1.
The National Payments Corporation of India developed the Unified Payments Interface (UPI),
which is an instant real-time payment system (NPCI).
International mobile numbers from Singapore, Australia, Canada, Hong Kong, Oman, Qatar, the
United States, Saudi Arabia, the United Arab Emirates, and the United Kingdom will be able to

2.
use the UPI transaction facility beginning April 30, 2023. Non-resident external (NRO) and
non-resident ordinary (NRO) accounts will be available.
With the National Payments Corporation of India's (NPCI) international arm entering into a pact
with payments services operator Worldline, Indian travellers to Europe will soon be able to make
payments from their Indian bank accounts using the Unified Payments Interface (UPI).
The National Payments Corporation of India (NPCI) has directed members of the Unified
Payments Interface (UPI) ecosystem to allow non-resident account types, such as non-resident
external (NRE)/non-resident ordinary (NRO) accounts with international mobile numbers, to be
onboarded and transact via UPI. To begin, NPCI will accept transactions from mobile numbers
with Singapore, Australia, Canada, Hong Kong, Oman, Qatar, the United States, Saudi Arabia, the
United Arab Emirates, and the United Kingdom, in addition to the current domestic country code.
The government has asked UPI participants such as Paytm, Google Pay, and others to
implement a mechanism by April 30.
This is subject to the member banks ensuring that such types of accounts are only permitted in
accordance with existing Foreign Exchange Management Act (FEMA) regulations and following
the guidelines issued by the RBI's concerned regulatory departments from time to time.
Members of the UPI ecosystem must comply with NPCI's instructions by April 30, 2023.
Furthermore, the remitter and beneficiary banks must ensure all necessary anti-money
laundering/counter-terrorism financing checks and compliance validation in accordance with
the rules.
To provide UPI services to non-resident account types such as NRE/NRO accounts with
international mobile numbers, the following conditions must be met

3.
1) Member banks must ensure that NRE or NRO accounts are only permitted in accordance with
the current FEMA (Foreign Exchange Management Act) regulations and follow the
guidelines/instructions issued by the Reserve Bank of India (RBI) from time to time.
2) The remitter and beneficiary banks must ensure all necessary anti-money
laundering/counter-terrorism financing checks and compliance validation in accordance with
the rules.