{"id":6672,"date":"2024-10-15T11:57:18","date_gmt":"2024-10-15T11:57:18","guid":{"rendered":"https:\/\/www.extravelmoney.com\/blog\/?p=6672"},"modified":"2025-01-31T08:05:27","modified_gmt":"2025-01-31T08:05:27","slug":"indian-traveller-upi-outside-india","status":"publish","type":"post","link":"https:\/\/www.extravelmoney.com\/blog\/indian-traveller-upi-outside-india\/","title":{"rendered":"Can Indian Travellers Use UPI Outside India?"},"content":{"rendered":"\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942a5d6&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image-1024x576.png\" alt=\"Illustration featuring the text 'Go UPI Beyond Borders? Don\u2019t Miss These Overlooked Factors'. To the right, there is an image of a woman holding a smartphone, standing next to a large QR code, and a receipt.\" class=\"wp-image-6673\" style=\"box-shadow:var(--wp--preset--shadow--natural)\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image-1024x576.png 1024w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image-300x169.png 300w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image-768x432.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image-1536x864.png 1536w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/UPI-International-feature-image.png 1643w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: Illustration featuring the text &#039;Go UPI Beyond Borders? Don\u2019t Miss These Overlooked Factors&#039;. To the right, there is an image of a woman holding a smartphone, standing next to a large QR code, and a receipt.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Indian travellers are able to make UPI payments, outside India. For this, all you need to do is enable international payment on your UPI app and scan QR codes to pay. However, it is not a cakewalk, like domestic UPI payments.&nbsp;Since international UPI payment is a still-developing project, UPI services are only available in selected countries and are enabled only by a few banks. <\/p>\n\n\n\n<p>Here\u2019s a quick video overview of using UPI outside India. Keep reading to learn how UPI works globally, how to set it up for each payment app, and its benefits and drawbacks.<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Is UPI available for Indian travelers outside India?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/MGnm3hWp3I4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">List of UPI Accepted Countries 2024<\/h2>\n\n\n\n<p>Not all countries support UPI payments yet, so it&#8217;s important to know the regions where UPI is operational. The foreign countries that accept UPI payments, as of the year 2024, are as follows<sup data-fn=\"3e6cb542-9610-4f8c-b602-2b64947d3e41\" class=\"fn\"><a id=\"3e6cb542-9610-4f8c-b602-2b64947d3e41-link\" href=\"#3e6cb542-9610-4f8c-b602-2b64947d3e41\">1<\/a><\/sup>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Bhutan<\/li>\n\n\n\n<li>France (ticket booking for Eiffel Tower)<\/li>\n\n\n\n<li>Mauritius<\/li>\n\n\n\n<li>Nepal<\/li>\n\n\n\n<li>Singapore<\/li>\n\n\n\n<li><a href=\"https:\/\/www.extravelmoney.com\/blog\/currency-sri-lanka-from-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sri Lanka<\/a><\/li>\n\n\n\n<li>UAE<\/li>\n\n\n\n<li>Oman<\/li>\n\n\n\n<li>Japan<\/li>\n<\/ol>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">List of Banks that Support UPI International Payments 2024<\/h2>\n\n\n\n<p>To use UPI while travelling overseas, your bank must support UPI international transfers. So ensure that your UPI app is linked to the eligible bank account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Banks that Support PhonePay International Payments<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>HDFC Bank<\/li>\n\n\n\n<li>Axis Bank<\/li>\n\n\n\n<li>ICICI Bank<\/li>\n\n\n\n<li>State Bank of India<\/li>\n\n\n\n<li>Kotak Mahindra Bank<\/li>\n\n\n\n<li>Punjab National Bank<\/li>\n\n\n\n<li>Bank of Baroda<\/li>\n\n\n\n<li>Union Bank of India<\/li>\n\n\n\n<li>Canara Bank<\/li>\n\n\n\n<li>Indian Bank<\/li>\n\n\n\n<li>Central Bank of India<\/li>\n\n\n\n<li>IndusInd Bank<\/li>\n\n\n\n<li>UCO Bank<\/li>\n\n\n\n<li>Karnataka Bank<\/li>\n\n\n\n<li>DBS Bank<\/li>\n\n\n\n<li>AU Small Finance Bank<\/li>\n\n\n\n<li>Indian Overseas