UPI Goes to Indonesia: Can You Pay Abroad in 2025?
India and Indonesia have agreed to link their payment systems. This means Indians travelling to Indonesia may soon scan a QR code and pay directly in rupees using UPI — no cash exchange or international card required.
Paying for Bali street food with your PhonePe soon — no forex card needed
UPI now works across this many countries — and Indonesia is next
Key Takeaways
Check if your bank's UPI app already supports international payments — SBI, HDFC, and Axis have enabled it for select countries.
Enable UPI international payments in your PhonePe, GPay, or Paytm settings before your next overseas trip to avoid last-minute hassles.
Compare forex card rates vs UPI conversion charges before travelling — UPI international transactions still carry a currency conversion fee, so calculate total cost.
India and Indonesia have agreed to link their payment systems. This means Indians travelling to Indonesia may soon scan a QR code and pay directly in rupees using UPI — no cash exchange or international card required.
Here's what happened: India and Indonesia announced plans to integrate UPI with Indonesia's national payment system, including cross-border QR code linkages.. This follows India's existing UPI tie-ups with countries like Singapore, UAE, France, Mauritius, Sri Lanka, and Nepal — now 21+ nations.. Cross-border UPI lets you pay a foreign merchant directly from your Indian bank account without needing forex cards or currency conversion booths..
What you should do: Check if your bank's UPI app already supports international payments — SBI, HDFC, and Axis have enabled it for select countries.. Enable UPI international payments in your PhonePe, GPay, or Paytm settings before your next overseas trip to avoid last-minute hassles.. Compare forex card rates vs UPI conversion charges before travelling — UPI international transactions still carry a currency conversion fee, so calculate total cost..
UPI international transfers currently have a per-transaction limit of ₹60,000. For larger travel spends, pair UPI with a zero-forex-markup credit card to stay within limits without extra fees.
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- [1]“India's UPI to integrate with Indonesia's payment system, says PM Modi” Latest Money & Banking, Financial News Today - news | The HinduBusinessLine · 7 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.