How to send money to India from Australia with the best AUD-INR rate

Of the 13 companies we analysed, Remitly is the cheapest app overall for sending A$2,000 to India.

On a 2,000 AUD transfer it will get your recipient 135,980 INR.

Best companies for AUD/INR transfers

13 of 13 providers

Last updated on 28 October 2026

Based on 2,000 AUD transfer

Best companies for AUD/INR transfers

Sort Cheapest
Ad

Wise

Pay via Bank Transfer
Fees: $9.70 1 AUD = 66.9512 INR Recipient gets ₹133,252.97 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in India with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$9.701 AUD = 66.9512 INR
₹133,252.97You pay$2,000.00
Ad

Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 66.5599 INR Recipient gets ₹133,119.84 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in India with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 66.5599 INR
₹133,119.84You pay$2,000.00

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Showing top Australia to India deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.

Remitly

Pay via PayTo
Fees: $0.00 1 AUD = 67.9900 INR Recipient gets ₹135,980.00 Within a week
Cheapest
Receive to bank account or cash pickup

Ways to receive money in India with Remitly when paying by payto.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 67.9900 INR
₹135,980.00You pay$2,000.00
Cash pickupWithin a week
Free1 AUD = 67.9900 INR
₹135,980.00You pay$2,000.00
UPIWithin a week
Free1 AUD = 67.9900 INR
₹135,980.00You pay$2,000.00

Remitly

Pay via Debit Card
Fees: $0.00 1 AUD = 67.3100 INR Recipient gets ₹134,620.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in India with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00
Cash pickupWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00
UPIWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00

Remitly

Pay via Credit Card
Fees: $0.00 1 AUD = 67.3100 INR Recipient gets ₹134,620.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in India with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00
Cash pickupWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00
UPIWithin minutes
Free1 AUD = 67.3100 INR
₹134,620.00You pay$2,000.00

TapTap Send

Pay via Debit Card
Fees: $1.99 1 AUD = 67.0000 INR Recipient gets ₹134,000.00 Minutes
Receive to bank account

Ways to receive money in India with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
$1.991 AUD = 67.0000 INR
₹134,000.00You pay$2,001.99
UPIMinutesAvailable via:UPI
$1.991 AUD = 67.0000 INR
₹134,000.00You pay$2,001.99

Western Union

Pay via Debit Card
Fees: $0.00 1 AUD = 66.7041 INR Recipient gets ₹133,409.00 Next Day
Receive to bank account or cash pickup

Ways to receive money in India with Western Union when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 66.7041 INR
₹133,409.00You pay$2,000.00

Western Union

Pay via Bank Transfer
Fees: $0.00 1 AUD = 66.7041 INR Recipient gets ₹133,409.00 Next Day
Receive to bank account or cash pickup

Ways to receive money in India with Western Union when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 66.7041 INR
₹133,409.00You pay$2,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank Transfer
Fees: $3.00 1 AUD = 66.7584 INR Recipient gets ₹133,316.49 Within minutes
Fastest
Receive to bank account

Ways to receive money in India with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$3.001 AUD = 66.7584 INR
₹133,316.49You pay$2,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Wise

Pay via Bank Transfer
Fees: $9.70 1 AUD = 66.9512 INR Recipient gets ₹133,252.97 Within minutes
Recommended
Receive to bank accountDedicated support for large transfers

Ways to receive money in India with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$9.701 AUD = 66.9512 INR
₹133,252.97You pay$2,000.00

Wise

Pay via Osko
Fees: $9.70 1 AUD = 66.9512 INR Recipient gets ₹133,252.97 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in India with Wise when paying by osko.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$9.701 AUD = 66.9512 INR
₹133,252.97You pay$2,000.00

Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 66.5599 INR Recipient gets ₹133,119.84 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in India with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 66.5599 INR
₹133,119.84You pay$2,000.00

Xe

Pay via Bank Transfer
Fees: $0.00 1 AUD = 66.5599 INR Recipient gets ₹133,119.84 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in India with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 66.5599 INR
₹133,119.84You pay$2,000.00

Xe

Pay via Credit Card
Fees: $0.00 1 AUD = 66.5599 INR Recipient gets ₹133,119.84 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in India with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 66.5599 INR
₹133,119.84You pay$2,000.00

Wise

Pay via Debit Card
Fees: $15.23 1 AUD = 66.9512 INR Recipient gets ₹132,882.73 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in India with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$15.231 AUD = 66.9512 INR
₹132,882.73You pay$2,000.00

