Send money from India to Australia
Transfer Indian Rupees to Australian Dollars without the bank markup. X Rate Capital prices INR→AUD off the live interbank market, settles same-day, often within minutes of funds clearing over the New Payments Platform (Osko), and puts a named specialist on every transfer.
Sending the other way? Send money from Australia to India.
More routes: India transfers · Australia transfers
What people use us for in Australia
Buying property in Australia
Deposits, staged payments and completion on a Australian purchase — rate locked when you commit, funds landing over the New Payments Platform (Osko) on the day they're due.
Relocating to Australia
Move savings, salary and pension income from India without losing 3–4% to your bank each time. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Family & living costs
Regular or one-off support for family in Australia, settling same-day, often within minutes of funds clearing, with scheduled transfers and a full audit trail.
Paying Australian suppliers
Pay suppliers, contractors or staff in Australian Dollars with batch payments, forward cover on your margin, and transparent INR/AUD pricing.
Where the savings actually come from.
A high-street bank pricing INR/AUD builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over the New Payments Platform (Osko), so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most India-to-Australia transfers we handle are emigration, Australian property, and pension and salary income following people who've moved — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, INR/AUD transfers settle same-day, often within minutes of funds clearing, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your India funding and your Australia beneficiary before the first trade.
Fund over NEFT, RTGS or IMPS
Send Indian Rupees to your account using NEFT, RTGS or IMPS. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Settle into Australia
We book INR/AUD at the live rate and pay out over the New Payments Platform (Osko) — same-day, often within minutes of funds clearing. Australian dollars land over the New Payments Platform, which settles in near real time.
Frequently asked questions
How long does a transfer from India to Australia take?+
Funds reach the beneficiary over the New Payments Platform (Osko), typically same-day, often within minutes of funds clearing once your money has cleared with us and the beneficiary is verified. Australian dollars land over the New Payments Platform, which settles in near real time. AUSTRAC requires reporting on international transfers, which your provider handles. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of India?+
Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds. On the receiving side: Australian dollars land over the New Payments Platform, which settles in near real time. AUSTRAC requires reporting on international transfers, which your provider handles.
Can I fix today's INR/AUD rate for a future payment?+
Yes. A forward contract locks the current INR/AUD rate for a payment up to 24 months ahead — useful when emigration means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
Are there fees to send INR to AUD?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
How much could I save versus my bank on a INR/AUD transfer?+
On a typical bank margin of 2–4%, a £50,000-equivalent transfer costs £1,000–£2,000 in spread you never see itemised. Our margin is a fraction of that and shown to you before you commit. The calculator above gives you an indicative INR/AUD figure to compare against your bank's quote.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.