FAQs

Direct Credit

As money gets directly deposited in the bank account, your recipient doesn't have to wait for the courier or postal service to deliver the money. And here are a few more advantages:

  • You don't have to pay any charges to your bank.
  • Your recipient doesn't have to visit the bank because your money goes directly into the receiver's account.
  • You don't wait for the deposited demand draft to clear.
  • Your family doesn't have to visit agents or handle cash, which could be risky.

Remit2India has joined hands with around 89 reputed banks across India. If your recipients have an account with any of the banks listed below, you can send money directly into their accounts.

  • Abhyudaya Co-Op Bank Ltd.
  • ABN AMRO Bank (does not exist anymore)
  • Abu Dhabi Commercial Bank
  • Ahmedabad Mercantile Co-Op Bank Ltd.
  • Allahabad Bank
  • Andhra Bank
  • Axis Bank Ltd
  • Bank of America
  • Bank of Baharain and Kuwait BSC
  • Bank of Baroda
  • Bank of Ceylon
  • Bank of India
  • Bank of Maharashtra
  • Bank of Nova Scotia
  • Bank of Rajasthan Ltd.
  • Bank of Tokyo Mitsubishi Ltd.
  • Barclays Bank
  • Bharat Co-Op Bank Ltd.
  • BNP Paribas
  • Calyon Bank
  • Canara Bank
  • Catholic Syrian Bank Ltd.
  • Central Bank Of India
  • Centurion Bank of Punjab
  • Citi
  • Citizen Credit Co-op Bank Ltd.
  • City Union Bank Limited
  • Corporation Bank
  • Cosmos Co-operative Bank Ltd.
  • DBS Bank Ltd.
  • Dena Bank
  • Deutsche Bank
  • Development Credit Bank
  • Dhanlaxmi Bank Ltd.
  • Dombivli Nagari Sahakari Bank Ltd.
  • Federal Bank Ltd.
  • Greater Bombay Co-op. Bank Ltd.
  • HDFC Bank
  • HSBC Bank
  • ICICI Banking Corporation Ltd.
  • IDBI Bank
  • Indian Bank
  • Indian Overseas Bank
  • IndusInd Bank
  • ING Vysya Bank
  • J P Morgan Chase Bank
  • Jammu And Kashmir Bank Ltd.
  • Janakalyan Sahakari Bank Ltd.
  • Kalupur Commercial Co-op Bank Ltd.
  • Kapol Co-Op Bank Ltd.
  • Karnataka Bank Ltd.
  • Karur Vysya Bank Ltd.
  • Kotak Mahindra Bank Ltd.
  • Lakshmi Vilas Bank
  • Maharashtra Co-Op Bank Ltd.
  • Mashreq Bank
  • New India Co-op Bank Ltd
  • North Kanara G.S.B. Co-op. Bank Ltd.
  • Nutan Nagrik Sah Bank Ltd
  • Oman International Bank
  • Oriental Bank of Commerce
  • Parsik Janata Sahakari Bank Ltd.
  • Punjab and Maharashtra Co-Op Bank
  • Punjab And Sind Bank
  • Punjab National Bank
  • Saraswat Co-operative Bank Ltd.
  • Shamrao Vithal Co-Operative bank Ltd.
  • Shinhan Bank
  • Societe Generale
  • South Indian Bank Ltd.
  • Standard Chartered Bank
  • State Bank of Bikaner And Jaipur
  • State Bank of Hyderabad
  • State Bank of India
  • State Bank of Indore
  • State Bank of Mauritius
  • State Bank of Mysore
  • State Bank of Patiala
  • State Bank of Travancore
  • Syndicate Bank
  • Tamilnad Mercantile Bank Ltd.
  • Thane Janata Sahkari Bank Ltd.
  • The Mahanagar Co-Op Bank Ltd.
  • The Ratnakar Bank Ltd
  • UCO Bank
  • Union Bank Of India
  • United Bank Of India
  • Vijaya Bank
  • Yes Bank Ltd.

