How to send money to India

Send money to India in 3 steps: Buy a bank transfer gift card from Rewarble partners, redeem your voucher code at Rewarble.com/redeem, and transfer funds to any Indian bank account without sharing personal banking details. Transfer time: 1-3 business days. No account verification needed for smaller amounts.

Transfer money to India with a gift card

Show me more

Best way to send money to India?

Bank transfer gift cards provide a simple solution for India money transfers. You purchase a prepaid voucher, redeem it on a website, and send money without connecting your bank account or uploading documents for verification.

The privacy benefits make this option stand out. Data breaches happen regularly, so protecting your banking information when sending money abroad makes good sense.

Why choose gift cards?

Gift cards address common frustrations with international transfers:

• Privacy first keeps your bank information secure
• Email only for quick access without creating accounts
• Multiple recipients from one card simplifies family support
• 24/7 availability lets you transfer anytime
• Better rates compared to many alternatives
• 14+ currencies including USD, EUR, GBP, and more

How do I send money to India online?

Step 1: Buy your gift card

Get started by buying a gift card from a Rewarble partner location. After purchase, you'll receive an email with your voucher code within minutes. No paperwork, no waiting.

Step 2: Redeem your code

Head over to Rewarble.com/redeem with your voucher code. The process is simple:

1. Type in your gift card code
2. Enter your email address
3. Click the login link sent to your inbox
4. Watch your code turn into transferable balance

That's it. No usernames, no security questions.

Step 3: Add recipients

Now add the people you want to send money to. You'll need their:

• Full name (exactly as it appears on their bank account)
• Indian bank account number

The benefit here is that your recipients never see your personal information. They just receive the money.

Step 4: Complete transfer

Time to send the money. Select the bank transfer option, pick your recipients from the list you just created, decide how much each person gets, and hit confirm. You can send different amounts to different people all from the same gift card balance.

Pro tip: Planning to send money to your parents, pay for your cousin's tuition, and help with your sister's medical bills? Add them all as recipients and handle everything in one go.

Transfer Network SWIFT

Gift cards connect to major banking networks for reliable international transfers. The service uses SWIFT network to ensure your money reaches India efficiently.

What this means for you

SWIFT transfers handle most international payments to India, connecting over 11,000 banks worldwide. Your transfer moves through this secure network that banks have trusted for decades.

These established networks mean:

• Your money travels through official banking channels
• Transfers are traceable and secure
• Indian banks recognize and process them quickly
• Full compliance with international banking standards

The gift card service automatically routes your transfer through the most efficient network based on your currency and recipient bank.

Are there fees when sending money to India?

Bank transfer gift cards typically cost less than what you're probably paying now. Let's look at real numbers because nobody likes surprise fees when sending money to loved ones. Check your fees upfront with our converter and see exactly how much you will pay before you continue.

Why gift cards cost less?

Lower costs come from a simpler process:

• Skip ID verification and save on processing fees
• Local networks mean better currency exchange rates
• Pay per use instead of monthly account fees
• Bulk pricing available on larger purchases
• Clear pricing with the total cost shown upfront

Those extra fees banks add after quoting you a price? Gift cards show the real cost from the start.

How long does money transfers take to India?

Transfers through SWIFT will take 1-4 business days. Gift cards get you started immediately with no waiting for account approvals or document verification. You buy the card, get your code by email within minutes, and you're ready to transfer.

Speed advantages

Here's the timeline:

1. Purchase to code takes under 5 minutes
2. Code to balance is instant at Rewarble.com/redeem
3. Balance to transfer requires just a few clicks
4. Transfer to India takes 1-3 business days
5. Available 24/7 including weekends and holidays

How gift cards save time?

Traditional services require multiple steps over several days. Creating an account (day 1), uploading documents (day 2), waiting for verification (day 3-4), then finally transferring (day 5).

With gift cards, you buy today and send today. It's straightforward and efficient.

Smart move: Keep a gift card balance ready for emergencies. Since Rewarble balances don't expire, you're always prepared when urgent situations arise.

Cheapest way to transfer?

Bank transfer gift cards reduce costs by removing expensive verification and compliance processes from traditional services.

Cost-saving features

Smart ways to save on every transfer:

1. Avoid verification fees and keep $10-25 in your pocket
2. Get market rates through local banking networks
3. Pay as you go with no subscription or account fees
4. Save with bulk buys when purchasing multiple cards
5. Know the total cost before you buy

Is Rewarble safe to transfer money to India?

