Sending money from the UK to India (GBP to INR) with Wise
Wise converts GBP to INR at the mid-market rate and pays out in rupees from its own local account in India. Here's what it cost on real quotes, how it compared with the alternatives that day, and how quickly rupees usually arrive.
Fees and comparison checked 18 October 2026, 18:06 UTC.
GBP → INR calculator
Rate for 2026-10-18
GBP
INREstimate only. The fee uses a model fitted to Wise quotes from 18 Oct 2026. Wise's live quote, shown before you pay, is final, and paying by card can cost more than paying by bank transfer.
Worked example: sending £1,000 to India
Wise's fee is charged in pounds and taken off the amount you send. What's left is converted at the mid-market rate. On 18 October 2026, 18:06 UTC Wise quoted:
£994.86 × 126.62 = ₹125,969.17 received
The fee has a small fixed part and a percentage part, so it costs proportionally less on bigger transfers:
| You send | Wise fee | Fee as % of amount | Recipient gets |
|---|---|---|---|
| £100 | £1.03 | 1.03% | ₹12,531.58 |
| £500 | £2.86 | 0.57% | ₹62,947.87 |
| £1,000 | £5.14 | 0.51% | ₹125,969.17 |
| £5,000 | £23.46 | 0.47% | ₹630,129.49 |
Source: Wise quotes at a rate of 1 GBP = 126.62 INR, collected 18 October 2026, 18:06 UTC. Your quote will differ as rates move.
How Wise compared on the day
What each provider's recipient would have got for £1,000, from Wise's own comparison data at the same time:
| Provider | Stated fee | Recipient gets |
|---|---|---|
| WorldRemit | £3.49 | ₹126,679.91 |
| Remitly | £0.00 | ₹126,310.00 |
| State Bank of India | £0.00 | ₹126,050.00 |
| Wise | £5.14 | ₹125,969.17 |
| Barclays | £0.00 | ₹123,091.53 |
| Lloyds | £9.50 | ₹120,908.39 |
Wise was not the cheapest on this route. WorldRemit, Remitly and State Bank of India each delivered more rupees on £1,000, by about ₹80 to ₹710. Some of those rates may be new-customer offers. Wise did beat the high street banks listed by about ₹2,900 or more.
Source: Wise price comparison, collected 18 October 2026, 18:06 UTC. Wise gathers these figures itself. Rates change through the day, so compare on the day you send.
How long it takes
Wise's quote for £1,000 estimated arrival "in seconds". On its India page Wise says 77% of transfers arrive in under 20 seconds and 95% in less than a day.
Wise pays out in INR from its local account in India rather than over Swift, so there is no intermediary bank in the chain. Paying by bank transfer can be slower than paying by card.
What you need from your recipient
- Full name of the account holder
- Their Indian bank account number
- The branch IFSC code (11 characters)
GBP to INR: common questions
What exchange rate does Wise use for GBP to INR?
Wise uses the mid-market rate and charges its fee separately. On 18 October 2026 Wise quoted 1 GBP = 126.62 INR.
How much does Wise charge to send £1,000 to India?
On 18 October 2026 Wise quoted £5.14 to send £1,000 to INR. The recipient got ₹125,969.17. Wise shows the exact fee before you confirm.
Is Wise the cheapest way to send money to India?
Not on the day we checked. In Wise's own comparison on 18 October 2026, WorldRemit, Remitly and State Bank of India all delivered more rupees on £1,000. Compare on the day you send.
How long does a UK to India transfer take with Wise?
Wise's quote estimated arrival in seconds. Wise says 77% of transfers arrive in under 20 seconds and 95% within a day. Speed depends on how you pay.
Does my recipient need a Wise account?
No. Wise pays into an Indian bank account using the account number and IFSC code.