How Do You Receive Money from Australia to India in 2026?

Australian clients pay locally through the New Payments Platform, including PayID, and through BECS direct entry using a BSB and account number. Both rails move money between accounts in Australia. To pay an Indian bank account directly, the client must send an international transfer through its bank instead.

• Rails: The NPP gives near real-time payments 24/7 between Australian accounts. BECS direct entry, run under AusPayNet, carries internet banking transfers and direct credits up to $100 million.
• Client enters: For local details, the client enters your account name, the BSB and the account number, or a PayID. AusPayNet administers the BSB system. For a wire, the client enters your name, address, bank, SWIFT code and account number.
• Client cost: Australian banks set their own fees for international transfers. The client should check its bank's fee schedule and say whether it will pay the sending and intermediary charges.
• Speed: The RBA describes the NPP as giving near real-time funds availability at any hour. An international wire depends on the banks involved and any intermediaries.
• Cross-border limits: NPP and PayID connect accounts in Australia only. The NPP's international service covers just the domestic leg of inbound payments, so a client cannot use PayID to pay an Indian account.

The table ranks platforms with full published pricing for AUD by the INR received on AUD 5,000, then lists other business platforms that accept AUD, unranked. Fees were checked on 30 Sept 2026 or later.

You receive less than the AUD to INR rate shown online because banks and providers convert at their own rate, which sits below the mid-market rate. Fees and intermediary deductions reduce the amount further. For example, at an example mid-market rate of 58.00 and a bank rate of 57.30, an AUD 2,000 invoice loses ₹1,400 to the margin alone.

Each row applies the platform's published fee, FX markup and 18% GST on the fee to the mid-market rate of ₹66.31 per AUD for 4 Nov 2026.

• Total cost: Add the fixed fee, the percentage fee and the conversion margin, and compare the rupees credited for the same AUD invoice on the same day.
• Local rail coverage: Check whether the local details accept both NPP and direct entry payments. AusPayNet is managing a long-term transition away from BECS and removed its June 2030 end date in December 2025.
• Settlement speed: Look at the full time from the client's payment to rupees in your account, including conversion and any payout cycle.
• FIRA: Confirm that each payment comes with an inward remittance advice or e-FIRA that shows the purpose code, the foreign amount and the rate applied.
• Client experience: A domestic transfer with BSB details is familiar to Australian businesses. A wire asks the client to enter SWIFT details and may cost them a fee.
• Support: Check how you can trace a missing payment, fix a wrong reference or get a returned transfer re-sent, and how quickly support responds.

Money from an Australian client for services is an export receipt, so Indian export rules apply. From 1 October 2026 the FEMA Export and Import Regulations 2026 require an EDF and realisation within nine months. Each receipt also needs the right purpose code and an inward remittance record from the bank.

• FIRA or e-FIRA: FIRA is not a term defined in FEMA. Banks issue an inward remittance advice or FIRC, and exporters can generate a self-certified e-BRC on the DGFT platform from inward remittance data sent by banks.
• Purpose code: Software work usually takes P0802, described in RBI purpose codes as "Software consultancy/implementation (other than those covered in SOFTEX form)". Consulting may take P1006, "Business and management consultancy and public relations services".
• EDF: Service exporters file the EDF within 30 days from the end of the invoice month under Regulation 3(2). Goods exporters file it at the time of export. A.P. (DIR Series) Circular No. 20 supersedes the SOFTEX circulars from 1 October 2026.
• EDPMS: Banks track export entries in EDPMS. Under Regulation 4, an invoice up to ₹10 lakh can be closed on the exporter's declaration, also in quarterly bulk.
• Realisation: Export value must be realised within nine months of the invoice date, or twelve months if invoiced or settled in rupees. Your AD bank may extend this.
• PA-CB fund safety: A cross-border payment aggregator must hold collections in an Inward Collection Account with an AD Category-I bank, with a separate account for each foreign currency.

Services paid for by an Australian client can be a zero-rated export under IGST section 16, so file an LUT to invoice without IGST. The income is taxable in India under the Income-tax Act 2025. The India-Australia tax agreement decides whether Australia can also tax it.

