UPI – Unified Payment Interface
NPCI (National Payments Corporation of India) announced the bank applications for the Unified Payment Interface. UPI is a payment system that allows money transfer between any two bank accounts by using a smartphone and UPI Apps. UPI apps allows a customer to pay directly from your bank account to different merchants both Offline and Online without entering credit card details, IFSC code, or net banking/wallet passwords.
As of today, below Banks have upgraded their Mobile Banking Apps with UPI Functionality.
UPI Money Transfer | Free | Pay anyone anytime directly through your bank account. Securely and Instantly! |
|---|---|---|
| Union Bank UPI App | Free | UPI allows instantly transfer money to using IMPS payment framework. |
| United UPI | Free | Unified Payment Interface app from United Bank of India : Add any Bank account |
| UCO UPI | Free | UCO UPI-One App for all your Banking needs |
| Lotza-UPI | Free | LOTZA is Federal Bank’s UPI PSP application. |
| VIJAYA UPI | Free | VIJAYA BANK UNIFIED PAYMENT INTERFACE |
| SIB M-Pay (UPI Pay) | Free | M-Pay UPI: One App for all your Bank accounts & payments from South Indian Bank. |
| Andhra Bank ONE UPI App | Free | Andhra Bank ONE One App for all your Banking needs. |
| KBL SMARTz (UPI) | Free | KBL SMARTz (Karnataka Bank Secure Mobile App for Rapid Transactions) UPI |
| Axis Pay | Free | Unified Payments Interface (UPI) Application by Axis Bank |
| Maha UPI | Free | Bank of Maharashtra - Unified Payment Interface |
| CSB-UPI | Free | CSB-UPI |
| Canara Bank UPI- empower | Free | Unified Payment Interface (UPI) Application of Canara Bank. |
| TranZapp - UPI | Free | UPI Application - TJSB Sahakari Bank Ltd . |
| Vijaya Bank | Free | Vijaya Bank Mobile Banking |
| DCB Bank UPI App | Free | DCB Bank UPI App |
| Andhra Bank | Free | Andhra Bank UPI Apps |
| ICICI Mobile Banking - iMobile | Free | ICICI Mobile Banking - iMobile UPI Apps |
UPI Apps is safe as the customers only share a virtual address and provide no other sensitive information and you will be able to perform almost all transaction like Merchant Payments, remittances, bill payments among others.
Through UPI Apps, the transaction limit is Rs.1 lakh. Users can make an in-app payment for goods or services purchased online and through UPI app the transaction information is verified and followed by entry of a secure PIN for completing the purchase.