Xe is the best and cheapest service overall. On €7,000 you will get 772,588.6 INR after fees and the exchange rate.
We’ve compared 12 money transfer companies in more detail below.
| 12 of 12 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/INR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €40.69 1 EUR = 109.1920 INR +0.03% vs mid-market | Recipient gets ₹759,900.98 Within minutes | |
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €40.691 EUR = 109.1920 INR ₹759,900.98You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 110.3698 INR -1.04% vs mid-market | Recipient gets ₹772,588.60 Minutes - 24 hours | |
Ways to receive money in India with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 110.3698 INR ₹772,588.60You pay€7,000.00 | |||
Run a live search Showing top Germany to India deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to INR rates. | |||
Run a live search These companies offer multi-currency accounts for spending INR. We suggest doing a live search based on how much EUR you're planning to spend in India. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 110.3698 INR -1.04% vs mid-market | Recipient gets ₹772,588.60 Minutes - 24 hours | |
Ways to receive money in India with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 110.3698 INR ₹772,588.60You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 110.3698 INR -1.04% vs mid-market | Recipient gets ₹772,588.60 Minutes - 24 hours | |
Ways to receive money in India with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 110.3698 INR ₹772,588.60You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 110.3698 INR -1.04% vs mid-market | Recipient gets ₹772,588.60 Minutes - 24 hours | |
Ways to receive money in India with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 110.3698 INR ₹772,588.60You pay€7,000.00 | |||
 Profee Pay via Debit card | Fee €0.00 1 EUR = 110.1201 INR -0.81% vs mid-market | Recipient gets ₹770,840.40 Minutes - 24 hours | |
Ways to receive money in India with Profee when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 Bank depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 | |||
| Profee Pay via Bank transfer | Fee €0.00 1 EUR = 110.1201 INR -0.81% vs mid-market | Recipient gets ₹770,840.40 Minutes - 24 hours | |
Ways to receive money in India with Profee when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 Card depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 | |||
| Profee Pay via Klarna | Fee €0.00 1 EUR = 110.1201 INR -0.81% vs mid-market | Recipient gets ₹770,840.40 Minutes - 24 hours | |
Ways to receive money in India with Profee when paying by klarna. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 Bank depositMinutes - 24 hours Free1 EUR = 110.1201 INR ₹770,840.40You pay€7,000.00 | |||
 Aspora Pay via Bank transfer | Fee €3.00 1 EUR = 109.2278 INR 0.00% vs mid-market | Recipient gets ₹764,267.04 Minutes - 24 hours | |
Ways to receive money in India with Aspora when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.001 EUR = 109.2278 INR ₹764,267.04You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 108.9329 INR +0.27% vs mid-market | Recipient gets ₹762,530.31 Minutes - 24 hours | |
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 108.9329 INR ₹762,530.31You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 108.9001 INR +0.30% vs mid-market | Recipient gets ₹762,300.93 Minutes - 24 hours | |
Ways to receive money in India with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 108.9001 INR ₹762,300.93You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 108.6817 INR +0.50% vs mid-market | Recipient gets ₹760,771.75 Minutes - 24 hours | |
Ways to receive money in India with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 108.6817 INR ₹760,771.75You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €40.69 1 EUR = 109.1920 INR +0.03% vs mid-market | Recipient gets ₹759,900.98 Within minutes | |
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €40.691 EUR = 109.1920 INR ₹759,900.98You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 108.5300 INR +0.64% vs mid-market | Recipient gets ₹759,710.00 Minutes - 24 hours | |
Ways to receive money in India with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 108.5300 INR ₹759,710.00You pay€7,009.99 UPIMinutes - 24 hoursAvailable via:UPI €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 108.5300 INR +0.64% vs mid-market | Recipient gets ₹759,710.00 Minutes - 24 hours | |
Ways to receive money in India with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 108.5300 INR ₹759,710.00You pay€7,009.99 UPIMinutes - 24 hoursAvailable via:UPI €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 | |||
 TapTap Send Pay via Debit card | Fee €1.99 1 EUR = 108.5000 INR +0.67% vs mid-market | Recipient gets ₹759,500.00 Minutes | |
Ways to receive money in India with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes €1.991 EUR = 108.5000 INR ₹759,500.00You pay€7,001.99 UPIMinutesAvailable via:UPI €1.991 EUR = 108.5000 INR ₹759,500.00You pay€7,001.99 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.10 1 EUR = 108.4324 INR +0.73% vs mid-market | Recipient gets ₹758,906.80 Minutes - 24 hours | |
Ways to receive money in India with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.101 EUR = 108.4324 INR ₹758,906.80You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €50.80 1 EUR = 109.1920 INR +0.03% vs mid-market | Recipient gets ₹758,797.05 Within minutes | |
