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Provider
Fees
Transfer Speed
Supported Countries
Our Score
Medium-High
Domestic - up to 24h
International - 1-5 days
  • USA
  • Pakistan
  • India
  • + 200 more
Up to 0.5%
Up to 1-2 business days
  • USA
  • UK
  • Canada
  • + 160 more
None-Minimum
Economy - 3-5 days
Express - nearly instant
  • USA
  • Canada
  • Australia
  • + 170 more
Up to 3%
1-3 business days
  • USA
  • UK
  • Canada
  • + 130 more
Medium-High
3-5 business days
  • USA
  • UK
  • Canada
  • + 140 more
Up to 5%
Up to 3 business days
  • USA
  • Australia
  • Canada
  • +200 more

Stop overpaying - start transferring money with Ogvio. Sign up, invite friends & grab Rewards now! 🎁

Sending money to India and any other countries worldwide is easier now more than ever. But you need to pick a platform that lets you send funds in a quick and secure way. Don’t worry! I’m here to help you choose the best money transfer to India.

In my experience, the biggest hurdle is choosing the one that fits your needs perfectly among so many options like Ogvio, PayPal, and Wise. So, I’ve compiled a list of recommended platforms and their key strengths, which includes:

  • Ogvio - Transfer Money to Freelancers in India
  • Western Union - Globally Available Bank Transfers
  • Wise - Transparent Mid-Market Rates
  • Remitly - Guaranteed Delivery Time
  • WorldRemit - Send Money to India Quickly
  • Revolut - A Comprehensive Digital Financial Platform
  • PayPal - Widely Accepted Payment Gateway

I’m sure you’re curious about these options. So, let's check them out in more detail!

1. Ogvio - Transfer Money to Freelancers in India

Ranks #1 out of 7 Money Transfer Services

Ogvio is a newcomer in the fintech space, but I think it's already one of the best ways to transfer money to India. It's available in more than 160 countries, meaning that you can send and receive funds from almost anywhere in the world, including India.

The platform’s main focus is on cross-border remittance and money transfers. It implements an intuitive interface, making it very easy to navigate even if you have no technical expertise.

Ogvio logo

Supported Countries

UK
Germany Germany
France France
+160 more

Supported Languages

EN
ID
CN
+6 more

Supported Fiat Currencies

US Dollar USD
Euro EUR
Canadian Dollar CAD
+40 more

Supported Cryptocurrencies

USD Coin USDC
Bitcoin BTC
Ethereum ETH
+ 7 more
Visit site Read review

Table: Ogvio coverage

What’s even better is that you can enjoy free transfers between Ogvio users. So, if you’re looking for a way to send money to India for free, consider inviting the other person to use the app as well. Regardless, Ogvio has no hidden fees for actions that incur them and has really competitive rates when sending money to Indian banks.

Just one thing to note: Indian citizens cannot send money to banks in India. However, citizens of other countries, such as the UK, UAE, Germany, and others, can easily send money directly to Indian banks (or, of course, to other Ogvio users).

Ogvio is a great option for paying freelancers in India.

Last but not least, Ogvio also supports USDC transfers on Base. That means, if your recipient in India prefers to get their money in crypto, you can always fulfill that request by sending it to their Ogvio account or an external crypto wallet. Crypto transfers with Ogvio are free and mostly instant.

Key Features

Okay, so what makes Ogvio one of the best money transfer options to India? I've put all of it's key features in this list:

  • Speedy Transfers. Ogvio offers no-freeze, on-time payments. Transfers to other Ogvio users are always instant, while transfers to bank accounts and crypto wallets are also mostly instant.
  • @Tag Functionality. Ogvio makes it easy to find other users on the platform and send money to them without filling in lengthy details. It is as simple as using your favorite social media app.

Best money transfer to India: description for Ogvio @Tag function.

  • Request Payments. Aside from sending money, you can also request payments from other users and make the transfer process easier using a payment link.
  • Bank Transfer Support. You can top up your account with a bank transfer, as well as send funds straight to a bank account. Just note that it's not supported in all countries, you will have to pass KYC for that, and make sure the bank in question supports payments from Ogvio.

Ogvio is definitely a strong contender for the easiest way to send money to India. With no hidden fees and instant transfer speed, it's a good choice for anyone.

