1xBet UPI Deposit in India: Step-by-Step for PhonePe, GPay, Paytm
This page provides detailed instructions for depositing on 1xBet App using UPI (Unified Payments Interface) in India. We cover the step-by-step process for PhonePe, Google Pay, Paytm, and BHIM, including UPI ID formats, transaction limits, error codes, and troubleshooting failed payments.
Last updated: February 4, 2026
What is UPI and Why Use It for 1xBet?
UPI (Unified Payments Interface) is a real-time payment system developed by NPCI (National Payments Corporation of India) under RBI regulation. Launched in 2016, UPI processed over 12 billion transactions in January 2026 alone, making it India's dominant payment method.
UPI Advantages for 1xBet Deposits
- Instant transfers: Funds credited in 1-2 minutes
- No fees: NPCI mandates zero charges for UPI transactions
- 24/7 availability: Works on holidays and weekends
- Mobile-first: No need to open laptop or use net banking
- Secure: 2-factor authentication (UPI PIN + device binding)
- Direct bank transfer: No need to load wallet first
| UPI vs Other Methods | UPI | IMPS | Net Banking | Crypto |
|---|---|---|---|---|
| Speed | 1-2 min | 1-5 min | 5-15 min | 10-60 min |
| Fees | Free | Free | Free | Network fee |
| Max per txn | ₹1,00,000 | ₹2,00,000 | ₹10,00,000 | No limit |
| Bank block risk | Medium | Medium | High | None |
| Learning curve | Easy | Medium | Medium | Hard |
UPI ID Formats by App and Bank
Your UPI ID (also called VPA — Virtual Payment Address) is in the format yourname@handle. The handle varies by UPI app and linked bank.
| UPI App | Common Handles | Example UPI ID | How to Find Your ID |
|---|---|---|---|
| PhonePe | @ybl, @axl, @ibl | 9876543210@ybl | Profile → UPI IDs |
| Google Pay | @okaxis, @okhdfcbank, @okicici, @oksbi | john.doe@okaxis | Profile → Bank account → UPI ID |
| Paytm | @paytm | 9876543210@paytm | Profile → Settings → UPI Settings |
| BHIM | @upi (bank-specific) | john@sbi, john@hdfcbank | Profile → UPI ID |
| Amazon Pay | @apl, @yapl | 9876543210@apl | Amazon app → Amazon Pay → UPI ID |
*Your UPI handle depends on which bank account you linked in the app, not just the app itself. Check your app settings for the exact UPI ID.
Bank-Specific UPI Handles
| Bank | Direct UPI Handle | Example |
|---|---|---|
| State Bank of India | @sbi | yourname@sbi |
| HDFC Bank | @hdfcbank | yourname@hdfcbank |
| ICICI Bank | @icici | yourname@icici |
| Axis Bank | @axisbank | yourname@axisbank |
| Kotak Mahindra | @kotak | yourname@kotak |
| Yes Bank | @yesbank | yourname@yesbank |
| Punjab National Bank | @pnb | yourname@pnb |
| Bank of Baroda | @barodampay | yourname@barodampay |
Step-by-Step: How to Deposit on 1xBet Using UPI
Method 1: UPI Collect Request (Recommended)
-
Open 1xBet App
Tap the green "Deposit" button in the top right corner -
Select UPI
Scroll through payment methods and tap "UPI" -
Enter deposit amount
Minimum: ₹100 | Maximum: ₹1,00,000 per transaction -
Enter your UPI ID
Type your UPI ID exactly (e.g.,9876543210@ybl)
Double-check for typos — wrong ID means payment goes to wrong person -
Submit and wait for collect request
1xBet sends a payment request to your UPI ID -
Open your UPI app
PhonePe/GPay/Paytm will show notification "Payment request received" -
Review and approve
Verify amount and merchant name before approving -
Enter UPI PIN
Enter your 4-digit or 6-digit UPI PIN to authorize -
Confirmation
Funds appear in 1xBet balance within 1-2 minutes
Method 2: UPI Intent (Direct App Open)
Some 1xBet deposit flows support "UPI Intent" which directly opens your UPI app:
- Select UPI and enter amount
- Choose "Pay with UPI App" option
- Select your preferred UPI app from the list
- App opens with pre-filled payment details
- Enter UPI PIN to confirm
Method 3: QR Code Scan
- Select UPI and enter amount
- Choose "QR Code" option
- 1xBet displays a QR code
- Open any UPI app → Scan QR
- Confirm amount and enter PIN
UPI Error Codes: What They Mean and How to Fix
When a UPI transaction fails, you receive an error code. Understanding these codes helps you troubleshoot quickly.
| Error Code | Meaning | Cause | Solution |
|---|---|---|---|
| U69 | Transaction declined by customer bank | Bank blocked gambling merchant | Try different bank/UPI app; use crypto |
| U16 | Risk threshold exceeded | Bank flagged transaction as risky | Lower amount; try later; try different bank |
| U30 | Debit not permitted | Account frozen or restricted | Contact your bank; check account status |
| U28 | Unable to fetch credentials | UPI PIN not set or app issue | Reset UPI PIN in your app |
| U67 | Transaction limit exceeded | Exceeded daily/per-txn limit | Wait for limit reset; try smaller amount |
| UT | Transaction timeout | Network/server issue | Wait 5-10 min; retry; check internet |
| RB | Bank server offline | Bank maintenance or outage | Wait 30 min; try different bank |
| ZM | Invalid MPIN | Wrong UPI PIN entered | Enter correct PIN; reset if forgotten |
| AM | Amount limit exceeded | Beyond bank's per-txn limit | Reduce amount; split into multiple txns |
| B1 | Transaction not permitted to cardholder | Account type restriction | Try linked savings account; contact bank |
*Error codes are NPCI-standardized. U-prefix codes are most common. Some banks show additional description text alongside the code.
