Wise Limits in India 2025
Wise allows customers in India to send money globally to over 40 countries for less and without any hidden fees.
If you're new to Wise, and wondering how you can use their services, it's helpful to know about some of the Wise transfer limits that are in place to help keep customers and their money safe.
This guide walks through all you need to know about Wise transfer limits for both individual and business customers.
Quick summary
Wise money transfers are subject to some limits which vary by currency and depending on how you want to pay
Wise uses fairly high limits, and offers a service which is safe for holding and sending even large amounts
Key points: Wise limits in India
If you are sending to INR:
If you and the recipient are private individuals: Up to 100 million INR
If you are sending to an IMPS recipient: Up to 500,000 INR instantly
If you are sending to a UPI recipient: Up to 200,000 INR instantly
If you or the recipient are a business: Up to 1.5 million INR per working day.
If you are sending from INR:
Wise minimum transfer amount: 5,000 INR per transfer
Wise maximum transfer amount: For educational purposes you can send up to 9,900 USD (or its currency equivalent). For all other purposes you can send up to 375,000 INR per transfer with a maximum transfer amount of 750,000 per day.
Wise annual transfer amount: Up to 250,000 USD (approximately 21,000,000 INR) per financial year.
Does Wise have limits?
Yes. Wise has some limits in place, and there are limits on how much you can send.
Wise limits are set to help keep customers and their accounts safe. Generally they're pretty high, but if you need to make a big purchase, or send a very high payment it's worth double checking which limits apply to your Wise account for that specific transaction type.
Overall, the limits used for account transactions and transfers is part of the way that Wise ensures it is safe for customers to hold, send and spend even large amounts.
Wise transfer limits
Wise money transfer limits can vary depending on the currency you're sending from and to and how you choose to pay. If you're ever unsure of the limit which applies to your account, you'll be able to check it in the Wise app, or reach out to the Wise customer support team for more detailed information.
Transfer limits may vary by currency
The maximum transfer limit also depends on the currency you're sending to and from and how you pay. These limits ensure that transfers comply with local regulations while still allowing you to send large amounts. Here's a quick look at the maximum Wise sending limits for popular currencies:
| Currency you're sending to | Wise maximum transfer limit |
|---|---|
| INR | Up to 100 million INR if you and the recipient are private individuals Up to 500,000 INR instantly if you are sending to an IMPS recipient Up to 200,000 INR instantly if you are sending to a UPI recipient Up to 1.5 million INR per working day if you or the recipient are a business |
| USD | Up to 1 million USD for local transfer Up to 1.6 million USD for SWIFT transfer |
| AUS | Up to 1.5 million AUD |
| GBP | Up to 1 million GBP |
| EUR | Up to 6 million EUR |
| CAD | Up to 1.5 million CAD by online bill payment and wire transfer |
Information correct at time of writing 14th March 2025
How much does it cost to send large transfers with Wise?
Wise offers discounted rates for high-value transfers, making it even more affordable to move large sums of money internationally. If you send over £20,000 (approximately 2,250,610.00 INR or the equivalent in other currencies) within a calendar month, you'll automatically receive a discounted rate.
This discount applies when you convert between two currencies, like INR to GBP or INR to USD, regardless of how many different currencies you're sending to or from. However, transfers within the same currency, like INR to INR, won't count toward the discounted rates.
Basically, the more you send, the bigger your discount. Here's how it works:
| Transfer value (in GBP or equivalent currency) | Discount (%) |
|---|---|
| 0–20k GBP (approximately 2,250,610 INR) | No discount |
20k–300k GBP (approximately 2,250,610.00 INR - 33,759,150 INR) | 0.1 |
300k–500k GBP (approximately 33,759,150.00 INR - 56,265,250 INR) | 0.15 |
| 500k–1m GBP (approximately 56,265,250.00 INR - 112,530,500 INR) | 0.16 |
| 1m+ GBP (approximately 112,530,500 INR) | 0.17 |
Information correct at time of writing 14th March 2025
Wise receiving limits in India
If you're using a Wise Business account in India to receive payments, there are a few limits you'll need to keep in mind. Here's a quick breakdown of Wise receiving limits:
| Minimum amount | Maximum amount | |
|---|---|---|
| Receiving payments | 5 USD (approximately 434,74 INR) or the equivalent per transaction. | 10,000 USD (approximately 869 484,00 INR)or the equivalent per transaction. |
Wise transfer limit to India
Sending money to India? Wise lets you transfer INR to bank accounts, NRE and NRO accounts, and UPI IDs with clear limits depending on your transfer type. These limits help ensure transfers comply with local regulations while still allowing you to send large amounts when needed.
| Recipient type | Maximum transfer limit |
|---|---|
| Private individual | Up to 100 million INR per transfer |
| IMPS recipient | Up to 500,000 INR instantly |
| UPI recipient | Up to 200,000 INR instantly |
| Business recipient | Up to 1.5 million INR per working day |
Wise Business limits
Wise business customers can get account details in 8 foreign currencies for free, including USD, EUR and AUD.
Any payments received will then automatically get converted into INR at the mid-market exchange rate and transferred to your Indian bank account.
Wise receiving limits for business customers include:
A maximum of 10,000 USD (approximately 869 484,00 INR)or the equivalent per transaction.
The minimum you can receive is 5 USD (approximately 434,74 INR) or the equivalent per transaction.
Any amounts that are transferred that aren't within these limits will be automatically returned to the sender.
Conclusion: Does Wise have sending limits in India?
Wise has some limits in place, which can vary depending on the currency involved and the transaction type. Customers can send up to 100 million INR if you and the recipient are private individuals or up to 1.5 million INR per working day if you or the recipient are a business. The annual transfer amount is up to 250,000 USD (approximately 21,000,000 INR) per financial year.
Wise also offers discounted rates for high-value transfers, with discounts automatically applying when sending over £20,000 (approximately 2,250,610.00 INR or the equivalent in other currencies) within a calendar month.
*Limits may change from time to time, you may want to double check the details which apply to your specific transaction on the Wise website or in the Wise app.