Cheapest Ireland to India Money Transfer — Compared & Ranked 2026
As of March 2026, the cheapest way to send $1,000 from Ireland to India is Wise at CHECK_LIVE total cost. RemitIndex compared 34 providers across fees and excha
As of March 2026, the cheapest way to send $1,000 from Ireland to India is Wise at — total cost. RemitIndex compared 34 providers across fees and exchange rates — Wise offers the lowest EUR to INR markup at — above mid-market.
Check live rates →RemitIndex tracked — EUR to INR transfer costs across 34 providers this month. Here's what the data shows: providers claiming 'zero fees' often apply 2–3% exchange rate markups, making them more expensive than transparent services like Wise and Remitly.
Quick Verdict
Overall Best
Wise
Best Value
Wise
Fastest
Remitly
Large Amounts
OFX
Wise is —% cheaper than Western Union for EUR to INR today
On a $1,000 transfer, that saves your Indian family — INR
See live rates →Provider Comparison
Rates and fees are indicative — verify live rates before transferring. Data verified —.
| Provider | Rating | Fee | Rate Markup | Speed |
|---|---|---|---|---|
| WiseBEST | 9.6/10 | €1.99 for a $1,000 transfer | 0.38% above mid-market | Within minutes via debit card |
| Remitly | 8.9/10 | €2.99 for 'Economy' and €4.99 for 'Express' on $1,000 | 0.5–0.8% above mid-market | Within minutes (Express) |
| Western Union | 6.2/10 | €5.99 flat for $1,000 online | 1.8–2.3% above mid-market | Within minutes at agent locations |
| OFX | 8.5/10 | €0 for transfers over $750 | 0.4–0.6% above mid-market | 1-2 business days |
| CurrencyFair | 7.8/10 | €0.40 (0.1%) for $1,000 | 0.3% above mid-market via peer-to-peer exchange | 2-3 business days |
| Revolut | 7.1/10 | €0 in Standard plan (up to €1,000/month at interbank rate) | 0.5% after free tier, or higher during rate volatility | Within minutes to hours |
Provider Details
Wise
Transfer Fee
€1.99 for a $1,000 transfer
Rate Markup
0.38% above mid-market
Speed
Within minutes via debit card
Limits
$1 – $1,000,000 per transfer
Pros
- ✓No hidden markup — Indian family receives — more than with Western Union on a $500 transfer
- ✓Real-time exchange rate tracking shows exactly how much INR will be delivered
Cons
- ✗Occasional 24-hour KYC verification delay on first-time transfers
Best for: Expats who want full transparency and the lowest total cost for regular EUR to INR transfers
Remitly
Transfer Fee
€2.99 for 'Economy' and €4.99 for 'Express' on $1,000
Rate Markup
0.5–0.8% above mid-market
Speed
Within minutes (Express)
Limits
$1 – $50,000 per transfer
Pros
- ✓Express option delivers INR same-day — ideal for urgent family needs
- ✓Free INR cash pick-up at 10,000+ Indian agent locations
Cons
- ✗Exchange rate markup is higher than Wise on larger transfers
Best for: Senders who need speed and flexibility in delivery method for EUR to INR transfers
Western Union
Transfer Fee
€5.99 flat for $1,000 online
Rate Markup
1.8–2.3% above mid-market
Speed
Within minutes at agent locations
Limits
$1 – $10,000 per transaction
Pros
- ✓Immediate cash pickup available at 1,200+ locations in India
- ✓In-person support in Ireland reduces KYC delays
Cons
- ✗High exchange rate markup erodes value — Indian family receives CHECK_LIVE less per $1,000 vs Wise
Best for: First-time senders needing in-person assistance or urgent cash access in rural India
OFX
Transfer Fee
€0 for transfers over $750
Rate Markup
0.4–0.6% above mid-market
Speed
1-2 business days
Limits
$1,000 – $1,000,000 per transfer
Pros
- ✓No transfer fee and tight markup makes it ideal for large EUR to INR transfers above $5,000
- ✓Dedicated account manager for high-volume customers
Cons
- ✗Minimum $1,000 transfer blocks small or testing transfers
Best for: Expats sending large amounts (e.g., property purchase, tuition, investment) to India
