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Xoom (PayPal)
Rate 66.7657 · Fee free
You send
A$1,000
Recipient gets
₹66,766
₹1,300 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Australia to India in July 2026 is Xoom (PayPal), which delivers 66,765.71 INR on a 1,000 AUD transfer with a fee of zero. According to SendMoneyCompare's comparison of 22 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 1,287 INR.
Last reviewed: by Awais Imran, Reviews Editor
Sending A$1,000 from Australia to India. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
Xoom (PayPal)Best value
66.7657
Free
₹66,765.71
66.1386
A$-2.00
₹66,270.93
66.0000
Free
₹66,000.03
66.0000
Free
₹66,000.03
66.0330
A$0.99
₹65,967.67
65.8548
Free
₹65,854.82
66.2311
A$6.00
₹65,833.67
65.9604
A$5.72
₹65,583.14
65.4588
Free
₹65,458.78
65.3994
A$1.99
₹65,269.23
65.3796
A$1.83
₹65,259.93
65.1816
Free
₹65,181.55
65.4786
A$11.50
₹64,725.58
64.6403
Free
₹64,640.30
64.7789
A$2.89
₹64,591.70
64.4687
Free
₹64,468.68
64.4225
Free
₹64,422.48
64.2641
Free
₹64,264.06
63.4126
Free
₹63,412.57
Potential savings: Choosing the best provider over the most expensive saves your recipient ₹1,287.13 on a A$1,000 transfer.
Australia has a large and growing Indian community, making AUD to INR a high-volume corridor. Australian banks charge some of the highest international transfer fees in the world — making comparison essential.
Australian banks typically charge A$20–$30 per transfer plus a 3–5% exchange rate markup. Specialist providers offer rates within 0.5–1% of the mid-market rate with fees under A$5. On a A$1,000 transfer, switching from a bank to a specialist can save A$50–$80.
Exchange rate
66.7657
Fee
Free
Recipient gets
₹66,765.71
Speed
Minutes to 3 days
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
CoinbaseBeats mid-market
Kraken → Stellar (USDC) → Coinbase (INR) · ~5 seconds
68,841 INR
4.43% rebate all-in
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Arbitrum (USDC).
Source: CCXT (coinbaseexchange)
CoinDCXBitcoin · LightningBeats mid-market
Kraken → Lightning Network (BTC) → CoinDCX (BTC) · ~1 second
68,113 INR
3.32% rebate all-in
Also routable via Lightning Network (BTC), Stellar (USDC), Solana (USDC), Polygon (USDC).
Source: CoinDCX REST API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
How to cash out in India →SendMoneyCompare's real-time data shows AUD to INR is well-served by both global and Asia-Pacific specialist providers. Australian payment methods like POLi and PayID can make funding faster and cheaper, and the corridor benefits from strong competition between Instarem, Remitly, and Wise.
Global providers are not always the cheapest on AUD corridors. Asia-Pacific specialists like Instarem and InstaReM often negotiate better AUD/INR rates due to regional banking relationships. Comparing at least one regional provider alongside global names can save 1–2%.
For recurring transfers, it is worth checking live quotes each time rather than relying on one provider by habit. Competition on this corridor is strong enough that rankings can shift meaningfully with market moves.
Different providers excel at different things. Here's who's best for each use case on the Australia to India route.
Cheapest transfer
Xoom (PayPal)
Delivers the most INR for your money
Fastest transfer
Xoom (PayPal)
Delivers in Minutes to 3 days
Cash pickup
Xoom (PayPal)
Widest cash pickup network
Bank transfer
Xoom (PayPal)
Best rate for bank deposit to India
Sending money to Indiais straightforward with the right provider. Here's how it works in 3 simple steps.
Choose how much AUD you want to send, compare providers above, and pick the one offering the best INR amount for your transfer to India.
Enter your recipient's details in India — you'll need their bank account number. Most providers verify details instantly.
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit (imps) typically takes minutes.
