AUD to INR exchange rate | Send money from Australia to India

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📈 Australia to India Money Transfer Snapshot Today

Best AUD to INR exchange rate today: INR 66.2341, offered by Panda Remit
Number of money transfer providers compared: 17
Exchange rate range: INR 63.0233 to INR 66.2341
Potential savings on AUD 1000: INR 3,210.80
Number of deals and promo codes: 6
Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AUD to INR exchange rate before providers add their margin or fees. exchange rate: 1 AUD = INR 64.6075 (Updated about 1 hours ago)

See detailed Australia to India money transfer comparison below.

Money Transfer Providers that matched the search criteria

💡What today's AUD-INR exchange rates mean for you

Compare today's AUD-INR exchange rates and send money from Australia to India with confidence. View provider pricing, read detailed reviews, and discover current deals and promotional offers — all in one place.

We compared 17 providers serving this corridor today. Here is how the market looks like right now:

Today's Most Competitive Australia to India Providers

🥇 Panda Remit with 1 AUD = 66.2341 INR (best AUD to INR exchange rate today).

🥈 MoneyGram offering 1 AUD = 65.8928 INR.

🥉 Key Currency & Currencyflow are also pricing AUD-INR competitively today.

AUD-INR exchange rates fluctuate throughout the day, and top positions can change quickly. The best provider for a AUD 1000 transfer may not be the cheapest for larger amounts.

That's why comparing money transfer providers can significantly impact the final INR received in India.

🔄 Looking for the reverse route? Send money from India to Australia instead.

Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Australia.

👇 Look beyond today's AUD-INR exchange rate — historical pricing trends show how they can affect the overall transfer cost of your transfer.

Whilst the exchange rate matters, long-term pricing patterns show that exchange rate markup, transfer fees, and payment and delivery methods can significantly influence your final payout.

Below, we analyze Australia to India historical remittance data to help you understand where costs may arise and strategies to potentially maximize your INR payout.

Data-driven cost insights for Australia to India money transfers

When you send money internationally from Australia to India, the key factors that will influence the overall cost of your transaction are:

AUD-INR exchange rate
Transfer fee
Payment method
Delivery method

Ideally, you would want to optimize these 4 factors to try to get the maximum INR payout for your overseas recipient in India.

Another counter-balancing aspect is money transfer speed. If you need to rush money from Australia to India, you may have to compromise on some or all of the above factors.

To put these factors into a better perspective with a data-driven approach, we have analyzed historical remittance pricing¹ for the Australia to India corridor, comparing total transfer costs, FX margins, fees, and payment and delivery methods across providers.

This historical analysis based on actual AUD-INR transfer data could prove useful in identifying the lowest-cost funding options and payout combinations, thereby helping you reduce transfer costs and maximize the amount received.

Before we deep dive, here are the key trends from our analysis, summarized in an easy to read manner.

📌 Key insights for Australia to India money transfers

Typical total cost: 4.11% (range -2.38% to 20.43%, spread 22.81 pp)
Potential value difference: On a AUD 200 transfer, that spread can save you up to AUD 45.62.
FX markup (exchange rate margin): 1.64% (range -2.38% to 8.75%, spread 11.13 pp)
Average transfer fee: AUD 4.94 (range AUD 0.00 to AUD 30.00)
Cheapest payment/delivery method combo: Bank Account Transfer → Mobile Wallet (1.89% avg cost); most expensive is Cash → Bank Deposit (6.54%)
Method choice impact: Cheapest vs most expensive combo differs by about 4.65 percentage points.
Market coverage: ~23 active providers (competition level: highly competitive)
Typical speed: About 33 hours (~1.4 days)

What to do next: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.

Below, we provide various useful and detailed insights for Australia to India money transfers.

📈 AUD to INR exchange rate markup can be the biggest hidden cost

The exchange rate on your Australia to India money transfers can often be the single biggest factor that will determine your overall AUD cost and your recipient's INR payout.

To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AUD to INR exchange rate before providers add their margin or fees. exchange rate and the exchange rate you receive.

Based on 415 pricing observations across 23 providers over the last 3 years (for a AUD 200 money transfer benchmark), we see the following exchange rate markup ranges for Australian Dollar to India transfers:

Average exchange rate markup: 1.64%
Median exchange rate markup: 1.13%
Lowest observed markup: -2.38%^ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts.
Highest observed markup: 8.75%

That is an FX markup spread of 11.13 percentage points between the lowest and highest observed exchange rate markups.

