IDBI Bank UPI

Last Updated : July 18, 2025, 3:55 p.m.

Unified Payments Interface (UPI) has revolutionized digital payments in India, offering a seamless, secure, and instant way to transfer money. IDBI Bank’s UPI service, accessible through its “PayWiz” and “GO Mobile+” apps, enables customers to perform a wide range of transactions with ease. This article provides a detailed overview of the IDBI Bank UPI app, covering its benefits, registration process, transaction limits, and more.

Benefits of IDBI Bank UPI App

The IDBI Bank UPI app, primarily offered through PayWiz and GO Mobile+, provides numerous advantages for users:

• Instant Transactions : UPI enables real-time money transfers, available 24/7, including weekends and public holidays, ensuring quick payments anytime.
• Secure Platform : Adheres to the Reserve Bank of India’s (RBI) two-factor authentication guidelines, requiring a UPI PIN and app login passcode, enhancing security.
• User-Friendly Interface : The GO Mobile+ app offers an intuitive interface, allowing users to check balances, manage bills, and transfer funds with minimal effort.
• Multiple Account Linking : Users can link accounts from IDBI Bank and other UPI-supported banks to a single app, simplifying account management.
• Versatile Payments : Supports person-to-person (P2P) transfers, person-to-merchant (P2M) payments, bill payments, and QR code-based transactions.
• No Need for Beneficiary Registration : Funds can be transferred using a Virtual Payment Address (VPA), mobile number, or account details without adding beneficiaries.
• Control and Flexibility : Users can personalize their app experience, set transaction preferences, and manage debit card limits directly from the app.

How to Register IDBI Bank UPI App?

Registering for the IDBI Bank UPI app is straightforward. Follow these steps to set up PayWiz or GO Mobile+:

1. Download the App :
   • Download the “IDBI Bank GO Mobile+” or “PayWiz” app from the Google Play Store or Apple App Store.
   • Ensure your mobile number is registered with IDBI Bank for the account you wish to link.
2. Sign Up :
   • Open the app and select your preferred language (currently English, with Hindi support planned). Press “Sign Up.”
   • For dual-SIM phones, choose the registered mobile number linked to your bank account. The app sends an SMS for verification.
3. Authenticate and Set UPI PIN :
   • Authenticate using your debit card details (last 6 digits and expiry date) or Internet Banking credentials.
   • Set a 6-digit UPI PIN for transactions. This PIN is unique to the UPI app and different from your ATM PIN.
4. Link Bank Account :
   • Select your IDBI Bank account or accounts from other UPI-supported banks to link with the app.
   • Create a Virtual Payment Address (VPA), e.g., yourname@idbi, to use for transactions.
5. Activate the App :
   • Complete the activation by entering the OTP sent to your registered mobile number. Set a personalized MPIN for app access.

Note : If you’re not registered for mobile banking, visit an IDBI Bank branch, ATM, or use Internet Banking to register before activating the app.

IDBI Bank UPI App Limit per Month / per Year

The transaction limits for IDBI Bank UPI are governed by both the National Payments Corporation of India (NPCI) and bank-specific policies:

• Daily Limits :
  • Self-Account Transfers : Up to ₹5,00,000 per day.
  • Other Transactions (P2P, P2M, NEFT, IMPS, bill payments, etc.): Cumulative limit of ₹50,000 per day.
  • General UPI Limit : NPCI sets a maximum of ₹1,00,000 per day for P2P and P2M transactions, which applies unless the bank imposes a lower limit.
  • New Users : Limited to ₹5,000 for the first 24 hours after registration.
• Monthly/Yearly Limits :
  • IDBI Bank does not explicitly define a monthly or yearly UPI transaction limit in the provided information. However, some banks, like IDFC, set monthly caps (e.g., ₹30,00,000). IDBI Bank’s limits may align with NPCI’s daily cap of ₹1,00,000, extended over a month, but users should confirm with the bank for specifics.
• Special Transactions :
  • For specific categories like IPOs or retail direct schemes, the limit is ₹5,00,000 per transaction. For verified merchants (e.g., capital markets, insurance), the limit is ₹2,00,000 per transaction.
• Frequency : Up to 20 transactions per day across all UPI apps, with third-party apps like BHIM limited to 10 transactions daily.

How to Increase IDBI Bank UPI Limit?

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

1. Check KYC Status :
   • Ensure your KYC is fully updated, as higher limits often require complete KYC verification.
2. Contact Customer Care :
   • Call IDBI Bank’s toll-free numbers (1800-209-4324, 1800-200-1947, or 1800-22-1070) or chargeable number (022-67719100) to inquire about limit enhancement.
3. Visit a Branch :
   • Visit the nearest IDBI Bank branch with valid ID proof and request a limit increase. Provide account details and any required documentation.
4. Use Net Banking or App :
   • Log in to IDBI Bank’s Net Banking or GO Mobile+ app and check the UPI section for options to modify limits. Some enhancements may require bank approval.
   • Note: An option to set personalized mobile banking limits within the bank’s approved range is planned for future app upgrades.

Important : Limit increases are subject to bank policies and NPCI guidelines. Confirm eligibility with IDBI Bank.

How to Send Money Through IDBI Bank UPI App?

To send money using the IDBI Bank UPI app (PayWiz or GO Mobile+):

1. Log In :
   • Open the app and log in using your MPIN or biometric authentication.
2. Select Payment Option :
   • Choose “Send Money” or “Pay” from the app’s home screen.
3. Enter Beneficiary Details :
   • Input the recipient’s VPA (e.g., xyz@idbi), mobile number, or account number with IFSC code. Alternatively, scan a QR code for merchant or P2P payments.
4. Enter Amount and Remarks :
   • Specify the amount to transfer and add optional remarks for reference.
5. Choose Account :
   • Select the linked bank account from which to debit the funds. Review the account details carefully.
6. Authenticate :
   • Enter your 6-digit UPI PIN to authorize the transaction. Funds are transferred instantly, and you’ll receive an SMS confirmation.

Note : If the transaction fails, check for issues like incorrect UPI PIN, insufficient balance, or exceeding daily limits. Failed transactions are typically reversed within 24-48 hours.

How to Receive Money by Using IDBI Bank UPI App?

To receive money through the IDBI Bank UPI app:

1. Share Your VPA or QR Code :
   • Provide your VPA (e.g., yourname@idbi) or generate a QR code from the app to share with the payer.
2. Request Money :
   • Open the app and select “Request Money.”
   • Choose the payer’s VPA from your contacts or enter it manually.
   • Enter the amount and remarks, and select the VPA or account to credit.
   • Confirm the request. The payer will receive a notification to approve or decline.
3. Respond to Collect Requests :
   • If someone sends you a collect request, you’ll receive a notification.
   • Verify the requester’s details, select the account to debit, and authorize with your UPI PIN. You can also decline the request if needed.
4. Confirmation :
   • Once approved, funds are credited instantly, and you’ll receive an SMS notification.

Note : Ensure your VPA is linked to the correct account. For non-UPI users, provide account details or use Aadhaar-based payments if applicable.

IDBI Bank UPI App Customer Care Number

For assistance with IDBI Bank UPI services, contact:

• Toll-Free Numbers : 1800-209-4324

You can also visit the nearest IDBI Bank branch for in-person support or raise disputes via the “Raise Dispute” option in the PayWiz app under “Other Services.”