"Send UPI to India" is one of the most common ways people phrase this search when they're in Thailand and need to get money to a bank account back home. This guide answers that question directly what UPI actually is, how a cross-border transfer reaches a UPI-linked account, and how to do it from Thailand. For the broader picture on sending money to India, see DeeMoney's step-by-step India transfer guide and why DeeMoney for India; this piece focuses specifically on the UPI question those don't cover.
Highlights
DeeMoney supports both delivery methods: a standard bank deposit (IFSC + account number) or direct-to-UPI-ID delivery
Fee: 0 THB for direct UPI-ID delivery; 133.75 THB (125 THB + 7% VAT) for bank deposit
Delivery within 10 minutes to a UPI ID or within 20 minutes to a bank account (max 3 working days)
Direct UPI-ID delivery is capped at 100,000 INR per transaction/day use bank-account delivery for larger amounts
Bank of Thailand licensed
What Is UPI, and Why Does It Matter for Transfers from Thailand?
UPI (Unified Payments Interface) is India's real-time payment system that lets anyone move money between bank accounts instantly using a UPI ID or a linked mobile number, without needing the recipient's full account number for domestic payments. It's become the default way most people in India send and receive money day to day, which is why "send UPI to India" is how so many people now describe wanting to get money to a family member's account, even when they're sending from abroad.
How a Cross-Border Transfer Actually Reaches a UPI-Linked Account
Good news: DeeMoney supports both delivery methods for India. You can send directly to a UPI ID, or to the recipient's bank account using the account number and IFSC code the same account their UPI ID is linked to either way. Either method gets funds to an account your recipient can use via UPI.
Direct UPI-ID delivery is capped at 100,000 INR per transaction and per day, so for larger transfers, bank-account delivery via IFSC code is the one to use, it carries DeeMoney's standard per-transaction limit instead.
Sending Money to India from Thailand: Step by Step
Download the DeeMoney app and register with your email and phone number, then complete KYC by uploading your passport or Thai ID and a selfie, this usually clears in under 24 hours.
Add your recipient in India. Choose to send directly to their UPI ID, or enter their full name, bank account number, and IFSC code for bank-account delivery, DeeMoney supports both.
Enter the amount in Thai baht; the app shows the Indian rupee equivalent, the exchange rate, and the fee before you confirm.
Confirm and pay via Thai bank transfer, then track the transfer in the app until it's delivered, typically within 10 minutes to a UPI ID or within 20 minutes to a bank account (max 3 working days).
Once the funds land, your recipient can use them via UPI immediately, the same as any other deposit to that account.
Comparing Providers for the India Corridor
Provider type | Fee model | Typical speed | Delivery method |
|---|---|---|---|
DeeMoney | 0 THB for UPI-ID delivery; 133.75 THB (125 THB + 7% VAT) for bank deposit | Within 10-20 minutes (max 3 working days) | Bank account (IFSC) or direct UPI ID |
Digital transfer app | Percentage-based fee | 1-2 business days | Bank account |
App with UPI delivery option | Varies by amount and funding method | Minutes to 1 business day | Bank account, UPI ID (select corridors), or cash pickup |
Traditional operator | Varies by amount and payout method | Minutes (cash) to 1-2 days (bank) | Bank account or cash pickup |
Is It Secure?
DeeMoney is licensed by the Bank of Thailand under the Authorized Money Transfer Agent License (no. MT125590013) and holds an E-Money License, so transfers run through the same regulatory framework as a bank. See the DeeLight page for more on how that security works.
Frequently Asked Questions
Can I send UPI to India directly from Thailand? Yes, DeeMoney supports direct UPI-ID delivery, capped at 100,000 INR per transaction and per day. For larger amounts, send to the recipient's bank account via IFSC code instead; funds land in the same account either way.
How do I send money to India quickly and securely? Use a Bank of Thailand-licensed provider, double-check the recipient's IFSC code and account number before confirming, and confirm the recipient details carefully so the money arrives within minutes.
What's the fee for sending money from Thailand to India? DeeMoney charges 133.75 THB (125 THB plus 7% VAT) for bank-account delivery and 0 THB for direct UPI-ID delivery, regardless of the amount sent.
For a deeper walkthrough of the full process, see the step-by-step India guide, 15 ways to send money to India, or common mistakes to avoid. To start a transfer, visit the money exchange page.
