Send Money to India from Europe (2026 Guide)
Last updated: June 2026
Europe is home to a large and growing Indian diaspora — particularly in Germany, Netherlands, France, and Italy — sending billions of euros home every year. Choosing the right provider can save you significantly on every transfer. This guide compares the best options for sending money from Europe to India in 2026.
Europe to India transfers — key facts
Unplex
Best rate
3–5 hours
Fastest delivery
SEPA
Best funding
Every 30m
Rates updated
Best providers to send money from Europe to India
Unplex offers Google mid-market rates with zero fee for EUR to INR transfers. Built specifically for NRIs sending money to India. Supports all SEPA countries.
Wise uses the mid-market rate with a transparent flat fee (~€4–6 on €1,000). Consistently delivers strong INR per euro. Fund via SEPA transfer for free.
Remitly Express delivers to Indian banks in 3–5 hours. First transfer often free. Available across major European countries.
Western Union has thousands of agent locations across India. Cash available in minutes. Higher exchange rate margin but ideal for recipients without a bank account.
How much INR will my recipient get? (€1,000 transfer)
| Provider | Fee | Rate margin | INR received |
|---|---|---|---|
| Unplex | €0 | 0% | ~₹1,01,500 |
| Wise | ~€5 | 0% | ~₹91,200 |
| XE | €0 | 0.8% | ~₹90,500 |
| Remitly | €0 | 1.5% | ~₹89,900 |
| Western Union | €0 | 3% | ~₹88,600 |
| Your bank | €25+ | 4%+ | ~₹86,200 |
* Approximate figures. Use RateMigo for live exact amounts.
How to send money from Europe to India — step by step
- 1
Compare live rates on RateMigo
Check today's EUR to INR rates across all major providers including Unplex. Rates refresh every 30 minutes.
- 2
Choose your provider
Unplex or Wise for best rate, Remitly for speed (3–5 hours), Western Union for cash pickup.
- 3
Create an account
Sign up takes 5–10 minutes. You'll need a valid EU government-issued ID or passport for verification.
- 4
Enter recipient details
Add your recipient's Indian bank account number and IFSC code. All major banks supported.
- 5
Fund via SEPA transfer
Link your European bank account and fund via SEPA — free or near-free from most banks. Avoid credit card to save 1.5–2%.
- 6
Recipient receives INR
Funds arrive in 3–5 hours (Remitly Express) or 1–2 business days (Wise/Unplex bank deposit).
Tips to save money on Europe to India transfers
- ►Fund via SEPA transfer: SEPA is free or near-free from most European banks. Avoid debit card (1.5%) and credit card (3%) payments.
- ►Never use your bank: European banks apply 3–5% margins plus high fixed fees. On €1,000 that's €55-€75 more than Unplex or Wise charges.
- ►Compare before every transfer: EUR/INR rates change daily. The cheapest provider this week may not be cheapest next week.
- ►Use first-transfer promotions: Remitly and Unplex frequently offer promotions for new users. Use it as a new user for your first send.
- ►Send larger amounts less often: Fixed fees hurt small transfers more. Combining monthly transfers saves money overall.
Frequently asked questions — Send money from Europe to India
What is the best way to send money to India from Europe?+−
Wise and Unplex are the best options for EUR to INR transfers from Europe. Wise uses the mid-market rate with a transparent flat fee. Unplex offers Google mid-market rates with zero fee, built specifically for NRIs. Always compare live rates on RateMigo before sending.
What is the cheapest way to send money from Europe to India?+−
Unplex and Wise are typically the cheapest options for EUR to INR bank deposits. Fund via SEPA bank transfer (free) to avoid card surcharges. On a €1,000 transfer, the best provider can deliver €2,000–€4,000 more INR than providers with zero fees but high rate margins.
How long does it take to send money from Europe to India?+−
With Remitly Express, funds arrive in Indian banks within 3–5 hours. With Wise, bank deposits typically take 1–2 business days. Western Union cash pickup is available in minutes at agent locations across India.
Can I send money to India from Europe instantly?+−
Remitly Express is the fastest option — delivering to SBI, HDFC, ICICI and Axis in 3–5 hours. Western Union cash pickup is available in minutes for recipients who prefer cash.
What is the EUR to INR exchange rate today?+−
The EUR to INR exchange rate changes daily. Use RateMigo's live EUR to INR comparison to see today's exact rate from Wise, Remitly, Unplex and Western Union — updated every 30 minutes.
Is it safe to send money to India from Europe online?+−
Yes — all providers on RateMigo are licensed and regulated. Wise is regulated by the National Bank of Belgium in the EU. Remitly also holds EU operating licenses. Always use official apps or websites.
Which European countries can send money to India via Unplex?+−
Unplex supports EUR to INR transfers from all SEPA member countries including Germany, France, Netherlands, Italy, Spain and more. Compare Unplex live alongside Wise and Remitly on RateMigo's EUR to INR comparison page.
Compare live EUR to INR rates now
See exactly how much INR your recipient gets from every provider today.
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