Send Money to India from UK – Low Fees & Fast Transfers

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Best Ways to Send Money to India

If you live in the UK and need to send money to India, you have a few options. Some are fast and affordable, while others may take longer and be more expensive. Here are the common choices you can think about:

  • You can send money to personal or business accounts in India, such as State Bank of India, ICICI Bank, and HDFC Bank.
  • You can use money transfer services such as Equals Money or TorFX
  • There are cash pickup options that you can find through agents or bank branches.
  • You can also make transfers using a debit card or credit card through different apps or websites.

Here is a easy comparison of common payment methods and their usual speeds:

Payment Method Transfer Speed Notes
Bank transfer 1–3 working days Standard method, may include hidden fees
Debit card Instant to 1 day Fast, but fees vary by provider
Credit card 1–2 days May charge extra fees or cash advance charges
Cash pickup Minutes to 1 day Good for unbanked recipients
Online banking Same day or next day Efficient for most transfers to Indian accounts

GBP to INR Exchange Rate – See Today’s Live Rate

As of April 16, 2025, the exchange rate from GBP to INR is:

1 GBP = ₹113.39 INR

Some services may charge a lower rate due to exchange rate markups. This can reduce the amount of money your recipient gets. Always check and compare providers to know the true cost of your transfer.

Step-by-Step Guide: How to Send Money to India

  1. Choose a trusted provider like one of those listed on Free Price Compare
  2. Enter how much money you want to send from your own accounts.
  3. Add recipient details such as their name, bank account number, IFSC code, or UPI ID.
  4. Select a payment method like a debit card, credit card, or bank transfer.
  5. Upload a photo of your ID if needed for verification changes.
  6. Enter your email address and phone number.
  7. Confirm the transfer and check the total cost upfront.
  8. Track the payment online or with the Wise app or other apps.

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Comparing Features, Fees, and Reliability for Seamless Money Transfers

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How Much Does It Cost to Send £1,000 to India?

Here’s how much money your recipient would receive from a £1,000 transfer today, based on available rates from our trusted partners:

Provider Fees Rate (GBP to INR) Recipient Gets (₹) Delivery Time
Equals Group £0 - £5 (varies by method) 113.10 ₹113,100 1–2 working days
FC Global Payments £0 – bespoke pricing 113.25 ₹113,250 Same day to 1 day
Halo Financial £0 – includes account manager 113.00 ₹113,000 1–2 working days
Key Currency £0 (no transfer fee) 112.80 ₹112,800 Same day to 1 day
OFX £0 (minimum transfer £100) 113.15 ₹113,150 1–2 working days
Regency FX £0 (corporate rates) 113.05 ₹113,050 1–3 working days
TorFX £0 (no fees) 113.20 ₹113,200 Same day to 2 days
Currencies Direct £0 (no hidden charges) 113.18 ₹113,180 1–2 working days

📅 Rates checked on April 16, 2025. Amounts are estimates and may vary slightly depending on market movement, payment method, and time of day.

How Long Does It Take to Transfer Money to India?

  • Debit card: Instant to 1 day
  • Bank transfer: 1 to 3 business days
  • Cash pickup: Usually available within minutes (State Bank of India, Punjab National Bank)
  • Credit card: 1 to 2 days (but may have higher fees)

How Can I Avoid Hidden Fees When Sending Money to India?

Many people don't realise how much they are spending. A lot of this comes from hidden fees and exchange rate markups. Here are some ways to get cheaper transfers:

  • Check the total cost from the beginning, not just the fee.
  • Pick providers that show clear exchange rates
  • Avoid high street banks – they often add extra cost in the exchange rate.
  • Be careful with "flat fee" statements that ignore poor exchange rates.
How Can I Avoid Hidden Fees When Sending Money to India

Is It Safe to Send Money to India?

Yes, many services follow the rules made by UK financial institutions, like the FCA. They use encryption and ID checks to keep your personal data safe. This helps to prevent the most sophisticated fraud attempts.

You'll usually need:

  • A valid email address
  • A phone number
  • A photo of your ID (like a passport or driving license)
  • If you want, a Facebook account for social ID on some apps

Many providers use local bank accounts in India. This helps reduce transfer costs and delays.

Who Sends Money to India?

This is one of the popular routes for sending money in the UK. Many people use it to send funds.

  • People who help their family or parents back home
  • Students who cover their school or living costs
  • Property owners who looking after their investments
  • Freelancers or remote workers who get paid
  • Small businesses that make monthly payments to their partners

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

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Compare Trusted UK Currency Transfer Providers

Provider Why Choose Them Key Strengths for India Transfers
Equals Group Regulated, user-friendly platform, transparent pricing Good for SMEs & personal transfers to Indian banks
FC Global Payments Strong business support, tailored FX contracts Ideal for regular or large INR transfers
Halo Financial Personal account managers, strong customer support Great for property buyers or expats
Key Currency Competitive rates, no hidden fees Useful for bank-to-bank transfers to India
OFX 24/7 online transfers, FCA regulated Trusted for large transfers and regular payments
Regency FX Dedicated dealers, tailored solutions Best for high-value or complex transfers
TorFX Award-winning service, personal FX support Well-suited for one-off and recurring transfers
Currencies Direct High Trustpilot rating, competitive INR rates Supports Indian bank accounts & UPI transfers

All brand names belong to their owners.

Correct as of 16 April 2025

FAQs – About Sending Money to India from the UK

To send money, you need the recipient's full name, their bank account number, and the IFSC code. If you are using UPI for the transfer, make sure you have their UPI ID.

Yes. Most providers allow you to make large transfers (over £10,000). However, you must complete full verification first. This means showing your ID and possibly giving proof of previous transfers or proof of income.

Many of the larger providers allow you to make transfers online, through your mobile or through an app

Check the mid-market rate. Then, look at the rate your provider offers. If there is a significant difference, they may be using exchange rate markups to charge you more.

You can usually make as many transfers as you want. But, if the transfers are large or happen frequently, they may require extra verification changes for compliance.

More on Currency Exchange

Page last updated on: 01/01/2025

Page reviewed by: Andrea Troy

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