Send Money from Singapore 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.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are UPI, bank deposit, card payout and cash pickup. 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 SGD 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 Singapore under the Monetary Authority of Singapore, 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 S$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Wise's own table prices a Wise balance and an outside bank transfer at exactly the same figure here, 4.01 SGD on 1,000 SGD. On most corridors these differ, and on two others in this hub the bank transfer is the cheaper of the two. If you already hold Singapore dollars in the service there is nothing to gain by moving them out first, and nothing to lose either. Remitly is the only service on this page offering UPI payout. For a recipient who uses UPI as their main way of being paid, that is a different product from a bank deposit, not a cheaper version of one — compare on whether it lands where they actually want it. Every promotional rate on this page is capped and applies once. Remitly's covers the first 1,000 SGD, Instarem waives the fee up to 3,000 SGD, and Western Union's no-fee offer needs PayNow or bank transfer as the payment method. A first transfer is not a guide to what the second one costs. India is by a wide margin the largest destination for money sent out of Singapore, and the corridor is competitive because of it — four services with published pages, three different payout rails. That is a reason to compare rather than default to whichever one a colleague recommended. Wise's debit card figure held identical across both reads on this corridor and is published. On two other corridors in this hub it did not, and there it is withheld. The figures on this site are checked per corridor, not assumed from a pattern.