Wise supports AUD funding from an Australian account in your own name, with methods including bank transfer, PayID, card and RTGS. It does not accept international SWIFT funding for AUD transfers. Start by choosing the payment method in the quote, because each has different limits and instructions. Wise AUD guide.
New to Wise? An invite link can waive Wise's fee on your first eligible transfer: see how the invite offer works.
PayID funds the transfer; it is not the Indian payout address
If you choose PayID, use the PayID shown in Wise’s payment instructions to send the Australian dollars. Separately, enter the Indian recipient’s bank or eligible UPI details in the recipient step. Confusing these two sides of the transfer can result in paying the wrong destination.
The current AUD guide lists PayID funding up to AUD 50,000 and card funding up to AUD 18,000, with other methods supporting different amounts. Your Australian bank can impose a lower sending limit. Check both before creating a payment that you cannot fully fund. AUD method limits.
Confirm the destination account
For an INR bank payment, you need the recipient’s name, account number and IFSC. Wise lists NRE and NRO accounts among supported destinations, but selecting the right account for your circumstances is a separate question to confirm with the receiving bank. INR bank-account requirements.
If you are sending your own savings, make sure the beneficiary details identify your Indian account correctly. For another person’s account, ask them to confirm the details using their bank record.
Review a larger payment before funding it
- Ask your Australian bank whether a daily limit or authorisation step will affect the chosen method.
- Read the quote’s payment deadline and delivery estimate.
- Prepare evidence explaining the origin and purpose of the money if requested.
- Check the total AUD outlay and INR delivered.
- Save the transfer reference and follow the exact funding instructions.
Our large-transfer preparation guide explains why a verified account can still need transaction-specific documents.
Avoid a misleading price comparison
A card quote and a bank-funded quote are different products for comparison purposes. Compare equivalent methods or explicitly record that one option charges more for convenience. For a recurring family payment, also separate the first-transfer offer from the cost of later payments.
Use the India fees guide to evaluate the complete quote. If the money has left your Australian account but has not arrived, identify the outstanding stage with the delay guide.