This spread is important because FX markup is not consistent across providers or payment methods. In other words, a "good deal" on one day or transfer amount can look very different on another.

For example, on a AUD 200 transfer, the above markup range is equivalent to roughly INR 22.26 purely from differences in the exchange rate. That incremental saving can be INR 55.65 for a AUD 500 transfer.

How to use this insight: When comparing providers for Australia to India international remittances, always compare the exchange rate you receive (not just fees). A small difference in the FX markup can outweigh fees quickly, and the impact typically grows as transfer amounts increase.

AUD to INR exchange rate can be the single most critical cost determining factor for your transfer. When comparing providers, pay close attention to the rate you will get.

💰 Transfer fees influence your total Australia to India remittance cost

Whilst exchange rate is a major factor affecting total percentage cost, the transfer fee itself can also have a major impact on how much of your Australian Dollar amount actually reaches your recipient in India.

Based on 415 pricing observations across 23 providers over the last 3 years (AUD 200 benchmark), we notice the following fee patterns for Australian Dollar to India money transfers:

Average transfer fee: AUD 4.94
Median transfer fee: AUD 4.00
Lowest observed fee: AUD 0.00
Highest observed fee: AUD 30.00

On a AUD 200 transfer, the average fee amount of AUD 4.94 represents 2.47% of the total amount sent.

Looking at the overall fee variation, even if two providers provide similar exchange rates, a worst case transfer fee can reduce the final payout by AUD 30.00 on the same transfer amount.

For larger transfers, fixed fees generally become less significant as a percentage of the total amount. But for smaller transfers, fees can represent a substantial portion of total cost.

How to use this insight: For your next money transfer from Australia to Indian Rupee, look for providers that provide lower (or even 0) fees.

One caveat to this, though, is something called the hidden fee. Some providers may hide their fees by providing lower exchange rates (referred to as a hidden fee), so you should also keep an eye on rates whilst paying attention to fees.

💸 Payment and delivery methods matter for AUD-INR remittances

Based on our detailed analysis of historical pricing on the Australia to India corridor, we see meaningful variation in overall cost depending on the payment method and delivery method you choose.

Based on 415 pricing observations across 23 providers over the last 3 years (AUD 200 money transfer benchmark), the lowest-cost payment and delivery options consistently differ from the highest-cost ones.

For example, here is the average cost variation for popular payment methods used to send money to India from Australia:

Debit Card: 2.46%
Credit Card: 3.18%
Bank Account Transfer: 4.36%
Cash: 4.58%

That is a total spread of 2.12 percentage points.

This means that on a AUD 200 AUD-INR transfer, you could save (or lose) up to AUD 4.24 simply by choosing from amongst the available payment methods.

The savings will only multiply for higher AUD amounts.

Similarly, here is the average cost of popular delivery methods used to send money to India:

Mobile Wallet: 1.89%
Cash Pickup: 3.21%
Bank Deposit: 4.43%

The difference between the above delivery methods is 2.54 percentage points.

Once again, this means that you could save up to AUD 5.08 on a AUD 200 transfer to India by choosing Mobile Wallet versus Bank Deposit.

As you can imagine, the possible combinations of Australia payment methods and India delivery methods will all have disparate cost associated with them. Let us look at that next.

Here is a summary table that shows the average cost of payment and delivery method combinations for Australia to INR money transfers.

Payment Method	Delivery Method	Avg cost (%)
Bank Account Transfer	Mobile Wallet	1.89
Debit Card	Cash Pickup	2.35
Debit Card	Bank Deposit	2.51
Credit Card	Bank Deposit	2.87
Bank Account Transfer	Cash Pickup	3.14
Cash	Cash Pickup	3.32
Credit Card	Cash Pickup	3.85
Bank Account Transfer	Bank Deposit	4.60
Cash	Bank Deposit	6.54

Combinations are sorted by average total cost % (cheapest to most expensive).

As you can see, the cost differential between these AUD-INR payment and delivery options is significant. To put this in further perspective:

Bank Account Transfer → Mobile Wallet has the lowest average cost at 1.89%.
Cash → Bank Deposit has the highest average cost at 6.54%.
Bank Account Transfer → Mobile Wallet average cost is 4.65 percentage points lower than Cash → Bank Deposit.
This means that on a AUD 200 money transfer, you could save up to AUD 13.08 simply by choosing the best payment and delivery method combo.
Further, on a AUD 500 money transfer, the savings increase to AUD 32.70.

