Question 1

Who can I send Indian rupee (INR) to?

Accepted Answer

You can send Indian rupee (INR) to someone’s bank account in India, including NRE and NRO accounts, or UPI ID.

Question 2

What information do I need about my recipient?

Accepted Answer

To send to a bank account:

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.

To send to a UPI ID, you can include the ID. Typically the bank name or initials are part of the web address in the email. Example: yourname@bankname

Question 3

How much can I send abroad?

Accepted Answer

If you and the recipient are private individuals:

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.

If you or the recipient are a business:

You can send up to 1.5 million INR per working day.

It’s best to wait until the day after your transfer has completed to set up another one.

Question 4

How long does a money transfer abroad take?

Accepted Answer

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days.

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

Question 5

Are there any restrictions on sending to Indian rupee (INR)?

Accepted Answer

Because of how we’re regulated, you can’t make transfers to India for investment or charitable donation. This applies to all recipients in India, whether or not they are charities.

We also can’t accept payments from non-profit, NGO, charity or welfare organisations to India — whether business-related or not.

Question 6

Is there any other information I need to know to send money to India?

Accepted Answer

You may need a Foreign Inward Remittance Certificate (FIRC) for transfers to India.
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

International money transfers

International money transfers