To use Google Pay, you need to add your bank account for transactions, like bill payments, mobile recharge, fund transfers, etc. Google Pay is a third-party payments app that supports UPI functions for funds transfer. You must be aware that the transaction limit varies from bank to bank, and it all depends on your bank as all the banks have their own transaction norms. But, if you want to increase your daily transaction limits, you can do so in other ways.
Google Pay is a third-party payments app and you need to link your bank account for transactions. If your bank allows a maximum of 100000/- per day, then your maximum transaction limit will be 100000/-. Google Pay is considered to be the fastest and most secure app for transactions.
Google Pay has millions of users but, you cannot increase your bank’s transaction limit here. You can set your transaction limit of Rs.100000/- or less through Mobile or Internet Banking and not on Google Pay.
Therefore, to change the banking functionality, like transaction limit, domestic and international usage, ATM Pin, etc, you need a banking app. Suppose, you have linked your SBI bank with Google Pay, then you need Yono SBI, Yono Lite or any other SBI app to set the transaction limit.
However, to increase the transaction limit in Google Pay, you need to check the daily transaction limit of your bank. Since Google Pay supports the UPI function, therefore, you can add multiple bank accounts. If the transaction limit of your first bank account is Rs.100000/-, you can add one more bank to Google Pay to increase your daily transaction limit.
But, before proceeding further check the latest transaction limits per day of all banks in India:
Bank-wise UPI Transaction Limits for 2022
There are daily limits on how much you can send money through the Google Pay app. The limits for Google Pay may vary as all banks have their own UPI transaction limits on a daily basis.
You can send money up to Rs 1,00,000 or less in a day across all UPI apps, but it varies from bank to bank. So, it all depends on the bank transaction limit that the bank account you have linked with the Google Pay app.
| Bank name | Bank type | UPI Txn Limit | Daily Limit |
|---|---|---|---|
| Adarsh Co-Op Bank | Cooperative | 25000 | 25000 |
| Airtel Bank | Payments Bank | 100000 | 100000 |
| Idea Bank | Payments Bank | 100000 | 100000 |
| Allahabad Bank | Public Sector Bank | 25000 | 100000 |
| Asam Gramin Vikash Bank | RRB | 5000 | 25000 |
| Axis Bank | Private Bank | 100000 | 100000 |
| Bandhan Bank | Private Bank | 100000 | 100000 |
| Bank of Baroda | Public Sector Bank | 25000 | Not Set |
| Bank of India | Public Sector Bank | 10000 | 100000 |
| Bank of Maharashtra | Public Sector Bank | 100000 | 100000 |
| Canara Bank | Public Sector Bank | 10000 | 25000 |
| Central Bank of India | Public Sector Bank | 25000 | 50000 |
| Citibank Retail | Foreign Bank | 100000 | 100000 |
| DCB Bank | Private Bank | 5000 | 5000 |
| Dena Bank | Public Sector Bank | 100000 | 100000 |
| HDFC Bank | Private Bank | 100000 (Rs 5000 for a new customer) | 100000 |
| HSBC | Foreign Bank | 100000 | 100000 |
| ICICI Bank | Private Bank | 10000 (Rs 25000 for Google Pay users) | 10000 (Rs 25000 for Google Pay users) |
| IDBI Bank | Public Sector Bank | 25000 | 50000 |
| IDFC Bank | Private | 100000 | 100000 |
| India Post Payment Bank | Payments Bank | 25000 | 50000 |
| Indian Bank | Public Sector Bank | 100000 | 100000 |
| Indian Overseas Bank | Public Sector Bank | 10000 | 20000 |
| IndusInd Bank | Private Bank | 100000 | 100000 |
| Kerala Gramin Bank | RRB | 20000 | 20000 |
| Kotak Mahindra Bank | Private Bank | 100000 | 100000 |
| Manipur Rural Bank | RRB | 10000 | 10000 |
| Paytm Payments Bank | Payments Bank | 100000 | 100000 |
| South Indian Bank | Private Bank | 100000 | 100000 |
| State Bank of India | Public Sector Bank | 100000 | 100000 |
| UCO Bank | Public Sector Bank | 100000 | 100000 |
| United Bank of India | Public Sector Bank | 25000 | 60000 |
| YES Bank | Private Bank | 100000 | 100000 |
See also – PhonePe transaction limit
Steps to Increase Google Pay UPI transaction limit
All banks have their own transaction limits on how much money you can transfer per day. Google Pay even all UPI apps follow these guidelines, and you can send money more than 10 times in one day across all UPI apps. Therefore, to increase the UPI transaction limit, add your multiple banks in Google Pay app.
To add multiple banks to Google Pay, follow the steps below:
Step 1: Download and open your Google Pay app. Select the profile image at the top right of the home page.
Step 2: On the next page, tap on Set up payment methods. Here, you can add a maximum of two bank accounts.
Step 3: Tap on Add bank account. Select the bank where you have an active account.
Step 4: Tap Continue, and it will verify your registered mobile number with your bank account. If all goes well then your bank will be linked to the Google Pay app.
Now, you have added two bank accounts, which will increase your daily transaction limit.
How To Set Google Pay UPI Limit?
Google Pay supports the UPI function, it does not support any change in banking functionality. So, you can not set the UPI transaction limit in Google Pay, For example, if you are an SBI customer, and you have added this bank account. Now, your UPI transaction limit will be Rs 100000/-, as it is set by the State Bank.
Therefore, to set the UPI transaction limit, use the YONO Lite, YONO SBI or another SBI app, you can set it. Once the limit is set, then add your bank account with the Google Pay app. If you want to know more please check here.
Similarly, if you are a Union Bank, Indian Bank or any other bank user, follow the same procedure to add your bank account with the Google Pay app or other UPI apps.
All banks have their own mobile banking application, where you can manage your UPI transaction limit. Later, you can add your bank account to Google Pay.
FAQs
There is no option to set the UPI transaction limit in Google Pay.
To set a UPI transaction limit, use the bank that you have already set the transactions limit, then add it to the Google Pay app,
The maximum transaction limit will depend on the type of bank. The maximum transaction limits vary from bank to bank as mentioned above.
To Increase the UPI transaction limit add multiple banks to the Google Pay app. This will increase your daily transaction limits.
UPI daily transaction limit refers to the maximum limit per day in any UPI app.
Conclusion
There is no direct option to increase the UPI transaction limit in Google Pay. But, you can increase your transaction limit by adding one more bank account. The transaction limits will be doubled as there are two bank accounts linked to your Google Pay app. But, to set the transaction limit, use your existing banking app and set the limit to less than the maximum limit.
