UPI — Unified Payments Interface — has transformed the way India handles money. With over 10 billion transactions processed every month, it is one of the world’s most widely used digital payment systems. For Indians living in Australia, sending money directly to a loved one’s UPI account is one of the fastest and most convenient ways to get money home.
With OrbitRemit, you can send money to UPI in India from Australia for $0 — completely free. In this guide, you’ll learn exactly how to do it, what details you need, and what your recipient can do once funds arrive.
What is UPI?
UPI (Unified Payments Interface) is a real-time payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI). Launched in 2016, UPI allows instant bank-to-bank transfers using a simple UPI ID, mobile number, or QR code — without sharing bank account details.
UPI is built into India’s most popular payment apps, including:
- PhonePe
- Google Pay (GPay)
- Paytm
- BHIM
- Amazon Pay
- Most major Indian banking apps
Every UPI user has a unique UPI ID (also called a Virtual Payment Address or VPA) — typically formatted as mobilenumber@bankname or username@upi. Your recipient can find their UPI ID in their preferred payment app.
Source: National Payments Corporation of India — npci.org.in
Why send to UPI instead of a bank account?
Sending directly to a UPI ID offers several advantages:
- No bank account details needed — your recipient only needs to share their UPI ID or registered mobile number, not their account number or IFSC code
- Instant access — funds arrive directly in the linked bank account and are immediately available
- Widely used — over 500 million Indians use UPI-enabled apps for everyday payments, from grocery shopping to bill payments
- Simple for the recipient — no action required on their end once funds arrive
Source: BankBazaar — UPI Rules 2026
How to send money to UPI in India from Australia with OrbitRemit
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Create an account or log in
Register online or log into your existing OrbitRemit account. New customers will need to complete a one-time biometric verification — a quick identity check required under Australian financial regulations.
📋 How to complete biometric verification → -
Set up your transfer
– Select India (INR) as your destination
– Enter the amount you want to send in AUD, or the amount you’d like your recipient to receive in INR
– Review the exchange rate and $0 fee shown upfrontUse OrbitRemit’s currency calculator to check the live AUD to INR rate before confirming.
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Select UPI as the delivery method
Under ‘Recipient Type’, select Mobile Wallet / UPI as your delivery option to send funds directly to your recipient’s UPI account.
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Add your recipient’s UPI details
You will need:
– Recipient’s full legal name
– Recipient’s UPI ID (e.g.mobilenumber@bankname) or registered mobile number linked to their UPI account⚠️ Important: Make sure your recipient’s UPI ID is active and linked to a bank account.
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Pay for your transfer
Choose your preferred payment method:
– Bank transfer
– Debit card
– PayID
– Apple Pay or Google PayOnce payment is received, OrbitRemit processes your transfer. Most transfers to India settle within the same business day.
How much does it cost to send money to UPI from Australia?
Sending money to UPI in India from Australia with OrbitRemit is completely free — $0 transfer fee, every time.
- AUD to INR via UPI: $0 — free every time
- AUD to INR via bank deposit: $0 — free every time
- Transfers of $10,000 AUD or more: fee-free
- New customers: $0 fee + special promo rate on first transfer*
Source: blog.orbitremit.com/send-money-to-india-from-au-nz
*New customers only. Limited time offer. Rate subject to change. $500 AUD limit applies. Terms and conditions apply.
How fast are UPI transfers from Australia?
With OrbitRemit, transfers to India typically settle within the same business day once payment is received.
Source: blog.orbitremit.com/send-money-to-india-from-au-nz
Transfers made over weekends or public holidays may take slightly longer. First-time transfers may also take slightly longer while identity verification is completed.
Transfer limits
OrbitRemit transfer limits for India
- Personal bank accounts: daily limit of 15,000,000 INR
- Business bank accounts: daily limit of 1,500,000 INR
Source: blog.orbitremit.com/send-money-to-india-from-au-nz
UPI per-transaction limits in India
UPI transactions in India are subject to limits set by the RBI and NPCI. The standard UPI per-transaction limit is ₹1,00,000 (1 lakh INR) for most users. Some banks may apply different limits depending on the user’s profile and transaction history.
