If a client, employer or relative abroad pays you, the way the money reaches you decides how much of it you keep. This page explains the main routes into and out of India, what Wise says it offers Indian users today, and which of our guides to read next. It is written for freelancers, exporters, small online sellers and families sending money across borders.
| Your situation | Where to start | Why |
|---|---|---|
| A friend or relative abroad is sending you money | Ask them to send through Wise or a bank transfer to your Indian account | Per Wise, you do not need a Wise account to receive a personal transfer |
| A freelancer or exporter paid regularly by foreign clients | Wise Business (India) | Local-style account details for foreign clients, money converted to INR, and an e-FIRC for each transfer |
| A business that takes card payments or pays overseas suppliers | Compare with Airwallex | Airwallex has a checkout and team cards that Wise does not. See our Airwallex vs Wise comparison |
| You are sending money abroad from India | Check the limits and TCS first | The Liberalised Remittance Scheme and tax collected at source apply. See our TCS on foreign remittance guide |
The points below come from Wise’s own India pages, and Wise can change them. Receiving: Wise India’s pages say a personal transfer from abroad reaches your Indian bank account without you opening a Wise account. Freelancers, exporters and businesses can use Wise Business, which issues account details in several currencies, converts incoming money to INR and sends it to your Indian bank account. Wise’s help page says the account details cannot be used to send money or hold a balance, because of regulatory restrictions.
Proof of receipt: Wise says it issues an e-FIRC for each transfer into a Wise Business account, and that it charges the equivalent of 2 USD for issuing it. Its help page also states a per-transfer range of 5 USD to 2.5 million INR; transfers outside it are returned. Sending: Wise’s India page says resident individuals can send INR to more than 90 currencies, and that the Liberalised Remittance Scheme limit of USD 250,000 per financial year applies across all your overseas remittances, not just Wise. It adds that tax collected at source may also apply.
Fees: Wise’s India pricing page says conversion fees start from 0.33% and vary by currency. Another Wise page for Indian users lists a conversion fee “from 1.13% depending on currency”. The two do not match, so run your own amount through Wise’s calculator before you decide. Wise also notes that SWIFT transfers can carry extra bank charges it cannot show upfront.
Check Wise’s current rates for your transfer →
Sources: Wise India pages on pricing, how Wise works in India, sending money to India and receiving payments for Indian businesses. Verified October 2026. Fees, limits and eligibility change, so confirm them on the provider’s own page before you act. This is general information, not financial advice.
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