Send money to India
- 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
- You could save up to 33.25 AUD
Send money to India
- 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
- You could save up to 33.25 AUD
How to send money to India from Australia
Enter amount to send in AUD
Pay in AUD with your debit card or credit card, or send the money from your online banking.
Choose recipient in India
Select who you want to send money to and which pay-out method to use.
Send AUD, receive INR
The recipient gets money in INR directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 40,000 AUD or equivalent. Plus get dedicated support from our expert team
Secure money transfers to India
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.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour money is safeguarded, and held completely separate from ours, so it's available to you all the time.
Best ways to send money to India with WISE
The best way to send Australian dollar to Indian rupee is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Osko by BPAY is an online bank payment method available in Australia. When you’re sending money or paying your bills in AUD, you have an option to select Osko by BPAY for your payment method on our app.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
How to receive money in India
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you'll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Mobile money
Mobile money
To make a mobile phone number money transfer all you’ll need is the recipient’s mobile phone number to get your money moving. Learn more about Mobile money transfers.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money to India from Australia
The cheapest way to send 1,000 AUD to India is by using money that's in your Wise account and costs 5.20 AUD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
AUD
INR
| Sending 1,000 AUD | Transfer cost | ||
|---|---|---|---|
| Wise account | 5.20 AUD | ||
| Osko | 5.32 AUD | ||
| Bank transfer | 5.32 AUD | ||
| Debit card | 8.58 AUD | ||
| Credit card | 14.53 AUD | ||
| Google Pay | 14.82 AUD | ||
| Apple Pay | 14.82 AUD | ||
Fastest way to send money to India from Australia
Sending money with Wise is super fast: 77% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
AUD
INR
| Sending 1,000 AUD | Should arrive | ||
|---|---|---|---|
| Wise account | in seconds | ||
| Osko | in seconds | ||
| Bank transfer | in seconds | ||
| Debit card | in seconds | ||
| Credit card | in seconds | ||
| Google Pay | in seconds | ||
| Apple Pay | in seconds | ||
Send money to India from Australia with the Wise app
Looking for an app to send money to India? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money to India from Australia with the Wise app
Looking for an app to send money to India? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
4.3 / 5 on Trustpilot from 304,649 reviews
Do more with Wise in Australia
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any hidden fees or markups.
- 3.76%On AUD
Earn returns
Use your money as it grows. Your money won't be locked away. So you can continue to send and spend it. No commitment. No fuss. Capital at risk, growth not guaranteed.1
Frequently asked questions
- their full name — first name and surname, Latin characters (a-z) only
- their account number — 5–20 digits
- their IFSC — 11 characters, both letters and numbers. It usually starts with 4 letters
- purpose of the payment — you can choose from a list. Make sure you choose correctly, otherwise you might be asked for more information about your transfer, and it may take longer.
- you can send up to 100 million INR per transfer to a private individual.
- If you’re sending to an IMPS recipient, you can send up to 500,000 INR instantly.
- If you’re sending to a UPI recipient, you can send up to 200,000 INR instantly.
- You can send up to 1.5 million INR per working day.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
We also can’t accept payments from non-profit, NGO, charity or welfare organisations to India — whether business-related or not.
Learn more about FIRCs, and how to get one.
When you send a transfer to India, we’ll send you an email with a unique transaction reference (UTR) number. You can use this to track your transfer.
Learn more about UTR numbers
See where Wise works
- Send money
- Account details
- Hold and convert money
- Banks in India