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Send money from Australia to India

Live mid-market rate*: 1 AUD = 55.269115 INR
Top provider

Total Amount Received (INR)

Fees: 0
Rate: 54.77
Debit Card:
1-2 Hours
Bank Transfer:
1-2 Hours
Credit Card:
1-2 Hours

Compare other providers


Total Amount Received (INR)

Rate: 55.05
Debit Card:
Credit Card:
Bank Transfer:

Total Amount Received (INR)

Fees: 13.96
Rate: 55.43
Credit Card:
Next Day
Debit Card:
Next Day
Bank Transfer:
Next Day

Total Amount Received (INR)

Fees: 12
Rate: 53.61
Debit Card:
3-5 Days

Total Amount Received (INR)

Fees: 10
Rate: 53.47
Bank Transfer:
3-5 Days
Debit Card:
3-5 Days
Mid-market rate updates every 3 hours

Best ways to send money to India from Australia

  • 🏅 The overall best way to send AUD to India: XE

  • 💲 The cheapest way to send money to India from Australia: WorldRemit

  • ⏲️ The fastest way to send money to India from Australia: WorldRemit

  • 🏦 The best way to send money from Australia to India via a bank transfer: XE

  • 💳 The best provider for credit card transfers from Australia to India: XE

  • 💳 The best provider for debit card transfers from Australia to India: XE


India has been the largest recipient of remittances on record since 2008, and in 2020 the country reported a remittances inflow of 83 billion USD. The nation’s official currency is the Indian rupee which translates to silver or coin in Sanskrit. The ISO (International Organization for Standardization) code for Indian rupees is INR 356 and Mahatma Gandhi has featured on banknotes since the trademark series was first introduced by The Reserve Bank of India (RBI) in 1996.

In 2019 India ranked 5th in terms of total Gross Domestic Product and number 11 in total imports, which includes personal remittances. Due to the demand of Indian money transfers, most leading service providers will offer fair exchange rates for AUD to INR: use our comparison engine to find the best deal for you.

Choosing the best service provider

When considering how to send money India from Australia there are some key aspects of the transfer to consider.

The cheapest provider we found is WorldRemit at 54.77% Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using XE when transferring AUD to INR.

This means that by using XE for online money transfers to India from Australia, you are likely to save on transfer fees and benefit from fast speeds - so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access XE for any reason, our comparison engine has found WorldRemit and Wise also to be very good options when sending AUD - INR.

This recommendation was updated one minute ago.

The cheapest way to send money from Australia to India

In order to avoid high fees, you should consider the cheapest way to send from Australia to India.

WorldRemit has been determined by our comparison engine to be currently offering you the cheapest rates possible.

Get the Best Rate and Sign Up for Rate Alerts Australia to India

The fastest way to send money from Australia to India

When sending money from Australia to India, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers. Currently, WorldRemit is the fastest way to send AUD - INR.

What payment methods are available when sending money from Australia to India?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to India from Australia using credit card

To avoid high fees you can opt to use an online money transfer provider such as XE to pay for your transfer to India.

Sending money to India from Australia using a debit card

With XE you can send money online to India using your debit card. But before making a payment, make sure you understand all the processing fees in place.

Using a wire transfer to send money from Australia to India

Bank and wire transfers are the most common ways of sending money India as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use XE to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

If you want to make an international transfer using wire transfer, you will need to know the SWIFT/BIC code of your recipient in India. If you're unsure what it is, check out our SWIFT calculator to figure out the correct SWIFT code in India.

When sending money to India from Australia using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as XE, WorldRemit and Wise.

Considerations for a AUD - INR Currency Transfer

Before sending money to India from Australia, you should consider the following:

  1. The amount you want to transfer: It is likely that the more money you send to India the more value you will get and more INR the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.

  2. The AUD - INR exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 55.269115 and the lowest exchange rate margin is currently offered by XE at 54.77% above the mid market rate.

  3. Hidden fees & charges: Before sending money to India, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers XE, WorldRemit and Wise will give insight here.

How to send money from Australia to India at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send AUD to INR. After that it’s just a process of making your transfer via the following steps:

  1. Click “Visit Site” inside our comparison table

  2. Register for an account if required

  3. Input how much you are willing to send

  4. Fund your transfer

  5. Receive & save an email confirming your transfer

How to receive transfers from AUD to INR in India?

Your recipient has a few methods available to receive your money in India. These will vary between providers, but it is possible to find services that will:

  • Deposit INR directly into a bank account

  • Enable the recipient to pick up cash a specific locations across India

  • Deliver money directly to their door

  • Send INR to your recipient’s mobile wallet

If your recipient is going to collect or have the money delivered to them in India, then they will usually need the following:

  • A government issued I.D document such as passport, Aadhaar card or Electoral Photo Identity Card (EPIC)

  • The money transfer reference number

  • Senders details and the amount of money sent

How much money can be transferred from Australia to India?

The amount of INR you can receive from Australia will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers.

You should also check if there are any government regulations pertaining to the amount of INR that can be received in India or sent from Australia before making your transfer.

About Money Transfers to India from Australia

We’ve compared the best money transfer providers to send money from Australia to India. The cheapest provider for AUD to INR transfers is WorldRemit, while the fastest is WorldRemit.

💰 Most transferred amount1000INR +
💸 Cheapest provider (on average)WorldRemit
⚡ ️Fastest transfer timeIn minutes with WorldRemit
💱 Currency Transfer PairAUD - INR
📈 AUD - INR mid market rate55.269115
💳 Pay-in options in AustraliaBank transfer from Australia with XE, Debit card with XE, Credit card with XE
💵 Pay-out options in IndiaBank accounts in India, Debit card
🏆 Top 3 AUD - INR providersXE, WorldRemit and Wise

Frequently Asked Questions

What is an IFSC and will I need one to send money from Australia to India?
What is an FIRC code and will I need one to send money from Australia to India?
What is the difference between an NRO and NRE account?