Indian Banks dont allow multiple mobile phone number to use UPI even if there is more than one person in a joint account. That needs to be fixed first.In a E/S joint account, having only primary transact UPI is NOT a feature, it is a restriction.
My wife and I have a joint ICICI NRO account with her US number as the primary number. They wouldn’t allow me to add my US number to the account. This is a pain because all the OTPs go to her phone. I had to open a separate individual NRO account in my name with my US mobile number as primary to avoid this problem.
Yeah, I have an NRI account with ICICI Bank. They allow only one phone number to be linked to my account. Every year I spend part of my time in Australia, UK and India. My Australian number is linked to my account. Roaming is expensive and I don't want to have roaming activated just for the sake of receiving the OTP for occasional transactions. Further when you are on roaming sometimes it takes more than a minute to receive the OTP. But the bank allows you only a few seconds to enter the OTP. I have partially solved the problem by linking my Indian local number when I am in India and switching over to my Australian number while in Australia. However the bank doesn't allow me to change my phone number by myself using internet banking, so whenever I am in India the first thing I do is to visit my local ICICI branch to get my phone number changed in the system. I also visit the branch to change the number again before departing India. Apparently you can also contact the bank's customer service for phone number change. I was also told that I can get OTP by email if I prefer. But I find all this a real hassle. Even though Indian banks want your money their systems are not set up to cater to the varying needs of NRIs.
India makes banking for NRIs incredibly difficult. Too many rules and regulations, and way too many restrictions. I don't understand why India makes things so bureaucratic.
This is not as good as you may think. It costs$10 per day to use my US phone in India. So I borrow a Jio Hotspot and use my US phone in airplane mode while visiting India. My ICICi bank account which has UPI will not work when I put my phone in airplane mode. What will help is to allow Adhar card to OCI holders so we can get an Indian phone number while in India. Adhar is just identification so why not allow that? For me an important benefit is not to carry cash around while in India
I used to pay $10 a day to use my Verizon phone in India. So I switched to Spectrum Mobile. Now I pay as I need, a few cents per minute or MB of data. Now, about an Aadhaar card: you have to document a local address in India with proof, need a PAN card, and provide all kinds of information. It is very difficult for an NRI to get an Aadhaar card; trust me, I'm a US Citizen but managed to get an Aadhaar card just so I could get an Indian phone. I now have a Dual-SIM phone with a US number and an Airtel number. You do not qualify for an Aadhaar just because you have an OCI.
Aadhar is a residency card. OCI card holders (or even foreigners I think) can take an Aadhar card as per regulations if they have stayed in India for 180 days in the last 365 days . But there are still some procedural issues from UIDAI to be ironed out as I understand. So in practice still needs to wait for that from UIDAI.
@@AjithKumar-st7jn Bottomline - Adhar is an identification card - you confirm that you are who you claim to be - that foundation can be used for anything, Adhar card does not give any one any other rights. A foreign resident living in India with Adhar card - does not get right to vote etc.. Having adhar just makes it easy to get an Indian phone, Indian bank account for frequent visitors who do not make the six month requirement. Just like OCI has been allowed - adhar should be allow - when you make life easy - it is good for business
@@OnlineMD yes, with T Mobile unlimited data & text in India is included, just came back from India and used UPI with my ICICI NRO act without any issues. Used my US phone with US number the whole time. You can also get esim in case Tmobile is not available. Worked perfectly
Indian Bank and their overall technology system is 50 yrs behind!! from opening account to maintaning is stressful and full of sht procedures! Overseas u can open account in 2 minutes with KYC and home loan approved in few days not months!
Thi video is misleading. I tried with multiple apps and nothing supports international number. Bhim axis upi app allows international number but fails verification even after trying for 10 times
Please confirm with your carrier if sending international SMS is supported, if not please activate it. The app can only verify your mobile number by sending an international SMS. I have successfully activated UPI using phonepe.
Too much bureaucracy in India. 😡 Too many holidays for Indian banks.. When NRI goes for say 2 or 3 weeks to India, their banking needs are not completed by the time they depart from India.. For example, we need to make foreign address change, it always takes them at least 4 weeks.. Why so much delay if everything is computerized.. So called premium banks like HDFC, Axis, Kotak bank make lots of mistakes white entering KYC details and then the banks do not allow NRI's to transact until they themselves correct their own mistakes.. Very frequantly the Indian banks make phone calls, which is very annoying, to their NRI customers to sell their products instead of selling their products via email.. Here in USA I have four bank accounts nobody from bank calls me, they send emails instead.. I AM TIRED OF DEALING WITH INDIAN BANKS AND INDIAN BUREAUCRACY.. 😡 Since I am NRI, I have monetary connection (Because I have parents through whom we inherit money) with India which I can not discard also.
