India

<div>
  <p>
    With Wise, you can get account details that you can share with others to receive payments. 
  </p>
  <p>
    Once you get account details, you can share them with the person or business that wants to pay you and they can send you money directly from their bank. 
  </p>
  <hr/>
  <h2>
    How your account details work 
  </h2>
  <h3>
    How do I open account details?
  </h3>
  <p>
    If you live in
     
    <a href="/help/articles/2813542/why-cant-i-open-a-currency-account">a country where you’re eligible to hold money in your account</a>
    , you can get account details by selecting one of the 
    <a href="/help/articles/2784317/what-types-of-payments-can-i-receive-into-my-account">eligible currencies</a>
     from the home screen and selecting 
    <b>Get account details. </b>
  </p>
  <p>
    We’ll guide you through the setup process — there may be requirements if it’s your first time. 
  </p>
  <p>
    <a href="/help/articles/2978028/how-do-i-open-account-details-to-receive-money">Learn more about getting account details</a>
  </p>
  <hr/>
  <h3>
    What currencies and types of payments can I receive?
  </h3>
  <p>
    You can get account details in over 10 different currencies including 
    <a href="/help/articles/2827506/how-do-i-use-my-usd-account-details">USD</a>
    , 
    <a href="/help/articles/2827505/how-do-i-use-my-eur-account-details">EUR</a>
    , and 
    <a href="/help/articles/2935927/how-do-i-use-my-gbp-account-details">GBP</a>
    . 
  </p>
  <p>
    <a href="/help/articles/2784317/what-types-of-payments-can-i-receive-into-my-account">Learn what currencies and payment types you can receive</a>
  </p>
  <ul>
    <li>
      <p>
        <b>With GBP</b>
         
        <b>account details</b>
        , you can receive international Swift payments from outside the UK in 23 different currencies. 
        <a href="/help/articles/2935927/how-do-i-use-my-gbp-account-details">Learn more about receiving to your GBP account details</a>
         
      </p>
    </li>
    <li>
      <p>
        <b>With EUR</b>
         
        <b>account details</b>
        , you can receive international Swift payments from outside the SEPA region in 5 different currencies. 
        <a href="/help/articles/6cpy4MuXnH0WsgU9Tate2Y/how-to-use-eur-details-to-receive-other-currencies-via-swift">Learn more about receiving with your EUR account details</a>
      </p>
    </li>
  </ul>
  <p>
    Wise doesn’t accept cash or cheque payments. We can receive from some Cryptocurrency platforms, but not from all. 
  </p>
  <p>
    <a href="/help/articles/2932118/incompatible-accounts-and-payments">Learn more about receiving from Cryptocurrency platforms </a>
  </p>
  <hr/>
  <h3>
    What happens after I receive the money? 
  </h3>
  <p>
    Your payment will be added directly into the relevant currency in your Wise account — you'll see it under Transactions.
  </p>
  <p>
    Once the money is in your account, you can 
    <a  target="_blank" href="https://wise.com/help/articles/2596980/how-can-i-convert-money" rel="noreferrer">
      convert it to any available currency
    </a>
    , hold it on your Wise account, or 
    <a href="/help/articles/2596987/how-can-i-send-money-from-my-wise-account">send it to an external bank account</a>
    . 
  </p>
  <h3>
    Fees and limits 
  </h3>
  <p>
    Most currencies have no receiving fees for domestic payments, with the exception of USD domestic wires. There is a fee to receive international (Swift) payments in most currencies. 
  </p>
  <p>
    And most currencies have no receiving limits with the exception of USD and SGD. 
    <a href="/help/articles/2978013/Does-it-cost-anything-to-receive-money-into-my-Wise-account">Read more on fees and limits here</a>
     
  </p>
  <hr/>
  <h2>
    Checking and sharing your account details 
  </h2>
  <h3>
    How do I check my account details?
  </h3>
  <p>
    Once you've opened your account details, on app or web:
  </p>
  <ol>
    <li>
      <p>
        From Home, select one of your currencies
      </p>
    </li>
    <li>
      <p>
        Select the account details button just under the currency
      </p>
    </li>
    <li>
      <p>
        You can view and copy your account details to share with others. 
      </p>
    </li>
  </ol>
  <hr/>
  <h3>
    What details should I provide for domestic payments?
  </h3>
  <p>
    Domestic account details are available for many currencies. These allow you to get paid like a local, wherever you are. For example, someone can pay you USD as if you’re located in the US — even if you’re actually somewhere else.
  </p>
  <p>
    Domestic payments are usually the cheapest and fastest way to receive money with your account details.
  </p>
  <p>
    When receiving a domestic payment, you'll typically need to provide the sender with these details:
  </p>
  <ul>
    <li>
      <p>
        <b>Account Number</b>
        : Your account’s unique identifier within the bank.
      </p>
    </li>
    <li>
      <p>
        <b>IBAN</b>
         
