Ab aap 11 countries mein UPI use kar sakte hain, lekin dhyan rahe ki ye domestic jitna cheap nahi hai. Currency conversion ke naam par **1.5%** se **3.5%** tak charge lag sakta hai aur **2%** ka TCS alag se padega.
UPI ka Global safar, par jeb par asar
Ab aap UAE, Singapore, France, aur Greece jaise 11 desh mein aaram se UPI scan kar sakte hain. Sunne mein toh ye bada cool lagta hai, lekin international UPI domestic jaisa bilkul nahi hai. International transactions par banks aur apps 1.5% se lekar 3.5% tak ka currency conversion markup lete hain. Agar aap hotel ya luxury shopping ka bill scan karenge, toh aapka kharcha kaafi badh sakta hai.
Kuch zaroori rules aur limits
- Activation Zaroori hai: Trip par jaane se pehle Google Pay ya PhonePe mein 'UPI International' feature manually on karna padega. Ye sirf 90 days ke liye valid hota hai.
- Transaction Limit: Ek baar mein aap max ₹1 Lakh tak ka transaction kar sakte hain, lekin banks apni limit alag se set kar sakte hain.
- Tax ka Chakkar: Overseas tour packages par 2% ka TCS (Tax Collected at Source) lagta hai, toh apna budget usi hisaab se plan karein.
Experts ki kya salah hai?
Sirf phone par depend hona risky ho sakta hai. Settlement delays ki wajah se payment fail hone ke chances hote hain. Financial experts suggest karte hain ki travel ke liye Forex card ya Credit card ko primary rakhein aur UPI ko sirf emergency ya chote-mote kharchon ke liye use karein. Ek pro-tip: trip se wapas aakar turant international UPI feature ko off kar dein taaki security bani rahe.