Corridor AUD → INR · Australian dollar to Indian rupee
What does it cost to send Australian dollars to India?
On 15 October 2026, the most a recipient in India got for 1,000 AUD was 65,817.14 INR via Remitly: a true cost of −3.21 AUD (−0.32%) including fee and rate markup. The last of 8 quotes cost 4.11%.
Transfer cost receipt · AUD → INR
Most to the recipient: Remitly transfer service
- You send
- 1,000.00 AUD
- Upfront fee
- −0.99 AUD
- Amount converted
- 999.01 AUD
- Rate given
- 65.8824
- Mid-market when quoted
- 65.6063
- Rate above mid-market inside the rate
- −4.20 AUD −0.42%
- True total cost
- −3.21 AUD −0.32%
- Recipient gets
- 65,817.14 INR
Picking the last quote in this ledger (OFX) instead would leave the recipient 2,907.17 INR short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:56 UTC. Quote collected 15 Oct 2026, 14:40 UTC. Source: Wise public comparison data.
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Every quote for 1,000 AUD → INR
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.99 AUD | −0.42% | −3.21 AUD | −0.32% | 65,817.14 INR | best |
| 2. Wiseservice | 5.33 AUD | 0.00% | 5.33 AUD | 0.53% | 65,284.87 INR | −532.27 INR |
| 3. Western Unionservice | 1.99 AUD | 0.31% | 5.11 AUD | 0.51% | 65,270.83 INR | −546.31 INR |
| 4. Instaremservice | 6.00 AUD | −0.02% | 5.79 AUD | 0.58% | 65,226.67 INR | −590.47 INR |
| 5. National Australia Bankbank | 0.00 AUD | 2.20% | 22.01 AUD | 2.20% | 64,162.00 INR | −1,655.14 INR |
| 6. Commonwealth Bank of Australiabank | 0.00 AUD | 2.58% | 25.83 AUD | 2.58% | 63,911.42 INR | −1,905.72 INR |
| 7. ANZbank | 0.00 AUD | 3.98% | 39.82 AUD | 3.98% | 62,993.72 INR | −2,823.42 INR |
| 8. OFXservice | 15.00 AUD | 2.65% | 41.10 AUD | 4.11% | 62,909.97 INR | −2,907.17 INR |
| Set aside, not ranked (2): see methodology | ||||||
| Xoomrate 1.12% above mid-market | 0.00 AUD | −1.12% | — | — | 66,339.42 INR | — |
| HSBC Australiacollected 64 h before retrieval | 0.00 AUD | 2.28% | — | — | 64,110.95 INR | — |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 AUD | Remitly | 0.08% | 3.98% | 13,111.25 INR | 512.51 INR | 7 |
| 1,000 AUD | Remitly | −0.32% | 4.11% | 65,817.14 INR | 2,907.17 INR | 8 |
| 5,000 AUD | Remitly | −0.40% | 3.98% | 329,346.60 INR | 14,378.01 INR | 9 |
What the AUD → INR numbers show
- Remitly delivered the most at every snapshot amount (200.00 AUD, 1,000.00 AUD, 5,000.00 AUD).
- At 200.00 AUD, true cost ranged from 0.08% (Remitly) to 3.98% (ANZ); the recipient would get 512.51 INR less with the last quote than with the first.
