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Send money to UPI ID

We never mark up the exchange rate or hit you with hidden fees. But don't take our word for it, send up to $2,000 to EUR, INR, and PHP for free and see it for yourself. That's right, you'll pay $0 in fees.

Sound like something you could get used to? Join over 15.6 million people using Wise.
  • Zero fees on your first transfer — up to $2,000.
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for your international transfer
Open an account
  • Arrives
    by Tuesday
  • Total fees
    Included in USD amount
    21.35 USD discounts applied
    • Your first transfer is on us

    No hidden fees or exchange mark-ups, ever. Get zero fees on up to $2,000 and see it for yourself. T&C applies Learn more.

    Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.

    Send money to UPI ID

    We never mark up the exchange rate or hit you with hidden fees. But don't take our word for it, send up to $2,000 to EUR, INR, and PHP for free and see it for yourself. That's right, you'll pay $0 in fees.

    Sound like something you could get used to? Join over 15.6 million people using Wise.
    • Zero fees on your first transfer — up to $2,000.
    • Lightning fast — money typically arrives in seconds
    • Perfectly predictable — lock in an exchange rate for your international transfer
    Open an account
  • Arrives
    by Tuesday
  • Total fees
    Included in USD amount
    21.35 USD discounts applied
    • Your first transfer is on us

    No hidden fees or exchange mark-ups, ever. Get zero fees on up to $2,000 and see it for yourself. T&C applies Learn more.

    Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.

    How to send money to UPI ID in 3 easy steps

    Start your transfer.

    Enter amount to send in USD.

    Pay in USD 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 USD, 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 30,000 USD to INR is by using money that's in your Wise account and costs 133.10 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    USD

    INR

    Sending 30,000 USDTransfer cost
    Bank transfer123.27 USD
    Direct debit170.60 USD

    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.

    4.3 / 5 on Trustpilot from 287,645 reviews

    Read more reviews on Trustpilot