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 New Zealand
Send NZD to INR at competitive exchange rates, straight from the TopRate app — built for the India community in New Zealand sending money home to family and friends.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live NZD→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.
Rate updated in real time
Registered, safe & DIA-supervised
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Sending from New Zealand
Send money from New Zealand to India (NZD to INR)
Paying in New Zealand dollars
You pay for your transfer in New Zealand dollars (NZD) by card, in the TopRate app. Any charge your payment method adds comes on top of the transfer fee, and your exact total is shown in the app before you confirm.
What your recipient in India gets
Your recipient receives Indian Rupee (INR). The NZD you send is converted to INR, and the app shows the exact INR amount your recipient gets before you confirm.
The NZD to INR rate
Rates move through the day, and the rate is confirmed when you send. Today's rate for New Zealand senders is on our NZD to INR rate page.
Sending somewhere else from New Zealand? See every way to send money from New Zealand.
Delivery
How your money reaches India — methods & speed
Your 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
Simple process
How to send money from New Zealand 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, as New Zealand's AML/CFT rules require.
- 3
Enter recipient details
Add your recipient's India bank details.
- 4
Send and track
Confirm and track your NZD to INR transfer in real time.
Paying for your transfer
Ways to pay from New Zealand
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
Card Payment
Adds NZ$0.50 + 0.5%
Google Pay
Adds NZ$0.50 + 0.5%
Apple Pay
Adds NZ$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, safe & DIA-supervised
TopRate Transfer is registered on New Zealand's Financial Service Providers Register (FSPR) and supervised for AML/CFT by the Department of Internal Affairs (DIA). Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
Is your NZD 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 financial service provider on New Zealand's Financial Service Providers Register (FSPR), supervised for AML/CFT by the Department of Internal Affairs (DIA). Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
TopRate app
Ready to send NZD to India?
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.
Trusted across NZ & Australia