Here is a quick summary of the average historical cost of various payment and delivery methods for AUD to India money transfers.

💸 Cheapest payment and delivery methods (data-backed)

Cheapest payment method: Cost of Debit Card averaged 2.46%, compared to 4.58% for Cash, a difference of 2.12 percentage points.
Cheapest delivery method: Cost of Mobile Wallet averaged 1.89%, compared to 4.43% for Bank Deposit (2.54 percentage points higher).
Cheapest combo: Cost of Bank Account Transfer → Mobile Wallet averaged 1.89%, which is 4.65 percentage points lower than Cash → Bank Deposit (6.54%).

How to use this insight: As you compare money transfer providers for your next Australia to India international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.

This approach can help you avoid a common remittance pitfall of "cheap exchange rate, expensive methods" that can raise total cost even when the headline exchange rate looks attractive.

You can save money on your Australia to India remittances by carefully choosing the most economical payment and delivery methods.

🏦 Are banks more expensive than specialist providers for AUD-INR money transfers?

We compared traditional banks with specialist money transfer providers based on 3 years of pricing data for Australia to India transfers (AUD 200 benchmark), and noticed some patterns.

We observed that traditional banks charge 3.09 percentage points more on average than specialist money transfer providers for the Australia to India remittance corridor.

That means banks are approximately 1.98x more expensive than money transfer companies on average.

Here are the key stats behind this comparison:

	Banks	Specialists	Difference
Average transfer fee	AUD 7.33	AUD 3.85	AUD 3.48
Exchange rate markup	2.56%	1.22%	1.35 pp
Average total cost (%)	6.23%	3.14%	3.09 pp

How to use this insight: Whilst banks in Australia may offer convenience and brand familiarity, specialist money transfer providers often deliver lower overall cost driven by better exchange rates and lower fees. Even if you want to send money overseas with your bank in Australia, we recommend comparing with money transfer companies to find the best options.

📊 Does sending more reduce the cost of AUD-INR money transfers?

To see if transfer cost varies based on the amount sent, we compared the average costs of sending AUD 200 vs AUD 500 from Australia to India.

We found that sending the higher amount (AUD 500) tends to be cheaper - average cost drops from 4.11% to 2.69%, a reduction of 1.42 percentage points.

It is possible that the cost may continue to drop for higher transfer amounts. That said, always check the latest exchange rates and fees for your transfer amount.

How to use this insight: Since it is generally cheaper to send higher Australian Dollar amounts to India, consider consolidating smaller, more frequent transfers into fewer, larger sends as doing so may reduce the total cost you pay.

🏛 How competitive is the Australia to India remittance market?

Based on 415 pricing observations over the last 3 years (AUD 200 money transfer benchmark), the AUD-INR corridor is served by 23 active providers on an average.

With 23 providers serving this market, we consider the level of competition in this corridor to be highly competitive.

Traditional banks represent only 30.4% of active providers in this corridor (7 out of 23), meaning specialist money transfer companies make up the majority.

A corridor with more active providers is typically more competitive, which can translate into better pricing and more payment and delivery options for your Australia to India remittances.

⏱️ How fast are AUD-INR money transfers?

Transfer speed can matter just as much as cost, especially when your recipient in India needs funds urgently.

Based on 415 historical pricing observations across 23 providers over the last 3 years (AUD 200 benchmark), here is what we see for Australia to India transfers:

Typical transfer time: About 33 hours (~1.4 days).
Fastest transfer time: About less than 1 hour.
Slowest transfer time: About 96 hours (~4.0 days).
Average speed at AUD 200: About 33 hours (~1.4 days).
Average speed at AUD 500: About 33 hours (~1.4 days).

Banks vs money transfer providers: We observed that banks take on average 27 hours longer than specialist money transfer providers on this corridor.

How to use this insight: If you need to send money from Australia to India in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed often varies by payout method (bank vs cash vs wallet) and local rails in India.

On the Australia to India corridor, delivery speed can vary across providers, so it is worth comparing transfer speed alongside total cost for time-sensitive money transfers.

Frequently Asked Questions about Australia to India money transfers

These FAQs use data from RemitFinder's historical analysis of Australia to India money transfers over several years.

What factors affect the total cost of sending money from Australia to India?

AUD-INR exchange rate markup, transfer fees, payment method and delivery method all affect total cost.

The total cost of your AUD-INR money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate markup applied, and any transfer fee charged by the provider. You can generally avoid overpaying by comparing various providers.

How much does the exchange rate markup affect Australia to India transfers?