Ways to receive money in India with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €50.801 EUR = 109.1920 INR ₹758,797.05You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 108.3707 INR +0.79% vs mid-market | Recipient gets ₹758,594.90 Minutes - 24 hours | |
Ways to receive money in India with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 108.3707 INR ₹758,594.90You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 108.8968 INR +0.30% vs mid-market | Recipient gets ₹757,867.47 Within minutes | |
Ways to receive money in India with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €40.501 EUR = 108.8968 INR ₹757,867.47You pay€7,000.00 | |||
| 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 Debit card | Fee €95.61 1 EUR = 109.1920 INR +0.03% vs mid-market | Recipient gets ₹753,904.15 Within minutes | |
Ways to receive money in India with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €95.611 EUR = 109.1920 INR ₹753,904.15You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €137.59 1 EUR = 109.1920 INR +0.03% vs mid-market | Recipient gets ₹749,320.27 Within minutes | |
Ways to receive money in India with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €137.591 EUR = 109.1920 INR ₹749,320.27You pay€7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 107.0014 INR +2.06% vs mid-market | Recipient gets ₹749,009.80 Minutes - 24 hours | |
Ways to receive money in India with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 UPIMinutes - 24 hoursAvailable via:UPI €9.991 EUR = 107.0014 INR ₹749,009.80You pay€7,009.99 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 108.8968 INR +0.30% vs mid-market | Recipient gets ₹741,478.50 Within minutes | |
Ways to receive money in India with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 108.8968 INR ₹741,478.50You pay€7,000.00 | |||
| 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. | |||
| How Our Results Work Mid-market rate: 1 EUR = 109.2278 INR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most INR.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/INR rate.
You have 6 ways to pay, including bank transfer, debit card, credit card, debit card, klarna, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
How much EUR 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €800 | -0.78% | €0.00 | ₹88,092.90with debit card to card deposit | +₹1,164.99 | |
| €1,000 | -1.01% | €0.00 | ₹110,369.80with debit card to bank deposit | +₹1,525.24 | |
| €7,000This page | -1.04% | €0.00 | ₹772,588.60with debit card to bank deposit | +₹11,367.83 | |
| €9,000 | -1.00% | €0.00 | ₹993,328.20with debit card to bank deposit | +₹14,461.75 |
Mid-market rate: 1 EUR = 109.2278 INR
There are 12 companies for sending money from Germany to India, across app, broker, online, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to India gets you 772,588.6 INR with a €0 fee and -1.04% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to India.
For large transfers from Germany
For buying property, moving to India, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -1.04% on EUR/INR which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to India.
Be it overseas suppliers and contractors, receiving INR payments, or holding INR and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and INR in one account.
You get INR bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert INR to EUR or EUR to INR whenever you need.
The best multi currency account is Wise, it adds ~0.03% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 772,588.6 INR.
You can pay for the transfer using bank transfer, debit card, credit card, debit card, klarna, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to India.
The recipient in India can receive INR by bank deposit, card deposit, upi, and cash pickup.
To receive INR by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in India
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
₹772,589
Cheapest
You pay €7,000.00
₹772,589
₹0
You pay €7,000.00
₹772,589
₹0
You pay €7,000.00
₹770,840
-₹1,748
You pay €7,000.00
₹770,840
-₹1,748
You pay €7,000.00
₹770,840
-₹1,748
You pay €7,000.00
₹770,840
-₹1,748
You pay €7,000.00
₹770,840
-₹1,748
You pay €7,009.99
₹759,710
-₹12,879
You pay €7,009.99
₹759,710
-₹12,879
You pay €7,001.99
₹759,500
-₹13,089
You pay €7,000.00
₹758,797
-₹13,792
You pay €7,009.99
₹749,010
-₹23,579
You pay €7,009.99
₹749,010
-₹23,579
You pay €7,009.99
₹749,010
-₹23,579
You pay €7,009.99
₹749,010
-₹23,579
You pay €7,009.99
₹749,010
-₹23,579
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to India, these are the best options:
Cheapest way to send money to India
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 772,588.6 INR, which is 0.23% more than the next best option.
Fastest way to send money to India
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 757,867.47 INR in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into INR sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/INR rate can move noticeably within a week, changing the amount your recipient gets in INR.
Mid-market rate:1 EUR = 109.167166 INR
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 12 of them on EUR to India, comparing rates, fees and the pay-in and payout options.
More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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