👉🏻 Visit Ogvio
...or read our Ogvio review

2. Western Union - Globally Available Bank Transfers

Ranks #2 out of 7 Money Transfer Services

Western Union can be a nice option if you’re looking for the best way to transfer money to India, and the other person doesn’t have easy access to an ATM or an online banking app. What makes it different from platforms like PayPal and Revolut is its extensive network of physical agent locations, which lets you make a cash pickup.

At the time of writing, there are more than 110,000 available Western Union agent locations throughout India, from Mumbai to Kolkata. You can find the nearest one easily on its official website.

Western Union gives you various options to pay for a money transfer. You can use bank transfers, credit or debit cards, or pay with cash in-store.

Western Union logo

Funding Methods

  • Card
  • Bank
  • Apple Pay
  • Google Pay

Delivery Methods

  • Bank deposit
  • Cash pickup
  • Mobile wallet

Supported Networks

  • Fiat-only

Transaction Speed

|
|
|
|
|
Long
Average
Very Quick

Bulk Payments

Scheduled Payments

Visit site Read review

Table: Western Union's asset movement

Another thing I want to highlight is Western Union’s delivery time. Sending money to India can be completed in real-time or up to one banking day. However, keep in mind that real-time transfers only apply to UPI money transfers up to ₹100,000 and for amounts less than ₹200,000 sent to receiving banks with IMPS services.

Key Features

Now that we know the basics of why Western Union is one of the best money transfer platforms to India, let’s take a look at some of its key features:

  • Global Coverage. Currently, Western Union is available in more than 200 countries worldwide, including India. It also has more than 600,000 agent locations globally.
  • Multiple Receiving Options. You can choose how the recipient gets the money. These include cash pickup, direct to bank account, or mobile wallets/Unified Payments Interface (UPI).

Best money transfer to India: a list of ways to send money to India using Western Union.

  • Transfer Tracking. Every transfer is assigned a unique tracking number (MTCN). Both the sender and the receiver can use this number to track the status of the transfer online or via the app.
  • Reliability and Security. Western Union has been operating in the US since the 1800s. This gives it a strong reputation in addition to its security measures, like encryption and fraud prevention features.

Overall, Western Union is certainly one of the best money transfer platforms to India, especially for those preferring direct cash pickup.

👉🏻 Visit Western Union
...or read our Western Union review

3. Wise - Transparent Mid-Market Rates

Ranks #3 out of 7 Money Transfer Services

One of the most common problems people face when sending money to India is the high fees. Wise attempts to rectify this by using the mid-market exchange rate. This means you’ll get the exact midpoint between the buy and sell prices on the global currency markets.

You also don’t have to worry about any hidden fees or markup. You can always check for the applicable fees before finalizing the transaction. Wise also applies lower fees if you transfer more than $25,000 or equivalent. In addition, you will get dedicated support from the platform’s expert team.

Wise logo

Deposit Fees

Bank - free
Card - varies
SWIFT - varies

Withdrawal Fees

  • ATM - 2 free/mo < $200; then 1.75%
  • Bank - varies

Other Fees

  • Using stocks - 0.6%/yr
  • Using Wise Interest - 0.26%/yr

Card Maintenance Fees

  • Free

Fee Transparency

Markup

Visit site Read review

Table: Wise's fees

If you wonder how to send money to India from the USA using Wise, there are several options. The cheapest way is by using your Wise account balance. With this method, sending $1000 will only cost you around $7.33 at the time of writing.

Best money transfer to India: the calculator page for sending money from the US to India on Wise's website.

Other methods, like bank transfers, debit/credit cards, and Apple/Google Pay, are also available, but they are significantly pricier and can be slower depending on the option.

Key Features

To know if Wise is really the best money transfer app to India, we need to understand its key features and what makes it stand out. Here are some of them:

  • Fast Transfers. Wise claims that 64% of transfers arrive in under 20 seconds, and 95% in less than a day. However, this will depend on the transfer method you choose.
  • Upfront Transparent Fees. Wise is built on a philosophy of showing all costs clearly. It charges a low, transparent fee that is clearly stated before you initiate the transfer, ensuring you know the exact total cost.

Best money transfer to India: comparison fees and exchange rate between Wise and its competitors.

  • Local Payment Options in India. Wise supports high-speed local payment methods like deposits directly to the recipient's UPI ID (Unified Payments Interface) or via IMPS, ensuring maximum convenience and speed for the recipient.
  • Multi-Currency Account. You can open a Wise account to hold and manage money in over 40 different currencies, with local bank details for up to 10 major currencies (like USD, EUR, GBP, AUD).