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name exactly as it appears on their bank account
Bank account number
Indian bank account number (9–18 digits depending on the bank)
Example: 50100002345678
IFSC code
11-character Indian Financial System Code identifying the specific bank branch
Example: HDFC0001234
Bank name & branch
Name of the bank and branch (e.g. HDFC Bank, Andheri West Branch)
Note: India does not use the IBAN system. Instead, you need the recipient's bank account number and IFSC code. The IFSC code uniquely identifies each bank branch and is printed on cheque books or available on the bank's website.
See how much your recipient would get for common transfer amounts.
Remitly
67.09 · Minutes to 3-5 days
Xoom (PayPal)
66.77 · Minutes to 3 days
WorldRemit
66.14 · 1-2 business days
InstaReM
66.23 · 1-3 business days
TapTap Send
66.00 · Under 3 minutes (95% of transfers)
LemFi
66.00 · Minutes to 1 business day
Xoom (PayPal)
66.77 · Minutes to 3 days
WorldRemit
66.14 · 1-2 business days
TapTap Send
66.00 · Under 3 minutes (95% of transfers)
LemFi
66.00 · Minutes to 1 business day
Remitly
66.03 · Minutes to 3-5 days
Western Union
65.85 · Minutes to 5 days
Xoom (PayPal)
66.77 · Minutes to 3 days
WorldRemit
66.14 · 1-2 business days
InstaReM
66.23 · 1-3 business days
Remitly
66.03 · Minutes to 3-5 days
TapTap Send
66.00 · Under 3 minutes (95% of transfers)
LemFi
66.00 · Minutes to 1 business day
Specialist provider fees range from A$0 to A$10. Australian banks charge A$20–$30 per international transfer plus significant exchange rate markups. PayID funding is available with some providers and keeps costs low.
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically A$0–A$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (66.0066).
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
IMPS is the preferred delivery method for speed and convenience — it works 24/7 and reaches virtually every bank account in India. For recipients in rural areas, cash pickup through Western Union or MoneyGram agent networks remains important.
Speed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Speed: Minutes to hours
Fast and convenient — small card processing fee applies
Speed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Varies
Pay cash at an agent location — available at select providers
Your recipient in India can receive money through these delivery methods. The best option depends on their location and preferences.
Instant transfer via India's IMPS system to any bank account. Available 24/7 including weekends and holidays.
Transfer via NEFT during banking hours. Settles in batches throughout the day.
Direct transfer to UPI-linked bank accounts. Growing in popularity for remittances.
Recipient collects cash from agent locations across India — available through banking correspondents and retail partners.
Transfer to Paytm or other digital wallets. Useful when the recipient prefers digital payment over bank deposit.
Important rules and requirements to know before sending money to India.
Regulatory body
Reserve Bank of India (RBI)
Inbound transfer limits
No cap on inbound remittances under RBI's Liberalised Remittance Scheme (LRS) — LRS limits only apply to outbound transfers from India
Documentation you may need
Bank deposits to India from Australia typically arrive within 1–2 business days with specialist providers. Express options are available from Remitly and Instarem. Bank wire transfers take 3–5 business days.
These are the most commonly used banks for receiving international transfers in India.
State Bank of India (SBI)
SBININBBXXX
HDFC Bank
HABORINBXXX
ICICI Bank
ABORINBBXXX
Axis Bank
AXISINBBXXX
Punjab National Bank (PNB)
PUNBINBBXXX
Kotak Mahindra Bank
ABORINBKXXX
Bank of Baroda
BARBINBBXXX
Canara Bank
ABORINBBXXX
Daily best exchange rates from top providers over the last 105 days. Rates shown are for sending $100.
