Unified Payments Interface (UPI)

Frequently Asked Questions

Unified Payments Interface (UPI) is an instant payments system developed by NPCI. It lets you make bank account-to-account transfers instantly with a single identifier ‘Virtual Payment address’. And you needn’t enter any additional bank account information.

With UPI on the digibank app, there’s a lot you can do! You can make and receive payments using your Virtual Payment Address (VPA) instead of the account number. You can also use your digibank app to manage all your bank accounts held with other banks with UPI. This means that all you need for your daily banking needs is the digibank app! How cool is that?

Like IMPS, UPI is also available 24x7 including Sundays and public/bank holidays. In the case of UPI, you needn’t remember any bank account information. You simply need the other individual or merchant’s Virtual Payment Address (VPA).

Virtual Payment Address (VPA) is an identifier that takes a form of abc@dbs where "abc" is a unique name that you can choose for yourself. @dbs is the handle that identifies the digibank app. This VPA is uniquely mapped to your bank account. Using the digibank app, you can create any number of virtual addresses linked to various bank accounts that you may hold.

Simply follow these steps to create your Virtual Payment Address (VPA) for your digibank account on the app.
  • Click on the ‘Register for UPI’ button
  • Select the identifier you want e.g. your name (we’ll even make a few suggestions)
  • Simply click on ‘Go’ and voila, you’re done!

Note: For the successful creation of VPA for your digibank account, please ensure that you use mobile data instead of Wi-Fi, of the registered mobile number used at the time of onboarding.

Sure you can! You can add your account with any bank live on UPI using the digibank app. Just follow these steps.
  • Click on ‘Manage Accounts’ on the dashboard
  • Select ‘Link New A/c’
  • Select your bank where your account is held from the list of banks
  • All accounts linked to your mobile number will be displayed (with only the last 4 digits showing)
  • Select the account you wish to add
  • Set your VPA & confirm

To register your mobile number, there will be an SMS sent from your mobile number to digibank. Don’t worry, you won’t need to type out any SMS – you will simply need to grant us permission to send an SMS from your mobile number to digibank! The charges applicable for the registration SMS will be as per your tariff plan with the telecom service provider.

Sorry, that’s not possible. With the digibank app, you can link a VPA to a single account.

Yes of course! All you need is funds in your account and your UPI PIN. And your all set to transfer from your linked account to another VPA or account number and IFSC code.

It’s all really simple on digibank! Here are some steps for you to follow
  • Click on ‘UPI Linked accounts’ on the dashboard
  • Click on the account for which you wish to set the UPI PIN
  • If this is the first time, you will see ‘Set UPI PIN’ on the screen. If you have set the UPI PIN earlier, click on Manage and then Reset UPI PIN
  • You will be asked to enter the last 6 digits of your debit card and the expiry date
  • On clicking Receive OTP, you will receive an OTP from the bank where your account is held
  • Enter the OTP and select your UPI PIN and you’re done!

Your digibank app can be used to manage all your bank accounts. Simply follow these steps.
  • Click on ‘Transfer’ on the home screen
  • Enter the VPA to which you wish to transfer funds
  • Select the debit account
  • Enter the amount & confirm the transaction
  • Once you confirm, you will be asked to enter the UPI PIN for the bank account you wish to use
  • You will see the transaction success notification on the app screen

To check the balance in your non-DBS bank account, simple follow these steps.
  • Log in to digibank
  • Click on 'UPI Linked accounts' on the dashboard
  • Click on 'Check Balance' under the acount for which you want to check the balane and then key in your UPI PIN
  • You will be able to see the balance in your account on the screen

Adding money to your digibank savings account using UPI is quick and easy. Here’s what you need to do.
  • Click on ‘Add Money’ on the home screen
  • Click on 'Pull Money' from your other Bank accounts (Via UPI)
  • Select the VPA using which you wish to fund the account (You may need to add a new VPA for this)
  • Enter the amount you wish to fund
  • Enter the UPI PIN for the account
  • Voila! The funds are in your account!

With UPI, you can make payments up to INR 1 lakh, so long as you have funds in your account.

Nope. UPI transactions are completely FREE for those who are on digibank. So what are you waiting for? Try out the cool new way to pay.

Currently, UPI enables you to transfer money from one bank account to another bank account. Wallets are currently not participating in UPI.

We’re sorry! UPI is available only for customers with a digibank savings account. So what are you waiting for – upgrade today and start using UPI!

300%. UPI is one of the safest modes to pay as your account number is secure and only your VPA is shared. Additionally, all payments made through the digibank application using your digibank account are authenticated, first through your app log in and then by an in-built soft token on your device. For payments made through non-DBS accounts, you also enter the UPI PIN to authorise any transaction. So, it’s thrice as safe.

To make payments, simply enable payments by UPI autopay from the payment settings of the merchant App/website.

To Create a Mandate

  • Go to the Merchant App’s/Web Payments page
  • Select “Pay By UPI” (Make sure that you select the UPI Id linked to your DBS Bank Account or which ends with @dbs, and is enabled for UPI Autopay)
  • Enter mandate (select the Auto renew option)
  • Accept Payee Initiated Mandates
  • A notification will be sent to your Autopay enabled UPI app
  • Click on the notification. Under mandates you will be able to see the request from your merchant app
  • Approve and your UPI auto-payment is set

OR

  • Go to your digibank app
  • Scan the mandate QR & approve

To Accept Payer Initiated Mandates

  • A notification will be sent to your Autopay enabled UPI merchant
  • Post approval by merchant UPI auto-payment will be enabled

Autopay can be used for all your recurring transactions with value less than INR 5000.

For values above INR 5000, a UPI PIN approval prompt will be sent to the user to approve the transaction every time.

No, there will be no extra fees/charges levied by third party platforms/banks.

Yes, UPI Auto payments are regulated by the National Payments Corporation of India (NPCI).

Yes, you can discontinue the UPI Autopay service, anytime you wish to.

Simply disable “Autopay” from the settings, on the respective platform/app where it was enabled or delete the mandate from the UPI app in which it was created.