes “Maintenance of Relatives Abroad” and “Gift.” The FAQ also says the eligible UPI ID must currently be registered with the bank where the account is held. This cap and these purposes apply to the UPI-PayNow route; they should not be applied to overseas QR purchases, other remittance products, or UPI as a whole. Confirm the current limit and eligibility with a participating bank before sending.
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NPCI’s February 2026 release described UPI One World for international delegates at the India AI Impact Summit. For that pilot, a wallet load could be up to ₹25,000 per transaction, with a maximum of two loads per month and ₹50,000 in total. The release also said some countries were excluded under regulatory guidance. These are pilot terms, not established general limits for every One World issuer, visitor, or date. Check the specific wallet issuer’s current eligibility and terms.
Merchant QR and other remittances
NPCI’s merchant-payment guidance tells users to inspect the final converted amount and any applicable fees but does not give a universal foreign merchant ceiling. NPCI’s foreign inward remittance information says eligible remittances may be credited to UPI-linked Indian bank accounts, while directing users to check country, bank and app support; it does not state a universal amount limit. Do not substitute a domestic UPI cap for terms that have not been established for a particular cross-border route.
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Can I send money from Singapore to India using UPI?
India and Singapore are connected through the UPI-PayNow linkage for qualifying person-to-person remittances. It is not the same as scanning a merchant QR while traveling, and the permitted purposes currently stated in RBI’s FAQ are “Maintenance of Relatives Abroad” and “Gift.” The FAQ’s ₹60,000 daily limit (around SGD 1,000) applies to this linkage.
Eligibility depends on the participating institutions and account setup. RBI’s FAQ says the eligible UPI ID must currently be registered with the bank where the account is held. Check both the sending and receiving side’s bank instructions, the supported route, current purpose rules, exchange rate and charges before initiating a transfer. Do not assume that an ordinary UPI transfer to any Indian ID can be funded from Singapore through PayNow.
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Can money from another country be received into India?
NPCI’s Foreign Inward Remittance information says eligible remittances can be credited to UPI-linked Indian bank accounts. That does not mean every overseas sender can pay every UPI ID. Support depends on the country, bank and app, as well as the remittance route. Check those details with the recipient’s bank or app and the sending provider before arranging payment. The available guidance does not establish one common country list, fee schedule, conversion rate, or transaction ceiling for all inward remittances.
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Can NRIs use UPI with an international mobile number?
Some NRIs can link international mobile numbers to supported UPI apps through participating banks. NPCI publishes feature-specific country-code, bank and app information, and says transactions remain subject to bank terms. This is an onboarding option, not proof that the linked account can pay any overseas merchant or send money to any country. Confirm that your country code, bank and chosen app are all listed and that your intended transaction is permitted.
Can foreign tourists use UPI in India?
UPI One World is a distinct prepaid payment instrument linked to UPI for inbound travelers. NPCI describes it as usable at UPI-enabled merchants across India. Its availability and terms depend on the issuer or offering. In February 2026, NPCI documented an event pilot for international delegates at the India AI Impact Summit, with eligibility exclusions and specific wallet-load limits. That announcement should not be read as a promise that every foreign visitor can obtain the wallet at any time. A visitor should check whether an issuer currently offers it, who is eligible, how the wallet is loaded, and what fees or limits apply.
How to check whether a specific payment will work
Before relying on UPI for a trip or transfer, identify the route first. “The country supports UPI” is too broad to answer whether your exact payment will succeed. Use this checklist:
- Payment direction: Are you paying an overseas merchant, sending money to a person, receiving an inward remittance, setting up an NRI account, or paying in India as a visitor?
- Country and partner: Is the destination or sending country supported for that specific service, and does the merchant or remittance partner participate?
- Bank and app: Does your bank support the feature, is your app enabled for it, and do any account or mobile-number eligibility rules apply?
- Purpose and limit: Does the transaction type qualify, and which service-specific cap applies? Do not reuse a limit stated for a different route.
- Currency and cost: For a merchant QR payment, inspect the requested amount in both currencies, the displayed exchange rate and any fees before entering your PIN. For remittances, check the sending and receiving terms.
- Current status: Confirm availability directly with the bank, app, wallet issuer or participating service. Partner coverage, member lists, regulatory conditions and charges can change.
Why UPI’s overall size does not show cross-border reach
NPCI reported 21.70 billion UPI transactions valued at ₹28.33 lakh crore (about US$312 billion) for January 2026. Those figures describe overall UPI activity, not cross-border use, so they cannot be used to infer how many overseas merchants accept UPI or how widely international remittance routes are used. Similarly, NPCI’s February 2026 statement that delegates from over 40 countries were represented in the summit pilot describes that event’s eligibility context—not general UPI One World availability or merchant coverage.
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