Best Way to Send Money from Europe to India

Compare live EUR to INR exchange rates and fees from top providers. Find the cheapest and fastest way to send money from Europe to India.

What is the cheapest way to send money from Europe to India?

The cheapest way to send money from Europe to India is through Wise, Remitly, or InstaReM, which offer near mid-market EUR to INR rates with fees starting from €0.50–€3. SEPA bank transfers are the cheapest funding method. Traditional bank wire transfers cost €15–€40 plus a 2–3% exchange rate markup.

EUR
Indian Rupee

Click "Compare Rates" to see live exchange rates from 15+ providers for EUR to INR transfers.

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Tips for Sending Money from Europe to India

  • Use SEPA Credit Transfer (SCT) for free or near-free bank funding from any Eurozone account.
  • Wise and InstaReM consistently offer near-mid-market EUR-INR rates — compare both for your amount.
  • Avoid SWIFT transfers from your European bank — costs €15–€40 plus a 2–3% markup vs digital providers.
  • EU regulations (PSD2) give you the right to see all fees before confirming any transfer.

Regulatory Information

EU Payment Services Directive 2 (PSD2) and national central banks regulate transfers. No excise tax on EU remittances. India has no receiving limit for NRE/NRO accounts under FEMA.

Frequently Asked Questions: Europe to India Transfers

How long does a money transfer from Europe to India take?
SEPA-funded transfers via Wise or Remitly typically arrive in India within 1–2 business days. SWIFT bank transfers take 3–5 business days and cost significantly more.
What is the best EUR to INR exchange rate today?
EUR to INR rates change constantly. Use our live comparison tool for real-time rates. Wise and InstaReM consistently offer rates closest to the mid-market rate.
Can I use SEPA to send money to India?
Yes, most digital transfer services accept SEPA bank transfers from any Eurozone bank account. SEPA transfers are free or very low-cost (€0–€1) and are typically the cheapest way to fund your transfer.
Which European countries can I send from?
You can send money to India from any EU/EEA country including Germany, France, Italy, Spain, Netherlands, Belgium, Ireland, Austria, and more using EUR transfers.

Rates and provider data updated daily. Page last reviewed: March 2026.

Reviewed by Tarika Chandel