作为一家受监管的金融机构，为遵守合规要求，我们必须收集您发送印度卢比汇款的目的。故此，当您汇款至印度时，必须选择汇款目的。
选择正确的印度储备银行 (RBI) 用途代码，可确保准确完成交易报备和遵守监管要求，否则可能会造成付款延误或退回。
我们提供哪些用途代码？
您可以选择的汇款用途因您或收款人是个人（个人账户）还是企业而异。设置汇款时，您会看到可选择的汇款用途。
个人账户向个人收款人汇款
| Purpose Code | Context |
|---|---|
| Personal expenses | Payments for personal use, education or medical expenses, or to friends |
| Sending money home to family | Payments to family |
| Savings | Payments for your own savings |
| Property purchase | Payment for purchase of property |
| General monthly living expenses | Payments for day-to-day expenses |
| Deposit to Non-Resident Rupee (NRE) accounts | Payments to NRE accounts |
| Education expenses | Payment to education institutions |
| Loan repayment | Payments to repay a loan |
个人账户向企业收款人汇款
向印度企业汇款的限额为单日单张发票 150 万印度卢比。
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Loan repayment | P0011 | Repayment of loans extended to non-residents | Payments to repay a loan | |
| Education expenses | P1107 | Educational services (e.g. fees received for correspondence courses offered to non-resident by Indian institutions) | Payment to education institutions | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
企业账户向企业收款人汇款
向印度企业汇款的限额为单日单张发票 150 万印度卢比。
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | ||
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
企业账户向个人收款人汇款
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Property purchase | P1301 | Inward remittance from Indian nonresidents towards family maintenance and savings. | Payment for purchase of property | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR Services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan |
Wise 不支持哪些汇款用途？
慈善捐款
单日单张发票超 150 万印度卢比的贸易汇款
外商直接投资
以印度卢比支付的薪资付款
如果您所需的 RBI 用途代码未出现在我们上述列表中，则目前我们无法支持该转账用途。
选错用途代码怎么办？
选错用途代码可能导致汇款延迟或退回。
如果款项未汇出，请联系客服。汇款会取消并退款。
如果款项已汇出，我们无法更改汇款用途代码，您可以：
需联系收款行退回资金。资金退回到 Wise 后，我们能够取消并退还您的汇款资金。
然后您需要使用正确的用途代码发起新汇款。
购房汇款需要选择哪个用途？
取决于汇款性质：
如果资金用于偿还房贷：选择"偿还贷款"。
如果资金流向房地产公司进行住房投资：选择“购买房产”。收款人必须是企业。
如果资金用于资助亲友购房：选择“购买房产”。