New to banking from the USA as an NRI? Here's a quick setup guide

With recent advancements in UPI payments, you can now use your registered mobile number linked to an NRE or NRO account to make quick and cost-effective UPI transactions. IDFC FIRST Bank simplifies this further by allowing seamless integration of your NRI account with its advanced mobile banking app or any other UPI-enabled app. This guide explains everything you need to know about using India’s UPI for NRIs—from setup to benefits and security.

Can NRIs use UPI with international mobile numbers?
 

Yes, NRIs can use the UPI for NRI accounts even with international mobile numbers. This facility enables you to send money, pay bills, and complete merchant transactions from abroad without needing an Indian SIM card. If you have an NRE or NRO account with IDFC FIRST Bank and your international number is registered with the Bank, you're eligible to use UPI.

What are the requirements for NRIs to use UPI payments?
 

To access UPI payments as an NRI, you must meet the following conditions:

• Ensure you have an NRE/NRO account with an Indian bank that supports UPI transactions.
• Download the IDFC FIRST Bank mobile app. You may also use other UPI-enabled apps to link the NRE/NRO account.
• Verify your mobile number by allowing the app to detect and validate your SIM. Ensure the app supports international numbers.
• Select your bank and link your NRE/NRO account. The app will fetch your account details linked to your registered number.
• You can setup your UPI PIN and start transacting – send money, pay bills, or scan QR codes for merchant payments.

Supported countries include the USA, UK, UAE, Canada, Australia, Singapore, Saudi Arabia, Oman, Qatar, Hong Kong, Germany, Malaysia, Netherlands, France, South Africa, and New Zealand.

How to set up your IDFC NRE/NRO account for UPI using the IDFC FIRST Mobile Banking app?

Here is a simple step-by-step process to set up UPI payments with IDFC FIRST Bank:

• Login to the “IDFC FIRST Bank Mobile Banking” App
• Click on “Pay” Option
• Click on the Right Top corner of “Name Initial” logo
• Click on search icon and type “IDFC FIRST Bank”
• Select NRE/NRO account from the list of UPI payments
• Your bank account will be successfully linked for UPI Payments

Alternately, you may choose to register your IDFC NRE/NRO account with other UPI enabled apps.

Things to keep in mind while using UPI payments
 

As an NRI, here are a few pointers you need to keep in mind:

• UPI is currently limited to domestic transactions within India. NRIs cannot send money overseas through UPI.
• Transactions must comply with FEMA guidelines and cannot violate foreign exchange regulations.
• After setting up an account, there is a cooling period with a transaction amount limit of Rs. 5,000 for 24 hours.
• After the cooling period ends, you can transfer a maximum of Rs. 1 Lakh per day with the number of transactions limited to 24 times in a day.

Conclusion
 

India’s UPI system now welcomes NRIs with open arms—offering you the ease of instant and secure payments through your NRE/NRO accounts. Whether you're paying bills, sending money to loved ones, or managing finances on the go, UPI payments for NRI customers make it all effortless. With IDFC FIRST Bank, you can access high-interest NRI accounts, zero inward remittance fees with an NRE account, and a mobile banking experience tailored for global users. Explore UPI-enabled NRI banking with IDFC FIRST Bank today and simplify your money transfers .