To use UPI from Canada, link your Canadian mobile number (+1) to your Indian NRE/NRO bank account, then register on a UPI-enabled app like PhonePe, Google Pay, or Paytm. This allows you to scan Indian merchant QR codes, pay bills, or send money directly from your account, using, for example, ICICI Bank iMobile Pay.
NPCI guidelines allow UPI Payments to India in INR, via overseas numbers from countries including Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA for INR transactions in India.
Unified Payments Interface (UPI) is a real-time payment system that enables money transfers using a UPI ID, a unique identifier linked to a recipient's bank account. It's a fast, reliable, and convenient way to send money through UPI from Canada to India, ensuring funds reach recipients quickly.
How NRIs can set up UPI payments
Here's how to use UPI outside India in simple steps:
Mony is a specialized UPI app available for tourists and NRIs, allowing instant scan-and-pay transactions at millions of merchant locations across India. It offers a secure payment experience without needing multiple cards.
Non-Resident Indians can simplify managing finances in India using UPI. This guide covers eligibility, required accounts (NRE/NRO), and a list of major Indian banks supporting UPI, including State Bank of India, ICICI Bank, HDFC Bank, and Axis Bank.
UPI One World – A Simple Way for Foreigners and NRIs to Pay in India. UPI One World is a safe and easy digital wallet for NRIs and foreign tourists visiting India.
Non-resident Indians (NRIs) can use the UPI app for transactions in India using their registered overseas mobile number. This facility is available for NRIs from specific approved geographies, including Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, the UK, USA, France and the Malaysia.
How to open an NRI Account online in India from Canada? You can access the online application form here(opens in a new tab) and follow the instructions to open an NRI Account for Indians in Canada with HDFC Bank.
You can use Google Pay to send money to friends and family in India using your mobile device. You'll need an internet connection, an Indian bank account and an Indian phone number.
You can't use Zelle in Canada - it's for payments between US based banks only. Use this handy guide as a way to find alternative providers to make convenient, low cost, online and mobile payments to Canada.
3: BHIM UPI has the added advantage of being backed by the government, so it is regarded as safer and secure compared to Google Pay. Though Google Pay has enhanced security features like biometric authentication as well as PIN or pattern, extensive data syncing makes it less secure.
Google Pay in India operates on the UPI infrastructure, enabling instant money transfers between linked bank accounts. Users can pay using UPI IDs, QR codes, or mobile numbers.
To send money from Canada to India to an HDFC Bank account, you can opt for their Telegraphic/Wire Transfer service. Simply fill out the remittance form with HDFC Bank's Nostro Account number and SWIFT Code. This secure and user-friendly process facilitates seamless fund transfers.
Based on transaction volume data, some of the top banks for UPI remittances include the State Bank of India (SBI), HDFC Bank, Bank of Baroda, Union Bank of India, and Punjab National Bank. Many banks, including HDFC and SBI, offer high UPI transaction limits, typically up to ₹100,000 INR per transaction.
Turn on UPI International
It uses USSD (Unstructured Supplementary Service Data) technology, which works on basic phones too. This service helps people across India do banking just by dialling *99# from their mobile.
UPI set up process for NRIs
The most popular ones are BHIM UPI, Google Pay, and PhonePe. Select one app, and download and install it on your phone.
Step-by-Step Process to Set Up UPI for NRIs
Verify your mobile number – Use the international number registered with your bank account. Set up UPI PIN – Create your secure UPI PIN using your debit card credentials. Start using UPI – You can now send or receive funds through UPI while living abroad.
Yes, UPI payments are considered secure. They utilize encryption and mandatory UPI PIN verification, often coupled with two-factor authentication, to prevent unauthorized transactions. The system is regulated by NPCI under RBI guidelines, ensuring security standards are met.
The PayPal wallet feature is not available in India for personal use. However, as an individual, you can use PayPal to make a purchase with the sellers that use PayPal globally and through the PayPal mall for goods or services.
HDFC Bank. HDFC Bank leads in India's private sector and provides reliable international payment services for businesses. A strong digital system helps with fast and safe global transfers.
Using UPI to make payments abroad
To get started, you will need to activate international payments on UPI apps that support international payments, such as PhonePe, Google Pay, and Bhim UPI app. Here's our guide to UPI International with PhonePe - one of the first UPI apps to support global payments.
How to Set Up UPI with Your International Mobile Number? (Step-by-Step)