Who can I send Indian rupee (INR) to?

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

What information do I need about my recipient?

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

How much can I send to India?

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.

How long does a money transfer to India take?

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

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

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.

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

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

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Send money to India

Save on your online money transfer to India from the UK. Transfer Hong Kong dollar to Indian rupee quickly, safely and join over 14.8 million people using Wise.

Send money from India to the UK instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

You send exactly

Recipient gets

ArrivesToday - in seconds

Total feesIncluded in HKD amount

You could save up to 393.68 HKD

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to India

Save on your online money transfer to India from the UK. Transfer Hong Kong dollar to Indian rupee quickly, safely and join over 14.8 million people using Wise.

Send money from India to the UK instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

You send exactly

Recipient gets

ArrivesToday - in seconds

Total feesIncluded in HKD amount

You could save up to 393.68 HKD

Compare fees for when you send money to India

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 10,000 HKD with	Recipient gets(Total after fees)
	112,913.10 INR
Transfer fee 48.29 HKD Exchange rate(1 HKD INR) 11.3461 Exchange rate markup 0 HKD Cost of transfer 48.29 HKD

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

Wise	Competitors
Wise always gives you the real mid-market rate. No markups, no hidden profits. The fairest rate, every time.	Most providers hide their fees in the exchange rate. Compare their rate to Wise - any difference? That’s their cut.

This applies when you pay in via bank transfer. How do we collect this data?

We’re FCA authorised. View our listing on the FCA register
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to India from the UK

Enter amount to send in HKD.

Pay in HKD 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 HKD, receive INR.

The recipient gets money in INR directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

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.

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.

Best ways to send money to India with WISE

The best way to send Hong Kong 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.
Bank Transfer
Bank Transfer
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.
Debit Card
Debit Card
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.
Credit card
Credit 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.
Apple Pay
Apple Pay
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.
Google Pay
Google Pay
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.

Cheapest way to send money to India from the UK

The cheapest way to send 10,000 HKD to India is by using money that's in your Wise account and costs 44.68 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

INR

Sending 10,000 HKD	Transfer cost
Wise account	44.68 HKD

Bank transfer	48.29 HKD

Debit card	445.16 HKD

Credit card	468.07 HKD

Apple Pay	481.75 HKD

Google Pay	481.75 HKD

Fastest way to send money to India from the UK

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

HKD

INR

Sending 10,000 HKD	Should arrive
Wise account	in seconds

Bank transfer	in seconds

Debit card	in seconds

Credit card	in seconds

Apple Pay	in seconds

Google Pay	in seconds