Usually the cheapest
Online transfers
Companies like Xe will get you 772,356.2 INR on €7,000 transfer.
If it's the only time you send money to India, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to India from Finland with the best EUR-INR rate
We’ve compared and analysed 11 money transfer companies in Finland.
| 11 of 11 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 = 109.1640 INR +0.01% vs mid-market | Recipient gets ₹759,706.12 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 = 109.1640 INR ₹759,706.12You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 110.3366 INR -1.06% vs mid-market | Recipient gets ₹772,356.20 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 = 110.3366 INR ₹772,356.20You pay€7,000.00 | |||
Run a live search Showing top Finland 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 = 110.3366 INR -1.06% vs mid-market | Recipient gets ₹772,356.20 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 = 110.3366 INR ₹772,356.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 110.3366 INR -1.06% vs mid-market | Recipient gets ₹772,356.20 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 = 110.3366 INR ₹772,356.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 110.3366 INR -1.06% vs mid-market | Recipient gets ₹772,356.20 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 = 110.3366 INR ₹772,356.20You pay€7,000.00 | |||
 Profee Pay via Debit card | Fee €0.00 1 EUR = 110.0336 INR -0.78% vs mid-market | Recipient gets ₹770,234.85 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 = 110.0336 INR ₹770,234.85You pay€7,000.00 Bank depositMinutes - 24 hours Free1 EUR = 110.0336 INR ₹770,234.85You pay€7,000.00 | |||
| Profee Pay via Bank transfer | Fee €0.00 1 EUR = 110.0336 INR -0.78% vs mid-market | Recipient gets ₹770,234.85 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 = 110.0336 INR ₹770,234.85You pay€7,000.00 Card depositMinutes - 24 hours Free1 EUR = 110.0336 INR ₹770,234.85You pay€7,000.00 | |||
| Profee Pay via Klarna | Fee €0.00 1 EUR = 110.0336 INR -0.78% vs mid-market | Recipient gets ₹770,234.85 Minutes - 24 hours | |
Ways to receive money in India with Profee when paying by klarna. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 110.0336 INR ₹770,234.85You pay€7,000.00 Bank depositMinutes - 24 hours Free1 EUR = 110.0336 INR ₹770,234.85You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 108.8811 INR +0.27% vs mid-market | Recipient gets ₹762,167.91 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 = 108.8811 INR ₹762,167.91You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 108.8484 INR +0.30% vs mid-market | Recipient gets ₹761,938.64 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 = 108.8484 INR ₹761,938.64You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 108.6300 INR +0.50% vs mid-market | Recipient gets ₹760,410.18 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 = 108.6300 INR ₹760,410.18You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €1.99 1 EUR = 108.5924 INR +0.54% vs mid-market | Recipient gets ₹759,931.05 Minutes - 2 days | |
Ways to receive money in India with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €1.991 EUR = 108.5924 INR ₹759,931.05You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €40.69 1 EUR = 109.1640 INR +0.01% vs mid-market | Recipient gets ₹759,706.12 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 = 109.1640 INR ₹759,706.12You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €1.99 1 EUR = 108.5000 INR +0.62% 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 | |||
| Wise Pay via iDEAL/WERO | Fee €50.80 1 EUR = 109.1640 INR +0.01% vs mid-market | Recipient gets ₹758,602.47 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 = 109.1640 INR ₹758,602.47You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.10 1 EUR = 108.3733 INR +0.74% vs mid-market | Recipient gets ₹758,493.10 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 = 108.3733 INR ₹758,493.10You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 108.3409 INR +0.77% vs mid-market | Recipient gets ₹758,386.30 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 = 108.3409 INR ₹758,386.30You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 108.8898 INR +0.26% vs mid-market | Recipient gets ₹754,552.03 Within minutes | |
Ways to receive money in India with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 108.8898 INR ₹754,552.03You 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 = 109.1640 INR +0.01% vs mid-market | Recipient gets ₹753,710.83 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 = 109.1640 INR ₹753,710.83You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €137.59 1 EUR = 109.1640 INR +0.01% vs mid-market | Recipient gets ₹749,128.13 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 = 109.1640 INR ₹749,128.13You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 108.8898 INR +0.26% vs mid-market | Recipient gets ₹738,164.11 Within minutes | |
Ways to receive money in India with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 108.8898 INR ₹738,164.11You 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 = 109.1759 INR Updates every 60 minutes. | |||
Transfer details
How to send money from Finland to India
Pick a company
For a one-off transfer to India, start with Xe.
On a 7,000 EUR transfer, Xe delivers the most INR.
The cheapest option depends on the amount, so I suggest to get the best EUR/INR rate.
Fund your transfer
You have 6 ways to pay, including bank transfer, debit card, credit card, debit card, klarna, and ideal.
Select how you want the recipient to pick up the money. For transfers to India they can receive it via bank deposit, card deposit, and upi.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to India
11 companies send money from Finland to India, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Xe charges €0 on a €7,000 transfer, and 772,356.2 INR arrives in minutes - 24 hours.
In India they can receive money via bank deposit, card deposit, and upi.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and INR balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to INR with Wise gets you 759,706.12 INR (€40.69 in fees and 0.01% markup).
This is especially useful travel since you are spending in INR (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to India.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to India. They charge no fees and add a markup on the rate.
Xe charges no fee but adds -1.06% markup on top of the EUR/INR rate.
Ways to fund EUR and receive INR in India
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 772,356.2 INR.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, debit card, klarna, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to India directly.
For withdrawals in India, use bank deposit, card deposit, and upi.
Receive INR
The name should match the account holder's bank record, so double check it before sending.
- 1 Debit card Bank deposit
You pay €7,000.00
₹772,356
Cheapest
- 2 Bank transfer Bank deposit
You pay €7,000.00
₹772,356
₹0
- 3 Credit card Bank deposit
You pay €7,000.00
₹772,356
₹0
- 4 Bank transfer Card deposit
You pay €7,000.00
₹770,235
-₹2,121
- 5 Debit card Card deposit
You pay €7,000.00
₹770,235
-₹2,121
Show moreShow less
- 6 Debit card Bank deposit
You pay €7,000.00
₹770,235
-₹2,121
- 7 Klarna Card deposit
You pay €7,000.00
₹770,235
-₹2,121
- 8 Klarna Bank deposit
You pay €7,000.00
₹770,235
-₹2,121
- 9 Debit card Upi
You pay €7,001.99
₹759,500
-₹12,856
- 10 Ideal Bank deposit
You pay €7,000.00
₹758,602
-₹13,754
What to consider before sending money from Finland to India
For a transfer from Finland, compare the INR received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/INR transfer options
Compare EUR/INR transfer options
For a €7,000 transfer to India, these are the current cheapest, fastest and easiest options.
Cheapest
Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 772,356.2 INR, which is 0.27% more than the next best option.
Fastest
Revolut delivers 754,552.03 INR in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in India.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to India
The exchange rate has a direct impact on how much INR your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 109.151231 INR
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 11 of them on EUR to India, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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