Rewarble provides secure transfers through established banking infrastructure. The platform works with licensed financial partners and uses encrypted connections to protect your information during transactions. Your financial information is valuable to hackers, marketers, and identity thieves. Every time you link a bank account or upload documents online, you trust another company with sensitive data. That's why hundreds of thousands of people daily use Rewarble to securely pay online.

Privacy benefits

Rewarble bank transfer gift cards protect you from:

• Data breaches that expose banking details
• Financial profiling by companies selling your data
• Targeted scams based on transfer history
• Identity theft using uploaded documents
• Unwanted questions about your transfers

Send money online to most banks in India

You can send to most Indian banks. Major banks like State Bank of India and Indian Bank work with the SWIFT system for international payments, along with HDFC, ICICI, Axis Bank, Punjab National Bank, and over 150 others across the country.

The SWIFT network is a global platform that financial institutions use to exchange transaction information, and each participating bank has its own unique SWIFT/BIC code. Most Indian banks are part of this network. To ensure your specific recipient bank accepts SWIFT transfers, you can verify directly with the bank or check through the transfer service provider, as they can confirm the SWIFT code needed for international transfers.

India transfer regulations

Every international transfer must follow regulations. Gift card transfers comply with all requirements while keeping the process simple.

RBI Requirements

India allows individuals to receive up to $250,000 per financial year (April to March). Key points:

• Annual limit is $250,000 for personal transfers
• Purpose codes specify why you're sending money
• Large transfers over $25,000 need extra documentation
• Tax considerations may apply on interest earned

FEMA Compliance

The Foreign Exchange Management Act requires you to specify your transfer purpose (usually family maintenance) and relationship to the recipient. Gift cards don't require this.

Send money from Canada

Canadian residents can easily use bank transfer gift cards to send money to India. The process works the same way from Toronto, Vancouver, or anywhere else in Canada.

Canada-specific benefits

Living in Canada offers these advantages when using gift cards for India transfers:

• Multiple currency options let you send in CAD, USD, or EUR
• New immigrant friendly since no Canadian banking history is required
• Privacy by default keeps your financial information secure
• Local availability through Canadian Rewarble partners everywhere
• Simplified compliance as gift card purchases bypass complex reporting

Process for Canadian senders

The process takes about five minutes. Buy your gift card from a Canadian partner (online or in-store), get your code by email, go to Rewarble.com/redeem, add your Indian recipients, and send in your preferred currency.

For NRIs, this means supporting family back home without revealing Canadian salary details or bank balances. Your privacy remains protected.

Questions about bank transfer gift cards

How do Bank transfer gift cards work?

You buy a voucher from Rewarble partners just like any gift card. Take that code to Rewarble.com/redeem, convert it to balance, and use it to send money to any Indian bank. No bank account linking or lengthy forms needed.

Can I send to multiple accounts?

Yes, add as many recipients as needed. Parents, siblings, cousins, anyone who needs support. Split one card balance among them all instead of repeating the process for each person.

Do I need identity verification?

No, just provide an email for your login link. Your privacy stays protected throughout the process.

Are gift card transfers legal?

Yes, fully legal. The service uses licensed banking partners and follows international money transfer laws. Indian recipients receive funds through standard banking channels that comply with RBI regulations.

Key points

• Gift cards change the transfer game with privacy, speed, and simplicity
• Skip verification using just email access
• Get codes instantly so you can send money right away
• Support everyone at once with multiple recipient options
• Save money with rates that beat many current options
• Send from anywhere using 14+ currency options
• Fast delivery through established local networks
• No password or account management needed
• Buy ahead since your Rewarble balances don't expire

Summary

Sending money to India doesn't require choosing between convenience, cost, and privacy. Bank transfer gift cards offer a practical solution that addresses the common frustrations of international money transfers.

For those who send money regularly and want to avoid repetitive verifications, prioritize protecting financial data, or simply want a better way to support family, gift cards provide a solid alternative. They work within all regulatory requirements while respecting your need for simplicity and security.

The process remains simple: buy a gift card, redeem it online, add recipients, and send. No accounts to manage, no documents to upload, no banking information at risk. Just a secure method to ensure your money reaches the people who need it.

As supporting family across borders becomes increasingly common, having a transfer method that respects both your privacy and your time becomes essential for many people.