HDFC does not yet support UPI for NRO / NRE account that is linked to a non India number. Have been trying every few months since the announcement many months ago. you should valudate your content before publishing. #fakenews
Greetings from the USA. I have banked with SBI (State Bank of India) for years. I used to use my USA phone on my account but two years ago switched to an Airtel number. After that I could use GPay, which DOES NOT allow the use of a USA phone number. And oh, I tried PayTM and PhonePE but didn't like either.
HDFC bank has not enabled UPI feature for USA. I have tried many times.Every time I get Error message saying technical error try later at the time of verification of mobile number.
As far as I know HDFC allows NRIs with overseas mobile numbers to create a UPI id. Initially I also faced the same issue as you did. Please check that your plan allows you to send international SMS, cos that's the only way to verify your mobile number. I was getting error message as well but then I contacted by network provider and activated international SMS and it worked!
This video is good example of 'google educated ' folks with zero practical experience....... clearly neither of these two gentleman know how PITA it is to setup UPI on bank account wih international number and make it work during trip to india 😂😂
Is it possible to link the phone numbers of any countries or is there any specific list of countries which support this ? Also is this available for OCI cardholders or only for NRIs? How to add a overseas phone number in addition to an indian number as Indian banks doesn't allow multiple phone numbers for upi. Pls clarify as this is not clear.
These institutions like banks, vfs and other controlled by old mentality of typical Indians way got to changed for NRI since we have not the same mentality and a way they treat and proceed used in India. I have lots of headache with those individuals working on in India and abroad institutions.
Pointless video not researched well enough talks about international number and Indian Bank account. Is the Indian Bank account a resident account? Which the NRIs are not supposed to have. The NRO and NRE accounts are not eligible for UPI till date. The bank apps let alone the UPI apps are not available in iOS or Google Play stores for app stores outside India.
I've successfully set up UPI payments from the UK using my ICICI Bank NRE and NRO accounts through PhonePe. The app accepts international phone numbers for UPI registration. Pretty straightforward in my opinion
i THINK NRE A/C IS NOT MUCH HELPFULL !!!! NRO A/C IS ENOUGH ... ONLY NRE FOR FD A/C BUT NOW STOCK MARKET , GOLD , SILVER GIVES 10 % PLUS THROUGH NRO A/C
Good video. Look at indian hypocrisy. We want to do international translation in Rs. For Eg, we want to trade with UAE in Rs but we want to restrict NRI from making transaction using UPI or allow them to maintain a Rs only account in india.
Is it just me or others feel the same? This is already available since over a year why this video now? It's a very late video unless this was reposted again?? 🤔🤔
Indian Banks dont allow multiple mobile phone number to use UPI even if there is more than one person in a joint account. That needs to be fixed first.In a E/S joint account, having only primary transact UPI is NOT a feature, it is a restriction.
Not really. I use HDFC bank account with an overseas mobile number. I get OTP and all other alerts here
My wife and I have a joint ICICI NRO account with her US number as the primary number. They wouldn’t allow me to add my US number to the account. This is a pain because all the OTPs go to her phone. I had to open a separate individual NRO account in my name with my US mobile number as primary to avoid this problem.
Yeah, I have an NRI account with ICICI Bank. They allow only one phone number to be linked to my account. Every year I spend part of my time in Australia, UK and India. My Australian number is linked to my account. Roaming is expensive and I don't want to have roaming activated just for the sake of receiving the OTP for occasional transactions. Further when you are on roaming sometimes it takes more than a minute to receive the OTP. But the bank allows you only a few seconds to enter the OTP.
I have partially solved the problem by linking my Indian local number when I am in India and switching over to my Australian number while in Australia. However the bank doesn't allow me to change my phone number by myself using internet banking, so whenever I am in India the first thing I do is to visit my local ICICI branch to get my phone number changed in the system. I also visit the branch to change the number again before departing India.
Apparently you can also contact the bank's customer service for phone number change. I was also told that I can get OTP by email if I prefer. But I find all this a real hassle. Even though Indian banks want your money their systems are not set up to cater to the varying needs of NRIs.
Mint is waking up one year late to announce the news..
India makes banking for NRIs incredibly difficult. Too many rules and regulations, and way too many restrictions. I don't understand why India makes things so bureaucratic.
i AGREE WITH YOU.. I am tired of dealing with Indian bureaucracy, but we have no choice as we have moetary ties through our parents.
