A sender in Germany can start a Wise EUR-to-INR transfer and choose an available euro funding method. Wise’s EUR guide lists Germany among countries supporting open banking payments, alongside other methods such as bank transfer and card. Availability still depends on the bank and the options offered for your transaction. Wise EUR funding guide.
New to Wise? An invite link can waive Wise's fee on your first eligible transfer: see how the invite offer works.
Choose how to pay the euros
An open banking payment and a manual bank transfer require different actions. Follow the checkout flow for the method you select. For a manual transfer, copy the beneficiary details and reference from the current payment instructions. For open banking, verify the amount and beneficiary before approving the request with your bank.
Wise no longer supports SOFORT as a EUR payment method. An older guide telling you to select it is outdated. The same EUR guide lists a EUR 10,000 card limit, while bank and account limits can differ. Current EUR methods and restrictions.
Decide what stays fixed in your comparison
There are two useful ways to request a quote:
| Your need | Hold this constant | Compare this result |
|---|---|---|
| Send part of your monthly euro income | Total euros you will pay | Rupees the recipient receives |
| Pay a specific Indian invoice | Exact INR amount due | Total euros needed to deliver it |
Do not compare an exact-recipient quote from one provider against a fixed-sending-amount quote from another. Check whether a fee is included in the euro figure or added to it. The fee guide includes an illustrative calculation.
Prepare the India side
Ask the recipient for the name on the account, account number and IFSC. If choosing UPI, confirm that the transfer offers that method and use the correct UPI ID. Wise INR delivery guide.
For education or another invoice payment, obtain any reference the recipient needs to match the credit to you. A correct bank account alone may not tell a university or business which customer paid.
Check the whole arrival estimate
Schedule from the recipient’s deadline backwards. Your bank’s euro payment, provider processing and the Indian bank’s credit are separate events. A fast euro funding method does not remove the need for recipient checks or guarantee an immediate payout.
Keep the bank confirmation and the transfer receipt together. If the estimate passes, the transfer-stage checklist helps you identify which organisation needs to investigate.