HDFC International Transfer [2026 Guide]

Looking to send a payment overseas? Before you set up your HDFC international money transfer, read this guide. We'll walk through all you need to know about the HDFC international bank transfer process, HDFC international money transfer charges, the exchange rate and limits.

HDFC is India's largest private sector bank - but that doesn't necessarily mean it's the right option for your overseas transfer. For some customers and currencies, international remittance services are offered only by visiting an HDFC branch - which can be a hassle.

Instead check out specialist services like Wise and OFX which operate online and in-app, and may be able to offer a cheaper, faster and more convenient option.

Key points: HDFC international wire transfer

• HDFC international transfer charges: ₹500 + 18% GST on the commission amount if you're sending less than the equivalent of USD 500, and ₹1,000 + 18% GST on the commission amount for higher value payments.
• HDFC international transfer exchange rate: An exchange rate markup is likely to apply
• HDFC transfer types: Remit Now payments are made online to 19 currencies, standard transfers are made in branch, to 22 currencies
• HDFC international transfer time: Payments usually arrive in 72 hours
• HDFC international transfer limits: Send up to the RBI annual limits. For Remit Now payments you can send from USD 100 to USD 50,000 per payment

• HDFC international transfer alternatives: Specialist providers like Wise or OFX offer online and in-app payments, with transparent fees and an easy sign up process

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HDFC international money transfer comparison

When you transfer money abroad with HDFC there are a few different costs to consider:

• Transfer fee — this varies depending on the value of the payment you're sending
• Exchange rate markup — a percentage rolled up in the exchange rate
• Correspondent bank fees — paid to other banks involved in processing the payment

To give an idea of how HDFC compares with other payment services, here's what you'd pay if you were sending a standard transfer of 100,000 INR to a GBP denominated account, with HDFC and Wise as an example of a specialist service.

Disclaimer: Price comparison based on Wise's own calculations. We recommend verifying rates independently.

Information correct as of 18th June 2026.*The speed of transaction claims depends on individual circumstances and may not be available for all transactions

One thing worth knowing is that the HDFC fee you see upfront may not be the full cost. The exchange rate markup and any correspondent bank deductions can change the final amount your recipient gets.

HDFC international transfer fees

Here's what you need to know about HDFC international money transfer charges:

Information correct as of 18th June 2026.

HDFC exchange rate

To get the HDFC international transfer exchange rate, and process your transfer, you'll need to check your online banking or visit your local HDFC branch.

It's likely that the HDFC exchange rate you're offered will include a markup on the mid-market exchange rate, which can be in the region of 3% or more.

It's a tricky fee because you can only figure out what it is by comparing the HDFC rate against the mid-market exchange rate yourself.

To give some context, here's how a 3% fee rolled into the exchange rate would add up for different transfer amounts:

• Sending 50,000 INR — a 3% exchange rate markup adds 1,500 INR to the total
• Sending 100,000 INR — a 3% exchange rate markup adds 3,000 INR to the total
• Sending 500,000 INR — a 3% exchange rate markup adds 15,000 INR to the total

Here's a reminder of the total costs, including exchange rate markups, from the providers we looked at earlier. This is what you'll pay with each if you send 100,000 INR to a GBP denominated account:

• HDFC: 1,000 INR + applicable GST + exchange rate markup + correspondent bank fees
• Wise: 1,528.76 INR transfer fee + applicable GST and no markup on the mid-market exchange rate
• OFX: No transfer fee, but a markup is added to the mid-market exchange rate Send money with Wise

HDFC Additional Fees: SWIFT and Correspondent Bank Charges

You may find there are more HDFC outward remittance charges, depending on the specific details of your payment.

HDFC notes in its fee schedule that additional fees may also be charged by correspondent or originating banks. That's because HDFC international transfers are processed using the SWIFT network which involves routing your payment between 1–3 intermediary banks before it reaches its destination. Each bank involved in this process can deduct a service fee, reducing the amount received in the end.