All in all, Wise can be a strong candidate as the easiest way to send money to India. But remember that it doesn’t offer any cash service, which may limit your options.

👉🏻 Visit Wise
...or read our Wise review

Compare Money Transfer Services Side-by-Side With Others

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Compare Money Transfer Services Side-by-Side With Others

All Money Transfer Services may look similar to you, but they're NOT all the same!

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4. Remitly - Guaranteed Delivery Time

Ranks #4 out of 7 Money Transfer Services

Remitly is an American online remittance service founded in 2011. It allows cross-border money movement across more than 170 countries. So, if you’re looking for how to send money to India from the USA, Canada, Denmark, and many other countries, this app is worth considering.

One of the main reasons I consider Remitly as one of the best ways to transfer money to India is its wide range of delivery options. As of writing, the platform supports bank deposits, mobile money (e.g., M-Pesa, G-Cash), home delivery, debit card deposit, and cash pickup at partner locations.

Remitly logo

Funding Methods

  • Card
  • Bank
  • Apple Pay

Delivery Methods

  • Bank deposit
  • Cash pickup
  • Mobile wallet
  • Home delivery
  • ATM

Supported Networks

  • Fiat-only

Transaction Speed

|
|
|
|
|
Long
Average
Very Quick

Bulk Payments

Scheduled Payments

Visit site Read review

Table: Remitly's asset movement

You can also choose between two different transfer speed options: Express and Economy. The key difference lies in the time and the fee you need to pay. What’s better is that Remitly guarantees your money will arrive on time, or it will refund your fees.

However, it is worth mentioning that Remitly applies a markup to the exchange rate. This means that you may need to pay higher fees compared to platforms that use mid-market rates like Wise.

Key Features

If you’re curious about what Remitly has to offer that makes it stand out from its competitors, here are some of its key features:

  • Fast Transfer Speeds. Remitly offers the Express option that often arrives in India within minutes, although with higher fees.
  • No Fee for Large Transfers. Remitly waives the upfront transaction fee for transfers over $1000 from the US to India.

Best money transfer to India: a list of Indian banks partnering with Remitly.

  • Transparent Pricing. Remitly shows the total amount your recipient will receive after fees and exchange rate conversion before you confirm the transaction.
  • Tracking Feature. Both the sender and recipient can track the transfer status in real-time via the app or SMS notifications.

With all that being said, I think Remitly is a decent option when you need to send money to India. Just be aware of the associated fees and make sure you check the cost before completing your transfer.

👉🏻 Visit Remitly
...or read our Remitly review

5. WorldRemit - Send Money to India Quickly

Ranks #5 out of 7 Money Transfer Services

WorldRemit is one of the best money transfer services to India that focuses on providing fast and low-cost remittances with a variety of collection options. These include cash pickup, bank transfer, e-wallet, and airtime top-up (pre-paid mobile phone call plan).

Each collection method has different speeds and associated fees, giving both you and the recipient flexible options depending on your needs and preferences.

WorldRemit logo

Deposit Fees

Free

Withdrawal Fees

Free

Other Fees

  • Exchange rate markup

Card Maintenance Fees

  • No card

Fee Transparency

Markup

Visit site Read review

Table: WorldRemit's fees

The platform includes a markup on the exchange rate on top of the transfer fee. However, it is generally more competitive compared to some other services, and first-time users can enjoy a free transfer rate.

Security-wise, WorldRemit is regulated by multiple government bodies worldwide, including the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). Meaning, if you’re wondering how to send money from Canada to India securely, this can be an option.

Key Features

To fully understand if WorldRemit deserves the place as one of the best money transfer services to India, let’s take a look at some of its key features:

  • Mobile-First Experience. The entire process of using WorldRemit, from setting up an account to sending the money and tracking it, can be done quickly and easily through their mobile app or website.
  • Upfront Pricing. Fees and the exact exchange rate on WorldRemit are displayed clearly before you confirm the transfer, ensuring you know the final amount your recipient will receive.

Best money transfer to India: description for the supported payment options on WorldRemit.

  • Transfer Tracking. Senders can track the progress of their transfer in real-time through the app or website.
  • High-Speed Delivery. WorldRemit claims that a majority of transfers, particularly those sent via cash pickup, mobile money, or airtime top-up, arrive within minutes. Bank transfers can also be very fast, often arriving on the same day.

To put it simply, WorldRemit can be a nice option for sending money to India. However, pay attention to the transfer limit that applies depending on your current region and preferred transfer method.

