Here are popular apps that allow full use of UPI in Bank of India:
| App Name | Key Features |
| BOI Mobile | UPI, mini statement, balance check |
| BHIM | QR code payments, multiple bank linking |
| Google Pay | Pay contacts, bills, get rewards |
| PhonePe | Bank transfer, bill payments, recharges |
| Paytm | Wallet + UPI, postpaid options |
Transaction Limits & Charges
Before you start using UPI in Bank of India regularly, it’s important to understand the transaction limits and any potential charges that may apply. Knowing these limits helps you plan your transfers effectively and avoid failed transactions. Different banks and apps may have slightly varying thresholds, so being informed ensures smooth and uninterrupted usage with UPI in Bank of India.
In this section, we’ll explore the maximum amount you can send per transaction and per day using UPI in Bank of India, along with any service fees that may be applicable depending on your usage type.
UPI Limitations in BOI:
- Single Transaction Limit: Bank of India allows users to send up to ₹1,00,000 in a single UPI transaction. This cap ensures enhanced security and control over high-value transfers, especially for individual users.. This limit ensures the safety and control of high-value digital transfers.
- Daily Cap: The cumulative daily limit for UPI transactions in Bank of India is generally ₹1,00,000. However, it may vary based on the app used and specific customer profiles or risk categorizations set by the bank.. However, this may vary slightly depending on the UPI app being used and BOI’s internal banking policies.
- Max Transactions/Day: Generally, customers can perform up to 10 to 20 transactions in a single day via UPI. This is set to prevent misuse and manage transaction loads efficiently.
Are There Any Charges?
- Customers: Retail customers can usually enjoy UPI transactions at no cost. Whether sending money, receiving payments, or paying bills, there are typically no additional fees imposed for personal banking usage.. You can send and receive money, pay bills, and make purchases without any service fees in most cases.
- Merchants: While customers typically pay no fee, business or merchant accounts may be subject to nominal charges for receiving UPI payments, especially at high transaction volumes or if integrated with a payment gateway.
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See official fee structure here
Troubleshooting UPI Issues
Although UPI in Bank of India is widely recognized for its speed and convenience, users may occasionally face hiccups that interrupt their transaction flow. These problems may arise due to network issues, outdated app versions, incorrect configurations, or mobile device settings. For first-time users or even regular users, such interruptions can be frustrating—but the good news is that most of them have quick fixes.
This section aims to provide clarity and confidence to users by identifying the most commonly encountered issues when using UPI in Bank of India. Whether it’s trouble linking your account, resetting your UPI PIN, or understanding why a payment failed, you’ll find clear guidance here to help you troubleshoot and continue enjoying seamless digital payments with UPI in Bank of India.
Common Problems While Using UPI
Let’s explore frequent issues users face while using UPI in Bank of India. If you’re encountering difficulties with UPI in Bank of India, don’t worry—most problems stem from simple technical errors, app misconfigurations, or minor user-side mistakes. Thankfully, these can often be resolved swiftly with just a few straightforward steps.
UPI Not Working
- Upi Bank In India Double-check that your mobile number registered with your Bank of India account is active, inserted in the primary SIM slot, and has sufficient network coverage.
- Make sure the app has necessary permissions, especially for SMS and call logs, to verify your account and process UPI transactions.
- Restart your phone and reopen the app to refresh session data.
Forgot UPI PIN?
- Open the UPI app you’re using and select the “Reset UPI PIN” option under your linked bank account.
- Enter the final six digits of your BOI debit card along with its expiration date to authenticate your account and proceed with UPI setup.
- Create a new secure UPI PIN and confirm it.
Transaction Failed or Delayed
- Sometimes, network congestion or server errors can delay transactions. In most cases, the amount is auto-refunded within 48 hours.
- If the issue persists beyond this period, contact BOI’s customer care at 1800 220 229 or check the app’s complaint section.
Can’t Link BOI Account?
- Ensure that your mobile number is linked with your BOI account and mobile banking is enabled.
- Insert the BOI-registered SIM card into the primary SIM slot (SIM 1) of your dual SIM phone to ensure proper detection by the UPI app.
- Try uninstalling and reinstalling the app if the issue continues.
Security Tips
Digital transactions through UPI in Bank of India offer convenience and speed, but they also demand responsibility. Protecting your financial data is critical when using online platforms like UPI in Bank of India. Cyber threats such as phishing, fraud calls, and app-based scams are real, and users must stay vigilant to avoid falling victim.
To ensure a safe and worry-free UPI in Bank of India experience, it’s important to follow some basic safety practices that protect you from digital fraud and identity theft. Below are key recommendations to help you keep your transactions and financial information secure at all times:
