Whether you’re supporting family back home, paying tuition fees, or covering medical costs, sending money to India from Australia or New Zealand is something millions of people do every year. The good news: it’s never been easier — or more affordable — than it is today.
This guide walks you through how to send money to India using OrbitRemit, what it costs, how fast it arrives, and how it stacks up against other providers.
Why Australians and New Why Australians and New Zealanders Send Money to India
India is one of the world’s top remittance destinations, and the Indian diaspora in Australia and New Zealand is one of the most connected communities when it comes to supporting loved ones overseas. Common reasons people send money include:
- Family living expenses — groceries, rent, and daily costs
- Education — tuition fees, school supplies, accommodation
- Healthcare — medical bills and treatments
- Business — investments, bills, and supplier payments
- Emergencies and milestones — unexpected costs, weddings, and celebrations
Choosing the right provider means your money arrives faster, with less eaten up by fees and poor exchange rates.
How to Send Money to India with OrbitRemit
Sending money to India is a straightforward process:
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Create an account or log in
Register online or log into your existing account. New customers will need to complete a one-time biometric verification — a quick identity check that keeps your account secure and meets regulatory requirements.
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Set up your transfer
– Select Indian Rupees (INR) as the receiving currency
– Enter the amount you want to send in AUD or NZD — or the exact amount you want your recipient to receive in INR
– Review the live exchange rate and fee before you confirmUse OrbitRemit’s currency calculator to see exactly what your recipient will receive.
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Select delivery method
Under ‘Recipient Type’ select from:
– Bank Account Deposit Funds are deposited directly into your recipient’s Indian bank account, often within the same business day once payment is received.
– UPI Transfer Funds are delivered directly to your recipient’s UPI ID, which is linked to their Indian bank account. UPI is available as a delivery option at checkout where supported.
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Add your recipient’s details
You’ll need:
– Full legal name
– Bank account number and bank details
– Contact informationDouble-check everything here — accurate details prevent delays and ensure a smooth transfer.
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Pay for your transfer
Choose your preferred payment method:
Australia: Bank transfer, debit card, PayID, Apple Pay, Google Pay
New Zealand: Bank transfer, debit card, POLi, Apple Pay, Google PayOnce payment is received, OrbitRemit processes your transfer. You can track its progress in real time from your account.
How Fast Are Transfers to India?
Most bank transfers arrive within the same business day once payment is received. Here’s what affects your speed:
| Factor | Details |
|---|---|
| Payment method | Faster options (PayID, card) typically speed up processing |
| Time of payment | Transfers made before bank cut-off times process sooner |
| First-time transfers | May take slightly longer during verification |
| Public holidays/weekends | Bank processing schedules may cause minor delays |
For many customers, transfers are completed within minutes for supported payment methods — significantly faster than the 2–5 working days typical with traditional banks.
Key benefits of using OrbitRemit (2026)
Low, transparent transfer fees
OrbitRemit charges a fixed, flat transfer fee so you always know the cost upfront — no percentage-based fees, no surprises.
- New customers receive OrbitRemit’s special promo rate plus $0 fees*
- AUD to INR: always fee-free
- NZD to INR: $4 NZD per transfer
- Transfers of $10,000 or more are fee-free
*New customers only. Limited time offer. Rate subject to change. $500 AUD/$500 NZD limit applies. Terms and conditions apply. Not available in conjunction with any other offer.
Competitive exchange rates
OrbitRemit provides competitive AUD to INR and NZD to INR exchange rates that are typically much stronger than those offered by Australian or New Zealand banks. Up to 75% cheaper than the banks.*
*Based on internal research conducted in December 2024.
Security and regulation
From login to delivery, your money and personal information are kept safe using industry-leading encryption and fraud detection systems.
OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter. We follow strict financial, compliance and anti-money laundering requirements to ensure your transfers are always safe and transparent.
Easy-to-use online platform
OrbitRemit offers a user-friendly app and website that allows customers to arrange transfers quickly and track transactions in real time. Customer support is available via email and live chat.
OrbitRemit vs Other Providers
OrbitRemit vs Traditional Banks
Banks are slow, expensive, and opaque with their exchange rates. OrbitRemit offers faster transfers, better rates, and full fee transparency — without the need to visit a branch.
OrbitRemit vs Wise
Wise uses the mid-market exchange rate with percentage-based fees. OrbitRemit uses a fixed-fee model, which means for larger transfers — especially fee-free transfers above $10,000 NZD — you can come out ahead with OrbitRemit.
OrbitRemit vs Western Union
Western Union’s global cash pickup network is an advantage for recipients without bank accounts. But if your recipient has a bank account, OrbitRemit typically offers lower fees and a better overall rate.
OrbitRemit vs WorldRemit and Remitly
Digital remittance providers are broadly competitive on speed. Where OrbitRemit stands out is its straightforward fixed pricing and the fee-free structure for AUD transfers and large NZD transfers.
Frequently Asked Questions (FAQs)
Is OrbitRemit safe to use?
Yes, OrbitRemit is safe. OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter.
How much does it cost to send money to India from Australia?
Transfers from Australia to India are fee-free every time — $0 transfer fee. You will see the exchange rate and total amount your recipient will receive before confirming.
Fees and availability may vary depending on the payment method and any promotional offers at the time of sending.
How much does it cost to send money to India from New Zealand?
Transfers from New Zealand to India cost $4 NZD per transfer. Transfers over $10,000 NZD are fee-free.
Fees and availability may vary depending on the payment method and any promotional offers at the time of sending.
Is there a limit sending to India with OrbitRemit?
Yes. The daily transaction limit is 15,000,000 INR for transfers to personal bank accounts and 1,500,000 INR for transfers to business bank accounts. Limits may be subject to account verification and regulatory requirements.
What banks can you send to in India?
With OrbitRemit, you can send money directly to any bank account in India including HDFC, ICICI, SBI, Union Bank, Axis Bank and more.
Can I send money to a UPI ID in India?
Yes. OrbitRemit supports sending money directly to a recipient’s UPI ID where UPI is available at checkout. UPI is linked to your recipient’s Indian bank account and gives them instant access to the funds. You’ll need your recipient’s UPI ID to set up the transfer.
What information do I need to send money to India?
For bank transfers you typically need:
– Recipient’s full name
– Bank account details
For UPI transfers you need:
– Recipient’s UPI ID
Ensuring all information is correct helps prevent transfer delays.
Can I send money instantly to India?
Many transfers with OrbitRemit are processed quickly once payment is received, with most settling within the same business day. UPI transfers may be available faster depending on the recipient’s bank. Exact timing may vary by payment method and bank processing.
What payment methods can I use in Australia?
OrbitRemit supports a range of convenient and secure payment methods for customers sending money to India from Australia.
Australia payment methods include:
– Bank transfer
– Debit card
– PayID
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device. Choosing faster payment options such as PayID or card payments may help speed up transfer processing times.
What payment methods can I use in New Zealand?
OrbitRemit supports a range of convenient and secure payment methods for customers sending money to India from New Zealand.
New Zealand payment methods include:
– Bank transfer
– Debit card
– POLi
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device. Choosing faster payment options such as PayID or card payments may help speed up transfer processing times.
Can I track my OrbitRemit transfer?
Yes — track your transfer in real time through your OrbitRemit account or mobile app. Learn more about transfer tracking →
Ready to Send Money to India?
Sending money home doesn’t have to be expensive or complicated. With OrbitRemit, you get:
- No fees on AUD transfers (and fee-free NZD transfers over $10,000)
- Competitive exchange rates that beat the banks
- Same-day delivery for most transfers
- Rated Excellent on Trustpilot with 33,000+ reviews
- Regulated and secure in both Australia and New Zealand