👉🏻 Visit WorldRemit
...or read our WorldRemit review

6. Revolut - A Comprehensive Digital Financial Platform

Ranks #6 out of 7 Money Transfer Services

Revolut is unique among its competitors due to its comprehensive, integrated "super-app" approach to global finance. Aside from offering standard money-transfer services, Revolut also provides a whole suite of additional financial features like investment and lifestyle products.

At the time of writing, you can’t create a Revolut account in India. The only option available when sending money to India using this platform is via bank transfer. You will generally need your recipient's full name, their BIC/SWIFT code, and their bank account number.

Another positive point worth mentioning is Revolut’s pricing. It offers close to the interbank exchange rate for currency exchange and international spending during the week. The fees are also competitive and transparent.

Revolut logo

Deposit Fees

Card - up to 1.7%
Bank - free

Withdrawal Fees

ATM - up to 2%

Other Fees

  • Unspecified

Card Maintenance Fees

  • Standard - free
  • Plus - $3.99/mo
  • Premium - $7.99/mo
  • Metal - $14.99/mo
  • Ultra - $45/mo

Fee Transparency

Markup

Visit site Read review

Table: Revolut's fees

Let’s say you’re looking into the best way to send money to India from UK. If you send £1000 to India using Revolut, you will only need to pay around £1.50 using a standard account.

Additionally, the platform also implements strong security measures, including two-factor authentication (2FA), anti-fraud notification, and personal data protection. This means you don’t have to worry that your money will be compromised.

Key Features

Interested in using Revolut to send money to India? Before you decide, take a look at some of its key features:

  • Investment Options. Revolut gives you access to various investment options, including stocks, ETFs, and cryptocurrencies.
  • Subscription Plans. Revolut offers tiered benefits such as higher allowances for free services, cashback, better savings rates, and more extensive insurance/lifestyle perks for a monthly fee.

Best money transfer to India: description of how to send money to India from the UK using Revolut.

  • Multi-Currency Accounts. Revolut users can hold and exchange money in over 30 currencies at competitive exchange rates, often close to the interbank rate (within plan allowances and during market hours).
  • Budgeting and Analytics. You can track spending in real-time, categorize transactions, and set monthly budgets.

So, if you’re looking for a comprehensive solution beyond simply sending money to India, I think Revolut is worth considering for its wide range of features.

👉🏻 Visit Revolut
...or read our Revolut review

7. PayPal - Widely Accepted Payment Gateway

Ranks #7 out of 7 Money Transfer Services

PayPal is a household name when it comes to transferring money online, both domestically and internationally. At the time of writing this article, it supports more than 200 countries worldwide. So, no matter if you’re looking for how to send money from Canada to India or receive payment from Singapore to Japan, PayPal is a solid option.

At the same time, it is also widely accepted by tens of millions of merchants around the world, including both online and offline retail. Let’s say you want the best way to send money to India from the UK because you’re buying something from the country. There is a high chance that the seller will accept PayPal, and you can’t go wrong with it.

PayPal logo

Supported Countries

Malaysia Malaysia
South Korea South Korea
Italy Italy
+197 more

Supported Languages

EN
DE
JPN
+23 more

Supported Fiat Currencies

Danish Krone DKK
Malaysian Ringgit MYR
New Zealand Dollar NZD
+23 more

Supported Cryptocurrencies

Bitcoin Cash BCH
Chainlink LINK
PYUSD
+5 more
Visit site Read review

Table: PayPal's coverage

Furthermore, PayPal is relatively easy to use. Sending money only requires their email address or phone number. You also have multiple options to pay for your money transfer, including your PayPal balance, a linked bank account, and a debit or credit card.

Unfortunately, there are issues of relatively higher fees for international transfers, as well as the platform freezing your funds. So I recommend considering them before using PayPal.

Key Features

While PayPal’s popularity is undeniable, and I’m sure you’ve heard of it before, you might not be familiar with its features. Here are some of its core functions:

  • Buyer/Seller Protection. PayPal provides an integrated dispute center where both parties in a transaction can submit complaints if an issue arises with the payment or the item itself.
  • Easy Linking. PayPal makes it easy for users to connect their bank accounts, debit cards, or credit cards. This allows you to manage multiple funding sources from one place.

Best money transfer to India: the step-by-step of how to send money to India using PayPal.

