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
Today's indicative rate 1 AUD = 63.60 INR · A$3 fee on A$100 · Delivery time: a few minutes
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.
Rewards you earn: a welcome rate on your first AUD 500 on top of our live AUD→INR rate, then cashback that pays your fees on every transfer and steps up the more you send.
Clear fees. Cashback on every transfer.
Unlike promo rates that vanish after transfer #1, your cashback keeps paying your fees — and steps up the more you send.
Special rate · 13 Nov 2026, 10:55 am Sydney time
1 AUD = 64.24 INR
On your first A$100 once your account is verified. Indicative — Terms apply
Last 17 days, one point per day
Indicative — see the live rate in the app
What arrives in India
| You send | Fee | They get |
|---|---|---|
| A$100 | A$3 | 6,169.53 INR |
| A$500 | A$3 | 31,610.87 INR |
| A$1,000 | A$3 | 63,412.55 INR |
Indicative, at the standard rate. Your exact rate, fee and amount are shown in the app before you confirm.
Registered, Australian & safe
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Worked examples
What arrives in India
| You send | Fee | Your recipient gets |
|---|---|---|
| A$100 | A$3 | 6,169.53 INR |
| A$500 | A$3 | 31,610.87 INR |
| A$1,000 | A$3 | 63,412.55 INR |
Indicative; the rate is confirmed when you send. Your exact rate, fee and the amount your recipient receives are always shown in the app before you confirm.
Compare and save
Send 500 AUD to India and keep more
The same AUD goes further with TopRate than with a typical Australia bank, because banks bury a margin in the exchange rate.
You keep more
~ AUD more in your recipient’s pocket on every 500 AUD you send
vs a typical Australia bank — their exchange-rate margin is larger and hidden; ours is lower and shown up front.
Your recipient gets
~ INR
Your recipient gets
~ INR
Indicative example based on a 500 AUD transfer and a typical bank exchange-rate margin of about 5%. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Real savings, real people
From the India community in Australia
“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
Delivery
How your money reaches India — methods & speed
Delivery time to India: a few minutes. Your exact delivery estimate is shown in the app before you confirm.
Bank deposit
Direct 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 money from Australia 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 details.
- 4
Send and track
Confirm and track your AUD to INR transfer in real time.
Paying for your transfer
Ways to pay from Australia
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
PayID
No added charge
AU Bank Transfer
No added charge
Card Payment
Adds A$0.50 + 0.5%
Apple Pay
Adds A$0.50 + 0.5%
Google Pay
Adds A$0.50 + 0.5%
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 and referrals — 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?
Two ways, and they stack: every new customer gets our special rate on their first $500 for 30 days, and you earn cashback as fee credit on every send to India after that.
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. Your special rate to India is a reward you earn, and the cashback and referral credit you build keep paying your TopRate fees on the transfers that follow. 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. Every new customer gets the special rate on their first $500, no referrals needed, and cashback pays your fees on every send to India after that. Referring a friend adds fee credit on top.
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.
TopRate app
Ready to send AUD to India?
Join thousands of happy customers. Download the app and send in minutes — with our special rate on your first AUD 500. 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.
Australian owned & operated