Bandhan Bank UPI

Last Updated : July 19, 2025, 4:29 p.m.

Unified Payments Interface (UPI) is a revolutionary payment system in India that enables instant, secure, and seamless money transfers using a smartphone. Bandhan Bank, a leading private sector bank, offers UPI services through its mobile banking app, mBandhan, making it easy for customers to send and receive money anytime, anywhere. This article provides a comprehensive guide to Bandhan Bank’s UPI services, covering features, registration, transaction limits, and customer support, along with frequently asked questions.

Features and Benefits of Bandhan Bank UPI App

Bandhan Bank’s UPI services, integrated into the mBandhan mobile banking app, offer a range of features and benefits designed to enhance your digital banking experience:

• Instant Transfers : UPI enables real-time fund transfers, available 24/7, including weekends and bank holidays, ensuring you can send or receive money anytime.
• No Beneficiary Registration : Transfer funds using just a Virtual Payment Address (VPA), mobile number, or account details without adding a beneficiary, simplifying the process.
• Multiple Account Linking : Link multiple Bandhan Bank accounts or accounts from other banks to a single VPA for seamless management.
• Secure Transactions : UPI uses two-factor authentication, including device binding and a UPI PIN, ensuring high security for all transactions.
• Merchant Payments : Pay merchants directly by scanning UPI QR codes or using their VPA, ideal for shopping, dining, or bill payments.
• Request Money : Send collect requests to others, making it easy to request payments without sharing sensitive bank details.
• User-Friendly Interface : The mBandhan app provides a simple and intuitive interface for quick navigation and hassle-free transactions.
• Versatile Transactions : Supports peer-to-peer (P2P), peer-to-merchant (P2M), and bill payments, offering flexibility for various financial needs.

How to Register for Bandhan Bank UPI App?

To use Bandhan Bank’s UPI services, you need to register through the mBandhan mobile banking app. Follow these steps:

1. Download the mBandhan App : Install the mBandhan app from the Google Play Store or iOS App Store. Ensure your mobile number is registered with Bandhan Bank.
2. Log In or Register : Open the app and log in using your Bandhan Bank account credentials (customer ID and password). If you’re a new user, register for mobile banking by providing your account details and verifying your identity.
3. Access UPI Section : Navigate to the UPI section within the mBandhan app (usually found under “Fund Transfer” or “UPI Payments”).
4. Create a VPA : Set up a Virtual Payment Address (e.g., yourname@bandhan) by selecting a unique identifier. Bandhan Bank allows up to three VPAs per account.
5. Link Bank Account : Choose your Bandhan Bank savings or current account to link with the VPA. You can also link accounts from other banks if supported.
6. Set UPI PIN : Enter your debit card details (last 6 digits and expiry date) to generate a 4-6 digit UPI PIN. You’ll receive an OTP to verify the process.
7. Complete Registration : Once the UPI PIN is set, your account is ready for UPI transactions. You’ll receive a confirmation notification.

Note : Ensure the mobile number linked to your bank account is active in the device’s SIM slot for OTP verification.

Bandhan Bank UPI Limit per Month/Year

Bandhan Bank follows the National Payments Corporation of India (NPCI) guidelines for UPI transaction limits, which may vary based on the bank’s policies:

• Daily Transaction Limit : Up to ₹1,00,000 for peer-to-peer (P2P) and peer-to-merchant (P2M) transactions. New users may have a lower limit of ₹5,000 for the first 24 hours.
• Per Transaction Limit : ₹1,00,000 for most transactions. For specific categories like capital markets, insurance, and collections, the limit is ₹2,00,000, and for IPOs or educational/healthcare payments, it can go up to ₹5,00,000.
• Monthly/Yearly Limit : Bandhan Bank does not explicitly specify a monthly or yearly cap in public sources, but some banks set monthly limits (e.g., ₹30,00,000 for IDFC Bank). Check with Bandhan Bank for specific monthly limits, as they may vary.
• Transaction Frequency : Typically, up to 20 transactions per day for bank UPI apps and 10 for third-party apps like BHIM.