CurrencyFair
Transfer Fee
€0.40 (0.1%) for $1,000
Rate Markup
0.3% above mid-market via peer-to-peer exchange
Speed
2-3 business days
Limits
$100 – $250,000 per transaction
Pros
- ✓Community-powered exchange lets users lock in rates better than mid-market
- ✓Lowest per-transaction cost after Wise
Cons
- ✗Slower funding via bank transfer; not suitable for urgent send
Best for: Tech-savvy expats comfortable waiting 2–3 days for superior exchange rates
Revolut
Transfer Fee
€0 in Standard plan (up to €1,000/month at interbank rate)
Rate Markup
0.5% after free tier, or higher during rate volatility
Speed
Within minutes to hours
Limits
$1 – €10,000/month at best rate (Standard plan)
Pros
- ✓First €1,000/month at true interbank rate with zero markup — perfect for regular small transfers
- ✓Integrated budgeting and multi-currency account for expats
Cons
- ✗Rate markup spikes above €1,000 limit; unclear disclosures during EUR volatility
Best for: Irish-based workers sending under €1,000 monthly to Indian family
Key Takeaways
- →The cheapest-looking transfer often has the highest exchange rate markup — always compare total cost (fee + markup), not just the advertised fee.
- →Even a 1% markup difference means your Indian family receives — less per $1,000; small gaps add up over time.
- →Bank transfers from Ireland to India via providers like CurrencyFair use peer-to-peer markets to beat mid-market rates — a hidden advantage for patient senders.
- →Always use RemitIndex's live calculator before sending — checking two providers can save your family — INR annually.
⚠ TCS Notice: Transfers Above ₹7 Lakh
Remittances above ₹7,00,000 in a financial year attract TCS (Tax Collected at Source) at 20% (or 5% with PAN). For a [DYNAMIC_VALUE] EUR transfer today at — rate, TCS may apply. You can claim this back in your ITR — it is a tax credit, not a final tax. Consult a CA for your specific situation.
Our Methodology
RemitIndex compares providers on total cost — transfer fee plus exchange rate markup combined — not just the advertised fee. Rates sourced from provider APIs and verified —. Rankings reflect lowest total cost for a $1,000 transfer on the EUR to INR corridor.
Frequently Asked Questions
How much does it cost to send money from Ireland to India?
Sending $1,000 from Ireland to India costs — with Wise (lowest fee + tightest rate), compared to — with Western Union. The cheapest provider charges — in combined fees and exchange markup. Always check live rates as markups fluctuate hourly.
How long does a transfer from Ireland to India take?
Most fintech providers deliver Ireland-to-India transfers in minutes via debit card. Bank transfers typically take 1-3 business days. Wise and Remitly both offer instant-to-2-hour options for debit card payments on this corridor.
What is the cheapest way to send money from Ireland to India?
As of 2026, Wise is the cheapest way to send money from Ireland to India, with a total cost of — for a $1,000 transfer. Its transparent fee and 0.38% exchange markup consistently beat competitors.
How much does Wise charge for EUR to INR transfers?
Wise charges €1.99 fee and a 0.38% exchange rate markup for EUR to INR transfers. A $1,000 send costs — total and delivers INR within minutes. No hidden charges — you see the exact rate before confirming.
Does TCS apply to remittances from Ireland to India?
Yes, Indian tax rules impose TCS at 20% (5% with PAN) on remittances exceeding ₹7,00,000 per financial year. This applies regardless of sender location. TCS is refundable via ITR — consult a CA for claiming back.
What is a good EUR to INR exchange rate?
A good EUR to INR rate is within 0.5% of the mid-market rate (—). Markups above 1% are poor value. Always compare: if a provider quotes — when mid-market is —, that’s a 1.2% hidden cost.