
Payments
How NRIs Can Use PhonePe UPI to Send Money, Invest, and Pay Bills in India
Kanishka Sarin|3 min read|24 November, 2025
For the millions of NRIs balancing life overseas with responsibilities in India, staying connected financially is a daily task. You may be paying electricity bills, topping up mutual funds, or managing rental deposits. Each task can mean jumping between bank apps, portals, or asking family to help. And until now, carrying an Indian SIM card for UPI meant one more travel hassle.
PhonePe has turned that page. You can now link your NRE or NRO account to your global mobile number and pay by UPI anywhere in India. Whether you’re in Sydney, Singapore, Toronto, or Dubai, you skip the SIM swaps once and for all.
Download PhonePe, connect your NRE or NRO account to your overseas number, and you’re ready to make secure UPI payments in minutes, no matter where you are. Download PhonePe, connect your NRE or NRO account to your overseas number, and you’re ready to make secure UPI payments in minutes, no matter where you are.
Here’s how this simple change is making your finances life way easier.
Never Miss an Indian Bill Again: Handle Utilities from Anywhere with PhonePe
Living abroad doesn’t mean bills back home have to pile up. Link your NRE or NRO account to PhonePe, and you can pay electricity, water, broadband, and DTH bills directly from your international number.
With a simple UPI payment, the money moves instantly and safely. Your family’s services stay on, and you skip the logins, the different websites, and asking relatives to step in.
Instant Transfers to Family and Friends
Life keeps throwing surprises: weddings, medical bills, or that moment you forgot a birthday. With PhonePe, you can zap money straight from your NRE or NRO account to any UPI ID or mobile number in India and watch it land immediately in their wallet. No waiting, no fuss. It’s the budget-friendly, dependable way to be there for your family no matter where you are in the world.
Invest in Mutual Funds, Stocks, and SIPs from Abroad with PhonePe
If India’s markets are part of your money game, keep scoring from anywhere. Link your NRE or NRO account to PhonePe and you can use UPI to pay for mutual fund SIPs, buy stocks, or fund any investment, all in real-time. You’ll never miss a beat on the country’s growth story, and every payment is locked down safe and easy to track inside the app.
Simplify Management of Indian-Sourced Income
If you collect rent, dividends, or any Indian income, it probably goes to an NRO account. Link that account to your foreign number on PhonePe, and the money is easy to manage. Pay taxes, settle bills, or shift funds between your Indian accounts, all without boarding a flight. It’s legal, it’s smart, and you keep your finances tight from anywhere on the globe.
How to Link Your International Number to PhonePe
How to Link Your International Number to PhonePe
- Open the PhonePe App
- Login with Your International Mobile Number and Verify it.
- Select Your NRE/NRO Bank Account
- Start Using UPI Anywhere!
PhonePe lets you link international numbers from many countries, like the United States, United Arab Emirates, United Kingdom, Saudi Arabia, Canada, Qatar, Singapore, Australia, Oman, Hong Kong, France, and India (for returning NRIs). It works with major Indian banks, including HDFC Bank, SBI, ICICI Bank, Axis Bank, and more.
The Smart Choice for NRIs
Once you link your NRE or NRO account to your international number, all your Indian transactions, bill pay, investments, and money transfers, are in one secure app.
This isn’t just convenient. It’s the comfort of being financially connected to India no matter where you are.
Download PhonePe now and enjoy global UPI access made for NRIs.
