IDFC First Bank Enables UPI Access for NRIs Using International Mobile Numbers

IDFC First Bank has introduced a new UPI (Unified Payments Interface) feature that allows Non-Resident Indians (NRIs) to make digital payments in India using their international mobile numbers linked to NRE and NRO accounts—eliminating the need for an Indian SIM card.

Previously, UPI access was restricted to users with Indian mobile numbers, limiting NRIs’ ability to perform seamless digital transactions such as bill payments and money transfers. With this update, NRIs can now participate in India’s UPI ecosystem using global mobile numbers.

The service is currently live for customers from six countries: United States, United Kingdom, United Arab Emirates, Canada, Australia, and Singapore. Eligible users can activate UPI services through IDFC First Bank’s mobile app or by visiting a branch. After completing verification, they can conduct transactions via any UPI-enabled platform—including QR code payments and direct transfers—just like domestic users.

This rollout supports the Reserve Bank of India’s broader initiative to globalize India’s digital payment infrastructure. It is expected to benefit NRIs by simplifying tasks such as sending remittances, managing investments, and handling real estate or utility expenses in India.

Looking ahead, IDFC First Bank plans to expand this facility to more countries and enhance its digital offerings for NRIs with features like investment tracking, utility bill payments, and EMI processing via UPI.