You’ve probably heard how UPI has changed the way we pay for things in India, right? It’s made everything so much easier. Now, this fantastic payment system is going global, making it super convenient for Indians to shop and spend abroad. In this quick 5-minute read, I’ll show you exactly which countries are now accepting UPI, and how you can use it on your next trip.
What is UPI?
UPI (Unified Payments Interface) is basically a real-time payment system created by the National Payments Corporation of India (NPCI). It lets you instantly transfer money between bank accounts using a mobile app and a simple ID, like yourname@upi. It’s known for being easy to use, secure, and super fast.
Benefits of Using UPI Internationally
One of the best things about using UPI abroad is that it offers several advantages:
- Convenience:
No need to carry loads of cash or deal with those annoying currency exchange hassles.
- Cost-Effective:
You’ll likely save money on transaction fees compared to using your credit card.
- Security:
UPI uses multiple layers of security, including two-factor authentication, so you can feel confident about your transactions.
- Transparency:
You can track all your spending in real-time through your UPI app.
- Familiarity:
If you’re already using UPI in India, it’s the same familiar and trusted way to pay.
Countries Currently Accepting UPI
UPI’s international presence is growing rapidly! Here’s a breakdown of some key countries:
UPI in Singapore
- Where Can I Use It?
Singapore was one of the first countries to embrace UPI. UPI payments are accepted at lots of merchants across Singapore, especially those with QR code payment terminals. Imagine grabbing a delicious plate of Hainanese chicken rice at a hawker center – now you can just scan and pay with UPI!
- How Does It Work?
Thanks to a partnership between NIPL (the international arm of NPCI) and Liquid Group, you can now make smooth, hassle-free payments. You can use your existing Indian UPI app (like BHIM, PhonePe, Google Pay, Paytm, etc.) at participating merchants displaying the NETS QR code.
- Any Tips for Using UPI in Singapore?
Look out for the UPI logo, or a QR code.
UPI in the UAE
- Where Can I Use It?
The United Arab Emirates (UAE) is another major hub for UPI acceptance. You’ll find it widely accepted at retail stores, restaurants, and other businesses.
- How Does It Work?
Through partnerships with companies like NeoPay (Mashreq Bank’s payment subsidiary) and Network International, paying with UPI is becoming super common.
- Any Tips for Using UPI in the UAE?
Look for the “UPI Accepted” signage or QR codes at checkout.
Read more about UPI acceptance in the UAE. [Official Source – Network International announcemen]
UPI in Bhutan
- Where Can I Use It?
Bhutan was actually the *first* country to adopt UPI standards for its QR code system! The Royal Monetary Authority of Bhutan worked with NPCI to make this happen.
- How Does It Work?
This makes it incredibly convenient for Indian tourists visiting Bhutan – you can use UPI just like you do at home.
- Any Tips for Using UPI in Bhutan?
Just use your UPI as you use it in your home.
Find out more about using UPI in Bhutan. [Official Source – NPCI announcement]
UPI in Nepal
- Where can I use it?
UPI acceptance is expanding in Nepal.
- How Does It Work?
You can expect more merchants to accept it in the future.
- Any Tips for Using UPI in Nepal?
Just look out for the UPI logo, or a QR code.
UPI in Nepal [Official Source – NPCI Announcement]
UPI in France
- Where Can I use it?
UPI is now live in France.
- How Does It Work?
Indian tourists can now make payments via UPI at various merchant points.
- Any Tips for Using UPI in France?
Just look out for the UPI logo, or a QR code.
UPI in France [Official Source – NPCI Announcement]
UPI in United Kingdom
- Where Can I Use It?
Now users can make seamless payments in the UK as well.
- How Does It Work?
Via UPI-enabled QR codes at merchant points.
- Any Tips for Using UPI in the UK?
Just look out for the UPI logo, or a QR code.
UPI in UK [Official Source – NPCI Announcement]
UPI in Oman
- Where can i use it?
UPI is now live in Oman.
- How Does It Work?
This allows for convenient and secure transactions for Indian users in the country.
- Any Tips for Using UPI in Oman?
Just look out for the UPI logo, or a QR code.
UPI in Oman [Official Source]
How to Use UPI Abroad
In most cases, using UPI abroad is just as easy as using it at home! Here’s a general guide:
- Make sure your UPI app is linked to your bank account and is up-to-date.
- Look for merchants displaying the UPI logo or a QR code that supports UPI payments.
- Scan the QR code using your UPI app.
- Enter the amount in the local currency (your app will usually handle the conversion automatically – pretty neat, huh?).
- Authorize the payment with your UPI PIN. It’s that easy!
Good to know: While the process is generally the same, instructions might vary a bit depending on where you are. To be on the safe side, it’s always a smart idea to quickly double-check with the merchant before you pay.
The Future of UPI Expansion
NPCI is actively working to bring UPI to even more countries. Expect to see more announcements and partnerships in the coming months and years. This will make UPI an increasingly valuable payment option for Indians traveling and doing business internationally.
Conclusion
UPI’s global expansion is making international payments easier and more convenient than ever for Indian users. With its growing acceptance in countries like Singapore, UAE, Bhutan, and many more to come, UPI is becoming a truly international payment system. Keep an eye out for the UPI logo the next time you travel – you might be surprised at how easy it is to pay!