Panda Remit

Pay via Bank Transfer
Fees: $5.99 1 AUD = 66.6296 INR Recipient gets ₹132,860.09 6-12 Hours
0 reviews

Ways to receive money in India with Panda Remit when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$5.991 AUD = 66.6296 INR
₹132,860.09You pay$2,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit Card
Fees: $1.99 1 AUD = 66.4110 INR Recipient gets ₹132,822.00 6-12 Hours

Ways to receive money in India with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 HoursAvailable via:All Banks
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
UPI6-12 HoursAvailable via:UPI
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
Cash pickup6-12 Hours
$1.991 AUD = 66.4006 INR
₹132,801.20You pay$2,001.99
$0 fee on first online transfers

MoneyGram

Pay via POLi
Fees: $1.99 1 AUD = 66.4110 INR Recipient gets ₹132,822.00 6-12 Hours

Ways to receive money in India with MoneyGram when paying by poli.

MethodFee & ratesRecipient gets
UPI6-12 HoursAvailable via:UPI
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
Bank deposit6-12 HoursAvailable via:All Banks
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
Cash pickup6-12 Hours
$1.991 AUD = 66.4006 INR
₹132,801.20You pay$2,001.99
$0 fee on first online transfers

MoneyGram

Pay via Credit Card
Fees: $1.99 1 AUD = 66.4110 INR Recipient gets ₹132,822.00 6-12 Hours

Ways to receive money in India with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
UPI6-12 HoursAvailable via:UPI
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
Bank deposit6-12 HoursAvailable via:All Banks
$1.991 AUD = 66.4110 INR
₹132,822.00You pay$2,001.99
Cash pickup6-12 Hours
$1.991 AUD = 66.4006 INR
₹132,801.20You pay$2,001.99

Currencies Direct

Pay via Bank Transfer
Fees: $0.00 1 AUD = 66.3156 INR Recipient gets ₹132,631.20 6-12 Hours
Receive to bank account

Ways to receive money in India with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 66.3156 INR
₹132,631.20You pay$2,000.00

OrbitRemit

Pay via Bank Transfer
Fees: $0.00 1 AUD = 66.2697 INR Recipient gets ₹132,539.46 2 Days

Ways to receive money in India with OrbitRemit when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit2 Days
Free1 AUD = 66.2697 INR
₹132,539.46You pay$2,000.00
UPI2 Days
Free1 AUD = 66.2697 INR
₹132,539.46You pay$2,000.00

Ria Money Transfer

Pay via Credit Card
Fees: $2.89 1 AUD = 66.3134 INR Recipient gets ₹132,435.25 6-12 Hours

Ways to receive money in India with Ria Money Transfer when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
UPI6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
Cash pickup6-12 Hours
$2.891 AUD = 66.2758 INR
₹132,360.14You pay$2,000.00

Ria Money Transfer

Pay via Debit Card
Fees: $2.89 1 AUD = 66.3134 INR Recipient gets ₹132,435.25 6-12 Hours

Ways to receive money in India with Ria Money Transfer when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
UPI6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
Cash pickup6-12 Hours
$2.891 AUD = 66.2758 INR
₹132,360.14You pay$2,000.00

Ria Money Transfer

Pay via PayID
Fees: $2.89 1 AUD = 66.3134 INR Recipient gets ₹132,435.25 6-12 Hours

Ways to receive money in India with Ria Money Transfer when paying by payid.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
UPI6-12 Hours
$2.891 AUD = 66.3134 INR
₹132,435.25You pay$2,000.00
Cash pickup6-12 Hours
$2.891 AUD = 66.2758 INR
₹132,360.14You pay$2,000.00

Wise

Pay via Credit Card
Fees: $28.74 1 AUD = 66.9512 INR Recipient gets ₹131,978.22 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in India with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$28.741 AUD = 66.9512 INR
₹131,978.22You pay$2,000.00

NAB

Pay via Bank Transfer
Fees: $0.00 1 AUD = 65.1987 INR Recipient gets ₹130,397.30 3-5 Days
0 reviews

Ways to receive money in India with NAB when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit3-5 Days
Free1 AUD = 65.1987 INR
₹130,397.30You pay$2,000.00

OFX

Pay via Bank Transfer
Fees: $0.00 1 AUD = 0.0000 INR +0.65% vs mid-market Recipient gets ₹0.00 6-12 Hours
Receive to bank account

Ways to receive money in India with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 0.0000 INR
₹0.00You pay$2,000.00

How to send money from Australia to India

Pick a company

Start with the cheapest, which is Remitly at 135,980 INR on A$2,000.

