Bank of India UPI – Setup, Use & Features (2026 Guide)
Bank of India (BOI) UPI lets you send and receive money instantly using your mobile phone. It works 24×7 and is linked directly to your BOI bank account.
Quick Summary
- Service: BOI UPI (Unified Payments Interface)
- App used: BOI UPI App / BHIM / other UPI apps
- Requirement: BOI account + registered mobile number
- Availability: 24×7, including holidays
What Is Bank of India UPI?
Bank of India UPI is a digital payment service that allows you to:
- Send money instantly
- Receive payments
- Pay bills and merchants
- Scan QR codes
You don’t need to remember account number or IFSC—UPI ID is enough.
How to Activate BOI UPI (Step-by-Step)
Method 1: Using BOI UPI App
- Download BOI UPI App from Play Store/App Store
- Open the app and verify your registered mobile number
- Select your Bank of India account
- Create a UPI ID (VPA)
- Set your UPI PIN using debit card details
Your BOI UPI is now active.
Method 2: Using Other UPI Apps
You can also use:
- BHIM
- Google Pay
- PhonePe
- Paytm
Steps are similar—just select Bank of India while adding bank account.
BOI UPI ID Format
Your UPI ID may look like:
mobilenumber@boiname@boi
(The exact format depends on the app.)
BOI UPI Transaction Limits
- Per transaction limit: Usually up to ₹1 lakh
- Daily limit: As per BOI/UPI guidelines
Limits may vary by account type.
Common BOI UPI Services
- Person-to-person (P2P) transfers
- Merchant payments
- Bill payments
- Balance enquiry
- Collect / request money
Common Problems & Solutions
UPI not working?
- Ensure mobile number is registered with BOI
- Check internet connection
- Re-set UPI PIN if needed
UPI PIN forgotten?
- Use “Forgot UPI PIN” option in the app
- Reset using debit card details
Security Tips
- Never share your UPI PIN
- Use official apps only
- Avoid clicking unknown payment links
- Enable app lock on your phone
FAQs
Q. Is BOI UPI free?
A. Yes, UPI transactions are usually free for customers.
Q. Can I use BOI UPI without BOI app?
A. Yes, you can use any third-party UPI app.
Q. Is BOI UPI available 24×7?
A. Yes.
Conclusion
Bank of India UPI is a fast, safe, and convenient way to make digital payments directly from your BOI account. With simple setup and 24×7 availability, it’s one of the easiest ways to manage everyday transactions without cash or cards.