Money on Referral

MOR is the referral program of Remit2India. Refer your NRI friends and family to Remit2India and get Rs. 2,500 for every friend who Signs-up and transacts with Remit2India. Your friends also get Rs. 500 once they complete their first transaction.

All you need to do as our registered customer is refer your NRI friends, relatives and acquaintances and spread the word.

  • Once you refer a friend, we will send your referral an email to Sign-up for our services and your MOR account will be credited with Rs. 500/- when your friend Signs-up with us
  • That's not all. You will get an additional Rs. 2,000 in your MOR account when your friend makes the first transaction
  • So, we credit a total of Rs. 2,500 to your MOR account, which you can redeem whenever you like. You can refer as many friends you like. So if you refer 10 friends, you can make Rs.25,000, which is approximately US $400.
  • After the first transaction, your friend also gets Rs. 500/- in her/his account.

Simply put, the more you refer, the more you earn

  • It is important that your friend signs-up for our service by clicking on the link in the email that is sent by Remit2India. This is the only way we can link him or her back to you
  • In case you want to remind your friend on the phone or Facebook or chat, s/he has the option of entering your customer ID in the 'How did you hear about us' field while signing-up with us. This number is the first seven digits of any transaction reference number (RTRN) that you would have got for any transaction done through us. For example, if your RTRN is 1111111001, then '1111111' is your customer ID
  • You need to have a minimum balance of Rs. 500 in your MOR account for you to be able to redeem it against your next remittance transaction with us
  • If you do have a balance of over Rs. 500, you would need to select the redeem MOR benefits option while completing your next transaction with us. It would be visible on the last page of your transaction
  • The redeemed amount would be added in Indian Rupees & sent along as a separate transaction.
  • All registered users of Remit2India are eligible for our referral program. If you haven't registered yet – Sign-up now.
    To start earning, make sure that your friends:

    • Belong to a country that we service
    • Are not our existing users
    • Complete at least their first transaction with us

    Yes. As we credit your Remit2India account for valid referrals, you have to be our registered user.


    When you refer your friends for our services, we will immediately send them an email.
    Ask them to click on the registration link in the email we sent. This will help us give you the due credit for each friend you refer. This is important because we create a customized link just for you.

    There is no limit on the number of people you can refer and the amount you can earn.

    To redeem your MOR credit you can choose to send the MOR credit as an additional amount along with your remittance amount to your recipient in India.
    Note: You will be able to redeem your MOR balance only when the NRI friend you refer has completed the first transaction with us. If your friend has just registered and not transacted, your MOR credit will be Rs. 500/-. When your friend completes the first transaction, you get an additional Rs. 2,000/- and the entire amount of Rs. 2,500/- instantly becomes redeemable.

    Guaranteed Exchange Rate is the exact same rate you get that you see. In other types of transfers, the exchange rate applied is that which is valid on the day when your money is converted to Indian rupees. But when you choose Guaranteed Exchange Rate, you know exactly what rate you will get.
    This is a useful option if you have a fixed rupee commitment in India like a loan EMI, property purchase, etc.

    As the name suggests, this exchange rate is indicative. It means that it is the current exchange rate.For your transaction though, the exchange rate applied will be the exchange rate on the day your money is converted to Indian rupees. That rate may be a little different from the current or indicative exchange rate because the market keeps fluctuating. Depending on the market, you could get a slightly higher or marginally lower rate from the one you saw when you booked a transaction.

    You can view the exchange rate for the day by using the Online Exchange Rate Calculator.

    We keep updating the exchange rate during the day so that you always know the latest rate as per the market.
    Market rates fluctuate as per the Indian markets and time. For you, it may reflect at different points of time on our website based on the location from which you access it.
    Remit2India does not control or determine the market rate. This means that your actual rate applied could end up being more than the one you saw when you booked a transaction, if the market rate is favorable when your transaction is processed.