Note : Limits may differ based on account type or bank policies. Contact Bandhan Bank for precise details.

How to Increase Bandhan Bank UPI Limit?

To increase your UPI transaction limit with Bandhan Bank, follow these steps:

1. Contact Bandhan Bank : Reach out to the bank through customer care, a branch visit, or the mBandhan app to request a limit increase. Higher limits may be available for specific transactions (e.g., education or healthcare payments up to ₹5,00,000).
2. Provide Necessary Details : Submit your account details, KYC information, and a valid reason for the limit increase (e.g., high-value transactions for business or investments).
3. Verification Process : The bank may verify your account activity, KYC status, and eligibility before approving the request.
4. Use Third-Party Apps : If Bandhan Bank’s default limit is restrictive, you can link your Bandhan Bank account to third-party UPI apps like Google Pay or PhonePe, which may offer different limits depending on the app and bank policies.
5. Check for Updates : NPCI occasionally revises UPI limits (e.g., increasing limits for specific sectors). Stay updated through Bandhan Bank’s notifications or NPCI’s website.

Note : Limit increases are subject to Bandhan Bank’s discretion and NPCI guidelines. Ensure your account is fully KYC-compliant for higher limits.

How to Transfer Amount by Using Bandhan Bank UPI?

To send money using Bandhan Bank’s UPI service via the mBandhan app, follow these steps:

1. Open mBandhan App : Log in to the app using your credentials or mPIN.
2. Navigate to UPI : Go to the “Fund Transfer” or “UPI Payments” section.
3. Select Transfer Option : Choose “Pay by UPI ID” or “Scan and Pay” for QR code payments.
4. Enter Details :
   • For UPI ID: Enter the recipient’s VPA (e.g., xyz@bandhan).
   • For QR Code: Scan the recipient’s UPI QR code.
   • Alternatively, use the recipient’s mobile number, account number, and IFSC code.
5. Input Amount and Note : Enter the amount to transfer and add a remark (optional).
6. Select Account : Choose the Bandhan Bank account to debit if you have multiple accounts linked.
7. Authenticate Transaction : Enter your UPI PIN to authorize the payment.
8. Confirm and Submit : Review the transaction details, confirm, and submit. You’ll receive a confirmation SMS and in-app notification upon success.

Note : Ensure the recipient’s VPA or details are correct to avoid transaction failures. If the transaction fails, the amount is usually refunded within 2-3 days.

How to Receive Amount Through Bandhan Bank UPI?

To receive money using Bandhan Bank’s UPI service:

1. Share Your VPA : Provide your Bandhan Bank VPA (e.g., yourname@bandhan) to the sender.
2. Receive Collect Request :
   • If someone sends a collect request, you’ll receive a notification in the mBandhan app.
   • Open the app, go to “UPI Payments,” and select the request under “Pending Requests.”
   • Approve the request by entering your UPI PIN.
3. QR Code Payments : Generate a UPI QR code in the mBandhan app and share it with the sender (e.g., for merchant payments). The sender scans the QR code to transfer money.
4. Check Transaction Status : Once the payment is received, it’s credited instantly to your linked Bandhan Bank account. View the transaction in the “Transaction History” section.

Note : You don’t need to register a beneficiary to receive funds, but ensure your VPA is active and linked to the correct account.

Bandhan Bank UPI Customer Care Number

For any queries, complaints, or issues related to Bandhan Bank’s UPI services, contact:

• Toll-Free Customer Care : 1800-258-8181
• UPI-Specific Helpline : Dial 14440 for UPI-related disputes or queries (NPCI’s toll-free number).
• Email Support : Reach out via the mBandhan app or Bandhan Bank’s official website (www.bandhanbank.com).
• Branch Visit : Visit your nearest Bandhan Bank branch for in-person assistance.