Remitly was the cheapest on 15 of the 27 days it quoted A$2,000 transfers to India.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including bank transfer, debit card, credit card, payto, osko, poli, and payid.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to India?

How much AUD you send to India heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Remitly was the cheapest in 26% of the transfers up to A$2,000 it quoted, and in 33% of all the transfers it quoted.

Cheapest service
$1,000-2.45%$0.00₹68,641.00with debit card to bank deposit+₹2,098.33
$1,500-2.47%$0.00₹102,961.00with debit card to bank deposit+₹2,880.56
$2,000This page$0.00₹135,980.00with payto to bank deposit+₹8,208.77
$3,0000.26%$9.50₹199,569.97with bank transfer to bank deposit+₹279.49
$7,500-0.14%$1.99₹502,500.00with debit card to bank deposit+₹3,463.81
$10,000-0.05%$1.99₹670,000.00with debit card to bank deposit+₹4,577.44
$12,000-0.13%$1.99₹804,000.00with debit card to bank deposit+₹5,752.88
$15,000-0.13%$1.99₹1,005,000.00with debit card to bank deposit+₹7,204.84
$50,000-0.05%$1.99₹3,350,000.00with debit card to bank deposit+₹18,781.23
$100,000-0.05%$1.99₹6,700,000.00with debit card to bank deposit+₹42,788.60
$250,000-0.14%$1.99₹16,750,000.00with debit card to bank deposit+₹106,667.97
$500,0000.20%$0.00₹33,388,233.21with bank transfer to bank deposit+₹115,707.33
AUD/INR Exchange Rate History

Is today a good time to send money from Australia to India?

The cheapest way to send AUD to INR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 2,000 AUD transfers to India.

INR received for $2,000, after fees

Wed, 28 Oct 2026Mid-market rateNo quote Remitly ₹135,980.00 NAB ₹130,397.30Remitly₹135,980.00TapTap Send₹134,000.00Western Union₹133,409.00Extra cost of a bank₹5,582.70