    Please take a look at the fees that apply to your money transfers:


    USD 50 - USD 500 USD 501 - USD 999 USD 1,000- USD 10,000 USD 10,001 -USD 25,000 USD 25,001 - USD 50,000 USD 50,001 & Above
    USD 2.99 USD 2.99 Free Free Free Free

    Please take a look at the fees that apply to your money transfers:

    GBP 50 - GBP 3000 GBP 3001 - GBP 10000 GBP 10,001 +
    GBP 0 GBP 0 GBP 0
    *Special Limited Period Offer: All transaction fees waived, so your family gets more!

    Please take a look at the fees that apply to your money transfers:

    AUD 50 - AUD 25,000
    AUD 0

    Please take a look at the fees that apply to your money transfers:

    EUR 500 - EUR 25000
    EUR 5

    Before you finalize the amount you want to send to India, please take a look at the fees that apply.

    EUR 50 – EUR 500 EUR 501 – EUR 200,00
    EUR 2.99 0.60% of the sending amount

    Please take a look at the fees that apply to your money transfers:

    SGD 50 - SGD 500 SGD 501 - SGD 2,000 SGD 2,001 - SGD 5,000 SGD 5,001 - SGD 2,00,000
    SGD 6* SGD 6* SGD 6* SGD 0
    *Special Limited period offer: 50% discount on transfer fees for transactions up to USD 5000 and NO fees for higher transactions

    Please take a look at the fees that apply to your money transfers:

    HKD 50 - HKD 2,00,000
    HKD 30

    Before you finalize the amount you want to send to India, please take a look at the fees that apply.

    JPY 10,000 -JPY 5,00,000
    JPY 1,000

    Before you finalize the amount you want to send to India, please take a look at the fees that apply.

    CAD 50 - CAD 500 CAD 501 - CAD 200,000
    CAD 2.99 0

    Before you finalize the amount you want to send to India, please take a look at the fees that apply.

    NZD 50 - NZD 500 NZD 501 - NZD 5,000 NZD 5,001 +
    NZD 6 NZD 12# NZD 12*
    # Special period offer: NZD 6 waived off. The fee for this slab will be NZD 6 only.
    * Special period offer: NZD 3 waived off. The fee for this slab will be NZD 9 only.

    Remit2India's money transfer service is a secure online way of sending money to India from different countries across the world. You just need to follow 3 steps to send money to India with us.

    1. Register on the Remit2India Money Transfer site by entering basic details
    2. Select your sending option
    3. Provide details of the receiver in India and send

    Only Non-Resident Indians, Persons of Indian Origin (collectively, "non-residents") shall access, use and avail the Website and the facilities only to the extent the domestic laws of India and such other countries permit them to access, use and avail of the Website and the Facilities.

    Currently, you can transfer money to India in 5 currencies such as U.S Dollar, Canadian Dollar, Pound Sterling, Australian Dollar, and Ireland Euro.

    With Remit2India, you can currently transfer money from 5 countries to India. These countries are:

    1. United States
    2. United Kingdom
    3. Australia
    4. Canada
    5. Ireland

    We are a part of Unimoni. We believe in providing value, convenience and more importantly, transparency and security to users.

    More importantly, unlike banks, our only focus is on online money transfers to India. So we are able to provide cutting-edge solutions with focused support.

    Definitely, yes. We use the best technology available for your transactions. All our servers and firewalls have gone through extensive security tests and they are constantly monitored for suspicious activities. Plus, in none of our payment modes does any debit appear in your bank account unless you have personally authorized it.

    You can send money for family maintenance, Credit to NRE/ NRO account and saving purposes only.

    Remittance Reference Transaction Number or RTRN is a unique number displayed on your screen at the time of booking your remittance. You need to refer to the RTRN in different situations:

    • You get to know the exact status of your transfer by simply clicking on your RTRN on our Status Tracker
    • Whenever you write mails to us or call us about your transfer, you can just specify the RTRN to know everything about your transaction
    • If you send a wire transfer to the bank via your local bank, you need to fill in your RTRN on the Remittance Confirmation page. You then need to take a printout of this page after you complete your transaction through Remit2India, in order to submit to your bank

    After you send money to India with Remit2India, we keep you informed of the status through regular email updates and reminders.

