USD$ = 95.81₹ GBP£ = 128.60₹ EUR€ = 111.17₹ CAD$ = 69.44₹ AUD$ = 68.30₹ AED = 26.09₹ SGD$ = 74.86₹ NZD$ = 56.14₹ SEK = 10.22₹
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Send AUD to India

Compare rates and fees before you transfer

Remittance partner

Check the AUD-INR rate, fee, and payout before you remit

Use the calculator first, then continue with Wise when the rate and payout look right.
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Common Questions

Online transfer services like Wise, Remitly, and OFX are typically cheaper than Australian banks. Wise offers the mid-market rate with a small fee. OFX is particularly competitive for larger transfers (AUD 5,000+) with no transfer fee. InstaReM (now Nium) is another option popular with the Indian diaspora in Australia. Always compare the total INR the recipient gets, not just the advertised fee.
Most online services deliver within 1-2 business days. Wise often completes transfers within hours when funded via PayID or bank transfer. Bank wire transfers take 2-4 business days and cost more. PayID is the fastest and cheapest funding method from Australian bank accounts.
AUSTRAC (Australian Transaction Reports and Analysis Centre) monitors international transfers. Transfers of AUD 10,000 or more are automatically reported to AUSTRAC by your bank or transfer service. This is a reporting requirement, not a tax — you won’t pay extra. However, keep transfer records for your Australian tax return, especially if claiming foreign tax credits on Indian income.
Yes. Most remittance services operating in Australia accept PayID as a funding method. It’s fast (usually instant), free, and more convenient than bank transfers. Wise and Remitly both support PayID funding from Australian bank accounts. It’s generally the recommended funding method — faster than bank transfer and cheaper than card payments.

AUD to INR — Sending Money from Australia

Australia’s 800,000-strong Indian community is one of the fastest-growing in the world. Whether you’re supporting family, investing in India, or paying bills back home, the AUD-INR rate makes a real difference.

How to Compare Remittance Options

Every transfer has two costs:

  1. Transfer fee — the explicit charge per transaction
  2. Exchange rate margin — the gap between the mid-market rate and the provider’s rate

Australian banks typically charge AUD 20-30 per international transfer and add a 3-5% margin on the exchange rate. Online services are significantly cheaper.

Wise

  • Rate: Mid-market rate (no markup)
  • Fee: Small transparent fee (typically AUD 5-15)
  • Speed: Hours to 1 business day
  • Funding: PayID, bank transfer, debit card
  • Best for: Regular transfers, transparency

OFX

  • Rate: Competitive, especially on large amounts
  • Fee: No transfer fee
  • Speed: 1-2 business days
  • Best for: Large transfers (AUD 5,000+)

Remitly

  • Rate: Good promotional rates for first-time users
  • Fee: Varies by speed tier
  • Speed: Minutes (Express) to 3-5 days (Economy)
  • Best for: Urgent transfers, promotions

InstaReM (Nium)

  • Rate: Competitive rates for the Australia-India corridor
  • Fee: Low fees, sometimes zero on promotions
  • Speed: 1-2 business days
  • Best for: Indian diaspora features, competitive rates

Bank wire transfer

  • Rate: Typically the worst exchange rate
  • Fee: AUD 20-30+ per transfer
  • Speed: 2-4 business days
  • Best for: Rarely the best option

Tips for Australia NRIs Sending Money

  • Use PayID — fastest and cheapest funding method from Australian banks
  • Avoid credit card funding — adds 1-3% on top of the transfer cost
  • NRE vs NRO — send to NRE for tax-free interest in India
  • ATO reporting — keep transfer records for your Australian tax return
  • Superannuation — don’t neglect your Australian super; it’s the equivalent of a pension fund
  • Set rate alerts — AUD-INR can fluctuate significantly. Lock in good rates when they appear.

Rates and fees change frequently. Always compare current rates before transferring. NRIWallah may earn a commission from partner links — our comparisons remain unbiased.

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Check the AUD-INR rate, fee, and payout before you remit

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