126,000
128,000
130,000
132,000
134,000
136,000
138,000
At the mid-market rateWith the cheapest optionWith a bankRemitlyTapTap SendWestern Union
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.0815 – ₹134,163.02
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹2,463.95
TapTap Send 67.3400 $1.99 ₹134,680.00 +₹516.98
Western Union 67.3073 $0.00 ₹134,615.00 +₹451.98
Remitly 67.1600 $0.00 ₹134,320.00 +₹156.98
NAB 65.0640 $0.00 ₹130,127.94 −₹4,035.08
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.9813 – ₹133,962.59
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹2,664.38
TapTap Send 67.0000 $1.99 ₹134,000.00 +₹37.41
Remitly 66.9500 $0.00 ₹133,900.00 −₹62.59
Western Union 66.8793 $0.00 ₹133,759.00 −₹203.59
NAB 65.1589 $0.00 ₹130,317.72 −₹3,644.87
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.7286 – ₹133,457.28
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹3,169.70
TapTap Send 66.7300 $1.99 ₹133,460.00 +₹2.72
Remitly 66.6500 $0.00 ₹133,300.00 −₹157.28
Western Union 66.4791 $0.00 ₹132,959.00 −₹498.28
NAB 65.1589 $0.00 ₹130,317.72 −₹3,139.56
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.7143 – ₹133,428.50
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹3,198.47
TapTap Send 67.0000 $1.99 ₹134,000.00 +₹571.50
Remitly 66.8000 $0.00 ₹133,600.00 +₹171.50
Western Union 66.4430 $0.00 ₹132,886.00 −₹542.50
NAB 65.1345 $0.00 ₹130,268.91 −₹3,159.59
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.6197 – ₹133,239.46
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹3,387.51
TapTap Send 67.1500 $1.99 ₹134,300.00 +₹1,060.54
Remitly 66.9600 $0.00 ₹133,920.00 +₹680.54
Western Union 66.5677 $0.00 ₹133,136.00 −₹103.46
NAB 64.5807 $0.00 ₹129,161.40 −₹4,078.06
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.7439 – ₹133,487.87
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹3,139.10
TapTap Send 67.1500 $1.99 ₹134,300.00 +₹812.13
Western Union 66.5677 $0.00 ₹133,136.00 −₹351.87
NAB 64.5807 $0.00 ₹129,161.40 −₹4,326.47
Remitly No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.8043 – ₹133,608.54
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹3,018.43
TapTap Send 67.1500 $1.99 ₹134,300.00 +₹691.46
Remitly 66.8400 $0.00 ₹133,680.00 +₹71.46
Western Union 66.7802 $0.00 ₹133,561.00 −₹47.54
NAB 65.1173 $0.00 ₹130,234.63 −₹3,373.91
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.1494 – ₹134,298.89
Remitly Cheapest 67.1600 $0.00 ₹134,320.00 +₹21.11
TapTap Send 67.1500 $1.99 ₹134,300.00 +₹1.11
Western Union 67.0128 $0.00 ₹134,026.00 −₹272.89
NAB 65.3956 $0.00 ₹130,791.13 −₹3,507.76
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.3745 – ₹134,748.99
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹1,877.99
TapTap Send 67.3200 $1.99 ₹134,640.00 −₹108.99
Remitly 67.3100 $0.00 ₹134,620.00 −₹128.99
Western Union 67.0804 $0.00 ₹134,161.00 −₹587.99
NAB 65.3956 $0.00 ₹130,791.13 −₹3,957.86
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.2667 – ₹134,533.31
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹2,093.66
Western Union 67.1449 $0.00 ₹134,290.00 −₹243.31
Remitly No quote collected this day – – – –
TapTap Send No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.4653 – ₹134,930.58
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹1,696.39
Remitly 67.3500 $0.00 ₹134,700.00 −₹230.58
TapTap Send 67.3200 $1.99 ₹134,640.00 −₹290.58
Western Union 67.1429 $0.00 ₹134,286.00 −₹644.58
NAB 65.7154 $0.00 ₹131,430.72 −₹3,499.86
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.4138 – ₹134,827.62
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹1,799.35
TapTap Send 67.5500 $1.99 ₹135,100.00 +₹272.38
Remitly 67.5400 $0.00 ₹135,080.00 +₹252.38
Western Union 67.3073 $0.00 ₹134,615.00 −₹212.62
NAB 65.7154 $0.00 ₹131,430.72 −₹3,396.90
Exchange rateFees:Recipient getsDifference
Mid-market rate 67.4138 – ₹134,827.62
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹1,799.35
Remitly 67.5600 $0.00 ₹135,120.00 +₹292.38
TapTap Send 67.5500 $1.99 ₹135,100.00 +₹272.38
Western Union 67.3073 $0.00 ₹134,615.00 −₹212.62
NAB 65.2640 $0.00 ₹130,528.00 −₹4,299.62
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.8888 – ₹133,777.59
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹2,849.38
