Send money from India to the UK
Transfer Indian Rupees to British Pounds without the bank markup. X Rate Capital prices INR→GBP off the live interbank market, settles same-day, usually within hours over Faster Payments (or CHAPS for larger sums), and puts a named specialist on every transfer.
Sending the other way? Send money from the UK to India.
More routes: India transfers · UK transfers
What people use us for in the UK
Buying property in UK
Deposits, staged payments and completion on a British purchase — rate locked when you commit, funds landing over Faster Payments (or CHAPS for larger sums) on the day they're due.
Relocating to UK
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 UK, settling same-day, usually within hours, with scheduled transfers and a full audit trail.
Paying British suppliers
Pay suppliers, contractors or staff in British Pounds with batch payments, forward cover on your margin, and transparent INR/GBP pricing.
Where the savings actually come from.
A high-street bank pricing INR/GBP builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over Faster Payments (or CHAPS for larger sums), 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-UK transfers we handle are UK property, tuition at British schools and universities, and families splitting time between the UK and abroad — 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/GBP transfers settle same-day, usually within hours, 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 UK 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 UK
We book INR/GBP at the live rate and pay out over Faster Payments (or CHAPS for larger sums) — same-day, usually within hours. Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day.
Frequently asked questions
How long does a transfer from India to the UK take?+
Funds reach the beneficiary over Faster Payments (or CHAPS for larger sums), typically same-day, usually within hours once your money has cleared with us and the beneficiary is verified. Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day. 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: Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day.
Can I fix today's INR/GBP rate for a future payment?+
Yes. A forward contract locks the current INR/GBP rate for a payment up to 24 months ahead — useful when UK property 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 GBP?+
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/GBP 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/GBP 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.