UPI stands for Unified Interface Payments, which is used as a payment gateway to send and receive funds from anywhere, anytime, to other verified UPI accounts or to bank accounts using the unique VPA allocated to the UPI account of City Union Bank. City Union Bank's UPI is known as BHIM CUB e-wallet UPI. VPA is the Virtual Payments Address allotted by providing a registered mobile number or the account number of a valid savings or current account, along with the IFSC code. UPI was initiated by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI), the central bank of India. Customers can instantly send and receive funds in real time, similar to IMPS funds transfer technology. In addition to its real-time fund transfer capabilities, UPI has revolutionized the digital payment landscape by providing a seamless and secure transaction experience. The integration of UPI into City Union Bank's financial ecosystem not only facilitates swift and secure peer-to-peer transactions but also reinforces the commitment to advancing India's digital financial infrastructure. The widespread adoption of UPI underscores its pivotal role in promoting financial inclusion and catalyzing the transition towards a cashless economy.