Who can use UPI?

Anyone with a bank account at a UPI-enabled bank and a mobile number linked to that account can use UPI. According to NPCI guidelines, the service is accessible to:

• Indian residents with a savings or current account.
• Non-Resident Indians (NRIs) with NRE or NRO accounts in supported countries using their international mobile numbers.
• Foreign tourists visiting India, who can use UPI-linked wallets like UPI One World after completing the required verification.

This ensures seamless, real-time digital payments for both domestic and international users.