Send Money to India from the UK – Fast & Low-Cost Transfers

You will need the recipient’s full name, bank account number, and IFSC code. For UPI transfers, you will need their UPI ID.

Yes. Most providers support transfers from £1 to £50,000 per transaction. Larger transfers may require ID checks or proof of funds.

Specialist providers like FC Global Payments, TorFX, Equals Money and Currencies Direct often offer the best INR rates and no transfer fees.

Compare the offered rate with the mid-market rate shown online. A large difference usually means the provider has added a markup.

Most providers do not limit how often you can send money, but daily or monthly caps may apply depending on verification level.

Yes — regulated providers use encryption, two-factor login, and secure banking systems to protect your data and payments.

Yes. Most providers offer online tracking or status updates via email/SMS.

You will need the recipient’s name, bank name, bank account number, IFSC code, and if using UPI, their recipient’s UPI ID. Some providers may also request your phone number, email address, date of birth, and additional information for security checks.

Most transfers arrive as a bank deposit in Indian Rupees (INR), but some providers also support mobile wallets, UPI payments, or collection from selected agent locations. Delivery speed varies depending on your payment method, transfer amount, and provider.

Many digital remittance services offer real-time or same-day delivery for UPI and mobile wallet transfers. Bank deposits typically arrive in 1–3 working days, depending on the provider and the delivery method you choose.

Yes. FCA-regulated providers use encryption, secure banking systems and strong authentication to give you peace of mind. You will receive updates by email or SMS and can track your transfer in real time through the website or mobile app.

Most UK providers offer secure mobile apps on Google Play and the App Store, allowing you to enter payment details, monitor your transfer amount, and track delivery speed.

You can send money to all major banks including State Bank of India (SBI), HDFC Bank, ICICI Bank, Kotak, Axis Bank and more. Transfers are made directly to the recipient’s bank account in Indian Rupees.

Always compare the GBP→INR rate across providers to find great exchange rates with low fees. Many apps show the final amount your recipient will receive before you confirm your first transfer.

Most bank transfers require the IFSC code and the recipient’s bank account number.
UPI transfers only need the recipient’s UPI ID, while some international providers may ask for SWIFT/BIC for certain routes. Always check the method supported by the provider.

Yes. Many UK-based transfer services now support direct payments to UPI IDs.
Your recipient only needs their UPI ID and bank-linked mobile number to receive funds.

Delivery time depends on payment method, verification checks, bank processing hours, weekends and Indian bank holidays. Debit card payments are usually fastest, while bank transfers can take 1–3 working days.

Online international transfer providers generally offer the cheapest combination of fees and exchange rates. High street banks often add higher fees or weaker rates, so comparing providers typically finds the cheapest way.

Yes. Limits depend on the provider, payment method, and your ID verification status.
Most services allow between £1 and £50,000 per transfer, while larger amounts may require proof of funds or source-of-income checks.

For bank transfers, funds are deposited automatically.
For UPI, the money arrives in their linked bank account.
For cash pickup (if available), they must bring valid ID to the pickup location.

Some providers add a “markup” to the exchange rate instead of charging a fee.
This can reduce how much INR your recipient receives. Services that show the total cost upfront help avoid hidden fees.

Many UK transfer providers offer mobile apps with real-time tracking, saved recipients, instant card payments and rate alerts. Transfers follow the same security rules as desktop payments.

Sending personal money transfers from the UK to India is generally not taxable for the sender.
Large transfers—especially for property or investments—may require documentation under India’s receiving rules.

Depending on the method, you may need the recipient’s:

• full name
• bank account number
• IFSC code
• UPI ID (optional if using UPI)
• mobile number
• email address for notifications