Bank<\/li>\n\n\n\n<li>Saraswat Bank<\/li>\n\n\n\n<li>South Indian Bank<\/li>\n\n\n\n<li>Punjab and Sind Bank<\/li>\n\n\n\n<li>City Union Bank<\/li>\n\n\n\n<li>Equitas Small Finance Bank<sup data-fn=\"58320ff1-d0af-4071-8872-9d69cbaa5108\" class=\"fn\"><a id=\"58320ff1-d0af-4071-8872-9d69cbaa5108-link\" href=\"#58320ff1-d0af-4071-8872-9d69cbaa5108\">2<\/a><\/sup><\/li>\n<\/ol>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Banks that Support PayTM International Payments&nbsp;<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>HDFC Bank<\/li>\n\n\n\n<li>Indian Bank<\/li>\n\n\n\n<li>Axis Bank<\/li>\n\n\n\n<li>Central Bank of India<\/li>\n\n\n\n<li>ICICI Bank<\/li>\n\n\n\n<li>Bank of Maharashtra<\/li>\n\n\n\n<li>State Bank of India<\/li>\n\n\n\n<li>The Federal Bank Limited<\/li>\n\n\n\n<li>Kotak Mahindra Bank<\/li>\n\n\n\n<li>IndusInd Bank Limited<\/li>\n\n\n\n<li>Punjab National Bank<\/li>\n\n\n\n<li>Karur Vysya Bank Limited<\/li>\n\n\n\n<li>Bank of Baroda<\/li>\n\n\n\n<li>South Indian Bank Limited<\/li>\n\n\n\n<li>Union Bank of India<\/li>\n\n\n\n<li>City Union Bank Limited<\/li>\n\n\n\n<li>Canara Bank<\/li>\n\n\n\n<li>Punjab and Sind Bank<\/li>\n\n\n\n<li>Bank of India ESAF&nbsp;<\/li>\n\n\n\n<li>Small Finance Bank Limited<sup data-fn=\"4b083d4b-a84f-4516-a064-43419ccb8f01\" class=\"fn\"><a id=\"4b083d4b-a84f-4516-a064-43419ccb8f01-link\" href=\"#4b083d4b-a84f-4516-a064-43419ccb8f01\">3<\/a><\/sup><\/li>\n<\/ol>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Pro Tip:<\/strong> Remember to inform your bank about the dates of your international travel. If not, the bank might suspect your international payments as fraudulent transactions and freeze your account for security reasons. <\/pre>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to Activate International UPI?<\/h2>\n\n\n\n<p>The process to enable UPI international payments is easy but differs for each payment app. Here&#8217;s a detailed pictorial guide, outlining the steps for the leading UPI payment apps in India.&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Steps to Activate International UPI on GPay<sup data-fn=\"8d717c75-967b-4916-952a-e5587763c202\" class=\"fn\"><a id=\"8d717c75-967b-4916-952a-e5587763c202-link\" href=\"#8d717c75-967b-4916-952a-e5587763c202\">4<\/a><\/sup><\/h3>\n\n\n\n<p>1.Click on your profile picture on the GPay home screen.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942bfd2&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1-576x1024.png\" alt=\"GPay app home screen, with profile picture on the top-right corner.\" class=\"wp-image-6677\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-1.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: GPay app home screen, with profile picture on the top-right corner.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>2. Tap the arrow near the \u2018Set up payment methods 1\/3\u2019 section.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942c572&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2-576x1024.png\" alt=\"an arrow near the \u2018Set up payment methods 1\/3\u2019 section.\" class=\"wp-image-6680\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-2.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: an arrow near the \u2018Set up payment methods 1\/3\u2019 section.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>3. Choose the bank account to be activated and under the \u2018Payment method details\u2019 page, select the \u2018Manage international payments\u2019 option.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942cae3&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3-576x1024.png\" alt=\"\u2018Manage international payments\u2019 option under the \u2018payment method details\u2019 page.\" class=\"wp-image-6681\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-3.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: \u2018Manage international payments\u2019 option under the \u2018payment method details\u2019 page.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>4. Enable \u2018Pay with UPI International\u2019 and enter your UPI PIN.