| Date | Wise | Western Union | InstaReM | Remitly | __mid Market__ |
|---|---|---|---|---|---|
| Trend | |||||
| Jul 4 | 65.9614 | 65.8571 | 66.2291✓ | 65.6018 | 65.8571 |
| Jul 3 | 65.9614 | 65.8571 | 66.2291✓ | 65.6018 | 65.8571 |
| Jul 2 | 65.5730 | 65.4312 | 65.5450 | 64.8884 | 66.0000✓ |
| Jul 1 | 65.3032 | 65.1744 | 65.3177 | 64.6248 | 66.0000✓ |
| Jun 30 | 65.0601 | 65.0621 | 64.9147 | 64.2484 | 66.0000✓ |
| Jun 29 | 65.1128 | 65.1187 | 65.0390 | 64.3800 | 66.0000✓ |
| Jun 28 | 65.1128 | 65.1187 | 65.0390 | 64.3800 | 66.0000✓ |
| Jun 27 | 65.1128 | 65.1187 | 65.0390 | 64.3800 | 66.0000✓ |
| Jun 26 | 65.2732 | 64.4089 | 65.0879 | 64.4241 | 66.0000✓ |
| Jun 25 | 64.9975 | 64.1370 | 65.1680 | 64.5246 | 66.0000✓ |
| Jun 24 | 65.6530 | 65.5841 | 65.5663 | 64.8432 | 66.0000✓ |
| Jun 23 | 66.0857 | 66.1284 | 66.1595 | 65.4384 | 66.5000✓ |
| Jun 22 | 66.1540 | 66.0854 | 66.1203 | 65.4288 | 66.5000✓ |
| Jun 21 | 66.1792 | 66.1460 | 66.1280 | 65.4500 | 66.5000✓ |
| Jun 20 | 66.1792 | 66.1460 | 66.1280 | 65.4500 | 66.5000✓ |
| Jun 19 | 66.1930 | 66.2652 | 66.1558 | 65.5005 | 66.5000✓ |
| Jun 18 | 66.6337 | 66.7297 | 66.4954 | 65.8104 | 67.0000✓ |
| Jun 17 | 67.2322✓ | 65.6998 | 67.2193 | 66.5893 | 67.2193 |
| Jun 16 | 67.2322✓ | 65.9370 | 67.2193 | 66.5893 | 67.2193 |
| Jun 15 | 67.2322✓ | 65.9940 | 67.2193 | 66.5893 | 67.2193 |
| Jun 14 | 67.0849✓ | 66.0082 | 66.9774 | 66.3084 | 67.0500 |
| Jun 13 | 67.0849✓ | 66.0082 | 66.9774 | 66.3084 | 67.0500 |
| Jun 12 | 67.0849✓ | 66.0998 | 66.9774 | 66.3084 | 67.0500 |
| Jun 11 | 67.0303 | 67.2378✓ | 67.0087 | 66.3379 | 67.2378✓ |
| Jun 10 | 67.0303 | 67.2378✓ | 67.0087 | 66.3379 | 67.2378✓ |
| Jun 9 | 67.2627 | 67.4812 | 67.3451 | 66.5654 | 67.5800✓ |
| Jun 8 | 67.2188 | 67.3652✓ | 67.0018 | 66.3140 | 67.3652✓ |
| Jun 7 | 67.1698 | 67.3496 | 66.8890 | 66.2200 | 67.4244✓ |
| Jun 6 | 67.1698 | 67.3496 | 66.8890 | 66.2200 | 67.4244✓ |
| Jun 5 | 68.2380 | 67.2552 | 68.2773 | 67.5006 | 68.4000✓ |
| Jun 4 | 68.4134✓ | 67.2574 | 68.2852 | 67.5485 | 68.2852 |
| Jun 3 | 68.5128✓ | 68.4427 | 68.3636 | 67.7361 | 68.4427 |
| Jun 2 | 68.2317✓ | 68.1382 | 68.0134 | 67.3028 | 68.1382 |
| Jun 1 | 68.2994✓ | 68.2498 | 68.2933 | 67.6317 | 68.2498 |
| May 31 | 68.2276 | 68.1531 | 68.2390 | 67.5400 | 68.2700✓ |
| May 30 | 68.2276 | 68.1531 | 68.2390 | 67.5400 | 68.3800✓ |
| May 29 | 68.6107✓ | 68.4907 | 68.5735 | 67.8723 | 68.4907 |