  • Payment Link. With PayPal, you can create a personalized PayPal.Me link to simplify any payment process.
  • Cash Pickup. PayPal supports cash pickup for international transfers through its Xoom service, allowing recipients in many countries to collect cash at designated locations.

That being said, I think PayPal can be one of the best money transfer services to India if you don’t mind the relatively higher fees.

👉🏻 Visit PayPal
...or read our PayPal review

How to Send Money to India from the UK

Sending money to India from the UK is not hard at all. However, there are certain aspects you need to consider before you make any transfer. Take a look at this table:

Common Transfer Methods

Bank wire (CHAPS/SWIFT), fintech apps, cash pickup services

Average Exchange Rate (Mid-Market)

~£1 ≈ ₹112.0 (as of November 2025, changes daily)

Transfer Time

1-5 working days for bank wires; fintech apps often offer same-day or next-day options

Average Fees

Around 2.7%; does not include any fees and FX markup

Details Needed to Send

Sender name/address, beneficiary name & bank account number, branch + IFSC (for INR), SWIFT/BIC of recipient bank (for some currency routes), purpose/payment purpose code, and KYC for large transfers

Table: Essential information about UK-India remittance

Good news: the UK government does not impose a legal cap on how much can be sent overseas by individuals. But money transfer providers or banks often have their own per‐transaction or daily limits.

For example, Ogvio has a £1,000,000 limit per transfer if you're topping up your account via a bank in the UK. However, if you're sending straight to a bank account in India, there's no explicit limit per transaction.

Indian citizens cannot send money with Ogvio to banks in India. However, they can send it to other Ogvio users or external crypto wallets. It's also not possible to top up Ogvio from an Indian bank account.

Speaking of the best way to send money to India from the UK, here is how you can do it using Ogvio:

STEP 1:

Visit Ogvio's website and create a new account using your email.

Best money transfer to India: Ogvio sign up page with the email field highlighted.

STEP 2:

Enter the confirmation code sent to your inbox. Consider checking out your spam folder if you can't find the code in your regular inbox.

Best money transfer to India: the email confirmation code page when signing up on Ogvio.

STEP 3:

Read and agree to the Terms of Service and Privacy Policy.

Best money transfer to India: the terms of service and privacy policy agreement page on Ogvio.

STEP 4:

Here, type in your preferred Ogvio @tag. Check if it's available, then click [Claim].

Best money transfer to India: the page to claim tag on Ogvio.

STEP 5:

Once you're on the main dashboard, click [Add Money] to fund your account.

Best money transfer to India: Ogvio's main dashboard with the Add Money menu highlighted.

STEP 6:

You can choose between several top-up options. For example, I chose [Request Money] to receive money from another Ogvio user using a payment link. Enter the amount and add a note if you want to. Once you're done, click [Create request]. Alternatively, you can top up with a bank transfer, crypto or card payment.

Best money transfer to India: Ogvio's request money page.

If you want to top up your account balance with a bank transfer or send money via a bank transfer using Ogvio, you'll have to pass KYC.

STEP 7:

Take a look at the message preview, then you're ready to share the payment link. Wait for the sender to send the funds.

Best money transfer to India: the request money preview page on Ogvio.

STEP 8:

Once you have the money in your Ogvio account, go back to the main dashboard and click [Send Money].

Best money transfer to India: Ogvio main dashboard with the send money button highlighted.

STEP 9:

If this is your first time, click [Add recipient] or the [+] button. Select between the three available options. In this case, I'm choosing bank transfer.

Best money transfer to India: the add recipient page on Ogvio with the Bank transfer option highlighted.

STEP 10:

Choose the currency your recipient will receive. For India, search for INR.

Best money transfer to India: the page to choose recipient's currency on Ogvio showing INR.

STEP 11:

Input the recipient's details on the next page.

Best money transfer to India: the page to enter recipient's bank details on Ogvio.

STEP 12:

Specify how much you want to send and click [Continue].

Best money transfer to India: the send money page on Ogvio.

STEP 13:

Review your transfer details, including the fees. Once you're sure, click [Send] and wait for your money to arrive.

There you have it! The steps of sending money from the UK to India using Ogvio, starting from creating a new account to finishing the transfer.

Keep in mind that Ogvio-to-Ogvio transfers when you send money to India from the UK are free, but when it comes to bank transfers, there's a pay-in fee of £0.9 + 0.2% in the UK and a pay-out fee of ₹100 in India. For example, the cost of sending $100 in funds would be around 2.94%, but it decreases with a larger amount – sending $300 would cost 1.39%.

