USD$ = 95.81₹ GBP£ = 128.60₹ EUR€ = 111.17₹ CAD$ = 69.44₹ AUD$ = 68.30₹ AED = 26.09₹ SGD$ = 74.86₹ NZD$ = 56.14₹ SEK = 10.22₹
IST: 00:00 PM
IST:

NRIWallahPay

Spend your Indian savings at UK shops and online — instantly, with UPI. No remittance. No hassle.

Your money in India — now useful in the UK too

Many NRIs have savings sitting in NRE or NRO accounts earning interest. Until now, spending it in the UK meant costly remittances. Not any more.

With NRIWallahPay and UPI, you can pay UK merchants directly from your Indian bank account — no need to transfer money to your UK account first.

  • Pay in INR, merchant receives INR in their Indian current account — the payment settles directly to the merchant’s UPI-linked bank account via an RBI-authorised PSP
  • Less than card fees — a small forex spread applies, but it is typically lower than international card network charges
  • No remittance needed — spending from your NRE/NRO account via UPI is a purchase, not a remittance, and is within RBI and FEMA guidelines
  • Instant confirmation — you and the merchant both know the moment the payment goes through

NRIWallah does not provide tax or legal advice. Consult your financial adviser for your specific situation.

Why pay with UPI in the UK?

Same Experience as India

Use Your Indian Savings

Safer Than Cards

How NRIWallahPay works

1

Find the QR code

Look for the NRIWallahPay QR code at checkout — at the till in-store, or on the payment page when shopping online.

2

Open your UPI app

Use any UPI app you already have — PhonePe, Google Pay, BHIM, Paytm, or your bank's own app. Exactly the same one you use back in India.

3

Scan and confirm the amount

Point your camera at the QR code, check the merchant name, and confirm the amount.

4

Enter your UPI PIN — done

Your PIN authorises the payment. It settles instantly and you get a notification — just like at a shop in India.

Don't have UPI yet? Here's how to get started.

UPI is India's government-backed instant payment system. You can set it up using your UK mobile number.

Why UPI matters as an NRI

UPI lets you manage and use your Indian savings from anywhere in the world — pay family back home, settle bills, and now pay UK merchants via NRIWallahPay. All from your phone, in seconds.

How to set up UPI on a UK number

  1. Open an NRE or NRO account with an Indian bank — ICICI, HDFC, SBI, Axis and Kotak all offer NRI accounts
  2. Download PhonePe or Google Pay — both support international numbers including UK (+44)
  3. Register using your UK mobile number
  4. Link your Indian bank account and set your UPI PIN

Learn how NRIs can set up UPI with an international number →

Are you a UK merchant?

NRIWallahPay makes it straightforward for UK businesses to accept UPI payments and reach Indian-origin customers — with a simple QR code, online or in-store. Over 1.8 million Indians live in the UK, many of whom are comfortable paying with UPI.

Visit our merchant portal to learn how to get started.

Merchant portal →

Common Questions

UPI (Unified Payments Interface) is India’s government-run instant payment system, operated by NPCI. Over 300 million people use it every day — scan a QR code, pick your bank, enter your PIN, and the payment settles in seconds. NRIWallahPay brings that same checkout experience to UK merchants.
It is identical. Find the NRIWallahPay QR code at checkout, open your UPI app, scan, and confirm with your PIN. You get an instant notification — and so does the merchant. No forms, no card details, no waiting.
Any UPI-enabled app you already use — PhonePe, Google Pay, BHIM, Paytm, or your bank’s own app. If it works in India, it works here.
Yes. UPI is linked to your Indian bank account, which includes NRE and NRO accounts. Spending via UPI is a purchase, not a remittance, and is within RBI and FEMA guidelines. Consult your financial adviser if you have questions specific to your situation.
A small forex spread applies when your INR converts to GBP — similar to any cross-border payment. It is typically lower than what international card networks charge, and there are no hidden fees on top of that.
Very. UPI is a bank-authorised push payment — every transaction requires you to confirm it with your PIN. No card numbers or sensitive account details are ever shared with the merchant.
You can set it up in a few minutes. See the “Don’t have UPI yet?” section on this page — register on your UK number using your Indian NRE/NRO bank account, then use PhonePe or Google Pay to pay.

Explore related topics

Send Money to India

UK NRI Tax

NRI Banking Guide