UPI's international footprint is growing but still limited — here's exactly where it works today, which apps and banks support it, and how to use it without surprises.
| Country | Coverage | Merchant Network | How It Works |
|---|
YONO / SBI Pay UPI-enabled accounts
UPI via HDFC Bank MobileBanking app
UPI via iMobile Pay
UPI via Axis Mobile
Most major UPI-enabled banks support international transactions once your bank and the destination merchant network both support NPCI's cross-border UPI rails — check with your bank if you're unsure your account is enabled.
App support depends on your bank enabling international UPI on your account — having a supported app installed isn't enough on its own.
Confirm with your bank that international UPI is enabled on your account.
Merchants supporting UPI abroad display a UPI-accepted QR sticker, often alongside PayNow/PromptPay.
The app shows the amount in local currency; conversion to INR happens automatically at your bank's rate.
International UPI transactions may carry a currency conversion charge — check your bank's fee schedule.
NPCI and RBI periodically announce new country tie-ups for UPI acceptance abroad. This section can be wired to a live news/RSS feed once the site is deployed — for now, check RBI/NPCI's official announcements for the latest country additions.
NPCI Official Site →