        <b>(International Bank Account Number)</b>
        : Used in many countries, it includes your country code, bank code, and account number.
      </p>
    </li>
    <li>
      <p>
        <b>Routing Number - can be for ACH and Wire payments</b>
         (for U.S.): A 9-digit code identifying your bank.
      </p>
    </li>
    <li>
      <p>
        <b>Sort Code</b>
         (for the UK): A 6-digit code identifying your bank and branch.
      </p>
    </li>
    <li>
      <p>
        <b>BSB Code</b>
         (for Australia): A 6-digit number used to identify the individual branch of an Australian financial institution.
      </p>
    </li>
  </ul>
  <hr/>
  <h3>
    What details should I provide for international payments?
  </h3>
  <p>
    For international payments, provide the sender with:
  </p>
  <ul>
    <li>
      <p>
        <b>Swift/BIC</b>
        : A unique code to identify your bank globally.
      </p>
    </li>
    <li>
      <p>
        <b>IBAN (International Bank Account Number)</b>
        : Used in many countries, it includes your country code, bank code, and account number.
      </p>
    </li>
    <li>
      <p>
        <b>Name</b>
        : Name as it appears on your account.
      </p>
    </li>
  </ul>
  <p>
    
  </p>
  <hr/>
  <h3>
    Are there other ways to receive money to my Wise account? 
  </h3>
  <p>
    You can also receive payments in other ways such as through your email address or phone number, your Wise card details, or by sending a request. 
    <a href="/help/articles/2978054/can-i-receive-money-without-sharing-my-bank-details">Learn more about these other ways to receive here</a>
  </p>
</div>


How do I receive money to my Wise account details?

<div>
  <p>
    Wise is licensed to hold your money, and as part of keeping it safe, we follow strict rules set out by the regulators in the countries where we operate. 
  </p>
  <p>
    As of 30 September 2024, our customers are trusting us with the equivalent of 14.7 billion GBP in their Wise accounts.
  </p>
  <p>
    If you keep money with us, our regulatory obligation is to hold all of it in cash, secure liquid assets, or insured by a comparable guarantee. 
  </p>
  <h3>
    How is this different from a bank?
  </h3>
  <p>
    We don’t lend out your money. Banks do. This is why governments require them to insure their deposits by participating in country-specific deposit insurance schemes, like the 
    <a  href="https://www.fscs.org.uk/about-us/" rel="noreferrer" target="_blank">
      FSCS
    </a>
     in the UK. 
  </p>
  <p>
    Because we’re not lending your money, we handle it differently by safeguarding it. 
  </p>
  <h3>
    What is safeguarding?
  </h3>
  <p>
    Safeguarding means we look after your money by keeping it separate from our own money, and making it available to you whenever you need it. 
  </p>
  <p>
    How we hold your money can vary by country, for example:
  </p>
  <ul>
    <li>
      <p>
        <a href="/help/articles/4IusAofIppsIGPcs7sEIXI/how-our-uk-entity-wise-payments-ltd-safeguards-customer-funds">Wise Payments Ltd (UK)</a>
      </p>
    </li>
    <li>
      <p>
        <a href="/help/articles/50VrYRVwHcsYeKzvWbjf3n/how-our-eu-entity-wise-europe-sa-safeguards-customer-funds">Wise Europe SA (EEA)</a>
      </p>
    </li>
    <li>
      <p>
        <a href="/help/articles/5toCJQjm9MkTs8bEKSm30O/how-our-us-entity-wise-us-inc-protects-customer-funds">Wise US Inc (USA)</a>
      </p>
    </li>
    <li>
      <p>
        <a href="/help/articles/7vOtfWfDbPfF3C8LRSqdxU/how-our-japanese-entity-wise-payments-japan-k-k-safeguards-customer-funds">Wise Payments Japan KK (Japan)</a>
      </p>
    </li>
    <li>
      <p>
        <a href="/help/articles/7cUlHeJwqj6AHM69S8qRCA/holding-money-if-you-live-in-brazil">Wise Brasil Instituição de Pagamento Ltda (Brazil)</a>
      </p>
    </li>
  </ul>
  <p>
    <a  href="https://wise.com/en/legal/terms-and-conditions" rel="noreferrer" target="_blank">
      Learn which Wise group entity provides services to you
    </a>
  </p>
  <p>
    <a href="/help/articles/2932693/how-is-wise-regulated-in-each-country">Learn more about where we’re regulated</a>
  </p>
  <h3>
    <b>How we keep your money available to you even during market turmoil</b>
  </h3>
  <p>
    We make sure your money is safe and readily available to you. Most of your money is in secure liquid assets — such as EU, UK and US Government bonds, and money market funds as of 1 April 2024. 
  </p>
  <p>
    For a government bond to fail, the government would need to default on their loan payments, which almost never happens with stable governments.
  </p>
  <p>
    The bonds we hold are mostly short-term bonds, so we’re not materially exposed to increasing interest rates, making us more resilient. 
  </p>
  <p>
    The average duration of the bonds we hold is under 6 months, with the majority of bonds having a remaining term of 3 months or less.
  </p>
  <p>
    The money that we put into banks, we hold it in several reputable banks with strong liquidity.
  </p>
</div>


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How do I receive money to my Wise account details?

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