🇬🇧 Does Indian Sim, UPI, OTP, Mobile Banking Work In UK? 🤔

Summary

This video provides a comprehensive guide on using an Indian SIM card in the UK, addressing common concerns such as OTP reception, UPI payments, and banking. The speaker shares their personal experience of how an Indian SIM works in the UK with international recharges and discusses the challenges faced while performing UPI transactions and managing finances. They highlight the importance of mobile and net banking for handling payments and transfers. The video offers practical advice for students and professionals living abroad, emphasizing the need to keep the Indian SIM active for banking and OTP-related activities.

Takeaways

• 😀 Your Indian SIM card will work in the UK, but you need an international recharge to use internet and make calls.
• 📱 Always ensure your Indian SIM is recharged to avoid deactivation if staying in the UK for a long time.
• 🔐 Indian SIMs are necessary for receiving OTPs (One-Time Passwords) for transactions and banking in India.
• 💳 UPI payments in the UK are tricky now, and your Indian SIM needs to be inserted to process OTPs for apps like Paytm and BHIM.
• 📶 Ensure you keep your Indian SIM active for essential banking activities like transferring funds or making payments.
• 💡 Set up mobile banking before leaving India to avoid complications in the UK, as many transactions require OTPs.
• 💻 For non-UPI transactions, net banking can be a reliable alternative if your Indian SIM is not working properly.
• 📲 Paytm and BHIM apps require OTPs, but Paytm often faces issues with UPI not working properly unless the Indian SIM is in the phone.
• 💡 Mobile banking apps like HDFC are essential for managing your funds and recharging your SIM to keep it active.
• 🔄 The process of handling Indian banking in the UK is less seamless now, so always have backup options like email OTPs for smoother transactions.
• 🛑 UPI in the UK is not as reliable as it once was, and you should be prepared for occasional failures in UPI payment processing.

Q & A

Can I use my Indian SIM card in the UK?

Yes, you can use your Indian SIM card in the UK. However, you need to ensure that your SIM has international roaming activated. Without international recharge, services like internet and calling won't work.

Why is it necessary to keep my Indian SIM active while in the UK?

Your Indian SIM is needed to receive OTPs for bank transactions and UPI payments. If your SIM is inactive, you won't be able to receive important OTPs for transactions or banking services.

Can I use my Indian SIM for UPI payments in the UK?

Using UPI for payments in the UK has become trickier. While it used to work seamlessly, now you must have your Indian SIM active in your phone to receive OTPs for UPI payments through apps like Paytm or BHIM.

Do I need to have an Indian SIM for receiving OTPs for Indian banking activities in the UK?

Yes, if you're accessing Indian banking services like net banking or making transactions, you will need your Indian SIM to receive OTPs, as many banks rely on OTPs for secure transactions.

What happens if I don't recharge my Indian SIM in the UK?

If you don't recharge your Indian SIM, it may get deactivated after some time, especially if you don't use it. To keep it active, regular recharges are necessary.

Can I use my Indian bank account in the UK without an Indian SIM?

While it's possible to access your Indian bank account, you will face challenges with OTPs for transactions. Some banks send OTPs to both your mobile number and email, which can help if your SIM isn't working.

How can I ensure my Indian SIM works for UPI payments while in the UK?

To ensure your Indian SIM works for UPI payments, you need to insert it into your phone and make sure it is active. Additionally, verify that the UPI apps (like Paytm or BHIM) on your phone are synced with your Indian number.

Can I use mobile banking apps in the UK without an Indian SIM?

Yes, you can use mobile banking apps for most transactions even without the Indian SIM. However, if your bank sends OTPs to your phone, you may need to enable email OTPs as a backup.

Are there any issues with using UPI payments in the UK?

Yes, UPI payments have become less reliable in the UK due to issues with OTP delivery and app compatibility. Sometimes, OTPs don't arrive, or apps don't recognize the Indian SIM, causing delays or failures in transactions.

How can I manage my Indian bank account in the UK if UPI is unreliable?

If UPI is unreliable, you can manage your Indian bank account through net banking or mobile banking apps. These allow you to perform transactions, pay bills, and recharge your phone even if UPI isn't working smoothly.