| May 28 | 68.4100✓ | 68.2745 | 68.2422 | 67.5787 | 68.2745 |
| May 27 | 68.7572✓ | 68.6258 | 68.7188 | 67.9982 | 68.6258 |
| May 26 | 68.3206 | 68.6034✓ | 68.3974 | 67.5516 | 68.2900 |
| May 25 | 68.4437 | 68.6783✓ | 68.4550 | 67.8154 | 68.6783✓ |
| May 24 | 68.1672 | 68.4050✓ | 68.1700 | 67.4900 | 68.2700 |
| May 23 | 68.1672 | 68.4050✓ | 68.1700 | 67.4900 | 68.2500 |
| May 22 | 68.7260 | 67.8115 | 68.7695 | 68.0928 | 68.9507✓ |
| May 21 | 68.6008 | 67.8860 | 68.4615 | 67.7174 | 68.9507✓ |
| May 20 | 68.6654✓ | 68.6515 | 68.4558 | 67.7100 | 68.6515 |
| May 19 | 69.0498 | 69.0552✓ | 69.0470 | 68.3542 | 68.8530 |
| May 18 | 68.4521✓ | 68.4213 | 68.4270 | 67.7241 | 68.4213 |
| May 17 | 68.6442 | 68.6496✓ | 68.5920 | 67.9100 | 68.6496✓ |
| May 16 | 68.6442 | 68.6496✓ | 68.5920 | 67.9100 | 68.6496✓ |
| May 15 | 68.8329✓ | 68.3826 | 68.7431 | 68.0948 | 68.7431 |
| May 14 | 69.1441✓ | 68.3826 | 69.0589 | 68.3922 | 67.3668 |
| May 13 | 69.2684 | 64.6135 | 69.2835✓ | 68.5757 | 67.3668 |
| May 12 | 68.9581✓ | 68.9148 | 68.8714 | 68.1917 | 67.3668 |
| May 11 | 68.3282✓ | 68.2689 | 68.2230 | 67.5446 | 67.3668 |
| May 10 | 68.4368✓ | 68.4247 | 68.3830 | 67.7000 | 67.3668 |
| May 9 | 68.4368✓ | 68.4247 | 68.3830 | 67.7000 | 67.3668 |
| May 8 | 67.9850✓ | 64.6135 | 67.9735 | 67.2994 | 67.3668 |
| May 7 | 68.5296 | 64.6135 | 68.6539✓ | 67.8577 | 67.3668 |
| May 6 | 68.6997 | 68.9733✓ | 68.8551 | 68.2451 | 67.3668 |
| May 5 | 68.1657✓ | 64.6135 | 65.5092 | 66.1900 | 67.3668 |
| May 4 | 68.3095 | 68.5130✓ | 68.1967 | 67.5469 | 67.3668 |
| May 3 | 68.2576 | 68.4598✓ | 68.3490 | 67.6700 | 67.3668 |
| May 2 | 68.2576 | 68.4598✓ | 68.3490 | 67.6700 | 67.3668 |
| May 1 | 68.3732✓ | 64.6135 | 68.3380 | 67.6388 | 67.3668 |
| Apr 30 | 67.6858✓ | 64.6135 | 65.5092 | 66.9020 | 67.3668 |
| Apr 29 | 67.8946✓ | 64.6135 | 65.5092 | 67.0234 | 67.3668 |
| Apr 28 | 67.6562✓ | 64.6135 | 65.5092 | 66.9570 | 67.3668 |
| Apr 27 | 67.5054✓ | 64.6135 | 65.5092 | 66.9209 | 67.3668 |
| Apr 26 | 67.2623 | 67.2830 | 65.5092 | 66.7200 | 67.3668✓ |
| Apr 25 | 67.2623 | 67.2830 | 65.5092 | 66.7200 | 67.3668✓ |
| Apr 24 | 67.2177 | 67.2212 | 65.5092 | 66.5450 | 67.3668✓ |
| Apr 23 | 67.1876 | 67.2046 | 65.5092 | 66.5217 | 67.3668✓ |
| Apr 22 | 67.0130 | 67.0389 | 65.5092 | 66.2221 | 67.3668✓ |
| Apr 21 | 66.8163 | 64.6135 | 66.7428 | 66.1535 | 67.3668✓ |
| Apr 20 | 66.2849 | 64.6135 | 66.2492 | 65.4878 | 67.3668✓ |
