For a UK-to-India payment, start with a GBP-to-INR quote and choose how the pounds will reach the provider. With Wise, GBP bank funding can use Faster Payments, Bacs or CHAPS from a UK bank. Cash and cheques are not accepted. These are funding options, not a promise about when the Indian recipient will be paid. Wise GBP funding guide.
New to Wise? An invite link can waive Wise's fee on your first eligible transfer: see how the invite offer works.
Prepare the UK payment
Use the bank details and payment reference displayed for your transfer. An old saved payee may not contain the instructions for a new payment. Before authorising it, check your bank’s daily limit and whether it imposes a separate charge for the payment method you selected.
Wise says GBP funding usually arrives within seconds, but can take up to one working day. The transfer still has conversion and delivery stages after funding. If a family member needs the money on a particular day, use the estimate shown for the whole transfer. GBP processing guidance.
Agree the recipient amount first
For an Indian bank deposit, collect the recipient’s full name, account number and IFSC. Wise also supports INR payments using an eligible UPI ID; the options and limits differ. Check the selected delivery method rather than substituting a phone number for bank details. Wise INR recipient requirements.
If you are paying an exact bill, enter the required INR amount. If your budget is fixed in pounds, compare how many rupees that budget delivers. These are different comparisons: a lower displayed fee does not establish that the recipient receives more.
Compare the same UK-to-India payment
Record the following for each provider while both quotes are current:
- Total GBP charged, including any payment-method charge.
- INR delivered to the same type of recipient account.
- Estimated arrival, including any funding delay.
- Whether a new-customer benefit changes the first payment only.
Our UK comparison guides cover providers offering different account and funding options. For a worked cost calculation, use the India transfer fee guide.
After sending the pounds
Keep the bank payment confirmation and the provider’s transfer reference. A debit from your UK account establishes that your bank processed a payment; it does not, by itself, show that the Indian bank credited the recipient. Check the transfer status and use the delivery-stage guide if the estimate changes.