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942d057&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4-576x1024.png\" alt=\"\u2018Pay with international payments\u2019  option with a button for enabling\" class=\"wp-image-6682\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/GPay-step-4.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: \u2018Pay with international payments\u2019  option with a button for enabling\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Steps to Activate International UPI on PhonePe<sup data-fn=\"de7a8279-e1d4-47e0-ac08-1ef5cf32f838\" class=\"fn\"><a id=\"de7a8279-e1d4-47e0-ac08-1ef5cf32f838-link\" href=\"#de7a8279-e1d4-47e0-ac08-1ef5cf32f838\">5<\/a><\/sup><\/h3>\n\n\n\n<p>1.Log in to your PhonePe app and click on your profile picture.<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1-576x1024.png\" alt=\"PhonePe app home screen, with profile picture on the top-left corner.\" class=\"wp-image-6683\" style=\"width:255px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-1.png 1080w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p>2. Within the \u2018Payment Management\u2019 section, select the \u2018International\u2019 feature.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942ef17&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1-576x1024.png\" alt=\"'Profile and Payments' section with 'International' option.\" class=\"wp-image-6686\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-2-1.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: &#039;Profile and Payments&#039; section with &#039;International&#039; option.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>3. Tap the \u2018activate\u2019 button for your preferred bank and enter the UPI PIN.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942f534&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3-576x1024.png\" alt=\"\u2018UPI international\u2019  page with a button for enabling suitable bank account.\" class=\"wp-image-6684\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/PhonePe-Step-3.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: \u2018UPI international\u2019  page with a button for enabling suitable bank account.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Steps to Activate International UPI on Paytm<sup data-fn=\"0086743c-0a9a-4d8c-bf62-ac3db90fce5f\" class=\"fn\"><a id=\"0086743c-0a9a-4d8c-bf62-ac3db90fce5f-link\" href=\"#0086743c-0a9a-4d8c-bf62-ac3db90fce5f\">6<\/a><\/sup>&nbsp;<\/h3>\n\n\n\n<p>1.On the Paytm home screen, simply tap your profile picture to access your profile.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc942fbcc&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1-576x1024.png\" alt=\"\" class=\"wp-image-6687\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-1.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>2. Scroll down and go to \u2018UPI and Payment Settings\u2019.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc9430137&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2-576x1024.png\" alt=\"\" class=\"wp-image-6688\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-2.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>3. Below the &#8216;UPI settings&#8217; section, select \u2018International UPI\u2019.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc94306c3&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3-576x1024.png\" alt=\"\" class=\"wp-image-6689\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-3.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>4. Enable the \u2018Activate\u2019 mode for your banking partner and enter your UPI PIN.&nbsp;<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69f4dc9430c3b&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1-576x1024.png\" alt=\"\" class=\"wp-image-6691\" style=\"width:251px;height:auto\" srcset=\"https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1-576x1024.png 576w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1-169x300.png 169w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1-768x1365.png 768w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1-864x1536.png 864w, https:\/\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/10\/Paytm-Step-4-1.png 924w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on-async--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to Do International Payments Outside India Using UPI?