YES Bank UPI

Last Updated : July 15, 2025, 5:55 p.m.

The YES Bank UPI App, integrated into the BHIM YES PAY platform, offers a seamless and secure way to perform financial transactions using your smartphone. Powered by the Unified Payments Interface (UPI) system developed by the National Payments Corporation of India (NPCI), this app enables instant money transfers, bill payments, recharges, and more, without the need for traditional banking details like account numbers or IFSC codes. This article explores the key features, registration process, transaction limits, and other essential details of the YES Bank UPI App.

Benefits of YES Bank UPI App

The YES Bank UPI App provides numerous advantages, making it a convenient and efficient tool for managing financial transactions:

• Instant Fund Transfers : Transfer money in real-time to any bank account or UPI ID, 24/7, even on holidays, without visiting a bank branch.
• No Transaction Charges : YES Bank UPI services are currently free, with no fees for subscribing or transferring funds.
• Versatile Functionality : Beyond payments, the app supports bill splitting, mobile/DTH recharges, online shopping, and managing YES Bank credit cards.
• Reward Points : Earn reward points on select transactions, redeemable for shopping or other services within the app.
• Prepaid Wallet and Virtual Card : Register for a prepaid wallet using your Aadhaar number or YES Bank Customer ID and get a free virtual card for e-commerce transactions.
• Location-Based Deals : Access deals at nearby outlets for categories like personal care and dining.
• Secure Transactions : Backed by the Reserve Bank of India (RBI), the app uses strong encryption and a UPI PIN for secure payments.
• Transaction History : Easily view past and pending transactions directly in the app.

How to Register YES Bank UPI App?

Registering for the YES Bank UPI App (BHIM YES PAY) is straightforward. Follow these steps:

1. Download the App : Install the BHIM YES PAY app from the Google Play Store or Apple App Store.
2. Grant Permissions : Allow necessary permissions, such as access to contacts and SMS, for smooth functionality.
3. Register : Open the app and click "Register." Enter the mobile number linked to your bank account.
   • If you’re a YES Bank customer, select "Register with YES Bank."
   • Non-YES Bank customers can select "Continue."
4. Verify OTP : Enter the One-Time Password (OTP) sent to your registered mobile number.
5. Enter Details : Provide your name, email, date of birth, and gender as prompted.
6. Link Bank Account : Select your bank (YES Bank or another UPI-enabled bank), link your account, and set a 6-digit UPI PIN.
7. Create UPI ID : After setting the PIN, your unique UPI ID (e.g., yourname@yesbank) is generated, ready for transactions.

YES Bank UPI App Transaction Limit Per Month / Per Year

The YES Bank UPI App adheres to NPCI guidelines for transaction limits:

• Per Transaction Limit : Up to ₹1,00,000 per transaction.
• Daily Limit : A maximum of ₹1,00,000 can be transferred in a day.
• Monthly/Yearly Limit : YES Bank does not explicitly impose a monthly or yearly limit, but the daily limit of ₹1,00,000 applies consistently.
• New User Limit : For new UPI users or those who have changed their device/SIM, the transaction limit is ₹5,000 for the first 24 hours (72 hours for iOS users).

Always check with YES Bank for any updates to these limits, as they may vary based on bank policies or NPCI regulations.

How to Increase YES Bank UPI App Limit?

The default UPI transaction limit is set by NPCI and YES Bank at ₹1,00,000 per day. To increase this limit (e.g., for high-value merchant payments), follow these steps:

1. Contact YES Bank : Reach out to YES Bank customer care (1800 1200) or visit a branch to inquire about increasing the limit. Some merchant categories (P2M transactions) may allow higher limits.
2. Verify KYC : Ensure your Know Your Customer (KYC) details are updated, as incomplete KYC may restrict higher limits.
3. Check NPCI Guidelines : NPCI occasionally revises limits for specific merchant categories (e.g., P2M payments). Confirm with YES Bank if your transaction qualifies.

Monitor Account Status : Ensure your account maintains the minimum balance and has no compliance violations, as these can restrict limits.

The default UPI transaction limit is set by NPCI and YES Bank at ₹1,00,000 per day. To increase this limit (e.g., for high-value merchant payments), follow these steps:

1. Contact YES Bank : Reach out to YES Bank customer care (1800 1200) or visit a branch to inquire about increasing the limit. Some merchant categories (P2M transactions) may allow higher limits.
2. Verify KYC : Ensure your Know Your Customer (KYC) details are updated, as incomplete KYC may restrict higher limits.
3. Check NPCI Guidelines : NPCI occasionally revises limits for specific merchant categories (e.g., P2M payments). Confirm with YES Bank if your transaction qualifies.
4. Monitor Account Status : Ensure your account maintains the minimum balance and has no compliance violations, as these can restrict limits.

How to Transfer Money Through YES Bank UPI?

To send money using the YES Bank UPI App:

1. Open the App : Launch BHIM YES PAY and log in using your UPI PIN or app credentials.
2. Select UPI Option : Navigate to the UPI section and choose "Pay" or "Send Money."
3. Enter Recipient Details :
   • Input the recipient’s UPI ID (e.g., recipient@upi).
   • Alternatively, use their mobile number, account number + IFSC, or scan a QR code.
4. Enter Amount and Remarks : Specify the amount and add an optional note (e.g., "For dinner").
5. Authenticate : Enter your 6-digit UPI PIN to authorize the transaction.
6. Confirm : Review the details and submit. The funds are transferred instantly, and you’ll receive a confirmation.

How to Receive Amount Through YES Bank UPI?

To receive money using the YES Bank UPI App:

1. Share UPI ID : Provide your UPI ID (e.g., yourname@yesbank) to the sender.
2. Collect Request :
   • Open the BHIM YES PAY app and select "Collect Request" from the UPI section.
   • Enter the payer’s UPI ID, amount, and remarks.
   • Submit the request. The payer will receive a notification to approve the transaction.
3. Receive Funds : Once the payer authorizes the request with their UPI PIN, the money is credited to your linked bank account instantly.
4. Check Transaction History : View the transaction under the "Transaction History" tab to confirm receipt.

YES Bank UPI App Customer Care Number

For queries or issues related to YES Bank UPI transactions, contact:

• Toll-Free Number : 1800 1200
• Alternative Contact : Reach out via the YES Bank website (www.yesbank.in) or visit a branch for in-person assistance.

Keep details like the UPI Transaction ID, date, time, amount, and recipient details handy when contacting support for faster resolution.