TapTap Send 67.5500 $1.99 ₹135,100.00 +₹1,322.41
Remitly 66.8300 $0.00 ₹133,660.00 −₹117.59
Western Union 66.7249 $0.00 ₹133,450.00 −₹327.59
NAB 65.0630 $0.00 ₹130,126.07 −₹3,651.52
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.2497 – ₹132,499.34
Panda Remit Cheapest 68.5187 $5.99 ₹136,626.97 +₹4,127.64
Remitly 67.4200 $0.00 ₹134,840.00 +₹2,340.66
TapTap Send 66.5000 $1.99 ₹133,000.00 +₹500.66
Western Union 66.1190 $0.00 ₹132,239.00 −₹260.34
NAB 64.6299 $0.00 ₹129,259.76 −₹3,239.58
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Remitly Cheapest 67.5900 $0.00 ₹135,180.00 –
TapTap Send 66.5000 $1.99 ₹133,000.00 –
Western Union 66.2958 $0.00 ₹132,592.00 –
NAB 64.8630 $0.00 ₹129,725.91 –
Exchange rateFees:Recipient getsDifference
Mid-market rate 65.8843 – ₹131,768.67
Western Union Cheapest 66.0608 $0.00 ₹132,122.00 +₹353.33
TapTap Send 66.0000 $1.99 ₹132,000.00 +₹231.33
NAB 64.8630 $0.00 ₹129,725.91 −₹2,042.76
Remitly No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.0318 – ₹132,063.69
Remitly Cheapest 67.0900 $0.00 ₹134,180.00 +₹2,116.31
TapTap Send 66.0000 $1.99 ₹132,000.00 −₹63.69
Western Union 65.4119 $0.00 ₹130,824.00 −₹1,239.69
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.1340 – ₹132,267.94
Remitly Cheapest 67.0000 $0.00 ₹134,000.00 +₹1,732.06
TapTap Send 66.0000 $1.99 ₹132,000.00 −₹267.94
Western Union 63.8976 $0.00 ₹127,796.00 −₹4,471.94
NAB 63.6862 $0.00 ₹127,372.40 −₹4,895.54
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.1340 – ₹132,267.94
Remitly Cheapest 67.0000 $0.00 ₹134,000.00 +₹1,732.06
TapTap Send 66.0000 $1.99 ₹132,000.00 −₹267.94
Western Union 63.8976 $0.00 ₹127,796.00 −₹4,471.94
NAB 63.6862 $0.00 ₹127,372.40 −₹4,895.54
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Remitly Cheapest 67.0900 $0.00 ₹134,180.00 –
TapTap Send 66.0000 $1.99 ₹132,000.00 –
Western Union 65.8739 $0.00 ₹131,748.00 –
NAB 64.3978 $0.00 ₹128,795.65 –
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.2671 – ₹132,534.21
Remitly Cheapest 67.3400 $0.00 ₹134,680.00 +₹2,145.79
TapTap Send 66.2500 $1.99 ₹132,500.00 −₹34.21
Western Union 66.0659 $0.00 ₹132,132.00 −₹402.21
NAB 64.3978 $0.00 ₹128,795.65 −₹3,738.56
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.4560 – ₹132,911.98
Remitly Cheapest 67.5400 $0.00 ₹135,080.00 +₹2,168.02
TapTap Send 66.5000 $1.99 ₹133,000.00 +₹88.02
Western Union 66.1150 $0.00 ₹132,230.00 −₹681.98
NAB 64.7435 $0.00 ₹129,487.02 −₹3,424.96
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.4757 – ₹132,951.48
Remitly Cheapest 67.4900 $0.00 ₹134,980.00 +₹2,028.52
TapTap Send 66.4000 $1.99 ₹132,800.00 −₹151.48
Western Union 66.1838 $0.00 ₹132,368.00 −₹583.48
NAB 64.7135 $0.00 ₹129,426.91 −₹3,524.57
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.6383 – ₹133,276.69
Remitly Cheapest 67.7000 $0.00 ₹135,400.00 +₹2,123.31
TapTap Send 66.6000 $1.99 ₹133,200.00 −₹76.69
Western Union 66.3725 $0.00 ₹132,745.00 −₹531.69
NAB 64.7135 $0.00 ₹129,426.91 −₹3,849.78
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.2340 – ₹132,467.96
Remitly Cheapest 67.6500 $0.00 ₹135,300.00 +₹2,832.04
TapTap Send 66.5500 $1.99 ₹133,100.00 +₹632.04
Western Union 66.5274 $0.00 ₹133,055.00 +₹587.04
NAB 64.4538 $0.00 ₹128,907.60 −₹3,560.36
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.2340 – ₹132,467.96
Remitly Cheapest 67.6500 $0.00 ₹135,300.00 +₹2,832.04
TapTap Send 66.5500 $1.99 ₹133,100.00 +₹632.04
Western Union 66.5274 $0.00 ₹133,055.00 +₹587.04
NAB 64.4538 $0.00 ₹128,907.60 −₹3,560.36
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.8940 – ₹133,787.93
Remitly Cheapest 67.6500 $0.00 ₹135,300.00 +₹1,512.07
Western Union 66.6248 $0.00 ₹133,250.00 −₹537.93
TapTap Send 66.5500 $1.99 ₹133,100.00 −₹687.93
NAB 65.1252 $0.00 ₹130,250.44 −₹3,537.49
Exchange rateFees:Recipient getsDifference
Mid-market rate 66.7650 – ₹133,530.08
Remitly Cheapest 67.8300 $0.00 ₹135,660.00 +₹2,129.92
TapTap Send 66.8000 $1.99 ₹133,600.00 +₹69.92
Western Union 66.6637 $0.00 ₹133,328.00 −₹202.08
NAB 65.0050 $0.00 ₹130,010.06 −₹3,520.02
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Remitly Cheapest 67.9900 $0.00 ₹135,980.00 –
TapTap Send 67.0000 $1.99 ₹134,000.00 –
Western Union 66.7041 $0.00 ₹133,409.00 –
NAB 65.1987 $0.00 ₹130,397.30 –

