South Indian Bank UPI Setup and Usage Guide
South Indian Bank UPI Setup: Step-by-Step Guide
You can set up UPI for your South Indian Bank account through the SIB Mirror+ app in under 5 minutes. SIB also supports third-party UPI apps like Google Pay, PhonePe, and BHIM linked to your SIB account.
Set Up UPI on SIB Mirror+
- Download and open the SIB Mirror+ app.
- Log in with your MPIN.
- Tap UPI on the home screen.
- Tap Create UPI ID and select your linked SIB account.
- Verify your debit card details to authenticate.
- Set a 4- or 6-digit UPI PIN.
- Your UPI ID (usually your mobile number@sib) is now active.
Link SIB Account to Google Pay or PhonePe
- Open Google Pay or PhonePe and go to Bank Accounts or Payment Methods.
- Tap Add Bank Account and select South Indian Bank.
- The app will auto-fetch your registered mobile number and detect the SIB account.
- Set your UPI PIN using your SIB debit card details.
UPI Transaction Limits at SIB
- Per transaction limit: Rs. 1 lakh (as per NPCI guidelines)
- Daily limit: Up to Rs. 1 lakh (may vary by app)
- Merchant payments: Higher limits may apply for specific categories like education or healthcare
How to Reset Your SIB UPI PIN
- Open SIB Mirror+ and go to UPI.
- Tap Forgot UPI PIN.
- Enter your debit card last 6 digits and expiry date.
- Verify with OTP and set a new UPI PIN.
FAQ
Can I have multiple UPI IDs linked to my SIB account?
Yes. You can create one UPI ID per app. So your SIB account can have a SIB Mirror+ UPI ID, a Google Pay UPI ID, and a PhonePe UPI ID simultaneously.
Is UPI free for South Indian Bank customers?
Yes. NPCI and RBI guidelines make UPI transactions free for customers. SIB does not charge for UPI payments.
What should I do if my SIB UPI payment fails but money is debited?
Wait 24 to 48 hours for auto-reversal. If the amount is not credited back, raise a complaint through SIB Mirror+ under Help and Support or call SIB customer care at 1800 425 1809.
Key Takeaways
- UPI setup on SIB Mirror+ takes under 5 minutes with your debit card details.
- Third-party apps like Google Pay and PhonePe also work with SIB accounts.
- The per-transaction UPI limit is Rs. 1 lakh as per NPCI guidelines.
- UPI transactions are free for SIB customers.
