Frequently Asked Questions

1. What is UPI?

UPI is interface to receive, transfer and pay funds .

2. List of Banks who are providing UPI?

Andhra Bank



Bank Of Maharashtra

Bharathiya Mahila Bank

Canara Bank

Catholic Syrian Bank

DCB Bank

Federal Bank


TJSB Sahakari Bank

Oriental Bank Of Commerce

Karnataka Bank

UCO Bank

Union Bank Of India

Punjab National Bank

United Bank Of India

South India Bank

Vijaya Bank

YES Bank


RBL Bank

3. What is prerequisite to use UPI Apps?

Following are prerequisites

Bank Account


Android 4.0 and above

Internet connection

ATM Card with Validity


4. Where do we find Apps to download?

  -Google Play store

Following are the links to download UPI Apps

Karnataka Bank - KBL Smartz is UPI APP of Karnataka Bank.

Punjab National Bank - PNB UPI is UPI App for Punjab National Bank

 Vijaya Bank - Vijaya UPI is UPI App for Vijaya Bank

 5. If I cannot find UPI app for ICICI bank can I install Karnataka Bank UPI to access ICICI bank



Yes. Single UPI app works for all partner banks. For Example ICICI Bank account can be linked to Canara or Karnataka Bank UPI APP with 0 cost.

 6. What is Virtual Address


Virtual Address is a bunch of characters can be your nick name ,email address, organisation name that you prefer followed by @kbl or @can . This address can be shared with the other party to receive funds.

 7. Can I delete Virtual Address


Yes . You can delete Virtual account or free up the virtual address you had registered or used for transaction once.

 8. What is MPIN?


MPIN is mobile internet banking transaction password that would have been given to you at the time of account opening. You can generate one By entering your Debit cards last 6 digit and expiry date. MPIN is usually of 4 character length with value ranging from 0 to 9.

 9. Is Download Upi App safe?


Yes. Transactions are 2 FA authorized. In a layman term 2 rounds of verification would be done for each transaction . For Example Karnataka Bank Smartz a UPI App would request login password and MPIN to transfer money to third party.

10. What is setup procedure of Download Upi App


Although there will be a synonym difference between each apps on a overview procedure is same.

Install KBL Smartz, PNB UPI or Vijaya UPI or any bank UPI from Google Playstore.

Register Full name, DOB,Email ID and mobile Number.

You will be sent a pass code for authentication.

New screen would ask for Virtual Address- Type any- Prefer Email ID text .

Create Password . You will be requested to enter twice.

Setup MPIN by Entering last 6 digit of Debit card and expiry details.

ADD benificiary-Beneficiary can be aadhar number , Mobile number, Virtual Address or normal Bank account number with IFSC code.

Send or receive money.

11. How to pay money through UPI in restaurant?

There are 2 ways to do payment .

1. Share your virtual Address to Cashier. He will generate request to your UPI . You can approve for payment through your UPI.

2. Scan and PAY- Most of the UPI apps provider scan and pay functionality.

 12. What can be beneficiary address?


1. Enter VPA- Virtual Address

2. Or Mobile Number +MMID (7 digit number shared by Bank)

3. Or Bank Account Number +IFSC Code

4. Aadhar Number

 13. Can we have single Virtual Address (VPA) for multiple account?


Yes. One can have single VPA which can be associated with all his bank accounts. There is a selection option to specify default receiver and default sender account.

14. Can I transfer money abroad using Download Upi App?


 No. Transfer feature works only inside India and for Bank accounts associated with UPI.