India it self don't know what they doing it self
Never throw useless comments like this. at least, provide two exact concern. UPI is free, its an amazing benefit
You can not receive money in Rupees with the app in NRO account. One has to do a bank transfer.
This is not as good as you may think. It costs$10 per day to use my US phone in India. So I borrow a Jio Hotspot and use my US phone in airplane mode while visiting India. My ICICi bank account which has UPI will not work when I put my phone in airplane mode. What will help is to allow Adhar card to OCI holders so we can get an Indian phone number while in India. Adhar is just identification so why not allow that? For me an important benefit is not to carry cash around while in India
I used to pay $10 a day to use my Verizon phone in India. So I switched to Spectrum Mobile. Now I pay as I need, a few cents per minute or MB of data. Now, about an Aadhaar card: you have to document a local address in India with proof, need a PAN card, and provide all kinds of information. It is very difficult for an NRI to get an Aadhaar card; trust me, I'm a US Citizen but managed to get an Aadhaar card just so I could get an Indian phone. I now have a Dual-SIM phone with a US number and an Airtel number. You do not qualify for an Aadhaar just because you have an OCI.
Aadhar is a residency card. OCI card holders (or even foreigners I think) can take an Aadhar card as per regulations if they have stayed in India for 180 days in the last 365 days . But there are still some procedural issues from UIDAI to be ironed out as I understand. So in practice still needs to wait for that from UIDAI.
@@AjithKumar-st7jn Bottomline - Adhar is an identification card - you confirm that you are who you claim to be - that foundation can be used for anything, Adhar card does not give any one any other rights. A foreign resident living in India with Adhar card - does not get right to vote etc.. Having adhar just makes it easy to get an Indian phone, Indian bank account for frequent visitors who do not make the six month requirement. Just like OCI has been allowed - adhar should be allow - when you make life easy - it is good for business
@@manishsehgal123 eh, no thanks, coverage sucks. But wait, you can go across the world and no charge for calls and data with T-Mo?
@@OnlineMD
yes, with T Mobile unlimited data & text in India is included, just came back from India and used UPI with my ICICI NRO act without any issues. Used my US phone with US number the whole time. You can also get esim in case Tmobile is not available. Worked perfectly
Nicely explained guys. Thank you for this video.
Some of us don’t have Indian numbers. We came long ago and are citizens here. We are oci card holders.
Indian Bank and their overall technology system is 50 yrs behind!! from opening account to maintaning is stressful and full of sht procedures! Overseas u can open account in 2 minutes with KYC and home loan approved in few days not months!
Good move. But this must be promoted by Govt of India. Not everybody watches Mint!
I’m in the US and can’t even use G-Pay when I’m in India because my Google account is American 😧
Its old news and still NRIs are struggling to activate UPI feature. You guys have not shown how to do it.
Thi video is misleading. I tried with multiple apps and nothing supports international number. Bhim axis upi app allows international number but fails verification even after trying for 10 times
I am able to use PhonePe from USA with Axis bank accounts . Had to uninstall and reinstall once. I tried using Axis Bhim app and it doesn't work.
Agree. Bhim Axis UPI app fails verification repeatedly
@SrinRajagopal PhonePe with Axis account from US worked for me.
Please confirm with your carrier if sending international SMS is supported, if not please activate it. The app can only verify your mobile number by sending an international SMS. I have successfully activated UPI using phonepe.
What about US citizen who has an NRO and NRE account? Can they still use UPI transactions?
I am US citizen of Indian origin. Can I use BHIM to do UPI transaction?
When will SBI enable UPI
Too much bureaucracy in India. 😡 Too many holidays for Indian banks.. When NRI goes for say 2 or 3 weeks to India, their banking needs are not completed by the time they depart from India.. For example, we need to make foreign address change, it always takes them at least 4 weeks.. Why so much delay if everything is computerized.. So called premium banks like HDFC, Axis, Kotak bank make lots of mistakes white entering KYC details and then the banks do not allow NRI's to transact until they themselves correct their own mistakes.. Very frequantly the Indian banks make phone calls, which is very annoying, to their NRI customers to sell their products instead of selling their products via email.. Here in USA I have four bank accounts nobody from bank calls me, they send emails instead..
I AM TIRED OF DEALING WITH INDIAN BANKS AND INDIAN BUREAUCRACY.. 😡 Since I am NRI, I have monetary connection (Because I have parents through whom we inherit money) with India which I can not discard also.