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more INR per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 27 of the last 30 days.

Today's payout isn't the best this month though, since the highest receive amount was 136,626.97 INR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to India.

We've tracked 346 comparisons to check how often today's top companies were the cheapest across 12 amounts over the past month.

  1. RemitlyAppeared in 94 comparisons

    Cheapest in 33% of them

  2. TapTap SendAppeared in 326 comparisons

    Cheapest in 30% of them

  3. Western UnionAppeared in 170 comparisons

    Cheapest in 31% of them

  4. NABAppeared in 110 comparisons

    Never the cheapest

Based on 346 comparisons across 12 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

TapTap Send (today's second cheapest) was the cheapest in only 30% of its comparisons, so it's rarely the cheapest option for transfers to India.

Ways to send money from Australia to India

13 money transfer companies let you send money from Australia to India.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to India.

For example, sending A$2,000 with Remitly will get you 135,980 INR after a A$0 fee and % markup.

In our comparisons over the past month, it was the cheapest online service on 15 of the 27 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Remitly takes A$0 in fees and % markup on a A$2,000 transfer, and your INR arrives in within a week.

Over the past month, Remitly was the cheapest app on 56% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get % on AUD/INR, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 49% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in INR, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and INR in one account, and convert when the rate suits you.

Revolut converts A$2,000 at % markup, and the INR sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 60% of days.

Most useful if you travel often to India, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds % markup and delivers 130,397.3 INR, against 135,980 INR via Remitly (the cheapest option).

We found NAB was the cheapest bank on 28 of the 28 days it appeared for this amount.

Ways to fund AUD and receive money in India

With Remitly, paying by payto and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 135,980 INR.

Our data shows that Remitly gets your recipient 5,582.7 INR more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, payto, osko, poli, and payid.

You can pay with payid

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in India can collect INR through bank deposit, upi, and cash pickup.

They can collect cash via Remitly

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in India.

  1. 1
    Payto Bank deposit

    You pay A$2,000.00

    ₹135,980

    Cheapest

  2. 2
    Payto Cash pickup

    You pay A$2,000.00

    ₹135,980

    ₹0

  3. 3
    Payto Upi

    You pay A$2,000.00

    ₹135,980

    ₹0

  4. 4
    Debit card Bank deposit

    You pay A$2,000.00

    ₹134,620

    -₹1,360

  5. 5
    Debit card Cash pickup

    You pay A$2,000.00

    ₹134,620

    -₹1,360

Show moreShow less
  1. 6
    Debit card Upi

    You pay A$2,000.00

    ₹134,620

    -₹1,360

  2. 7
    Credit card Bank deposit

    You pay A$2,000.00

    ₹134,620

    -₹1,360

  3. 8
    Credit card Cash pickup

    You pay A$2,000.00

    ₹134,620

    -₹1,360

  4. 9
    Credit card Upi

    You pay A$2,000.00

    ₹134,620

    -₹1,360

  5. 10
    Bank transfer Bank deposit

    You pay A$2,000.00

    ₹133,409

    -₹2,571

  6. 11
    Osko Bank deposit

    You pay A$2,000.00

    ₹133,253

    -₹2,727

  7. 12
    Poli Upi

    You pay A$2,001.99

    ₹132,822

    -₹3,158

  8. 13
    Poli Bank deposit

    You pay A$2,001.99

    ₹132,822

    -₹3,158

  9. 14
    Poli Cash pickup

    You pay A$2,001.99

    ₹132,801

    -₹3,179

  10. 15
    Bank transfer Upi

    You pay A$2,000.00

    ₹132,539

    -₹3,441

  11. 16
    Payid Bank deposit

    You pay A$2,000.00

    ₹132,435

    -₹3,545

  12. 17
    Payid Upi

    You pay A$2,000.00

    ₹132,435

    -₹3,545

  13. 18
    Payid Cash pickup

    You pay A$2,000.00

    ₹132,360

    -₹3,620

Consider this before sending AUD to India

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/INR transfer options

For a A$2,000 transfer to India, these are the best options right now:

Cheapest

Remitly is cheapest when funded by payto with bank deposit for the payout. Your recipient gets 135,980 INR, which is 1.46% more than the next best option.

Fastest

Revolut delivers 133,316.49 INR in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in India.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in India.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 13 companies sending AUD to India, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 346 comparisons across 12 amounts.

This page covers the cheapest and fastest options for AUD/INR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.