How to Send Money to India from the UAE

Another major country that has a strong remittance relationship with India is the UAE. Take a look at this table to understand how the whole process works:

Common Transfer Methods

Exchange houses, online money transfer apps, bank wire, and cash pickup via MTOs

Average Exchange Rate (Mid-Market)

~ AED 1 ≈ ₹24.00 (as of writing, changes daily)

Transfer Time

Exchange houses or cash pickup – instant to same day; bank wire – 1-3 business days; digital apps – instant to 3 days.

Average Fees

Exchange house – AED 18.25 to AED 75, depending on transaction size; traditional banks charge AED 30-AED 100 per transfer; remittance app fees vary depending on the service (some offer free transfers)

Details Needed to Send

Emirates ID, bank account with a UAE bank, and the Purpose of payment (RBI/FEMA-style purpose code) may be required, depending on the provider

Table: Essential information for UAE-India remittance

In addition to the information above, senders from the UAE also need to pay attention to any potential transfer limit. For example, you have a limit of AED 50,000 per transfer on Ogvio when topping up your account with a bank transfer, but there's no limit for sending money directly to an Indian bank account.

India is the largest recipient of UAE remittances, so transfer channels are mature, competitive, and heavily regulated.

Furthermore, if you're planning to do a cash pickup in India, remember that there is a cap of US$2,500 per transfer under MTSS for personal remittances (30 transactions/year) when using certain fintech operators.

Now that you know some important nuances, let's take a look at the step-by-step guide on how to send money to India from the UAE. I will use Ogvio as an example:

STEP 1:

Create a new Ogvio account. You can use either your email or your Google account.

Best money transfer to India: Ogvio's sign up page with the Google account option highlighted.

STEP 2:

Read the platform's Terms of Service and Privacy Policy and agree to them.

Best money transfer to India: Ogvio's terms of service and privacy policy agreement page.

STEP 3:

Assuming that you already have funds in your account, click [Send Money] and add a new recipient (check the guide above if you don't).

Best money transfer to India: Ogvio's main dashboard with the Send Money highlighted.

STEP 4:

Choose between the three available methods. In this example, I chose to send to another Ogvio account. It's instant and free.

Best money transfer to India: Ogvio's available transfer methods with the Ogvio user option highlighted.

STEP 5:

Search for the recipient’s @Tag and confirm.

Best money transfer to India: the tag search page on Ogvio.

STEP 6:

Enter the amount you want to transfer, check all the details, and see your money arrive in seconds.

Best money transfer to India: Ogvio's transfer amount page.

If you follow these steps and send your money to another Ogvio user, you don't have to pay any fees.

How to Send Money from Germany to India

Before I show you the steps, take a look at these essential factors to consider when sending money from Germany to India:

Common Transfer Methods

Remittance apps and traditional bank wire

Average Exchange Rate (Mid-Market)

~ €1 ≈ ₹102 (as of November 2025, changes daily)

Transfer Time

1-4 business days for bank wires; many remittance apps can do same-day or next-day depending on the payment method and provider

Average Fees

Around 1-2% (may differ depending on the provider)

Details Needed to Send

German bank account (IBAN), identity verification (e.g., government ID), sometimes proof of address, payment purpose, and possibly source-of-funds documentation depending on amount and provider

Table: Essential information for Germany-India remittance

Just like before, I want to emphasize the importance of considering the transfer limit that may apply. Ogvio applies a €100,000 limit per transfer when you top up your account via a bank in Germany, but there's no limit when you send money to India from Germany.

Another thing worth highlighting is that the Euro fluctuates frequently. So, I recommend timing your transfer when INR weakens or EUR strengthens against USD. Also, many Indian expats in Germany check the EUR/INR trends before sending.

Now, let's take a look at how to send money from Germany to India using the platform. But here is the twist – instead of sending fiat money, I will show you the steps to send cryptocurrency (or you can follow the guides above for sending fiat to another Ogvio user or a bank account):

STEP 1:

Visit Ogvio to make a new account or log in to an existing one. Read the platform's Terms of Service and Privacy Policy and agree to them.

STEP 2:

If you don't have any balance in your account yet, click [Add Money] to add funds to your Ogvio account. To top up from an external wallet, choose [See Your Wallet Address] and copy your wallet address. Use it to transfer USDC on Base from an external wallet to your Ogvio account. You can also buy some USDC via the card payment option.

