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Send money to UPI ID

Send money to UPI ID from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

Read more
  • Low fees — fees get cheaper the more you send
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for your international transfer
Open an account
 Rate guaranteed (35h)
  • PayID fee
    0 AUD
  • Our fee
    234.01 AUD

  • Volume discount

    -4.98 AUD

Total included fees (0.51%)
229.03 AUD

Should arrive by Tuesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Send money to UPI ID

Send money to UPI ID from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

Read more
  • Low fees — fees get cheaper the more you send
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for your international transfer
Open an account
 Rate guaranteed (35h)
  • PayID fee
    0 AUD
  • Our fee
    234.01 AUD

  • Volume discount

    -4.98 AUD

Total included fees (0.51%)
229.03 AUD

Should arrive by Tuesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

How to send money to UPI ID in 3 easy steps

Start your transfer.

Enter amount to send in AUD.

Pay in AUD with your debit card or credit card, or send the money from your online banking.

Get the best rate out there.

Choose your recipient.

Select who you want to send money to and which pay-out method to use.

Money is locally delivered.

Send AUD, receive INR.

The recipient gets money in INR directly from Wise’s local bank account.

Create free account now

What is UPI ID money transfer?

UPI money transfers are a simple way to send INR funds to India, using just the recipient’s name and UPI ID. That means there’s no need to ask for or remember the recipient’s full banking details when you want to send a payment.

Wise UPI transfers allow you to send up to 200,000 INR, whether you are sending to a private individual or a business.

You can’t send a Wise UPI money transfer for investment or as a charitable donation, and you might need a Foreign Inward Remittance Certificate (FIRC) as part of setting up your payment.

Learn more about using UPI transfers.

Online money transfer fees

How much does it cost to send money to UPI ID?

To send money to UPI ID with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad

The cheapest way to send 45,000 AUD to INR is by using money that's in your Wise account and costs 228.91 AUD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

AUD

INR

Sending 45,000 AUDTransfer cost
Wise account228.91 AUD
Osko229.03 AUD
Bank transfer229.03 AUD

See where Wise works

How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe
  • Rock-solid technology
    Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
  • People who care, 24/7
    With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
  • Your money, not ours
    Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

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