Send Money from Italy to India

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Indian rupees rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are UPI, bank deposit, cash pickup, mobile wallet and card payout. The most widely used options in India are IMPS and NEFT bank deposit. India's IMPS rail settles instantly around the clock, so bank deposits often land within minutes rather than days. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in India, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, IMPS and NEFT bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to INR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Italy under the Bank of Italy, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Wise's Italian pages offer an open-banking payment option that its American, Singaporean and Swiss pages do not — a direct bank payment authorised through your own bank rather than a card or a manual transfer. At 6.68 EUR it sits well below the ordinary bank transfer at 8.52 EUR. If you are funding from an Italian bank account, it is the cheaper of the two ways of doing the same thing. Wise's debit card figure is not quoted here. Two independent reads of the page on the same day returned 42.93 EUR and 10.23 EUR, while the other six rows came back identical both times. A row that swings by a factor of four between two reads minutes apart is not a figure this site will publish. Remitly is the only service on this page offering UPI payout, and it flags UPI as its low-fee option. For a recipient who is paid mainly through UPI that is a different product from a bank deposit, not a cheaper version of one — compare on where the money actually lands. Western Union caps a sender at 1,000 EUR within any three-day period before identity verification, and 5,000 EUR per transfer after it.