AUD-INR exchange rate markup can significantly affect your final payout.

Historical Australian Dollar to INR FX markup ranges from -2.38% to 8.75%, a spread of 11.13 percentage points. As you can see, even small differences in the exchange rate markup can easily outweigh fees.

Can AUD-INR exchange rate markup be negative?

Yes, negative markup can occur for Australia to India transfers, usually representing a promotional rate.

In some cases, providers may offer promotional exchange rates that are better than the mid-market rate, resulting in a negative AUD-INR exchange rate markup. These offers are typically limited in size, eligibility, or duration. Compare providers to see if you can take advantage of such special offers.

Is the exchange rate or the fee more important for Australia to India transfers?

Both exchange rate markup and transfer fees matter for AUD-INR transfers — their relative impact changes with transfer amount.

Exchange rate markup ranges from -2.38% to 8.75% (a spread of 11.13 percentage points). Transfer fees range from AUD 0.00 to AUD 30.00, which equals roughly 15.00 percentage points of a AUD 200.00 transfer.

At AUD 200.00, the larger driver of overall cost variation is the transfer fee, whilst at AUD 500.00, it shifts toward exchange rate markup.

But regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Australia to India transfers.

As the transfer amount increases, the % impact of fees often decreases (because the fee gets spread across a larger AUD amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.

For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate markup often becomes the bigger driver. Either way, comparing both helps you get the most INR for your AUD.

How much can Australia to India transfer costs vary between providers?

Transfer costs can vary significantly depending on provider and method.

Historical transfer costs range from -2.38% to 20.43% for AUD transfers to India. That is a spread of 22.81 percentage points, meaning the difference between providers can be material.

A major contributor to this variation is exchange rate markup. Markup alone ranges from -2.38% to 8.75% (a spread of 11.13 percentage points). Even small differences in FX margin, therefore, can significantly change the final INR payout.

Why does the same AUD transfer cost different amounts when sending INR to India?

Payment method, delivery method, exchange rate markup, and fees all affect total AUD-INR cost.

Costs vary because providers apply different Australian Dollar exchange rate markups, charge different transfer fees, and offer different payment and delivery methods. Even small differences amongst all these factors can significantly change the final payout in INR in India.

How stable are transfer costs in the Australia to India corridor?

Money transfer costs can vary meaningfully across providers and methods in the Australia to India market.

When we analyzed the historical total cost for AUD-INR transfers, we observed a range from -2.38% to 20.43% (22.81 percentage points), along with a variability (standard deviation) of about 3.73%.

A major driver of cost in this market is exchange rate markup. Markup ranges from -2.38% to 8.75% (11.13 percentage points), with a standard deviation of about 1.74%. Fees and method choices can contribute to further volatility.

This reinforces why comparing money transfer providers and their services can matter when it comes to getting the most of your AUD-INR transfers.

Which payment method is cheapest for Australia to India remittances?

Debit Card is the cheapest payment method in Australia based on average cost.

Debit Card averages 2.46% of total cost compared to Cash at 4.58%, a difference of 2.12 percentage points.

Based on this, we recommend paying for your AUD transfer with Debit Card, and avoiding Cash if possible.

Is Debit Card cheaper than Credit Card for Australia to India transfers?

Debit Card is cheaper on average when sending money to India from Australia.

For AUD-INR transfers, Debit Card funding averages 2.46% compared to 3.18% for Credit Card payments, a difference of 0.72 percentage points.

As a result, we recommend that you avoid paying for your transfer to India with a Credit Card.

Which delivery method is cheapest for AUD-INR money transfers?

Mobile Wallet is the cheapest delivery method in India on average.

Mobile Wallet averages 1.89% total cost compared to Bank Deposit at 4.43%, a spread of 2.54 percentage points.

If your recipient in India can accept Mobile Wallet, we recommend choose it as your preferred delivery option for AUD-INR transfers.

Is Bank Deposit cheaper than Cash Pickup for Australia to India transfers?

Cash Pickup is cheaper on average for transfers to India.

For AUD transfers to India, Bank Deposit averages 4.43% versus 3.21% for Cash Pickup, a difference of 1.22 percentage points. To save more, consider choosing the cheapest delivery option for India.

What is the cheapest way to send money from Australia to India?

For AUD-INR transfers, Bank Account Transfer → Mobile Wallet has the lowest-cost combination on average.

We evaluated 9 payment and delivery method combinations in the Australia to India remittance market.

