Send money to Nepal

Wise and Remitly offer the most competitive rates for USD-to-NPR transfers. For Gulf Cooperation Council (GCC) countries, IME and Prabhu Money are popular and often cheaper for smaller amounts. The exchange rate is the biggest cost factor — compare total NPR received across providers rather than stated fees alone.

Remitly supports direct eSewa wallet delivery from the US and UK. You need the recipient's eSewa registered mobile number or wallet ID. Delivery is typically within minutes. Khalti supports international inbound transfers via IME Pay linkage. The recipient can cash out at agents or spend directly at eSewa merchants.

You need the recipient's account number and the bank's SWIFT code. Nepal does not use IBAN. Most banks in Nepal have a 16-digit account number. Useful SWIFT codes: Nabil Bank (NARBNPKA), Standard Chartered Nepal (SCBLNPKA), Nepal Investment Bank (NIBNNPKA). Always confirm with the recipient's bank.

eSewa and Khalti wallet deliveries arrive within minutes. Bank deposits typically settle in 1–2 business days via SWIFT. Cash pickup through IME, Prabhu, or Western Union is usually available within minutes to hours depending on agent availability. Transfers from India via NEFT/IMPS or Wise are among the fastest options.

No. Remittances received for personal use are not taxed in Nepal. The government actively encourages inward flows and Nepal Rastra Bank monitors official channel transfers but does not levy any tax or withholding on recipients.

Due to the open border and pegged exchange rate (1 INR ≈ 1.6 NPR, fixed), sending from India to Nepal has special considerations. Wise does not yet support INR-to-NPR, but Remitly, IME, and several Indian banks support the corridor. Cash transfer via agents along the border is common but unregulated. For larger amounts, using an official bank-to-bank SWIFT transfer through correspondent banks is safest.