<\/h2>\n\n\n\n<p>Once you have activated international payment, you can pay easily using your UPI payment app.&nbsp;<\/p>\n\n\n\n<p>1.Scan the QR code to pay.<\/p>\n\n\n\n<p>2. Enter the amount in the foreign currency and the correspondent amount in Indian Rupees shall be displayed.<\/p>\n\n\n\n<p>3. Choose the bank account.<\/p>\n\n\n\n<p>4. The payment will be deducted from your bank account in INR, along with any applicable fees.<\/p>\n\n\n\n<p>5. Verify by entering UPI PIN.<\/p>\n\n\n\n<p>6. The amount shall be credited to the beneficiary bank account in the selected foreign currency.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">UPI International Charges<\/h2>\n\n\n\n<p>Although international UPI transactions resemble domestic payments, the service is not free; it comes with several charges. However, these are not fees charged by the UPI payment app, but by your bank. This is because when you make a UPI payment abroad, it acts as an international bank transfer.<sup data-fn=\"36a1ba70-cbe2-44bc-96fb-657daca7fedc\" class=\"fn\"><a id=\"36a1ba70-cbe2-44bc-96fb-657daca7fedc-link\" href=\"#36a1ba70-cbe2-44bc-96fb-657daca7fedc\">7<\/a><\/sup><\/p>\n\n\n\n<p>These are the charges to anticipate while making international UPI payments:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>International transfer fees:<\/strong> These are charges imposed by banks to cover the cost of processing and handling the transfer across borders. They can vary depending on the bank, the amount being sent, and the destination country.<\/li>\n\n\n\n<li><strong>Exchange rate markups: <\/strong>Instead of using the mid-market rate, banks and NPCI (UPI payment regulator) apply a higher rate to make a profit on the currency exchange.&nbsp;<\/li>\n\n\n\n<li><strong>Conversion charge:<\/strong> Banks convert the Indian Rupees in your bank account into the desired foreign currency in real time. So for this service, they often charge a conversion rate.<\/li>\n<\/ol>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>Types of Charges<\/td><td>Percentage Charged<\/td><\/tr><tr><td>International transfer fees<\/td><td>2.5%<\/td><\/tr><tr><td>Exchange rate markups<\/td><td>2%<\/td><\/tr><tr><td>Conversion charge<\/td><td>3-5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">International UPI Payment Limit<\/h2>\n\n\n\n<p>Foreign currency equivalent to below <strong>Rs. 2,00,000<\/strong> is the per transaction limit for international UPI payments. This can differ according to your UPI app and bank terms and conditions.<sup data-fn=\"27c3e3b4-adb1-477c-bc29-2f406ac1ad0a\" class=\"fn\"><a id=\"27c3e3b4-adb1-477c-bc29-2f406ac1ad0a-link\" href=\"#27c3e3b4-adb1-477c-bc29-2f406ac1ad0a\">8<\/a><\/sup><\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Limitations of Paying Abroad Using UPI<\/h2>\n\n\n\n<p><strong>1. Limited Country and Merchant Support<\/strong><\/p>\n\n\n\n<p>UPI international payments are currently only available in limited countries. Within these countries, only specific merchants accept UPI, so its availability is reduced to certain areas or businesses.<\/p>\n\n\n\n<p><strong>2. Bank and App Compatibility<\/strong><\/p>\n\n\n\n<p>Not all Indian banks facilitate UPI international payments. So travellers must confirm that their bank and UPI apps are suitable to use abroad.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>3. Currency Exchange Rate Fluctuations<\/strong><\/p>\n\n\n\n<p>UPI transactions abroad involve a currency conversion. Since the rate keeps on changing, it may rarely offer favourable rates.<\/p>\n\n\n\n<p><strong>4. Activation Validity<\/strong><\/p>\n\n\n\n<p>Once activated, you can pay internationally for only 7 days for GPay and up to 3 months for PayTM and PhonePe. However, you can reactivate the international mode as needed.<\/p>\n\n\n\n<p><strong>4. Security Concerns on Unsecured Networks<\/strong><\/p>\n\n\n\n<p>Using UPI abroad requires internet access, which may not always be secure. If travellers make transactions over public or unsecured Wi-Fi networks, they could be vulnerable to hacking and data breaches.&nbsp;<\/p>\n\n\n\n<p><strong>5. Dependency on Mobile Connectivity<\/strong><\/p>\n\n\n\n<p>UPI transactions rely on a stable internet connection, which may not always be available when travelling abroad.