LRS limits and TCS — what to know before you transfer

International transfers from India usually fall under the RBI's Liberalised Remittance Scheme (LRS), which has an annual limit of USD 250,000 per resident individual per financial year.

Tax Collected at Source (TCS) may apply on outward remittances depending on the purpose and total amount, and the rates are subject to change. Here are the live rates applied by HDFC at the time of writing:

Information correct as of 18th June 2026.

We recommend checking the latest TCS rules with a qualified tax professional before you transfer.

How long does an HDFC international money transfer take?

It'll take up to 3 days for your HDFC transfer to arrive. Here's how that compares with some other providers:

• HDFC: up to 3 days
• Wise: 80% of payments arrive in 1 hour*
• OFX: 1–2 business days

*Speed depends on currency route and individual circumstances and may not be available for all transactions.

How to make an international transfer with HDFC

If you're asking can I transfer money from HDFC to international bank accounts, the answer is yes — but the route you use depends on your account type, currency and transfer purpose.

You have 2 options to make an HDFC international transfer from India to a foreign country, depending on your account type and the currency you're sending:

• Standard remittance — more supported currencies, but a branch visit is needed
• Remit Now payment — online service for convenience, but only available for select account types

To make a standard remittance you'll need to visit your local branch. You'll be able to download and print the forms needed ahead of time if you'd like, so you can complete them at home and then take them along to the bank for submission.

You can make a Remit Now payment if you are a Resident Individual with an eligible account with HDFC Bank, a valid mobile number, PAN number and Email ID.

You need to register for this service in advance and add your beneficiaries before you can make a payment. You can send money for 16 reasons, and in 19 currencies. Once you have registered you can take the following steps:

1. Log into online banking and select Add a Beneficiary
2. Complete the required information for your beneficiary — there's then a 30 minute cooling off period before you can transact
3. After 30 minutes, select Funds Transfer
4. Input the amount to be transferred and click to Accept the T&Cs
5. Confirm the details and complete the payment

What information do you need to make an international transfer with HDFC?

The exact information you need to arrange your payment will depend a little on the currency and country you're sending to. You can expect to need:

• Beneficiary full name
• Beneficiary bank account number or IBAN
• Beneficiary bank name and address
• Additional information based on the country — like a sort code for the UK or routing number for the US
• Reason for payment — additional documents may be needed depending on the purpose of the payment

Documents needed for an HDFC branch transfer

If you're visiting an HDFC branch to send a standard remittance, you'll typically need to bring:

• PAN card
• Completed Form A2 (the remittance application form)
• Proof of source of funds documentation — for example, bank statements or salary slips
• Purpose documentation — for example, an invoice for education fees, a travel booking confirmation for leisure transfers, or medical documents for healthcare

Requirements may vary — confirm with your local HDFC branch before visiting.

HDFC international transfer limits

HDFC allows customers to send international transfers up to the limits set by the Reserve Bank of India for outward remittances. At the time of writing that's set at the equivalent of 250,000 USD/year.

HDFC does not advertise specific per payment limits for standard remittances. For Remit Now there are the following limits, as well as the RBI limit:

• Minimum payment — USD 100
• Maximum per payment and per day — USD 50,000

Large amount transfers with HDFC

All HDFC transfers comply with RBI annual payment limits, which currently allow for up to 250,000 USD to be sent overseas from India annually. Remit Now payments have a further limit of 50,000 USD per transfer or per day. HDFC remittance charges remain the same when sending a high value payment over 500 USD.

How to send a high amount transfer with HDFC

You follow the same process to set up a larger transfer with HDFC, whether you're sending a large or small amount. If you would prefer to talk through your payment in person you can visit a branch to do so, with no additional fees to pay.

Need to send a larger transfer?

If you're looking to compare your options for a large transfer from India you may want to look at Wise as an HDFC alternative. With Wise, the minimum you can send is 5,000 INR per transfer.