    We give you updates on all stages of your transactions. They are:
    Money Awaited: This means that the money has not reached the bank. This status also shows up when your wire transfer has not reached our bank account
    Money Delivered: This means that the amount is directly deposited in the recipient's bank account. You can view the delivery details against your Remittance Reference Number
    Money in Clearing: This means that the bank has received your fund transfer instruction and it is in the banking channels for clearance
    Money Dispatched: This means that your funds or funds transfer instruction is cleared; or your wire transfer money is realized and dispatched to the recipient
    Dead Letter: This appears if, one month after booking your remittance with us, the bank has not received your wire transfer instruction. If you would still like to send money to your beneficiary, you will now need to book it as a new transaction
    Apart from regular email updates from Remit2India, you can get latest updates by clicking on your RTRN under Status Tracker after logging in to Remit2india website.

    No. You can send money to as many people as you want. Remit2India Money Transfers has an Address Book feature where you can enter and store your receivers' details for quick access the next time you want to send money to them.

    Yes, you can send money to any NRE account in India. If you have an NRE account with any of Remit2India Money Transfer's partner banks, money is directly credited into that account.

    No. You can continue to use your existing bank accounts.

    No. Since you have paid your taxes overseas on income that you have earned, your recipient does not need to pay taxes on the money that they receive.

    There are many reasons why Remit2India is better than conventional methods:

    • Online remittances with Remit2India mean less legwork for you
    • We offer you multiple sending options
    • Our transaction fees are extremely affordable; and the exchange rates are among the very best; you can select a booking exchange rate or even opt for a Guaranteed Exchange Rate
    • Our entire process is cashless and online
    • With us you can also deposit directly into receiver accounts across 89 banks and around 87,000 of their branches across India
    • Our excellent customer support is available for you 24x7
    • We ensure that you can track your money online all the way to India
    • We provide security and safety for your money transfers. Our systems are protected by the latest technology and are constantly monitored for suspicious activities
    • We give you the facility to set payment alerts for your regular transfers such as EMIs for home, education loans and insurance premiums



    Wire Transfer

    A Wire Transfer through Remit2India allows you to transfer money to India from any of your existing bank accounts overseas in just 2 working days.

    Benefits of a Wire Transfer are:

    • There is no need to pay the high fees of an international Wire as this is a local wire transfer for you
    • Wire transfer can be done from any bank
    • Money usually reaches within 2 days of transfer

    You may make a Wire Transfer in 10 currencies. They are:

    • US Dollar
    • Canadian Dollar
    • Singapore Dollar
    • Pound Sterling
    • Euro
    • Japanese Yen
    • UAE Dirham
    • Australian Dollar
    • New Zealand Dollar
    • Hong Kong Dollar

    Once you have completed your transaction, your screen displays the Remittance Confirmation Page. Print this page and submit it to your local bank with your signature.

    The exchange rate prevalent on the day your money is converted to Indian rupees is the rate that will apply to your remittance. Our online calculator will let you know the prevailing exchange rate whenever you book your remittance so that you have a fair idea of the amount your recipient can expect in INR.

    If you have booked your transaction via Wire Transfer, you have to hand over the printout of the Remittance Booking Instruction Page to your bank. Only then can your bank initiate the transfer.




    NetBanking Transfer

    Using NetBanking Transfers, you can now transfer money instantly without having to go through the trouble of booking a transaction initially and then initiating a transfer from your bank's site. In other words through NetBanking Transfers, you can seamlessly send money through Remit2India.

    NetBanking Transfers is one of the easiest methods of sending money. The following are the advantages of NetBanking Transfers:
    Speed- Transactions are processed faster since the money transfer is made immediately after successful confirmation.
    Security- Highest level of security is assured since NetBanking Transfers employ the PIN/TAN system for protection against data/identity theft.
    Convenience- Since your money transfers happen at one go, you need not separately login to your bank account to initiate the money transfer.
    In other words, all you need to do is login to your Remit2India account and choose NetBanking Transfers as your sending option.

