How to send money to India from Australia: the best methods in 2026

Not all money transfer services are created equal. Some charge flat fees, others take a cut on the exchange rate, and a few do both.

Knowing the best way to send money to India from Australia is a big help if you're looking to move your money without the burden of additional costs or long wait times.

Whether you're supporting family in Mumbai, paying for a property in Delhi, or sending a gift to a friend in Bengaluru, moving your money shouldn't be a headache. At Revolut, we help you manage your payments with clarity.

This guide ranks the best options so you know exactly where your money's going. Send money to India now, or read on to get a full overview of how it works and discover our competitive rates.

Want to reverse the route? Check out our guide to sending money to Australia from India.

How to send money to India from Australia: a step-by-step guide

If you're looking for the easiest way to get your money across the border, follow these simple steps:

1. Pick your provider: you can send via your bank, a digital money transfer app, or a cash pickup service
2. Compare the total cost: look at the exchange rate and the transfer fee combined, not just the headline price
3. Gather recipient details: you'll need their full name and bank details, including their 11-digit IFSC code
4. Confirm and send: enter the amount in AUD, check the converted INR amount, and make the payment

What to consider when sending an international transfer from Australia to India

When you're planning a transfer to India, it's worth considering the specific landscape of Indian banking. India is one of the world's largest recipients of remittance payments, meaning systems are highly developed but have specific requirements.

Fees vs exchange rates

The cheapest provider isn’t always the one with the lowest upfront fee. Some services offer $0 fees but apply a markup to the exchange rate instead. This means you get fewer rupees for every Australian dollar you send. To find the best value, always consider the combined impact of the service fee and the exchange rate on your total transfer.

Transfer speed

While some transfers can take 3–5 business days, modern digital providers like us often move money in minutes.

If you need your money to get there quickly, try a Revolut-to-Revolut transfer. These payments between Revolut customers happen in real-time.

When it comes to transfers to non-Revolut customers, we bypass traditional SWIFT wires whenever possible, in favour of our much speedier local payment networks.

Revolut-to-Revolut payments for this route are currently unavailable. This feature lets you make transfers in 36 currencies to other Revolut contacts — in real-time and without transfer fees.

Send money with Revolut

We provide a balance of speed and competitive exchange rates. With a Revolut account, you can convert AUD to INR easily with competitive prices. Our app lets you see exactly what you're paying for before you hit Send.

• Speed: real-time between customers and often minutes for other bank transfers
• Fees: clear pricing shown upfront before you make your payment so you never have to wonder where your money went
• Bonus: you can also use our travel money card to spend like a local if you visit India

Comparison of the best ways to send money to India

The method you use to pay for your transfer affects both the cost and the speed. Let's break it down:

International bank transfers

Usually the cheapest way send money to India from Australia. It's secure and often has the lowest fees, though it may take a little longer to clear than a card payment.

Card transfers

Fast and easy. Most digital providers prefer this for a balance of speed and low cost. While fast, banks often treat this as a cash advance, meaning you might be charged extra interest by your card issuer.

Coming soon: send money in real-time to a card account with Revolut. You can transfer to any eligible Visa or Mastercard. We'll show you in-app if the card you're sending to is supported.

Apple Pay and Google Pay

Very convenient for mobile transfers, but check if your underlying card adds extra fees.

Check out the methods we offer for funding international payments.

Essential details for remittances to India

To make sure your transfer doesn't get stuck, you need to provide accurate information. Ask your recipient for the following:

• Full name: as it appears on their official government ID.
• Account number: typically 5–20 digits.
• IFSC code: an 11-character alphanumeric code (e.g. SBIN0001234). This identifies the specific bank branch in India.
• Purpose of transfer: the Reserve Bank of India (RBI) requires this. Common codes include 'family maintenance' or 'gift'.

Curious about how much your money is worth in Indian rupees? Check our currency converter for live rates.

How to stay safe when sending money abroad

Security is a core promise at Revolut. When sending money to India, you should follow these safety rules:

• Verify the recipient: always double-check account numbers. Digital transfers are often irreversible.
• Beware of pressure: if someone claims to be from a government agency or a 'security team' and asks you to move money to a 'safe account', it's a scam. We'll never ask you to do this.
• Use biometric locks: make sure your transfer app is protected by fingerprint or facial recognition.

How to sign up for Revolut and start sending money

If you're ready to move money smarter, here's how you can get started in minutes:

1. Download the Revolut app: find us on the App Store or Google Play.
2. Verify your identity: follow the prompts to take a photo of your ID and a quick selfie. We do this to keep your money safe.
3. Add money to your account: head to the home screen, tap Add money, and link your Australian bank account or debit card.
4. Send your transfer: go to Payments, tap + New, and select International. Choose India, enter the amount, and enter your recipient's details.
5. Confirm the payment: double-check you're sending the amount you want to and you've got your recipient's details right. We'll show you any fees before you make the payment. Tap Send when you're ready.
6. Track it: you can see exactly where your money is in-app until it reaches your recipient.

Exchange and remittance fees, fair usage limits, and T&Cs apply. Exchange rates and fees shown are for illustration only.

The information provided is accurate as of 5 May 2026.