&nbsp;<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is the Better Option than UPI International?<\/h2>\n\n\n\n<p>While UPI International can be convenient, it&#8217;s not always the most cost-effective choice. Alternatives like purchasing foreign currency or using a single-currency forex card offer better control over costs and flexibility. Let\u2019s explore these options:<\/p>\n\n\n\n<p><strong>1. Foreign Currency<\/strong><\/p>\n\n\n\n<p>Carrying <a href=\"https:\/\/www.extravelmoney.com\/blog\/currency-vs-card-while-travelling-abroad\/\" target=\"_blank\" rel=\"noreferrer noopener\">foreign currency<\/a> when travelling abroad is a straightforward solution. By purchasing currency from a trusted source like ExTravelMoney, you can lock in competitive rates and avoid the uncertainty of fluctuating exchange rates while abroad. This method is particularly useful for small transactions, tipping, or at places where card payments are not accepted.&nbsp;<\/p>\n\n\n\n<p><strong>2. Single-Currency Forex Card<\/strong><\/p>\n\n\n\n<p>A single-currency forex card allows you to load the foreign currency of your choice, lock the exchange rate, and spend abroad without worrying about conversion fees. <a href=\"https:\/\/www.extravelmoney.com\/blog\/7-advantages-forex-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Forex card is ideal<\/a> for those who want a cashless way to manage their expenses abroad, all while keeping track of expenditures. Single currency forex cards only charge an ATM withdrawal fee of USD 2-3 per transaction and no other fees.<\/p>\n\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ExTravelMoney offers both these solutions, ensuring you get the best exchange rates. Whether you prefer carrying cash or using a Forex card, we make the process simple and affordable for you!<\/p>\n\n\n\n<p><strong>Also Read: <a href=\"https:\/\/www.extravelmoney.com\/blog\/how-to-buy-forex-online-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Buy Forex Online In India<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.extravelmoney.com\/foreign-exchange\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Foreign Currency<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.extravelmoney.com\/multi-currency-forex-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Forex Card<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"3e6cb542-9610-4f8c-b602-2b64947d3e41\"><a href=\"https:\/\/www.npci.org.in\/who-we-are\/group-companies\/npci-international\/list-of-countries\" target=\"_blank\" rel=\"noreferrer noopener\">NPCI Official Website<\/a> <a href=\"#3e6cb542-9610-4f8c-b602-2b64947d3e41-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"58320ff1-d0af-4071-8872-9d69cbaa5108\"><a href=\"https:\/\/cms.phonepe.com\/en\/myhelp\/money-transfers\/upi-international\/which-are-banks-support-upi-international-payments\" target=\"_blank\" rel=\"noreferrer noopener\">PhonePay International Payments<\/a> <a href=\"#58320ff1-d0af-4071-8872-9d69cbaa5108-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"4b083d4b-a84f-4516-a064-43419ccb8f01\"><a href=\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\" target=\"_blank\" rel=\"noreferrer noopener\">Paytm International Payments<\/a> <a href=\"#4b083d4b-a84f-4516-a064-43419ccb8f01-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><li id=\"8d717c75-967b-4916-952a-e5587763c202\"><a href=\"https:\/\/support.google.com\/pay\/india\/answer\/13949170?hl=en\" target=\"_blank\" rel=\"noreferrer noopener\">GPay International UPI Activation<\/a> <a href=\"#8d717c75-967b-4916-952a-e5587763c202-link\" aria-label=\"Jump to footnote reference 4\">\u21a9\ufe0e<\/a><\/li><li id=\"de7a8279-e1d4-47e0-ac08-1ef5cf32f838\"><a href=\"https:\/\/cms.phonepe.com\/en\/myhelp\/money-transfers\/upi-international\/how-do-i-activate-upi-international-feature-phonepe\/#:~:text=Tap%20your%20profile%20picture%20on,Enter%20your%20UPI%20PIN.