Wise · United States to India

Wise U.S. to India (USD → INR)

USD → INR

Send USD to India in INR using the mid-market exchange rate and an upfront fee quote. Deliver to an Indian bank account or UPI ID; funding options, limits and arrival time depend on your account and location.

Pros

  • Mid-market exchange rate with upfront fees.
  • Indian bank accounts, including NRE/NRO, or UPI IDs.
  • Recipient does not need a Wise account.

Cons

  • Identity, address and legal-residence checks may be required.
  • Nevada, American Samoa and Mariana Islands have different limits and no debit/credit-card funding.
  • India transfers for investment or charitable donations are not supported.
  • Funding and conversion can add time; instant delivery is conditional.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Conditional

Residency and other conditions: Personal services require age 18+. Use your own profile and funds; cardholder name must match. U.S. verification may require SSN or ITIN; if it is not accepted, Wise offers ID/selfie verification. Non-U.S. citizens are asked for non-U.S. ID. Use an accurate residential address; proof of address and right to reside may be requested. U.S. help says SSN/ITIN verification does not run a credit check, but the U.S. agreement dated 2026-09-25 reserves credit-report inquiries for due diligence with permission first; hard/soft type is unspecified. No blanket immigration-category approval inferred. Nevada and certain territories use a separate agreement: https://wise.com/us/legal/terms-of-use-us2.

Geographic restrictions: Nevada residents can send USD but cannot fund with debit/credit cards and have different ACH/aggregate limits. The same restrictions apply to American Samoa and Mariana Islands. Do not exclude Nevada from all Wise transfers. Availability and terms depend on registered residence; other excluded states were not established from these sources.

Product review: 30 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare remittance requirements and costs · How we assess published requirements

Check Wise for the INR received, transfer fee and estimated arrival for your transfer.

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Payment options, limits and identity requirements have not yet been confirmed for this listing.

Fees and exchange rate

Transfer fee Upfront fee depends on amount and payment method; no recurring subscription fee. Source ↗
Exchange rate Uses the mid-market rate with separately quoted fees. The rate is set at transfer time and changes frequently; check the live quote before sending — no fixed rate is stated here. Checked 2026-10-30.
Introductory offer

Zero fees on first transfer up to $500; limited-time offer for first-time customers only — checked 2026-10-30.

Payment and delivery options

You pay with Requires availability confirmation
Recipient receives via Bank deposit, UPI and cash pickup require availability confirmation

Requirements and limits

Residence Adult personal sender; identity/residence verification and own funding apply.
Identity documents Government-issued ID may be requested
SSN / ITIN U.S. verification may request SSN or ITIN; ID/selfie alternatives are described. · ITIN accepted for U.S. verification; additional checks may apply.
Sending limits Personal ACH $50,000/24h; cards $2,000/24h and $8,000/7 days in eligible locations. Nevada and certain territories have lower limits and no card funding. INR payout: up to 100,000,000 INR per transfer to a private individual; IMPS up to 500,000 INR instantly; UPI up to 200,000 INR instantly; business up to 1,500,000 INR per working day. Source ↗
State availability Nevada residents can send USD but cannot fund with debit/credit cards and have different ACH/aggregate limits. The same restrictions apply to American Samoa and Mariana Islands. Do not exclude Nevada from all Wise transfers. Availability and terms depend on registered residence; other excluded states were not established from these sources.

Help and evidence

Support, cancellation and refunds

Support details are not confirmed.

Cancellation / refund: Unpaid transfers can be canceled in app; paid transfers depend on processing stage. Refund time depends on funding method.

Official sources

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This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.