Who can I send Indian rupee (INR) to?

You can send Indian rupee (INR) to someone’s bank account in India, including NRE and NRO accounts, or UPI ID.

What information do I need about my recipient?

To send to a bank account: their full name — first name and surname, Latin characters (a-z) only their account number — 5–20 digits their IFSC — 11 characters, both letters and numbers. It usually starts with 4 letters purpose of the payment — you can choose from a list . Make sure you choose correctly, otherwise you might be asked for more information about your transfer, and it may take longer. To send to a UPI ID, you can include the ID. Typically the bank name or initials are part of the web address in the email. Example: yourname@bankname

How much can I send to India?

If you and the recipient are private individuals: you can send up to 100 million INR per transfer to a private individual. If you’re sending to an IMPS recipient, you can send up to 500,000 INR instantly. If you’re sending to a UPI recipient, you can send up to 200,000 INR instantly. If you or the recipient are a business: You can send up to 1.5 million INR per working day. It’s best to wait until the day after your transfer has completed to set up another one.

How long does a money transfer to India take?

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Are there any restrictions on sending to Indian rupee (INR)?

Because of how we’re regulated, you can’t make transfers to India for investment or charitable donation. This applies to all recipients in India, whether or not they are charities. We also can’t accept payments from non-profit, NGO, charity or welfare organisations to India — whether business-related or not.

Is there any other information I need to know to send money to India?

You may need a Foreign Inward Remittance Certificate (FIRC) for transfers to India. Learn more about FIRCs, and how to get one . When you send a transfer to India, we’ll send you an email with a unique transaction reference (UTR) number. You can use this to track your transfer. Learn more about UTR numbers

Send money to India

Name: Wise
Rating: 4.8 (1030000 reviews)

Save on your online money transfer to India from Canada. Transfer Canadian dollar to Indian rupee quickly, safely and join over 12.8 million people using Wise.

Send money from India to Canada instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (66h)

You send exactly

Recipient gets

Paying with

Domestic wire transfer

Domestic wire transfer fee
0.31 CAD
Our fee
248.39 CAD

Volume discount

-3.10 CAD

Total included fees (0.61%)
245.60 CAD

Should arrive by Tuesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Send money to India

Save on your online money transfer to India from Canada. Transfer Canadian dollar to Indian rupee quickly, safely and join over 12.8 million people using Wise.

Send money from India to Canada instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (66h)

You send exactly

Recipient gets

Paying with

Domestic wire transfer

Domestic wire transfer fee
0.31 CAD
Our fee
248.39 CAD

Volume discount

-3.10 CAD

Total included fees (0.61%)
245.60 CAD

Should arrive by Tuesday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Compare fees for when you send money to India

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 1,000 CAD with	Recipient gets(Total after fees)
	61,330 INR
Exchange rate(1 CAD INR) 61.3300 Exchange rate markup 4.83 CAD

	61,121.02 INR- 208.98 INR
Transfer fee 8.22 CAD Exchange rate(1 CAD INR) 61.6276 Exchange rate markup 0 CAD Cost of transfer 8.22 CAD

	59,737.16 INR- 1,592.84 INR
Exchange rate(1 CAD INR) 59.7372 Exchange rate markup 30.68 CAD

	59,562.48 INR- 1,767.52 INR
Transfer fee 1.99 CAD Exchange rate(1 CAD INR) 59.6812 Exchange rate markup 31.58 CAD Cost of transfer 33.57 CAD

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This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Remitly	Wise	Royal Bank of Canada	Scotiabank
Recipient gets (Total after fees)	61,330 INR	61,121.02 INR	59,737.16 INR	59,562.48 INR
Exchange rate markup	4.83 CAD	0 CAD	30.68 CAD	31.58 CAD
Exchange rate (1 CADINR)	61.3300	61.6276	59.7372	59.6812
Transfer fee	0 CAD	8.22 CAD	0 CAD	1.99 CAD
Total transfer cost	4.83 CAD	8.22 CAD	30.68 CAD	33.57 CAD

Show more providers

We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to India from Canada

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Canadian dollar to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Canadian dollars by EFT, wire transfer, Interac e-transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to India from Canada

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Canadian dollar to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Canadian dollars by EFT, wire transfer, Interac e-transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to India from Canada

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Canadian dollar to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Canadian dollars by EFT, wire transfer, Interac e-transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

Secure money transfers to India

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to India with WISE

The best way to send Canadian dollar to Indian rupee is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Cheapest way to send money to India from Canada

The cheapest way to send 40,000 CAD to India is from a Wise balance and costs 244.47 CAD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

CAD

INR

Sending 40,000 CAD	Transfer cost
Wise balance	244.47 CAD

Bank transfer	245.60 CAD

Fastest way to send money to India from Canada

Sending money with Wise is super fast: 60% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

CAD

INR

Sending 40,000 CAD	Should arrive
Wise balance	by Monday

Bank transfer	by Wednesday, April 30

Send money to India from Canada with the Wise app

Looking for an app to send money to India? Send money on the go with Wise.

Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.

Download Wise

Send money to India from Canada with the Wise app

Looking for an app to send money to India? Send money on the go with Wise.

Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.

Download Wise

Do more with Wise in Canada

You can use Wise for much more than just sending money. Here is what's available, based on where you live.

Open an account

Receive money fast
Get paid easily in other currencies with global account details.
Explore getting paid
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
Learn about Wise cards