Based on historical averages, Bank Account Transfer → Mobile Wallet costs about 1.89% on average. At the other end of the spectrum, Cash → Bank Deposit is the most expensive combination at about 6.54% on average.

The spread between the cheapest and most expensive method combinations is approximately 4.65 percentage points when sending AUD to India.

Money transfer providers tend to price payment and delivery methods for Australia to India remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your AUD-INR transfers.

Does sending more money reduce the cost for Australia to India transfers?

Larger AUD-INR transfers are cheaper as a percentage on average.

The cost of a AUD 200 transfer averages 4.11% as compared to 2.69% for a AUD 500 transfer, a difference of 1.42 percentage points.

Note that transfer cost can change quickly based on the AUD amount you send, so ensure to carefully compare providers.

How long does it take to send money from Australia to India?

Most AUD-INR transfers complete in about 33 hours (~1.4 days).

Based on our analysis, the average transfer time is 33 hours (~1.4 days), with the fastest transfers completing in less than one hour and the slowest in 96 hours (~4.0 days).

Are instant transfers available from Australia to India?

Yes, some transfers to India from Australia can complete in less than one hour.

Historical data shows that certain providers can complete transfers in under one hour.

Note that the actual speed of your AUD-INR transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.

Are banks more expensive than money transfer companies for Australia to India?

Banks in Australia are more expensive than specialist money transfer providers on average.

Banks average 6.23% total cost compared to 3.14% for specialist money transfer providers in Australia, a difference of 3.09 percentage points.

Why do banks charge more for Australia to India transfers?

Banks in Australia often apply higher exchange rate markups and charge high wire transfer fees.

In this corridor, banks average 6.23% total cost compared to 3.14% for money transfer specialists.

The difference is often due to the fact that banks in Australia charge higher exchange rate markups, and often higher wire transfer fees as well.

How competitive is the Australia to India remittance market?

On an average, there have been 23 active providers facilitating AUD-INR transfers.

Based on historical data, the competition level in Australia to India is considered highly competitive with 23 active providers.

Specialist money transfer providers represent about 69.6% of identified providers in Australia.

Do I risk overpaying if I do not compare providers for Australia to India?

The difference between providers servicing Australia to India can be meaningful, especially as the AUD transfer amounts increase.

Historically, total AUD-INR transfer cost has varied by about 22.81 percentage points. On a AUD 200 transfer, that can translate to roughly AUD 45.62 in savings.

AUD-INR exchange rate markup also varies across providers. The average markup spread has been about 11.13 percentage points. On a AUD 200 transfer, that is roughly AUD 22.26 saved from FX alone.

Fees can also make a big difference in this market. The fee difference across providers has been about AUD 30.00 traditionally.

That is why comparing providers can materially change how much of the AUD you send does your recipient receive in India in India.

Latest AUD to INR Conversion Rates

Here are some latest AUD to INR (Australian Dollar to Indian Rupee) exchange rates for popular conversion amounts*.

1 AUD	64.61 INR
5 AUD	323.04 INR
10 AUD	646.08 INR
25 AUD	1,615.19 INR
50 AUD	3,230.38 INR
100 AUD	6,460.75 INR
150 AUD	9,691.13 INR
200 AUD	12,921.50 INR
250 AUD	16,151.88 INR
300 AUD	19,382.25 INR
400 AUD	25,843.00 INR
500 AUD	32,303.75 INR
600 AUD	38,764.50 INR
700 AUD	45,225.25 INR
800 AUD	51,686.00 INR
1000 AUD	64,607.50 INR
1500 AUD	96,911.25 INR
2000 AUD	129,215.00 INR
2500 AUD	161,518.75 INR
3000 AUD	193,822.50 INR
4000 AUD	258,430.00 INR
5000 AUD	323,037.50 INR
10000 AUD	646,075.00 INR
15000 AUD	969,112.50 INR
20000 AUD	1,292,150.00 INR
30000 AUD	1,938,225.00 INR
40000 AUD	2,584,300.00 INR
50000 AUD	3,230,375.00 INR
100000 AUD	6,460,750.00 INR

*Based on the Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AUD to INR exchange rate before providers add their margin or fees. Exchange Rate. Actual payout may vary based on the chosen money transfer provider.

Other popular countries to send money from Australia

¹ Based on 415 pricing observations across 23 firms over the last 3 years for a AUD 200 money transfer from Australia to India. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.

How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Australia to India remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.

Compare today's AUD to INR (Australian Dollar to Indian Rupee) exchange rates