Best money transfer to India: Ogvio's available top up methods with the wallet address option highlighted.

Ogvio only supports sending USDC on Base. However, you can trade it for other supported assets inside the platform.

STEP 3:

Once you're done topping up your account, head over to the main dashboard page and click [Send Money]. Then, click [Add new recipient] and choose an Ogvio user you want to send it to or the [+] button in the top right corner if you don't have them in your directory yet.

STEP 4:

Specify how much you want to send to the recipient's address, then click [Continue].

Best way to send money to Nigeria: picking an amount to send to another Ogvio user.

STEP 5:

Review the transfer details, and once you're sure, click [Send]. Ogvio users in India can then trade it for other supported crypto and hold it inside Ogvio, send USDC to other Ogvio users or withdraw to their external crypto wallets.

Crypto features on Ogvio don't require any KYC verification. So, if staying anonymous is your cup of tea, then this should be a great option! You can also simply send crypto to an external crypto wallet.

Easiest Way to Send Money to India

No one like overcomplicated platforms. So, which ones provide you with the easiest ways to send money to India?

  • Ogvio. This platform simplifies the process with its @Tag functionality. With it, you can send money to another Ogvio user simply by typing in their username, like you would send a DM via Instagram. That said, even if you're sending money outside of Ogvio, the interface is very user-friendly.
  • Wise. Features that make Wise one of the easiest to use include the fact that it shows all fees upfront, and lets you transfer directly to any Indian bank account in just a few clicks.
  • Western Union. This service is one of the easiest when it comes to cash pick ups. You can fund the transfer online and your recipient can pick up cash in minutes at thousands of agent locations.

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Wise logo
Western Union logo

Mobile App

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App UX

Customer Support

  • Email
  • Chatbot
  • Phone - 24/7
  • Email
  • Chat
  • Phone

Analytics & Reporting

  • Spend analytics
  • Export CSV
  • Earnings analytics
  • Statements CSV/PDF
  • Receipts PDF
  • API reporting
  • Transfer history
  • Track a transfer
  • History request form

Interest / Investment / Savings Options

1

Crypto trading

1

Wise Interest

2

Stocks

1

10% off travel eSIM

2

Redeemable points

3

Transfer fee discounts

Extra Features

1

@Tag functionality

2

No freezes

3

Referral program

1

Mid-market exchange rate

1

MTCN tracking

2

PCI-DSS compliance

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Table: Comparison of Ogvio, Wise, and Western Union user experience

All of the above are easy to use, but they might offer different features for different use cases, so pick the one that suits you best.

Additional Factors to Consider

Before I conclude this best money transfer to India list, I'd like to give you some additional tips in case you want to expand your research after reading this article. Remember that comparing fees and exchange rates sometimes isn't enough.

There are "hidden" quirks worth considering that would often color your real experience. Here are some more nuanced factors to help you pick the best way to send money to India, without surprises:

Transparency of Exchange-Rate Markup

Even if a platform advertises “zero fees,” it may sneak in a higher markup on the exchange rate. For example, if you look for how to send money from Australia to India using a particular service, always compare the provider’s rate to a mid-market (interbank) rate for AUD to INR at the time of sending.

Best money transfer to India: an INR 200 bill on a USD 100 bill.

A seemingly small 0.5 - 1 % shift in markup can cost you hundreds or thousands of rupees on larger transfers.

Tiered Pricing for Transfer Sizes

Some services offer “cheap per-unit” rates if you send large batches, but give you higher fees on smaller transfers. Remember to check whether the quoted percentage applies to your amount, not a “typical large amount”. For small remittances (<$200), fees often bounce to 10%+ in many corridors.[1]

Speed Versus Payout Timing

It’s tempting to pick “fastest delivery”, but you should confirm what “fastest” means. Does the recipient bank credit it immediately or by the end of the business day? Sometimes the money arrives in India quickly, but doesn’t land in the recipient’s account until the next business cycle.

Best money transfer to India: a person counting money in front of an hourglass.

Fee Caps or Maximums

If you’re sending a large sum, you may benefit from a service that caps its fees (e.g., max $50 fee no matter what). Always try to scan the terms for fee ceilings or “flat fee above threshold” clauses in the Terms of Services to see whether scaling up gives you real savings.

Local Indian Banking Partners & Network Reach

The on-the-ground bank or payment partner in India can make or break your experience. I would prefer services that can deposit directly into many Indian banks (not just a handful), reducing routing through intermediaries. More partners often mean fewer hidden charges.

