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

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Send money to India from China

Fast, low-cost, and secure online money transfers to India from China.

Send money from India to China 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 (57h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 CNY
Our fee
1,508.36 CNY

Total included fees (0.75%)
1,508.36 CNY

Should arrive by Monday

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to India from China

Fast, low-cost, and secure online money transfers to India from China.

Send money from India to China 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 (57h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 CNY
Our fee
1,508.36 CNY

Total included fees (0.75%)
1,508.36 CNY

Should arrive by Monday

How to send money to India from China

Enter amount to send in CNY.

Pay in CNY with your debit card or credit card, or send the money from your online banking.

Choose recipient in India.

Select who you want to send money to and which pay-out method to use.

Send CNY, receive INR.

The recipient gets money in INR directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

How we keep your money safe

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 from China with WISE

The best way to send Chinese yuan to Indian rupee is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

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 China

The cheapest way to send 200,000 CNY to India is by using money that's in your Wise account and costs 1,492.48 CNY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

CNY

INR

Sending 200,000 CNY	Transfer cost
Bank transfer	1,508.36 CNY

Fastest way to send money to India from China

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

CNY

INR

Sending 200,000 CNY	Should arrive
Bank transfer	by Monday