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Earn your special rate sending to India
Everyone else gives you their rate — you earn yours.
Your family receives more in INR, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to India from Australia — low fees, great rate
Send AUD to INR at competitive exchange rates, straight from the TopRate app — built for the India community in Australia sending money home to family and friends. Trusted by 22,000+ transfers to India.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live AUD→INR rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live AUD → INR rate
Rate updated in real time
Your first transfer is free— no fees on your first send to India
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Real savings, real people
From the India community in Australia
Verified
“Great rate for AUD to INR, and the money reaches my HDFC account the next day. No hidden charges at all.”
Raj Patel
Parramatta, NSW · AUD → INR
Fast & flexible delivery
How your money reaches India — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Bank deposit
1-2 business daysDirect to HDFC Bank and other major banks
Payout methods
- HDFC Bank
- ICICI Bank
- SBI
Supported banks
- HDFC Bank
- ICICI Bank
- State Bank of India
- Axis Bank
Simple process
How to send AUD to India
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's India bank or mobile wallet details.
- 4
Send and track
Confirm and track your AUD to INR transfer in real time.
Local payment rails
Pay the way Australians pay
Fund your transfer to India straight from your Australian bank using the local payment rails you already trust — no card surcharges, no slow international wires.
PayID
Pay instantly using an email or mobile number — funds clear in seconds.
Osko
Real-time NPP bank transfer so your money is ready to send 24/7.
PayTo
Authorise secure, agreed payments straight from your bank account.
BPAY
Use the familiar biller-code method from your online banking.
More than money.
Groceries, school fees, healthcare — every transfer to India is part of someone's story. We show you exactly how much arrives, before you send.
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
How fast are transfers from Australia to India?
Most transfers to India complete within 1-2 business days. HDFC and ICICI Bank transfers are typically the fastest.
What is the AUD to INR exchange rate today?
Our rates update live every few minutes. Check the calculator above for the current AUD to INR rate including our fees.
Can I send money to SBI (State Bank of India) from Australia?
Yes, we support transfers to all major Indian banks including SBI, HDFC, ICICI, and Axis Bank.
What are the fees for sending AUD to INR?
Our fees are transparent and shown upfront. There are no hidden charges. Fees vary by transfer amount -- use the calculator to see your exact cost.
Is your AUD to INR rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in India receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to India?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to India holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to India. Referring a friend just accelerates it.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered remittance provider — with AUSTRAC in Australia and on the FSPR (DIA-supervised) in New Zealand. Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send AUD to India?
Join 22,000+ happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to India in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
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AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join