Source: BankBazaar — UPI Rules 2026
What is a UPI ID and how does your recipient find it?
A UPI ID (also called a Virtual Payment Address or VPA) is a unique identifier linked to your recipient’s bank account. It looks like an email address — for example, name@okicici or 9876543210@ybl.
Your recipient can find their UPI ID in their preferred payment app:
- Google Pay: Tap profile photo → Your UPI IDs
- PhonePe: Tap profile icon → UPI ID shown under your name
- Paytm: Tap profile → UPI Settings
- BHIM: Home screen → UPI ID shown under your name
Your recipient can also receive funds using their mobile number registered with their UPI app, if their bank supports it.
Tips for sending to UPI from Australia
1. Confirm the UPI ID before sending Ask your recipient to copy and paste their UPI ID directly to avoid typos. A wrong UPI ID can result in funds being sent to the wrong account.
2. Check the live AUD to INR rate first Use OrbitRemit’s currency calculator to see the live rate before confirming your transfer.
3. Use PayID for faster payment processing Paying via PayID typically processes faster than a standard bank transfer in Australia, helping your transfer move more quickly.
4. Take advantage of the $0 fee Since AUD to India transfers are completely free with OrbitRemit, you can send smaller, more frequent amounts without worrying about fees reducing what your recipient receives.
5. Set a rate alert OrbitRemit’s app allows you to set rate alerts — so you’re notified when the AUD to INR exchange rate reaches your target.
Is it safe to send money to UPI from Australia?
Yes. OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) (AFSL: 470646) and registered with AUSTRAC as a licensed remittance provider. Every transfer is protected by industry-leading encryption and fraud detection systems.
UPI is developed and managed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI) — two of India’s most authoritative financial institutions.
Source: orbitremit.com/india
Frequently Asked Questions (FAQs)
How do I send money to UPI from Australia?
Log into your OrbitRemit account, select India as your destination, choose UPI as the delivery method, enter your recipient’s UPI ID and full name, and pay using your preferred payment method. Transfers typically settle within the same business day.
Is sending to UPI from Australia fee-free?
Yes. Sending AUD to UPI in India with OrbitRemit costs $0 — there is no transfer fee. The exchange rate and full amount your recipient will receive are shown upfront before you confirm.
How long does it take to send money to UPI from Australia?
Transfers to India with OrbitRemit typically settle within the same business day of payment being received. Transfers made on weekends or public holidays may take slightly longer.
What details do I need to send money to UPI?
You need your recipient’s full legal name and their UPI ID (e.g. mobilenumber@bankname) or the mobile number registered with their UPI account.
What is the maximum I can send to India from Australia?
OrbitRemit’s daily transaction limit for India is 15,000,000 INR for personal accounts and 1,500,000 INR for business accounts. Within India, individual UPI transactions are subject to a standard per-transaction limit of ₹1,00,000 (1 lakh INR) set by NPCI.
Sources: blog.orbitremit.com/send-money-to-india-from-au-nz; BankBazaar — UPI Rules 2026
What if my recipient doesn’t have a UPI account?
If your recipient doesn’t have a UPI account, they can set one up through any major Indian payment app such as Google Pay, PhonePe, Paytm or BHIM using their Indian mobile number and bank account. Alternatively, OrbitRemit supports direct bank account deposits to all major Indian banks including HDFC, ICICI, SBI, Axis Bank and more — also at $0 fee from AUD.
Can I also send to a bank account in India?
Yes. OrbitRemit supports both UPI and direct bank account deposits to India, both at $0 fee from AUD. Supported banks include HDFC, ICICI, SBI, Union Bank, Axis Bank and more.
Start sending to UPI in India from Australia today
Sending money to UPI in India is fast, free and straightforward with OrbitRemit. No transfer fee from AUD, competitive AUD to INR exchange rates, and transfers that typically settle within the same business day.
Whether you’re sending regular support, helping with everyday expenses, or topping up a loved one’s UPI wallet — OrbitRemit makes it easy to send more of your money home.
- $0 fee from AUD — every time
- Transfers typically arrive within the same business day
- Competitive AUD to INR exchange rates
- Rated Excellent on Trustpilot from over 33,000 reviews
- Regulated by ASIC and registered with AUSTRAC