The maximum you can send is 250,000 USD per financial year (April to March), with a sub limit of 60,000 USD per transfer.

Wise offers an automatic discount on fees when you send over 25,000 USD or equivalent within a month — see wise.com/in/pricing.

HDFC transfer money from India to USA fees

HDFC international transfer fees from India to the USA are:

• ₹500 + 18% GST on the commission amount + a likely exchange rate markup + correspondent bank fees if you're sending less than the equivalent of USD 500
• ₹1,000 + 18% GST on the commission amount + a likely exchange rate markup + correspondent bank fees for higher value payments

It's hard to know the full amount you'll pay for your HDFC transfer in advance because of the potential additional fees on the exchange rate and to correspondent banks.

If you want to reduce the uncertainty, compare your options to transfer money from India to the US before you initiate your payment. As a quick idea, Wise payments on a couple of different payment values would look like this:

Information correct as of 18th June 2026.

HDFC international money transfer charges calculator

HDFC does not offer an international money transfer charges calculator on its public website.

You can check live rates and get a transfer quote by logging into HDFC NetBanking or by visiting a branch.

Alternatively, Wise provides a transparent online calculator at wise.com/in, where you can enter the amount, currency and destination to see all fees upfront before initiating a transfer.

How to find HDFC bank remittance exchange rate today

To find the HDFC bank remittance exchange rate today, log into your online banking service, or call into a bank to ask for face to face support.

HDFC SWIFT Fees: How Correspondent Bank Charges Work

HDFC processes payments through correspondent banks and the SWIFT network. This means that HDFC works with other banks around the world to pass payments through the SWIFT network and ultimately to the final recipient.

Correspondent banks can charge fees for the services they provide, which you may not know about until your recipient gets their money. The fees are simply deducted from the amount you send as the transfer is processed — so your recipient might get less in the end than you expected.

How to track HDFC international transfer

If you have sent a RemitNow payment you may be able to track it in the HDFC app, or by calling the bank. With a standard remittance you may find you have to physically visit a branch to ask questions about your payment or to have it traced.

Currencies and Countries Supported by HDFC International Transfers

You can send an HDFC international money transfer — known as a remittance — in 22 major global currencies:

• UAE Dirham (AED)
• Australian Dollar (AUD)
• Canadian Dollar (CAD)
• Swiss Francs (CHF)
• Singapore Dollar (SGD)
• Japanese Yen (JPY)
• United States Dollar (USD)
• Norwegian Krone (NOK)
• New Zealand Dollar (NZD)
• Omani Rial (OMR)
• Danish Krone (DKK)
• Euro (EUR)
• Great Britain Pound (GBP)
• Hong Kong Dollar (HKD)
• South African Rand (ZAR)
• Saudi Riyal (SAR)
• Swedish Krona (SEK)
• Thai Baht (THB)
• Korean Won (KRW)
• Bahraini Dinar (BHD)
• Kuwaiti Dinar (KWD)
• Qatari Riyal (QAR)

You can send a Remit Now payment online in 19 currencies:

• AED — UAE Dirham
• AUD — Australian Dollar
• CAD — Canadian Dollar
• CHF — Swiss Franc
• DKK — Danish Kroner
• EUR — Euro
• GBP — Pound Sterling
• HKD — Hong Kong Dollar
• JPY — Japanese Yen
• KRW — Korean Won
• NOK — Norwegian Kroner
• NZD — New Zealand Dollar
• OMR — Omani Riyal
• SAR — Saudi Riyal
• SEK — Swedish Krona
• SGD — Singapore Dollar
• THB — Thai Baht
• USD — US Dollar
• ZAR — South African Rand

Alternatives to HDFC international transfer

Compare your payment options with HDFC against alternatives like Wise, OFX, and Remitly. In some cases you may be looking for a service to send money from India to a foreign country — or maybe you need a way to send payments to India from abroad. These providers cover different payment options so you can choose.