    No, If you are an existing customer of Remit2India, you do not have to register separately for NetBanking Transfers.

    No, there is no separate fee for using NetBanking Transfers.

    Currently this service is only available to our customers in Australia, Ireland, and United Kingdom.

    No, NetBanking Transfers is a direct remittance method and not a debit method hence transferred amounts cannot be recalled.

    Instant Transfers offers you to transfer money instantly to your receiver’s bank account in India. Instant credit would happen 24/7 even on weekends and bank holidays.

    Instant Transfers is subject to following:

    1. Receiver’s account should be among one of the IMPS listed banks mentioned below
    2. Converted money should be less than or equal to INR 200,000

    IMPS Enabled Banks

    • ANDHRA BANK
    • BANK OF BARODA
    • BANK OF MAHARASHTRA
    • BARCLAYS BANK
    • CANARA BANK
    • CATHOLIC SYRIAN BANK LTD
    • CENTRAL BANK OF INDIA
    • CITY UNION BANK LTD.
    • DENA BANK
    • FEDERAL BANK
    • HDFC BANK
    • ICICI BANK LTD
    • INDIAN BANK
    • INDIAN OVERSEAS BANK
    • KARNATAKA BANK LTD
    • KARUR VYSYA BANK LTD
    • KOTAK MAHINDRA BANK LTD
    • PUNJAB NATIONAL BANK
    • PAYTM PAYMENTS BANK LTD
    • SOUTH INDIAN BANK
    • STATE BANK OF INDIA
    • SYNDICATE BANK
    • TAMILNAD MERCANTILE BANK LIMITED
    • UCO BANK
    • UNION BANK OF INDIA

    Transferring funds to your beneficiary account is our primary objective. However, this shall be subject to compliance verification. In case our Compliance team asks for any documentation, please ensure that the same is provided at the earliest for faster processing of transaction. In case of additional compliance verification required by us, the instant transfers shall not be applicable.

    Cases where same day transfer is applicable:
    1. The amount is higher than INR 200,000
    2. The receiver bank account is not in the above mentioned list
    3. Please note that on Indian bank holidays, we would not be able to execute your remittance instruction. However, we shall execute the same during the next working day to ensure that your receiver receives the credit on time.

      A same day transfer is subjected to the following:
    • In case of bank holidays in India, we would not be able to execute your remittance instruction. However, we shall execute the same during the next working day to ensure that your beneficiary receives the funds on time

    Instant Transfers - The money would be credited to the receiver’s account in seconds, if there is no additional verification required by our Compliance team.

    Same Day transfer - Your receiver will receive the money same day if you book the transaction between 9 AM to 3 PM (AEST) from Monday to Friday, provided there are no banking holidays in India and no additional verification required by our Compliance team.

    Instant Transfers - The money would be credited to your receiver’s account in minutes, if there is no additional verification required by our Compliance team.

    Same Day - The transaction would be processed in the next working day if there is no additional verification required by our compliance team.

    Instant Transfer – There is no cut off time. As soon as you complete the transaction, the money is credited in your receiver’s account.

    Same Day - You need to book your remittance transfer using the Net-Banking Transfer sending option between 9 AM to 3 PM (AEST) from Monday to Friday. All transactions booked after 3 PM AEST will be processed in the next working day.

    Instant Transfers - Maximum amount that you can send in a single transaction is INR 200,000 but you can book multiple transactions.

    Same Day - There is no upper limit to the send amount.

    Transaction once booked cannot be cancelled. If you still want to cancel the transaction, there would be a cancellation charges of 10 AUD.

    The rate at which you book the remittance transfer is the guaranteed rate offered and the same shall be applied to your transaction

    Our Compliance team may ask for additional documentation if required. Post submission of documents by the customer and verification by our compliance team, your transaction shall be processed.

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