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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchYes, but only in specific circumstances. An eligible Indian bank account holder can pay at participating overseas merchants by scanning a supported QR code in an enabled UPI app. It is not accepted at every merchant in a country, and the bank account, app and merchant must all support the transaction. Check the option in your app and review the displayed amount, conversion and charges before authorizing.
What “using UPI abroad” can mean
Several different services are often described as international UPI. They do not all let you pay a shop overseas.
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- Paying an overseas merchant: UPI Global Acceptance lets eligible users pay at selected international merchant locations from an Indian bank account using a UPI app and a participating QR code.
- Registering as an NRI with an international mobile number: Some supported apps allow eligible NRIs to use NRE or NRO accounts linked to an international number. This is UPI access through an Indian bank account, not general access to a foreign bank account.
- Cross-border remittances: A UPI-linked remittance corridor is a different service from scanning a merchant QR code while travelling.
- Visitors paying in India: UPI One World is a prepaid wallet for international visitors making merchant payments in India. It is not a way for an Indian traveller to pay abroad.
Which countries accept UPI for overseas merchant payments?
Country lists depend on the source and the particular use of UPI. A country reported as connected to UPI for remittances should not automatically be treated as a place where travellers can pay merchants by QR.
A September 2026 Government of India factsheet says UPI is operational in Bhutan, Nepal, Singapore, UAE, France, Sri Lanka, Mauritius and Qatar, and reports that acceptance in Cambodia launched in June 2026. It separately identifies Greece and Maldives as remittance links. Its figure of 11 foreign countries combines acceptance and remittances, not 11 countries where every traveller can pay by QR. Government of India: UPI’s Global Footprint Continues to Expand.
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NPCI International’s public UPI page lists selected merchant outlets in Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka and UAE, and describes use by Indian nationals with an app linked to an Indian bank account. The page’s merchant list is narrower than the government’s September 2026 summary. NPCI International: UPI.
Google Pay India’s instructions for international QR payments list Bhutan, Mauritius, Nepal, Singapore, Sri Lanka and UAE, subject to a bank account that supports the feature. That list is specific to Google Pay and should not be assumed to apply to every UPI app. Google Pay Help: UPI International.
These country lists are useful starting points, not guarantees of acceptance at a particular shop. The merchant must participate and display a supported BHIM UPI or partner QR code.
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Which banks and apps support international mobile numbers?
NPCI’s live-members directory lists 12 international mobile-number country codes, 16 banks and nine apps for linking an international number to UPI. This directory concerns international-number onboarding; it is not a list of apps authorized for overseas merchant QR payments.
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| Directory category | Listed options |
|---|---|
| International mobile-number country codes | Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and US |
| Banks | AU Small Finance Bank, Axis Bank, Canara Bank, City Union Bank, DBS Bank Ltd, Equitas Small Finance Bank, Federal Bank, HDFC Bank, ICICI Bank, IDFC First Bank, IndusInd Bank, Kotak Mahindra Bank, Punjab National Bank, South Indian Bank, State Bank of India and Yes Bank |
| Apps | AU Small Finance Bank (BHIM AU), BHIM, Federal Bank (FedMobile), ICICI Bank (iMobile), IDFC FIRST Bank Mobile Banking, IndusInd Bank (BHIM Indus Pay), Kotak Mobile Banking Application, PhonePe and South Indian Bank (SIB Mirror+) |
NPCI’s directory is dynamically rendered and its indexed content may lag. Check the current NPCI live-members directory and confirm eligibility with your bank and app. NPCI says NRI transactions are permitted according to the bank’s terms and conditions; an international number must be linked to the relevant bank account and onboarding supported by the app. See NPCI’s UPI guidance for NRIs.
How to pay an overseas merchant with UPI
- Before you travel: Check whether the Indian bank account you plan to use supports international UPI, then enable the feature in a supported UPI app. Google Pay also advises users to confirm that their bank supports the feature.
- At the shop: Ask whether the merchant accepts UPI and look for a BHIM UPI or network-partner acceptance QR. A country’s inclusion on a list does not mean every merchant there participates.
- Scan and check the payment: Confirm the payee and the final amount shown in both the foreign and Indian currency. Review any exchange rate and fees displayed before proceeding.
- Authorize only after checking: Enter your UPI PIN to complete the payment only if the details are correct. NPCI’s UPI Global Acceptance guidance describes this flow and instructs users to verify the final amounts and applicable rates or fees.
What to check before relying on UPI abroad
Whether a payment works depends on several separate links in the chain. Check each one rather than relying on a country name or app brand alone.
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- Your bank account: Does this specific account support international UPI payments?
- Your app: Does it support the overseas merchant-payment feature, rather than only UPI transfers or NRI registration?
- The destination and merchant: Is the relevant QR network supported there, and does this particular merchant accept it?
- The displayed conversion and charges: What rate, foreign-currency amount, rupee amount and fees appear before authorization?
Official sources do not establish one universal exchange rate or fee schedule. Use the transaction screen and your bank’s terms to judge the cost of a particular payment.
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No. UPI One World is for international visitors making UPI-enabled merchant payments inside India through a prepaid visitor wallet. NPCI announced an extension for delegates from more than 40 countries at the 2026 India AI Impact Summit; that event-specific extension does not establish identical availability at all times or distribution points. See the NPCI announcement and UPI One World brand guidelines.
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