| Apr 19 | 66.3796 | 64.6135 | 66.3175 | 65.6900 | 67.3668✓ |
| Apr 18 | 66.3796 | 64.6135 | 66.3175 | 65.6900 | 67.3668✓ |
| Apr 17 | 66.6230 | 64.6135 | 66.5607 | 66.0786 | 67.3668✓ |
| Apr 16 | 66.9736 | 64.6135 | 66.8298 | 66.1900 | 67.3668✓ |
| Apr 15 | 66.3344 | 66.1128 | 66.3468 | 66.1900 | 67.3668✓ |
| Apr 14 | 66.0229 | 65.8534 | 66.0740 | 66.1900 | 67.3668✓ |
| Apr 13 | 65.4927 | 65.2692 | 64.4620 | 66.1900 | 67.3668✓ |
| Apr 12 | 65.7387 | 65.5144 | 65.7070 | 66.1900 | 67.3668✓ |
| Apr 11 | 65.7387 | 65.5144 | 65.7070 | 66.1900 | 67.3668✓ |
| Apr 10 | 65.5017 | 64.6135 | 65.3727 | 66.1900 | 67.3668✓ |
| Apr 9 | 65.1300 | 64.6135 | 65.0471 | 66.1900 | 67.3668✓ |
| Apr 8 | 65.4000 | 64.6135 | 65.4441 | 66.1900 | 67.3668✓ |
| Apr 7 | 64.2031 | 64.6135 | 64.1869 | 63.4766 | 67.3668✓ |
| Apr 6 | 64.4894 | 64.6135 | 64.4301 | 63.7457 | 67.3668✓ |
| Apr 5 | 63.9143 | 64.5488 | 63.8311 | 63.2046 | 67.3668✓ |
| Apr 4 | 63.9143 | 64.5488 | 63.8311 | 63.2046 | 67.3668✓ |
| Apr 3 | 63.8865 | 64.5207 | 63.8242 | 63.1771 | 67.3668✓ |
| Apr 2 | 64.2141 | 64.8418 | 64.2077 | 63.4915 | 67.3668✓ |
| Apr 1 | 64.2231 | 64.8069 | 64.0641 | 63.3621 | 67.3668✓ |
| Mar 31 | 64.5193 | 64.6135 | 64.5640 | 63.9282 | 67.3668✓ |
| Mar 30 | 64.6752 | 64.6135 | 64.6881 | 64.0052 | 67.3668✓ |
| Mar 29 | 64.8954 | 64.6135 | 64.8093 | 64.1829 | 67.3668✓ |
| Mar 28 | 65.0628 | 64.7499 | 65.0868 | 64.3786 | 67.3668✓ |
| Mar 18 | 65.6785 | 65.4978 | 65.7120✓ | 65.0702 | 65.7120✓ |
| Mar 17 | 65.3667✓ | 65.3265 | 65.3636 | 64.7156 | 65.3667✓ |
| Mar 16 | 65.2866 | 65.2272 | 65.3035✓ | 64.6781 | 65.3035✓ |
| Mar 15 | 64.6173✓ | 64.5776 | 64.5397 | 64.0300 | 64.6173✓ |
| Mar 14 | 64.6173✓ | 64.5776 | 64.5397 | 63.9300 | 64.6173✓ |
| Mar 13 | 64.6173 | 64.6450✓ | 64.5720 | 63.9300 | 64.6450✓ |
Wise, Instarem, and Remitly offer the best value for AUD to INR. Instarem is headquartered in Singapore and has strong rates on Asian corridors. Wise offers the mid-market rate with a transparent fee.
The Big Four banks (CommBank, ANZ, NAB, Westpac) charge A$20–$30 per transfer plus 3–5% exchange rate markups. This makes them among the most expensive options for sending money to India.
Some providers accept PayID for instant, free funding from Australian bank accounts. This is the fastest and cheapest way to fund your transfer in Australia.
Everything about sending money to India
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