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Send Money to India: A Comprehensive Guide

This guide will explain how to use services that offer international transactions and how to transfer money online. Also, you will be introduced to the best international money transfer services on the market.

A step-by-step guide to sending money to India

Sending money overseas for the first time can be a challenging process, but not with step-by-step instructions. Below, you will find the answer to how to transfer money internationally using trusted intermediaries that make transactions worldwide. Here are the steps you need to know how to send money internationally:

  1. Choose a service: You can choose between Xoom (a PayPal Service), Western Union, Wise, and other popular services.
  2. Create an account: You can create an account on the website of your chosen service provider or download an app to send money India.
  3. Enter details: Fill in the required information about the sender and recipient, such as name, contact number, and bank details.transfer
  4. Verify transaction details: Before sending the transfer, check all the transaction details, as well as the commission and exchange rate.
  5. Select payment method: Select your preferred payment method, such as credit/debit card or direct bank transfer.
  6. Track the transfer: Popular providers allow you to track the transaction from sender to recipient in real time.

On the website or in a branch that sends money internationally, you can check the exchange rate and commissions to choose the most favorable option. Also, you will be able to get discounts or bonus points that can be used later as part of customer loyalty programs. If you still have questions about how to transfer money to India, you can always use the 24/7 support of transaction services.

Services for sending money to India

Money transfer services are the best way to send money internationally. With the help of international money transfers platforms, you know how to wire transfer money and send money to India from almost anywhere in the world. Money transfer platforms offer services online or at fixed branches that you can find near you.

Xoom (A PayPal Service)

With Xoom, you can send money internationally online to the most popular cash points and banks across India, such as Muthoot Finance and Manappuram Finance. Make bank transfers to all banks, including HDFC Bank, PNB, Axis Bank, and YES Bank. Benefits of the Xoom service:

  • Speed of transactions: Amounts up to 500000 Indian rupees will be credited within minutes, and amounts above 500000 Indian rupees can be credited within 2 hours, seven days a week.
  • Different ways to send money: With Xoom, you can send money to a contact’s bank account, debit card, or mobile wallet.
  • Money transaction tracking: With the mobile app, you can send money India and track your transactions right from your phone.

To transfer money overseas, you can easily use any Xoom sending options with your personal PayPal account and pay with all your saved payment methods.

Wise (formerly TransferWise)

Payment service Wise operates in 160 countries in more than 40 currencies. Wise payment service features:

  • Speed: 60% of transactions are completed in less than 20 seconds, and 95% of payments take less than 24 hours.
  • Worldwide availability: Wise payment service is supported by more than 65 licenses, 90 banking partners, and 6 direct connections to payment systems.
  • Different ways to send money: The money transfer platform makes cross-border transfers to digital wallets, including Alipay and WeChat, cards, and many other methods.

With Wise, you can get 9 different sets of account details and IBANs to receive EUR, USD, and more. You can also open accounts in 21 currencies and convert them into 48 currencies, including Indian rupees.

Western Union

Western Union is a company that operates in more than 200 countries. The money transfer platform offers free registration in a few clicks. With Western Union, you can count on:

  • Different ways to send money: With Western Union, you can send money on the official website, in the app, or at a branch near you.
  • Easy ways to receive and send money: With Western Union, you can send from a bank account, physical branch, or mobile wallet.
  • Security: Western Union is PCI DSS compliant and keeps your data secure no matter how you send money.

With Western Union, you can count on free registration, the ability to track your transactions, and save user data for future fast transfers.

Other ways to send money to India

If, for some reason, you don’t want to use the online services of international fund transfers, you can use one of the following options.

Bank transfer

If you are going to send money internationally to a bank account in India, you will need the Indian Financial System Code (IFSC), beneficiary data, and exact bank account numbers. In India, these numbers are usually between 11 and 18 digits long. But, depending on the bank you choose, the requirements may vary. For the transaction, you also need to provide the beneficiary’s full name as it appears in his official identity documents, like a PAN card.

Cryptocurrency

You can use a cryptocurrency-to-cryptocurrency transfer. However, you can also use online international transaction services. Most of them offer transactions from a debit card or cash to a cryptocurrency wallet.

Frequently Asked Questions


PayPal’s Xoom service is the quickest way to send money to India. Xoom offers seven-day access to credit, with amounts up to 500,000 Indian rupees being credited in minutes and amounts over 500,000 Indian rupees being credited in two hours.

Yes, the amount of money you can send to India is limited. Xoom may credit quantities up to 500,000 Indian rupees in minutes, but it may take up to 2 hours for amounts over that amount to be credited. Other providers, such as Western Union and Wise, might also have restrictions based on the area and method. Verifying any transfer restrictions and regulations related to the service is critical.

The arrival time of a money transfer in India depends on your service. Xoom, for instance, credits up to 500,000 Indian rupees in minutes, while more significant amounts may take up to two hours.
With 60% of transactions processed in less than 20 seconds and 95% within 24 hours, Wise is incredibly quick. Western Union also provides fast transfers, though the precise time may differ depending on the location and the mode of payment.

Yes, once you send your money transfer, you can follow its progress. For instance, you can follow your transactions in real-time with Xoom’s mobile app. Wise and Western Union also offer tracking services, which enable you to keep an eye on the progress of your transfer once it has been delivered.

Money transfers to India can be made in several ways. You can use services like Western Union, Xoom, or Wise, which enable transfers via physical branches, smartphone apps, or internet platforms.
A recipient’s bank account number and the Indian Financial System Code (IFSC) are among the information needed to send money via bank transfer. Sending money to a Bitcoin wallet is an additional choice that can be accomplished through cryptocurrency transfers. Depending on the service, each approach offers different benefits, such as speed or usability.


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