How to send money online in India using Wise

Last updated: February 16, 2026

If you are an Indian resident and want to send money abroad with less friction, Wise can be one of the simplest options to compare.

Create your Wise account here and check your route-specific fees before you send.

Disclosure: This post includes my Wise referral link. If you use it, I may receive a referral reward at no extra cost to you.

Quick answer

You can send money online in India through Wise by:

1. Creating an account
2. Completing identity verification
3. Choosing your currency route and recipient details
4. Funding the transfer from your bank account
5. Tracking delivery status in your Wise dashboard

Step-by-step: send money from India

1. Open Wise and select the currency you want to send.
2. Enter recipient details (bank account or other supported payout method).
3. Complete verification if required for your route.
4. Pay from your personal bank account using available local rails.
5. Track the transfer timeline in-app until the recipient gets funds.

What details you need before starting

For most transfers, prepare:

• Recipient full legal name
• Recipient bank details (or supported payout ID)
• Purpose of transfer (for compliance)
• Your own KYC documents if verification is prompted

Limits, speed, and fees

These vary by:

• Sending currency and destination country
• Transfer amount
• Payment method
• Compliance checks and banking hours

Always confirm the final fee and delivery estimate in Wise right before payment, because route conditions can change.

Common restrictions to know

Depending on your profile and route, Wise may restrict:

• Business vs personal transfer types
• Certain transfer purposes
• High-value transfers without additional documentation
• Specific recipient/account combinations

If your transfer is delayed, it is often due to additional verification or regulatory review, not necessarily a failed payment.

How to keep transfers smooth

• Match your Wise profile name with your bank account name
• Use correct recipient details (especially account number and code)
• Pick the right transfer purpose
• Upload clear verification documents when requested

Related guides

• How to verify your Wise account
• How Wise works
• How Wise referral works

Final takeaway

Wise is useful when you want transparent fee preview, real-time tracking, and a cleaner transfer flow than many traditional options.

If you want to test it, start here with my referral link and check your exact route pricing before confirming.