\" target=\"_blank\" rel=\"noreferrer noopener\">PhonePe International UPI Activation<\/a> <a href=\"#de7a8279-e1d4-47e0-ac08-1ef5cf32f838-link\" aria-label=\"Jump to footnote reference 5\">\u21a9\ufe0e<\/a><\/li><li id=\"0086743c-0a9a-4d8c-bf62-ac3db90fce5f\"><a href=\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\" target=\"_blank\" rel=\"noreferrer noopener\">PayTM International UPI Activation<\/a> <a href=\"#0086743c-0a9a-4d8c-bf62-ac3db90fce5f-link\" aria-label=\"Jump to footnote reference 6\">\u21a9\ufe0e<\/a><\/li><li id=\"36a1ba70-cbe2-44bc-96fb-657daca7fedc\"><a href=\"https:\/\/support.google.com\/pay\/india\/answer\/13949170?hl=en#:~:text=Learn%20which%20countries%20have%20UPI,UAE\" target=\"_blank\" rel=\"noreferrer noopener\">GPay Bank and NPCI Charges<\/a> <a href=\"#36a1ba70-cbe2-44bc-96fb-657daca7fedc-link\" aria-label=\"Jump to footnote reference 7\">\u21a9\ufe0e<\/a><\/li><li id=\"27c3e3b4-adb1-477c-bc29-2f406ac1ad0a\"><a href=\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\/#:~:text=Malaysia-,UPI%20Limits%20for%20International%20Transfers,transfer%20instead%20of%20using%20UPI.\" target=\"_blank\" rel=\"noreferrer noopener\">Paytm International Transaction Limit<\/a> <a href=\"#27c3e3b4-adb1-477c-bc29-2f406ac1ad0a-link\" aria-label=\"Jump to footnote reference 8\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indian travellers are able to make UPI payments, outside India. For this, all you need to do is enable international payment on your UPI app [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":6673,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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href=\\\"https:\/\/www.npci.org.in\/who-we-are\/group-companies\/npci-international\/list-of-countries\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">NPCI Official Website<\/a>\",\"id\":\"3e6cb542-9610-4f8c-b602-2b64947d3e41\"},{\"content\":\"<a href=\\\"https:\/\/cms.phonepe.com\/en\/myhelp\/money-transfers\/upi-international\/which-are-banks-support-upi-international-payments\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">PhonePay International Payments<\/a>\",\"id\":\"58320ff1-d0af-4071-8872-9d69cbaa5108\"},{\"content\":\"<a href=\\\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Paytm International Payments<\/a>\",\"id\":\"4b083d4b-a84f-4516-a064-43419ccb8f01\"},{\"content\":\"<a href=\\\"https:\/\/support.google.com\/pay\/india\/answer\/13949170?hl=en\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">GPay International UPI Activation<\/a>\",\"id\":\"8d717c75-967b-4916-952a-e5587763c202\"},{\"content\":\"<a href=\\\"https:\/\/cms.phonepe.com\/en\/myhelp\/money-transfers\/upi-international\/how-do-i-activate-upi-international-feature-phonepe\/#:~:text=Tap%20your%20profile%20picture%20on,Enter%20your%20UPI%20PIN.\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">PhonePe International UPI Activation<\/a>\",\"id\":\"de7a8279-e1d4-47e0-ac08-1ef5cf32f838\"},{\"content\":\"<a href=\\\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">PayTM International UPI Activation<\/a>\",\"id\":\"0086743c-0a9a-4d8c-bf62-ac3db90fce5f\"},{\"content\":\"<a href=\\\"https:\/\/support.google.com\/pay\/india\/answer\/13949170?hl=en#:~:text=Learn%20which%20countries%20have%20UPI,UAE\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">GPay Bank and NPCI Charges<\/a>\",\"id\":\"36a1ba70-cbe2-44bc-96fb-657daca7fedc\"},{\"content\":\"<a href=\\\"https:\/\/paytm.com\/blog\/payments\/upi\/upi-international-payment\/#:~:text=Malaysia-,UPI%20Limits%20for%20International%20Transfers,transfer%20instead%20of%20using%20UPI.\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Paytm International Transaction Limit<\/a>\",\"id\":\"27c3e3b4-adb1-477c-bc29-2f406ac1ad0a\"}]"},"categories":[70],"tags":[22,13,820,821],"class_list":["post-6672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-currency-exchange","tag-indian-travellers","tag-travel-tips","tag-upi","tag-upi-international"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can Indian Travellers Use UPI Outside India?<\/title>\n<meta name=\"description\" content=\"UPI international payments explained, with activation and overseas payment process. 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Even if available it is subject to high exchange rates.