Most Important: Error U69
U69 ("Transaction declined by customer bank") is the most common error when depositing to betting platforms. It means your bank recognized the transaction as gambling-related and blocked it.
Solutions for U69:
- Try a different UPI app — PhonePe may work when GPay doesn't (different PSP routing)
- Try a different bank account — HDFC/ICICI are strictest; Yes Bank/IDFC First are more permissive
- Use IMPS instead — Different payment channel may bypass UPI-specific blocks
- Switch to cryptocurrency — Guaranteed to work, no banking involvement
UPI Transaction Limits for 1xBet
| Limit Type | NPCI Standard | 1xBet Limit | Notes |
|---|---|---|---|
| Per transaction | ₹1,00,000 | ₹1,00,000 | Both limits align |
| Daily limit | Bank-specific (₹2-5 lakh typical) | ₹2,00,000 | 1xBet may be lower than your bank |
| PIN entry attempts | 3 wrong = 24hr block | N/A | Be careful with UPI PIN |
Bank-Specific UPI Limits
| Bank | Per Transaction | Daily Limit |
|---|---|---|
| HDFC Bank | ₹1,00,000 | ₹2,00,000 |
| ICICI Bank | ₹1,00,000 | ₹2,00,000 |
| SBI | ₹1,00,000 | ₹2,00,000 |
| Axis Bank | ₹1,00,000 | ₹2,00,000 |
| Kotak | ₹1,00,000 | ₹2,00,000 |
| Yes Bank | ₹1,00,000 | ₹5,00,000 |
| IDFC First | ₹1,00,000 | ₹5,00,000 |
*Limits as of February 2026. Banks may change limits without notice. Higher limits may require enhanced KYC with your bank.
Withdrawing from 1xBet to UPI
Withdrawal Process
- Open 1xBet App → tap "Withdraw"
- Select "UPI" as withdrawal method
- Enter withdrawal amount (minimum ₹1,000)
- Enter your UPI ID (same format as deposit)
- Submit withdrawal request
- Wait for processing (15 min – 2 hours typical)
- Funds appear directly in linked bank account
Withdrawal Timings
| Time of Request | Expected Processing |
|---|---|
| Business hours (10 AM – 6 PM IST) | 15-30 minutes |
| Evening (6 PM – 10 PM IST) | 30-60 minutes |
| Night/Early morning | 1-2 hours |
| First-time withdrawal | 24-72 hours (verification required) |
Troubleshooting Common UPI Issues
Payment Debited But Not Credited to 1xBet
- Wait 15 minutes — transactions sometimes process slowly
- Check your bank statement for the debit
- Find the UTR (UPI Transaction Reference) number
- Contact 1xBet support with: amount, date/time, UTR number
- 1xBet will trace and credit manually (usually within 24 hours)
Collect Request Not Received
- Check "Pending" or "Requests" section in your UPI app
- Verify UPI ID was entered correctly
- Try again — sometimes requests fail silently
- Use QR code or Intent method instead
Wrong UPI ID Entered
If you entered someone else's UPI ID and the payment went through:
- 1xBet cannot recover funds sent to wrong UPI ID
- Contact your bank immediately — they may be able to reverse
- File complaint on NPCI portal (npci.org.in)
- Prevention: Always double-check UPI ID before confirming
What This Page Does NOT Cover
- Setting up UPI: How to link bank account and set PIN in PhonePe/GPay — use app's help section
- Bank-specific net banking: Each bank has different interfaces
- UPI Lite transactions: UPI Lite has ₹500 limit and may not work for betting deposits
- International UPI: UPI for NRIs or international numbers has different rules
- Dispute resolution: Contact 1xBet support or your bank directly for disputes
Frequently Asked Questions: UPI on 1xBet
What is my UPI ID for PhonePe?
Your PhonePe UPI ID is typically your mobile number followed by @ybl (e.g., 9876543210@ybl). Open PhonePe → tap profile icon → "UPI IDs" to see your exact ID. You may have multiple IDs with different handles (@axl, @ibl) depending on linked banks.
Why did my UPI payment fail with error U69?
Error U69 means your bank declined the transaction. Banks block gambling-related merchants based on RBI guidelines. Solution: try a different UPI app (PhonePe → GPay), try a different bank account (Yes Bank/IDFC First are more permissive), or use cryptocurrency.
What is the maximum UPI deposit on 1xBet?
NPCI standard UPI limit is ₹1,00,000 per transaction. 1xBet accepts this maximum. Daily limit is ₹2,00,000. For larger deposits, use IMPS/bank transfer or split into multiple transactions.
How long do UPI deposits take?
UPI deposits on 1xBet are typically instant (1-2 minutes). If not credited within 15 minutes, check bank statement and contact support with UTR number.
Can I withdraw to UPI?
Yes. 1xBet supports UPI withdrawals. Enter your UPI ID, minimum withdrawal ₹1,000. Processing: 15 min – 2 hours. First withdrawal requires identity verification (Aadhaar/PAN).