Australia to India money transfers

How Can I Send Money From Australia to India?

You can send money from Australia to India through an international money transfer provider, a bank, or a cash-transfer service. The practical choice depends on the exchange rate, fees, delivery method and how quickly your recipient needs the money.

Quick answer: Compare the total AUD amount you pay with the INR amount your recipient receives, then enter your recipient’s details, pay for the transfer and follow its status in the provider’s app or website.

Choose the right way to transfer money to India

Online transfer services are often a flexible alternative to a traditional bank transfer. Many transfers to India are sent to a recipient’s bank account, while some providers may also offer options such as cash collection or mobile-wallet delivery.

Before sending, use each provider’s calculator or quote screen. It should show the exchange rate, transfer fee, total amount paid in Australian dollars and the amount expected to arrive in Indian rupees.

Online money transfer service

Often convenient for app-based transfers, exchange-rate comparisons and transfer tracking.

Bank transfer

Useful if you prefer banking directly, but check the rate, fees and possible intermediary charges first.

Cash transfer provider

May suit recipients who need a cash collection option, where that service is available.

For broader context, Forbes Advisor Australia’s guide to sending money to India notes that online services can be cheaper and more flexible than banks in many cases. Always compare the live quote before confirming.

What you need before you send

Having the right details ready can help avoid delays or corrections.

Your identification: the provider may ask you to verify your identity.
Your recipient’s full name: it should match their bank account details.
Indian bank details: commonly the account number and IFSC code for a bank deposit.
Your payment method: such as an eligible bank account or card, depending on the provider.
A clear transfer amount: decide whether you are sending a set AUD amount or aiming for a set INR amount.

A step-by-step guide to sending money from Australia to India

1
Select a provider.
Compare the available transfer methods, exchange rate, fees and estimated delivery time.
2
Create an account and complete verification.
Use accurate personal details and follow the provider’s identity-check process.
3
Add your recipient.
Enter their name and delivery details carefully, including bank information if you are sending a bank deposit.
4
Review the quote.
Confirm the exchange rate, any fees, the total you will pay and the recipient’s expected INR amount.
5
Pay and track the transfer.
Complete payment, keep the confirmation and monitor the transfer until it is delivered.

Delivery times vary by provider, payment method and verification requirements. Online transfers can often arrive within two working days, but you should rely on the estimate shown for your specific transfer.

Referral offer

Use LemFi referral code ABU5RR9M

ABU5RR9M is a LemFi referral code for new users. Under the offer provided for this article, you can get a €20/£20/$20 bonus on your next transfer when you send €100/£100/$100 on your first transfer in 2026.

The bonus and qualifying first-transfer threshold are shown in euros, pounds and dollars. Check the applicable currency, availability and full terms in the LemFi app before you send, particularly when transferring from Australia.

Use referral code ABU5RR9M to get started

How to sign up and apply the code

Open the official LemFi website or download the app from Google Play or the Apple App Store.
Create a new account and complete any required verification.
Enter referral code ABU5RR9M during sign-up if a referral-code field is available.
Make your first qualifying transfer in 2026 and send €100, £100 or $100, as applicable to the offer terms.
Receive the €20, £20 or $20 bonus on your next transfer, subject to the promotion’s terms and eligibility.

For more detail focused on the offer, see our LemFi referral code India guide.

Compare the details before you confirm

Check	Why it matters
Exchange rate	A stronger rate can mean more INR reaches your recipient.
Total cost	Include stated fees and the AUD amount you actually pay.
Receiving method	Confirm whether your recipient needs a bank deposit, cash collection or another option.
Estimated delivery	Check the timing shown for your transfer rather than assuming it will be instant.
Recipient details	Incorrect details can delay the transfer or require changes.

Other services, including Western Union Australia and MoneyGram, also provide Australia-to-India transfer options. The best value can change with the amount, payment method and live exchange rate.

Frequently asked questions

What is the LemFi referral code?

The LemFi referral code featured here is ABU5RR9M. New users can enter it during sign-up where a referral-code option is available.

What bonus does code ABU5RR9M offer?

The stated offer is a €20/£20/$20 bonus on your next transfer after you send €100/£100/$100 on your first transfer in 2026, subject to the relevant terms and eligibility.

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

There is no single cheapest option for every transfer. Compare the total amount you pay in AUD and the INR amount your recipient receives using current quotes from suitable providers.

Send with a clear view of the cost

To send money from Australia to India, compare live transfer quotes, verify your recipient’s details and review the final INR delivery amount before paying. If you are a new LemFi user and the promotion applies to you, enter ABU5RR9M at sign-up and complete the qualifying first transfer in 2026.

Start your LemFi sign-up with ABU5RR9M