Send money to India
Get bank-beating exchange rates with low fees and fast delivery when you send money to India. See exactly what your recipient gets before you send.
All our exchange rates give you more INR for every NZD you send
Take advantage of Xe's current sending rate of 53.99285 per New Zealand Dollars when you transfer $1,000.00 New Zealand Dollars today, giving your recipient ₹53,992.85 Indian Rupees.
How much does it cost to send money to India?
The cost depends on how much you send and how you pay. Transfers under $1,000 have a $1 fee. Transfers over $1,000 have $0 transfer fees. We always show your full cost, including exchange rate and fees, before you confirm.
How long does it take to send money to India?
Many transfers to India arrive the same day. Card, Apple Pay, and Google Pay payments are usually received quickly. Bank transfers sent via OSKO or PayID can also arrive in minutes, depending on how quickly you complete the transfer. We'll show you the estimated delivery time before you send.
How to send money to India with Xe
Set up your first transfer to India in just a few minutes. Here’s how it works.
Create your free account
Sign up with your email and verify your identity. It only takes 2-3 minutes, and your Xe account is free to create.
Get an instant quote
Enter how much you want to send and the currency you're sending from. We'll show you the live exchange rate, any fees, and exactly how many rupees your recipient in India will receive.
Add recipient details
Enter your recipient's name, bank account number, and set up the transfer in just 5 minutes. Once we get the funds we'll handle the rest.
Send and track your transfer
Choose how you'd like to pay, confirm the details, and you're done. Track your India transfer in real time through the Xe app or website.
Ways to pay for your India money transfer
Direct Debit (ACH)
(Cheapest)
Direct Debit, or Automated Clearing House (ACH) payments take funds directly from your bank account and are the cheapest way to pay.
Wire transfer
(Best for large transfers)
Wire transfers are best for larger transfers, moving money from your bank to ours. We usually receive funds within 24 hours.
Debit or Credit Card
(Fastest)
Card payments typically take minutes. However, card payments come with a small additional fee.
Connected to banks across India
Send to 120+ indyjskich banków z Xe
Whether you're sending money to family, paying for services, or supporting loved ones back home, Xe makes it simple. Send to over 120+ bank accounts in India, including HDFC, SBI, ICICI, and Axis. Choose from cash pickup or bank deposit, or mobile wallet.
Why send money to India with Xe?
Millions of people around the world trust Xe for international money transfers. Here's why.
Great exchange rates to INR
We work to get you a competitive exchange rate on every transfer to India, so your recipient gets more Indian Rupees for your money.
No hidden fees
You'll see the full cost of your India transfer — rate, fees, and the exact INR amount — before you confirm. What you see is what you get.
Fast transfers to banks in India
Many transfers to India arrive the same day, and card payments can be delivered within minutes. We’ll show your estimated delivery time before you confirm.
Trusted and secure for 30+ years
Xe is part of the Euronet Worldwide family, processing over $115 billion in transfers every year. We use bank-level encryption on every transaction and are regulated in every country we operate in.
Send money to India with the Xe app
Check live exchange rates to INR, send money to bank accounts in India or cash pickup locations, set rate alerts, and track your transfer, all from your phone. It's fast, secure, and there are no surprise fees.
Is sending money to India taxable in NZ?
Generally, sending money to family or friends is not taxable. However, large gifts may be subject to IRD reporting rules. We recommend consulting a tax professional if you’re unsure.
Why do I need to verify my identity?
To protect customers and prevent fraud, we may ask you to verify your identity. This helps ensure your money reaches the right recipient safely.
Xe is trusted by millions around the globe
FAQ
To send money to India online, you’ll need a few key recipient details. The exact information depends on how you’re delivering the funds (bank deposit or cash pickup).
For a bank transfer to India, you typically need:
Recipient’s full legal name (as it appears on their bank account)
Bank account number
IFSC code (Indian Financial System Code)
Bank name and branch
Recipient’s address (in some cases)
The IFSC code is required for all bank transfers to India. Use an IFSC lookup tool to quickly find the correct code and avoid delays.
With the Xe app or website, you can send up to $535,000 USD (or the currency equivalent) per transfer to India.
If you need to transfer more than that, our team can assist with large international transfers. Simply contact us to arrange a higher limit.
Minimum transfer amounts may vary depending on your payment method and currency.
Transfer times to India depend on how you pay:
Card payments, Apple Pay, or Google Pay: Often delivered within minutes
Bank transfer or wire transfer: Typically same-day or next business day
We always show you an estimated delivery time before you confirm your transfer, so you know exactly when your recipient will receive their INR.
The best way to send money to India depends on your priorities — speed, exchange rate, and security.
Most people choose a trusted online remittance provider like Xe because you get:
Competitive NZD to INR exchange rates
Transparent pricing with no hidden fees
Fast delivery options
Real-time tracking
Regulated and secure transfers
The cost of sending money to India depends on:
The amount you’re sending
Your payment method
The NZD to INR exchange rate at the time
With Xe, you’ll always see:
The live exchange rate
Any applicable fees
The exact amount your recipient will receive in Indian rupees (INR)
There are no hidden charges — everything is displayed upfront before you confirm your transfer.
Sending money to India with Xe is simple:
1. Create your free account
Sign up with your email and verify your identity. Your account is free to create.
2. Get an instant quote
Enter how much NZD you want to send to India. We’ll show you the live NZD to INR exchange rate, any fees, and the exact rupee amount your recipient will receive.
3. Add recipient details
Enter your recipient’s bank account number and IFSC code (or select cash pickup, if available).
4. Pay and track your transfer
Choose your payment method, confirm your details, and send. You can track your transfer to India in real time through the Xe app or website.
Yes. Xe has been in the currency and international money transfer business for over 25 years.
We are part of Euronet Worldwide (NASDAQ: EEFT), a multibillion-dollar global payments company. We operate under strict regulatory standards in the countries where we provide services.
We use:
Enterprise-grade encryption and security
Anti–Money Laundering (AML) safeguards
Know Your Customer (KYC) verification
Advanced fraud prevention systems
We’ve processed over $115 billion in global transfers and serve millions of customers worldwide.
To comply with international financial regulations, we may require identity verification when you create an account.
This may include:
A government-issued ID (passport or driver’s license)
Proof of address (bank statement or utility bill)
All documents are encrypted and securely stored in accordance with regional privacy laws such as GDPR, the US Privacy Act, and Canada’s Privacy Act.
People choose Xe to send NZD to INR because we offer:
Competitive exchange rates
Fast transfers
No hidden fees
Real-time tracking
Bank deposit and cash pickup options
25+ years of global currency expertise
Xe also powers one of the world’s most trusted currency platforms, serving millions of users every year.
In most cases, personal remittances to India are not taxable in New Zealand. However, tax situations vary based on individual circumstances. We recommend consulting a qualified tax professional if you are unsure.
You can send up to $535,000 USD (or currency equivalent) per transfer online. For larger international transfers to India, contact our team for assistance.
When sending money to India from NZ, you can pay using:
Debit card
Credit card
Apple Pay
Google Pay
Open Banking
Bank transfer
Available options may vary depending on the transfer amount.
Yes. With Xe, you can:
Send directly to over 120 Indian bank accounts
Choose cash pickup (where available)
Yes. We accept:
Debit cards
Credit cards
Apple Pay
Google Pay
Card payments are often the fastest way to send money to India.
You can track your New Zealand Dollars to INR transfer in real time through the Xe app or website. We’ll notify you at every stage, so you know exactly when your recipient receives the funds.