Canara Bank UPI

Last Updated : July 17, 2025, 3:36 p.m.

Canara Bank's Unified Payments Interface (UPI) service, offered through its Empower app, provides a seamless, secure, and efficient way to perform digital transactions. This article explores the features, registration process, transaction limits, and more to help you make the most of Canara Bank UPI.

Features and Benefits of Canara Bank UPI

Canara Bank’s UPI service, known as the Empower app, offers a range of features designed to simplify banking and enhance user convenience:

• Instant Fund Transfers : Perform real-time fund transfers 24/7, even on weekends and holidays, ensuring quick and convenient transactions.
• Multiple Account Management : Link multiple bank accounts (from Canara Bank or other UPI-enabled banks) to a single UPI ID or Virtual Payment Address (VPA) for easy access.
• Secure Transactions : Transactions are authenticated using a UPI PIN, ensuring high security without the need to share sensitive bank details like account numbers or IFSC codes.
• Request Money : Collect money from others using a simple request feature, a unique functionality not available in traditional fund transfer methods.
• QR Code Payments : Pay merchants or individuals instantly by scanning QR codes, ideal for quick transactions at stores or online.
• Multilingual Support : The Empower app supports English and Hindi, making it accessible to a broader audience.
• Bill Payments and Recharges : Settle utility bills, recharge mobile phones, or pay for services effortlessly through the app.
• No Beneficiary Registration : Transfer funds without adding beneficiaries or waiting for a cooling-off period, unlike NEFT/RTGS/IMPS.
• UPI Lite : For low-value transactions (up to ₹1,000), UPI Lite allows payments using an on-device wallet without requiring a UPI PIN, simplifying small transactions.

These features make Canara Bank UPI a versatile and user-friendly platform for both peer-to-peer (P2P) and peer-to-merchant (P2M) transactions.

How to Register Canara Bank UPI App?

Registering for Canara Bank’s UPI service via the Empower app is straightforward. Follow these steps:

1. Download the App : Download the Canara Bank Empower app from the Google Play Store (for Android) or Apple Store (for iOS).
2. Select Language : Open the app and choose your preferred language (English or Hindi).
3. Enter Mobile Number : Provide the mobile number linked to your Canara Bank account (or another UPI-enabled bank account). The app will verify the number via SMS.
4. Create UPI ID : Set a unique Virtual Payment Address (VPA) or UPI ID (e.g., yourname@canara) to identify your account for transactions.
5. Set UPI PIN : Create a 4-6 digit UPI PIN for transaction authentication. You can set it using:
   • Debit card details (last 6 digits and expiry date).
   • Aadhaar OTP for faster verification.
6. Link Bank Account : Select your bank account(s) to link with the UPI ID. For dual-SIM phones, choose the SIM linked to the registered mobile number.
7. Complete Registration : Once verified, your UPI account is ready for transactions.

Note : Ensure your mobile number is updated with the bank. If you change your handset or SIM, re-registration may be required.

Canara Bank UPI Limit per Month/Year

As of 2025, Canara Bank’s UPI transaction limits are as follows:

• Daily Limit : ₹1,00,000 per day for peer-to-peer (P2P) transactions, with a maximum of 20 transactions per day.
• New User Limit : For new users, the limit is ₹5,000 for the first 24 hours (Android) or ₹15,000 for the first 72 hours (iOS, with a max of ₹5,000 per 24 hours).
• UPI Lite Limit : ₹1,000 per transaction and a total balance of ₹5,000 at any time.
• Specific Transactions : Higher limits apply for certain categories:
  • ₹2,00,000 for capital markets, insurance, collections, and foreign inward remittances.
  • ₹5,00,000 for tax payments, Initial Public Offerings (IPOs), and RBI Retail Direct Scheme.
• Monthly/Yearly Limit : Canara Bank does not impose a specific monthly or yearly UPI transaction limit, but the daily limit of ₹1,00,000 and 20 transactions applies. Check with the bank for any updates, as limits may vary.

How to Increase Canara Bank UPI Limit?

Canara Bank’s UPI limits are set by the National Payments Corporation of India (NPCI) and the bank’s policies. To increase the UPI limit:

1. Contact the Bank : Visit a Canara Bank branch or contact customer care to inquire about increasing your transaction limit. Higher limits may be available for specific purposes (e.g., tax payments or IPOs).
2. Verify Eligibility : The bank may require additional verification, such as KYC updates or account status checks, to approve a limit increase.
3. Check for Updates : Limits are subject to change based on NPCI or RBI guidelines. Regularly check the bank’s website (www.canarabank.com) for updates.
4. Use Alternative Methods : For transactions exceeding UPI limits, consider using IMPS (up to ₹5,00,000) or NEFT/RTGS through Canara Bank’s mobile or internet banking.

Note : Limit increases are at the bank’s discretion and may not be guaranteed.

How to Send Money Using Canara Bank UPI?

To send money using the Canara Bank Empower app, follow these steps:

1. Open the App : Log in to the Empower app using your passcode or biometric authentication.
2. Select Send Money :
   • Via UPI ID : Choose “Send Money to any UPI App,” enter the beneficiary’s UPI ID, and verify it.
   • Via Mobile Number : Select “Pay to Contacts/Mobile Numbers,” enter the recipient’s mobile number, and verify.
   • Via QR Code : Scan the recipient’s QR code using the app’s scan feature.
3. Enter Amount : Input the transaction amount and add a remark (optional).
4. Confirm Transaction : Select the debit account, enter your UPI PIN, and click “Confirm.”
5. Verify Completion : Check the transaction status. A 12-digit reference number is generated for tracking.

Example : To send ₹5,000 to a friend, enter their UPI ID (e.g., friend@upi), verify, input ₹5,000, enter your UPI PIN, and confirm.

How to Receive Amount Through Canara Bank UPI?

To receive money using Canara Bank UPI:

1. Share UPI ID : Provide your UPI ID (e.g., yourname@canara) to the payer.
2. Request Money :
   • Open the Empower app and select “Request Money.”
   • Click “Add New,” enter the payer’s UPI ID, and verify.
   • Enter the amount, validity period, and a nickname (optional), then click “Request.”
   • Confirm with your UPI PIN.
3. Receive Funds : Once the payer approves the request and enters their UPI PIN, the amount is credited to your linked account.
4. QR Code : Alternatively, share your QR code for the payer to scan and send money.

Note : Ensure your UPI ID is linked to the correct bank account set as primary in the app.

Canara Bank UPI Customer Care Number

For assistance with Canara Bank UPI services, contact:

• Toll-Free Number : 1800 1030
• Branch Visit : Visit the nearest Canara Bank branch for in-person assistance.

For transaction disputes or technical issues, provide details like the 12-digit UPI reference number for faster resolution.