HDFC does not yet support UPI for NRO / NRE account that is linked to a non India number. Have been trying every few months since the announcement many months ago. you should valudate your content before publishing. #fakenews
Greetings from the USA. I have banked with SBI (State Bank of India) for years. I used to use my USA phone on my account but two years ago switched to an Airtel number. After that I could use GPay, which DOES NOT allow the use of a USA phone number. And oh, I tried PayTM and PhonePE but didn't like either.
Too much bureaucracy in India. It is tiring to deal with untrained and rude staff compared to USA. Work ethics in India very poor.
@gpersonet SBI staff at our Bengaluru branch are never rude but there's always paperwork and more of it.
It doesn't work bro. I tried on paytm, phonepe. ICICI upi worked for a while and no longer supported.
HDFC bank has not enabled UPI feature for USA. I have tried many times.Every time I get Error message saying technical error try later at the time of verification of mobile number.
As far as I know HDFC allows NRIs with overseas mobile numbers to create a UPI id. Initially I also faced the same issue as you did. Please check that your plan allows you to send international SMS, cos that's the only way to verify your mobile number. I was getting error message as well but then I contacted by network provider and activated international SMS and it worked!
Please provide specific step by step guide using one app such as phone pe or paytm
Not all countries are supported. For example HDFC doesn’t support New Zealand numbers as of this date.
Great point!!
So you can make payment, but can you also receive money in account ?
I am an oci no upi available for me
I am an NRI AND i do pay with gpay but with my Indian number when I am abroad …..
I am in the USA. Can I use UPI for payment to a brother or sister living in India?
There’s serious need for some agencies who cater to unique needs of NRIs.
Is SBI Included
What? This paying bill was possible since atleast year 2002. It can be done through NRE accounts easily if one wants to pay any bill
Can you confirm which are those 10 countries?
Is singapore part of it?
Will they be allowed to use Rupay Credit card on UPI like normal residents?
This video is good example of 'google educated ' folks with zero practical experience....... clearly neither of these two gentleman know how PITA it is to setup UPI on bank account wih international number and make it work during trip to india 😂😂
Is it possible to link the phone numbers of any countries or is there any specific list of countries which support this ? Also is this available for OCI cardholders or only for NRIs? How to add a overseas phone number in addition to an indian number as Indian banks doesn't allow multiple phone numbers for upi. Pls clarify as this is not clear.
Do they allow to UPI transfer money from NRE account to another NRE account using apps like BHIM app?
India must introduce more RuPay like systems and systematically kick out Visa and MasterCard
Chakravyuha me ghusna aasan hai....bahar nikalna nahi....
Can you pay abroad using funds in Indian Bank?
These institutions like banks, vfs and other controlled by old mentality of typical Indians way got to changed for NRI since we have not the same mentality and a way they treat and proceed used in India. I have lots of headache with those individuals working on in India and abroad institutions.
whats the use of UPI to NRIs ? Before all this trap, Govt should allow dual citizenship to NRIs, then NRIs can think of all this.
Pointless video not researched well enough talks about international number and Indian Bank account. Is the Indian Bank account a resident account? Which the NRIs are not supposed to have. The NRO and NRE accounts are not eligible for UPI till date. The bank apps let alone the UPI apps are not available in iOS or Google Play stores for app stores outside India.
I've successfully set up UPI payments from the UK using my ICICI Bank NRE and NRO accounts through PhonePe. The app accepts international phone numbers for UPI registration. Pretty straightforward in my opinion
i THINK NRE A/C IS NOT MUCH HELPFULL !!!! NRO A/C IS ENOUGH ... ONLY NRE FOR FD A/C BUT NOW STOCK MARKET , GOLD , SILVER GIVES 10 % PLUS THROUGH NRO A/C
Good video. Look at indian hypocrisy. We want to do international translation in Rs. For Eg, we want to trade with UAE in Rs but we want to restrict NRI from making transaction using UPI or allow them to maintain a Rs only account in india.
Idiotic. They have not explained properly how it’s to be done.
Is it just me or others feel the same? This is already available since over a year why this video now? It's a very late video unless this was reposted again?? 🤔🤔
Can you come with a better script ? This video not provide any value.
It’s still useless and cumbersome for most NRIs
Now international fraudulent will play with upi ......
Such nonsense - it has never worked with an Indian phone number on Canara bank or Citi NRO accounts
what non sense this video is
UPI is useless for NRIs
UPI is NOT ENABLED FOR a NEW ZEALAND mobile no ... PLEASE CAN YOU CHECK
canara bank doesnt have it. been trying for last 8 months. worst bank ever in everything