- Banks listed for this corridor averaged 2.92% in true cost at 1,000.00 AUD, against 1.08% for non-bank transfer services; on average 100% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 3 of 8 quotes at 1,000.00 AUD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
- Remitly and Instarem quoted a rate above the mid-market rate recorded at collection time (negative markup). That usually reflects a promotional rate or a quote collected at a different moment, so confirm it before relying on it.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for AUD/INR on 15 October 2026 was 65.6920. The mid-market rate implied by the top quote at its collection time was 65.6063, a difference of −0.13%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 AUD → INR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.99 AUD | −0.42% | 0.15 AUD | 0.08% | 13,111.25 INR | best |
| 2. Instaremservice | 1.20 AUD | −0.02% | 1.16 AUD | 0.58% | 13,045.33 INR | −65.92 INR |
| 3. Wiseservice | 1.83 AUD | 0.00% | 1.83 AUD | 0.92% | 13,006.83 INR | −104.42 INR |
| 4. Western Unionservice | 1.99 AUD | 0.41% | 2.81 AUD | 1.40% | 12,937.01 INR | −174.24 INR |
| 5. National Australia Bankbank | 0.00 AUD | 2.20% | 4.40 AUD | 2.20% | 12,832.40 INR | −278.85 INR |
| 6. Commonwealth Bank of Australiabank | 0.00 AUD | 2.58% | 5.17 AUD | 2.58% | 12,782.28 INR | −328.97 INR |
| 7. ANZbank | 0.00 AUD | 3.98% | 7.96 AUD | 3.98% | 12,598.74 INR | −512.51 INR |
| Set aside, not ranked (2): see methodology | ||||||
| Xoomrate 1.12% above mid-market | 0.00 AUD | −1.12% | — | — | 13,267.88 INR | — |
| HSBC Australiacollected 64 h before retrieval | 0.00 AUD | 2.28% | — | — | 12,822.19 INR | — |
Every quote for 5,000 AUD → INR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.99 AUD | −0.42% | −20.05 AUD | −0.40% | 329,346.60 INR | best |
| 2. Xoomservice | 0.00 AUD | −0.17% | −8.25 AUD | −0.17% | 328,572.94 INR | −773.66 INR |
| 3. Western Unionservice | 1.99 AUD | 0.31% | 17.63 AUD | 0.35% | 326,874.76 INR | −2,471.84 INR |
| 4. Wiseservice | 22.85 AUD | 0.00% | 22.85 AUD | 0.46% | 326,673.75 INR | −2,672.85 INR |
| 5. Instaremservice | 28.50 AUD | −0.02% | 27.43 AUD | 0.55% | 326,231.78 INR | −3,114.82 INR |
| 6. National Australia Bankbank | 0.00 AUD | 2.20% | 110.07 AUD | 2.20% | 320,810.01 INR | −8,536.59 INR |
| 7. Commonwealth Bank of Australiabank | 0.00 AUD | 2.58% | 129.17 AUD | 2.58% | 319,557.08 INR | −9,789.52 INR |
| 8. OFXservice | 15.00 AUD | 2.65% | 147.08 AUD | 2.94% | 318,381.92 INR | −10,964.68 INR |
| 9. ANZbank | 0.00 AUD | 3.98% | 199.11 AUD | 3.98% | 314,968.59 INR | −14,378.01 INR |
| Set aside, not ranked (1): see methodology | ||||||
| HSBC Australiacollected 64 h before retrieval | 0.00 AUD | 2.28% | — | — | 320,554.77 INR | — |
What to check before paying out in India
Deposits to Indian bank accounts need the account number and the branch IFSC code; inbound transfers are commonly credited over IMPS or NEFT. Non-resident Indians should check whether the receiving account is NRE or NRO, because the rules on repatriation and tax differ. Source: Reserve Bank of India: NEFT FAQs.
Read next
- How to send money to India without losing it in the rate
- What do banks really charge for an international transfer?
- How do exchange-rate markups work, and how big are they?
- What is the mid-market rate and where can you check it?
- Check the hidden markup on a rate you were offered
- How RateRunner calculates true cost
Questions people ask
- Which provider gave the most for 1,000 AUD sent to India?
- Remitly, with 65,817.14 INR delivered, in the snapshot retrieved 15 Oct 2026, 14:56 UTC. Its upfront fee was 0.99 AUD and its rate markup −0.42%.
- How much of the cost of sending AUD to INR is hidden in the exchange rate?
- For the 8 quotes on 1,000 AUD, rate markups ranged from −0.42% to 3.98% of the amount converted. 3 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these AUD to INR quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:56 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:56 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: aud-to-inr.json