Here's a quick summary of how these providers compare:

Information correct as of 18th June 2026. Wise's partner banks in India are registered and supervised by the Reserve Bank of India.

Wise

Send from India to 160+ countries with Wise, using the mid-market exchange rate and low, transparent fees.

People sending money to India can also use Wise, to send money from around the world with low fees and competitive rates.

You can set up your payment online or in the Wise app for convenience, and your funds are deposited to the recipient's bank account — often instantly or within 24 hours.

OFX

OFX is a digital payment provider which lets customers send money to India, often with no transfer fee. Instead, OFX will use a small markup on its transfers.

The exact costs you pay with OFX depend on where the sender is based, but the service is well reputed and quick.

OFX is well known for its 24/7 phone support which can be handy if you prefer to talk through your payment options.

Remitly

Remitly supports payments to India from many countries, often with a wide range of payout methods. You can arrange to have your money received by cash pickup, bank deposit, and UPI in most cases.

This makes Remitly a good choice if you're in a hurry to get money to someone without easy access to a bank.

Remitly has variable transfer fees and delivery times depending on the detail of your payment.

Pros and cons of transferring money abroad with HDFC

Before you choose HDFC to send your international transfer, take a look at specialist online services like Wise. Specialist providers can usually offer an easy online or app-based service, with a wide range of supported currencies.

HDFC remittance customer support

To get help from HDFC you can visit a branch, or you can call the service center on 1800 1600 or 1800 2600.

How to receive an international transfer with HDFC

You can have someone send you money to your HDFC account easily in 22 currencies — the same currencies that are available for standard outward remittances with HDFC. For standard remittance services the person sending you money, including an NRI, would simply use their local bank overseas to wire a payment to your account.

To receive an international payment into your HDFC account, give the sender:

• Your full name
• Your bank account number
• The HDFC SWIFT code

There's no HDFC fee to receive an inward remittance.

In some countries, HDFC also has partnerships with organisations which can help NRIs sending money home. These partner providers offer the sender different ways to process the payment to India, including sending payments by demand draft. If you have an NRI account with HDFC you can learn more about these services online or call the bank to talk about your options from your specific country.

HDFC international transfer receiving fees

There are no HDFC inward remittance charges. If someone sends you a payment from overseas to HDFC it is deposited to your account with no further fee from HDFC.

HDFC SWIFT code

To make sure your payment arrives without delays, give the sender the HDFC SWIFT code for your specific branch and for the transfer type. You'll be able to check the full details required by calling into your local HDFC branch.

The general HDFC SWIFT/BIC code is: HDFCINBBXXX.

Is HDFC International Money Transfer Right for You?

Whether or not you can send a Remit Now payment digitally will come down to the currency you want to send, and the type of HDFC account you have. For some currencies and some payment reasons — and for some specific types of account — HDFC international money transfers can only be set up by visiting a branch in person. That's not necessarily convenient, and you may also find the costs are higher than using a specialist service.

Instead of making your payment with HDFC, check out specialist providers like Wise or OFX, which offer online and app-based payments, with transparent fees and an easy sign up process.

Conclusion

Whether or not you can send a Remit Now payment digitally will come down to the currency you want to send, and the type of HDFC account you have. F

or some currencies and some payment reasons - and for some specific types of account, HDFC international money transfers can only be set up by visiting a branch in person. That's not necessarily convenient - and you may also find the costs are higher than using a specialist service.

Instead of making your payment with HDFC, check out specialist providers like Wise or OFX, which offer online and in-app payments, with transparent fees and an easy sign up process.

Sources

• HDFC Bank Remittance Fees & Charges
• HDFC Bank RemitNow
• HDFC Bank Remittance
• Reserve Bank of India — Liberalised Remittance Scheme FAQ
• Income Tax India — TCS information
• Wise India Pricing