* * The supply of\u2026","rel":"","context":"In &quot;Currency Exchange&quot;","block_context":{"text":"Currency Exchange","link":"https:\/\/www.extravelmoney.com\/blog\/category\/currency-exchange\/"},"img":{"alt_text":"Sri Lankan Rupee notes with text overlay 'Best Choice for Sri Lanka Trip' and the ExTravelMoney logo.","src":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/07\/Currency-for-Sri-Lankan-Trip-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/07\/Currency-for-Sri-Lankan-Trip-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/07\/Currency-for-Sri-Lankan-Trip-3.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/07\/Currency-for-Sri-Lankan-Trip-3.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":6103,"url":"https:\/\/www.extravelmoney.com\/blog\/utr-number-importance-in-international-money-transfer\/","url_meta":{"origin":6672,"position":4},"title":"What is a UTR Number and How to Track Transactions with it?","author":"Ann Mariya Job","date":"August 7, 2024","format":false,"excerpt":"UTR, or Unique Transaction Reference, is a unique digital signature assigned to each financial transaction occurring in India. Even though it looks like a simple numeric\/alphanumeric code, UTR acts as a GPS of your transaction and saves you from stress regarding the effectiveness of your transaction. A UTR number is\u2026","rel":"","context":"In &quot;International Money Transfer&quot;","block_context":{"text":"International Money Transfer","link":"https:\/\/www.extravelmoney.com\/blog\/category\/international-money-transfer\/"},"img":{"alt_text":"Illustration of a woman sitting in a chair using a smartphone to track money transfers with a UTR number. The background features a large clock and colorful abstract shapes, with the text 'No More Stress - Track Money Transfer with UTR Number' and the ExTravelMoney logo at the bottom right.","src":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/08\/Track-Money-Transfer-with-UTR.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/08\/Track-Money-Transfer-with-UTR.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/08\/Track-Money-Transfer-with-UTR.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2024\/08\/Track-Money-Transfer-with-UTR.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":4089,"url":"https:\/\/www.extravelmoney.com\/blog\/which-is-better-for-international-travel-niyo-global-or-forex-card\/","url_meta":{"origin":6672,"position":5},"title":"Which is Better For International Travel, Niyo Global Card or Forex Card?","author":"Subhash Sivamani","date":"April 28, 2022","format":false,"excerpt":"Latest Updated On: 08 April 2025 TL;DR - In the present scenario, where Credit Cards do not come under LRS (Liberalized Remittance Scheme), the Niyo Global Card (Credit Card) is an excellent way to carry money when travelling abroad. This is true for both leisure travellers going on short trips\u2026","rel":"","context":"In &quot;Forex Card&quot;","block_context":{"text":"Forex Card","link":"https:\/\/www.extravelmoney.com\/blog\/category\/forex-card\/"},"img":{"alt_text":"Forex Card Vs Niyo Global Card Full Compariosn Which is better For Indian Travellers","src":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2022\/04\/Forex-Card-Vs-Niyo-Global-Card-Full-Compariosn-Which-is-better-For-Indian-Travellers.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2022\/04\/Forex-Card-Vs-Niyo-Global-Card-Full-Compariosn-Which-is-better-For-Indian-Travellers.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2022\/04\/Forex-Card-Vs-Niyo-Global-Card-Full-Compariosn-Which-is-better-For-Indian-Travellers.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.extravelmoney.com\/blog\/wp-content\/uploads\/2022\/04\/Forex-Card-Vs-Niyo-Global-Card-Full-Compariosn-Which-is-better-For-Indian-Travellers.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6672","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=6672"}],"version-history":[{"count":0,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6672\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/media\/6673"}],"wp:attachment":[{"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=6672"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=6672"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.extravelmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=6672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}