AU Small Finance Bank UPI

Last Updated : July 22, 2025, 2:50 p.m.

The Unified Payments Interface (UPI) offered by AU Small Finance Bank through its AU 0101 App and BHIM AU App provides a seamless, secure, and instant way to transfer money, pay bills, and make merchant payments. This guide covers the key aspects of using AU Small Finance Bank’s UPI services, including features, registration, limits, and more.

Features & Benefits of AU Small Finance Bank UPI App

• Instant Real-Time Payments : Transfer funds instantly between bank accounts, 24x7, including holidays, using the AU 0101 or BHIM AU App.
• No Need for Bank Details : Make payments using a Virtual Payment Address (VPA) or UPI ID, eliminating the need to share bank account numbers or IFSC codes.
• QR Code Payments : Scan merchant QR codes for quick, contactless payments, enhancing convenience for in-store or online purchases.
• RuPay Credit Card Integration : Link your RuPay Credit Card to your UPI ID to make merchant payments and earn reward points (available on select cards).
• Multiple Account Linking : Link multiple bank accounts to a single UPI ID, allowing flexibility to choose the account for transactions.
• Free Transactions : UPI transactions through AU Small Finance Bank are free, with no additional charges.
• Exclusive AU UPI QR : Download and share your unique UPI QR code to receive payments directly into your bank account.
• Versatile Payment Options : Pay using mobile numbers, UPI IDs, or bank account details (with IFSC code) for peer-to-peer (P2P) or peer-to-merchant (P2M) transactions.
• Secure Transactions : UPI transactions are protected with two-factor authentication, including a UPI PIN, and end-to-end encryption for enhanced security.

How to Register AU Small Finance Bank UPI App?

To use UPI services, download the AU 0101 App or BHIM AU App from the Google Play Store or Apple App Store and follow these steps:

1. Download the App : Install the AU 0101 App or BHIM AU App on a smartphone with an active internet connection.
2. Sign In : Open the app and follow the on-screen instructions to sign in.
3. Verify Mobile Number : You will receive an SMS from AU Small Finance Bank to validate the mobile number registered with your bank account.
4. Select Bank Account : Choose the AU Small Finance Bank account you want to link to UPI.
5. Verify Debit Card : Enter your debit card details to authenticate the account.
6. Set UPI ID and PIN : Create a UPI ID (e.g., 99XXXXXX01@aubank) and set a 4-6 digit UPI PIN to authorize transactions.
7. Complete Registration : Once verified, your UPI ID is ready for sending and receiving payments.

Note : Non-AU customers can also register on the AU 0101 App by providing their name and email ID, but full UPI functionality requires an AU account.

AU Small Finance Bank UPI Limit Daily / Per Month

• First 24-72 Hours (New Users) :
  • Android and iOS users are limited to ₹5,000 or 20 transactions per 24 hours, whichever is reached first.
• After Initial Period :
  • Daily Limit : Up to ₹1,00,000 per day for both sending and receiving, with a maximum of 20 person-to-person (P2P) transactions.
  • Per Transaction Limit : Up to ₹1,00,000 for a single transaction (sending or receiving).
  • Monthly Limit : Up to ₹4,00,000 can be received within a 24-hour period, but no specific monthly sending limit is mentioned (subject to daily limits).
• UPI 2.0 (Select Providers) : Some banks support transactions up to ₹2,00,000 per transaction, but confirmation of AU Small Finance Bank’s adoption of UPI 2.0 is not explicitly stated in available information. Check with the bank for updates.

How to Increase AU Small Finance Bank UPI Limit?

To increase your UPI transaction limit beyond the default settings:

1. Log In to AU 0101 App : Open the app and navigate to the dashboard.
2. Access Transaction Limits :
   • Go to Settings and select Manage Transaction Limits, or
   • Click the Money Transfer icon and choose Manage Transaction Limits from the three-dot menu (top-right).
3. Modify Limit : Use the slider to adjust the transaction limit for UPI payments (up to the bank’s maximum, typically ₹1,00,000 daily).
4. Save Changes : Click Save to confirm the updated limit.
5. Contact Bank for Higher Limits : For limits beyond ₹1,00,000 or for business accounts, contact your Relationship Manager or visit a branch to request a limit increase.

Note : Limit increases are subject to bank approval and compliance with NPCI guidelines.

How to Transfer Money by Using AU Small Finance Bank UPI?

You can transfer money using the AU 0101 App or BHIM AU App via two methods:

1. Scan to Pay :
   • Open the AU 0101 App and select BHIM UPI > Scan to Pay.
   • Scan the recipient’s UPI QR code.
   • Enter the amount and select the linked bank account.
   • Confirm payment details and enter your UPI PIN to complete the transaction.
2. Send Money via UPI ID :
   • Go to BHIM UPI > Send Money.
   • Enter the recipient’s UPI ID (e.g., recipient@aubank).
   • Specify the amount and choose the bank account.
   • Confirm details, enter your UPI PIN, and submit to transfer the funds.

Note : Ensure the recipient’s UPI ID is correct to avoid failed transactions. Transactions are instant, and you’ll receive an SMS confirmation.

How to Receive Money Through AU Small Finance Bank UPI?

To receive money using AU Small Finance Bank UPI:

1. Share UPI ID or QR Code :
   • Open the AU 0101 App, go to your profile, and display your UPI QR code for the sender to scan, or share your UPI ID (e.g., 99XXXXXX01@aubank).
2. Request Money :
   • In the AU 0101 App, select BHIM UPI > Collect Money.
   • Enter the payer’s UPI ID and the amount to request.
   • The payer receives a notification and can approve the request to transfer funds to your account.
3. Receive Funds : Once the payer confirms, the money is credited instantly to your linked AU account. You’ll receive an SMS confirmation.

Note : You can receive up to ₹1,00,000 per transaction and ₹4,00,000 daily.

AU Small Finance Bank UPI Customer Care Number

For any issues or queries related to UPI transactions:

• Toll-Free Numbers : 1800 1200 1200
• Email : customercare@aubank.in
• Website : Visit www.aubank.in for additional support or to submit feedback.

If you face issues like failed transactions or need to reset your UPI PIN, contact customer care or use the Forgot MPIN option in the AU 0101 App.