Send Money from New Zealand to India
3 providers send money from New Zealand to India. None publishes a quote we can check before you send, so this page compares what they do publish: fees, limits and payout methods.
What does your recipient in India actually get?
INRAt the mid-market rate · 1,000₹53,846.21
No provider on this corridor publishes a like-for-like quote we can check, so this is the figure to measure their offers against.
1 NZD = 53.8462 INR
30-day range53.24 – 54.95 INR
Get a quote from two providers and measure each against the benchmark above. How the margin worksNZD→INR reference rate for Oct 20, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: European Central Bank
Compare 3 ways to send money to India
| Provider | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|
 The only service here that pays into UPI | VariesRate not published — confirm before sending | Express or standard | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to Remitly |
 By far the largest cash network on this corridor, and the highest ceiling | VariesRate not published — confirm before sending | Minutes | Payout methods: Bank deposit, Cash pickup | Go to Western Union |
 Much the cheapest published fee here when funded from an account | NZ$4.86from a Wise account at 1,000 NZDNo rate margin | Minutes to days | Payout methods: Bank deposit | Go to Wise |
The only service here that pays into UPI
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Express or standard
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
By far the largest cash network on this corridor, and the highest ceiling
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup
Much the cheapest published fee here when funded from an account
- Cost
- NZ$4.86from a Wise account at 1,000 NZDNo rate margin
- Arrives
- Minutes to days
- Payout
- Payout methods: Bank deposit
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, with the fee figures checked against each provider’s own published schedule — open a provider for a live quote.
Too few checked amounts on this corridor to rank by money, so the order is payout coverage, delivery speed and published fees — a provider with a checked figure is not placed above one without. Affiliate arrangements never affect this order.
No labels are awarded on this corridor. With 3 providers the table is the comparison, and calling one of them best of 3 would dress a short list up as a finding.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. No provider on this corridor publishes its exchange rate in advance, so no Best value is named here. Full methodology
What these figures are
- Fees
- As each provider publishes them, September 2026. A provider that does not publish a fee for this corridor shows none rather than a guess.
- Payout methods, delivery speed, promotions
- Read from each provider’s own pages for this corridor and last reviewed September 2026. Where a provider’s own sources disagree, the disagreement is printed rather than resolved.
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
How money arrives in India
True of India whoever is sending, so it is researched once and shown on every corridor that ends here. Nothing on this list is a price.
IFSC code
Money sent to an Indian bank account is addressed with the recipient's account number together with their branch's IFSC code. NPCI lists account number plus IFSC as one of the ways a payment can be addressed, alongside a UPI ID. — National Payments Corporation of India, September 2026
Ways it can arrive
- Bank deposit
- Under the Reserve Bank of India's Money Transfer Service Scheme, anything above Rs.50,000 must reach the recipient by account-payee cheque, demand draft or payment order, or be credited directly to their bank account. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
- UPI
- UPI is an instant payment system developed by the National Payments Corporation of India, an RBI-regulated entity. A recipient can be paid at a UPI ID in the form xyz@upi rather than by account details. — National Payments Corporation of India, September 2026
- Cash pickup
- The Reserve Bank of India permits up to Rs.50,000 to be paid in cash to a beneficiary in India under the Money Transfer Service Scheme. Above that, cash is not an option. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
What your recipient needs
- For anything above Rs.50,000 the recipient cannot simply collect cash: they need a bank account, or must be able to accept an account-payee cheque, demand draft or payment order. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
Rules on money coming in
- The Money Transfer Service Scheme covers only inward personal remittances into India, such as money towards family maintenance. The Reserve Bank of India excludes donations to charitable institutions or trusts, trade-related remittances, money towards buying property, investments, and credits to NRE accounts. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
- The Reserve Bank of India caps an individual remittance under the Money Transfer Service Scheme at USD 2,500. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
- A single individual beneficiary may receive only 12 remittances under the Money Transfer Service Scheme in a calendar year. — Reserve Bank of India, Master Circular on the Money Transfer Service Scheme, September 2026
Summarised from the sources named above on the dates shown. Rules change; check the source if a transfer depends on it.
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for NZ$200 to India is often not the best provider for NZ$5,000.
The flat fee is most of what you pay
On a small transfer a NZ$5 fee is a real percentage of the money. A rate margin of half a percent on NZ$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on NZ$5,000 is NZ$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
NZD to INR at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| NZ$100.00 | ₹5,385 | |
| NZ$250.00 | ₹13,462 | |
| NZ$500.00 | ₹26,923 | |
| NZ$1,000 | ₹53,846 | |
| NZ$2,500 | ₹134,616 | |
| NZ$5,000 | ₹269,231 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
What is the fastest way to send money to India?
Western Union quotes the fastest delivery on this corridor at minutes. Published speeds describe the fastest route a provider offers, not every route: paying by card and sending to a wallet is usually near-instant, while a bank transfer funded by direct debit takes longer whoever you send with.
India at a glance
- Currency
- INR · Indian rupee
- Payout methods
- Bank deposit · Cash pickup · Mobile wallet
- Typical delivery
- Minutes to minutes to days
- Cash pickup
- Available from 2 of 3 providers
- 1 of the 3 providers can deliver within minutes, including Western Union.
- Cash pickup is available through Remitly and Western Union — no bank account needed.
Before you send to India
- UPI is how money moves inside India now, and only Remitly pays into it here. Western Union and Wise both reach a bank account instead. If your recipient expects a UPI ID rather than an account number, that decides the page.
- Card funding is the expensive habit here: Wise charges about 4.86 NZD from an account against 30.43 by debit card and 31.56 by credit — more than six times for the same transfer.
- Western Union publishes more than 110,000 cash locations in India and a daily ceiling of 80,000 NZD by POLi, both much the largest on this corridor.
What it costs to send money to India
Sending money from New Zealand to India converts New Zealand dollars (NZD) into Indian rupees (INR). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
India's IMPS rail settles instantly around the clock, so bank deposits often land within minutes rather than days.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in India actually receives in Indian rupees. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In India the common rails are IMPS and NEFT bank deposit. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Pay more for speed only when you need it
Western Union can deliver within minutes, but express usually costs more in fee or margin. If it is not urgent, the economy option on the same platform is often meaningfully cheaper.
Check cash pickup coverage before you send
Remitly and Western Union offer cash pickup in India. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of New Zealand should be registered with the Financial Markets Authority. Everyone we list is — worth checking for any service you find elsewhere.
Frequently Asked Questions
Sending to India from somewhere else
All routes to India →
Before you send
Ready to compare your transfer?
See rates, fees and delivery options for 3 services side by side.