Best money transfer to India: an Axis Bank building.

Regulatory & Tax Treatment

You must check if the service triggers India’s Tax Collected at Source (TCS) or incurs Goods and Services Tax (GST) on the remittance service, especially for larger transfers. For example, under India’s Liberalised Remittance Scheme, remittances for education may have favorable TCS treatment.[2]

Also, you want a provider that gives proper receipts or documentation you can use for compliance or tax filing.

Conclusions

So, where does all this leave you? Choosing the best money transfer services to India isn't about finding the single perfect option. It's more about finding the one that fits your specific needs.

We’ve seen that Wise offers transparency with its direct fees, while competitors like Western Union and WorldRemit often rely on their massive physical networks and exchange rate markups.

Or is your main concern sending a massive, one-off amount, where avoiding high limits and dealing with complex verification is paramount? Then you might tolerate a slightly higher rate for a specialized service.

If you’re looking for an instant, low-cost, and easy way to transfer money to India and more than 160 other countries, check out Ogvio.

Ultimately, the best strategy is to be the smart consumer: check the live exchange rate and the final "They Receive" amount before you hit send.

By factoring in the exchange rate markup, the fees on your source currency, and the transfer speed, you'll ensure more of your hard-earned money reaches its destination in India, quickly and securely. You’ve done the homework, now go make the transfer!

Scientific References

1. International Monetary Fund: 'Remittances: Funds for the Folks Back Home';

2. Reserve Bank of India: 'Liberalised Remittance Scheme'.


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About Article's Experts & Analysts

By Aaron S.

Editor-In-Chief

Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era. W...
Aaron S. Editor-In-Chief
Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era.
With close to a decade of experience in the FinTech industry, Aaron understands all of the biggest issues and struggles that crypto enthusiasts face. He’s a passionate analyst who is concerned with data-driven and fact-based content, as well as that which speaks to both Web3 natives and industry newcomers.
Aaron is the go-to person for everything and anything related to digital currencies. With a huge passion for blockchain & Web3 education, Aaron strives to transform the space as we know it, and make it more approachable to complete beginners.
Aaron has been quoted by multiple established outlets, and is a published author himself. Even during his free time, he enjoys researching the market trends, and looking for the next supernova.

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FAQ

What is the best money transfer to India?

The best money transfer to India depends on your priorities. For speed and low fees, platforms like PayPal and Wise are popular digital choices. If you're looking for alternative ways to send funds to India, like sending cryptocurrencies, options like Ogvio and Revolut are highly recommended since they give you more options and offer excellent money-transfer features.

Can I use Revolut in India?

While Revolut offers international transfers to multiple countries, including India, you can't create an account in the country at the time of writing. If you are specifically looking at how to send money from Australia to India, Revolut is still a viable option among other choices like Ogvio, Wise, and PayPal.

How to find a secure money transfer service to India?

To find a secure money transfer service, prioritize platforms that are licensed by regulators in both the sending country and India. Security hinges on robust features like end-to-end encryption and Multi-Factor Authentication (MFA). Most importantly, a reliable service will enforce KYC (Know Your Customer) and Anti-Money Laundering (AML) checks, which verify your identity and protect against financial fraud. Look for transparency and a clear fraud protection policy.

Can I send crypto to India?

Yes, you can send crypto to India, though the regulations can be a bit complex. You can use Indian or global crypto exchanges to send crypto that the recipient converts to INR. For direct transfers to external wallets, many platforms support this. Notably, Ogvio allows you to send and receive USDC on the Base network with zero fees. You can also swap it for other supported assets inside the platform.

Can I send money from a credit card?

Yes, you can, but it's often a poor financial decision. Most platforms charge an additional 2% to 5% fee for funding a transfer with a credit card, as they treat it like a cash advance. Plus, your credit card issuer may charge you an immediate cash advance fee and higher interest. But, if you prefer using a credit/debit card to send money, Ogvio, PayPal, and Wise are some examples of platforms that support the method for account top-ups.

Which platforms support cash pickup in smaller Indian cities or rural areas?

Traditional wire services like Western Union and certain Indian exchange houses generally have the widest physical agent networks in Tier 2 and Tier 3 cities, relying on Post Offices and authorized banks. Digital platforms are usually limited to direct bank/UPI transfers. But you can also use services like Ogvio, Wise, and Revolut to send money to bank accounts and make a fiat withdrawal from the nearest ATM.

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