• GST zero-rating: A supply meeting the five conditions in IGST section 2(6) is an export of services. With an LUT in FORM GST RFD-11 under Rule 96A, you invoice without IGST.
• GST on fees: Fees charged by an Indian bank or provider carry GST. For currency conversion, CGST Rule 32(2) sets the taxable value from the rate gap or a slab of the amount exchanged.
• Income tax: The Income-tax Act 2025 applies from Tax Year 2026-27. The presumptive schemes in old sections 44AD, 44ADA and 44AE now sit together in section 58. Earlier years stay under the 1961 Act.
• India-Australia DTAA: Under Article 7 of the 1991 agreement, business profits are taxed only in India unless you have a permanent establishment in Australia. Article 14 covers individual professionals. Article 12 lets Australia withhold up to 10% or 15% on royalties.
• Technical services: Article 12(3)(g) counts some services that make available technical knowledge as royalties, but 12(3)(l) excludes professional services by an individual or non-company firm. Section 11J of Australia's International Tax Agreements Act 1953 stops the agreement from subjecting 12(3)(g) payments to Australian tax where they are not royalties under Australian law and would not otherwise be taxed there.
• Client forms: If you do not quote an ABN, an Australian payer may apply 47% no-ABN withholding. A supplier not carrying on an enterprise in Australia can give a Statement by a supplier to justify no withholding. A GST-registered client gives its ABN and GST status.

Rules and rails are linked to official sources below with the dates they were checked. Platform figures come from each platform's own pages, checked on 30 Sept 2026 or later, and RBI authorisation was checked against RBI's published list. Rates are XE live mid-market rates, dated 4 Nov 2026. The method is on the methodology page.

1. RBI: Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026 (Notification No. FEMA 23(R)/2026-RB), Reg 3(1) EDF for goods at the time of export; Reg 3(2) EDF for services within 30 days from the end of the invoice month, single EDF per month; Reg 4 proviso: invoices up to ₹10 lakh closed in EDPMS on exporter declaration, also quarterly; Reg 5(1) realisation, with a longer period where invoiced or settled in INR; Reg 18(2) FETERS reporting. (checked 8 Oct 2026)
2. RBI: FEMA (Export and Import of Goods and Services) (Amendment) Regulations, 2026, In regulation 5(1), 'fifteen months' replaced by 'nine months' and, in the first proviso, 'eighteen months' by 'twelve months', in force from October 01, 2026. (checked 8 Oct 2026)
3. RBI: A.P. (DIR Series) Circular No. 20 dated 16 January 2026, Para 4: Master Direction on Export of Goods and Services and circulars listed in the Annex, including SOFTEX circulars, stand superseded; para 7: in force from October 01, 2026. (checked 8 Oct 2026)
4. RBI: Foreign Exchange Management (Manner of Receipt and Payment) Regulations, 2023, Regulation 3(2)(I)(a)(iii): for trade with countries other than ACU members, receipt may be in Indian Rupees or any foreign currency, through an Authorised Bank or Authorised Person. (checked 8 Oct 2026)
5. RBI: Master Direction on Regulation of Payment Aggregators, Para 11(d): maximum value per inward or outward PA-CB transaction is ₹25 lakh; para 16(a) and Table 1: Inward Collection Account with an AD Category-I SCB, separate account for INR and each non-INR currency; definition note: a card transaction where FX settlement is facilitated by a card network and the aggregator receives local currency is not PA-CB activity. (checked 8 Oct 2026)
6. RBI A.P. (DIR Series) Circular No. 84 (2012), FETERS purpose codes for receipts, P0802 Software consultancy/implementation (other than those covered in SOFTEX form); P1006 Business and management consultancy and public relations services. (checked 8 Oct 2026)
7. RBI: Master Direction on Money Transfer Service Scheme, Para 3.4(a): only cross-border personal remittances such as family maintenance; trade related remittances and credits to NRE accounts not allowed; 3.4(b): cap of USD 2500 per remittance; 3.4(c): 30 remittances per beneficiary per calendar year. (checked 8 Oct 2026)
8. RBI: Master Direction on Deposits and Accounts (EEFC account), Up to 100% of foreign exchange earnings may be credited to an EEFC account; no interest; accruals of a month converted by the last day of the following month after approved uses or forward commitments. (checked 8 Oct 2026)
9. CBIC: IGST Act 2017, section 2, Section 2(6): five conditions for export of services. (checked 8 Oct 2026)
10. CBIC: IGST Act 2017, section 16 (zero rated supply), Section 16(1)(a) export of goods or services is zero rated; 16(3) supply under bond or LUT without payment of IGST. (checked 8 Oct 2026)
11. CBIC: CGST Rules 2017, Rule 96A, Rule 96A(1): export of services under bond or Letter of Undertaking in FORM GST RFD-11 without payment of integrated tax. (checked 8 Oct 2026)
12. CBIC: CGST Rules 2017, Rule 32, Rule 32(2): value of supply of services in relation to purchase or sale of foreign currency, from the rate difference against the RBI reference rate or, at the supplier's option, by slabs of the gross amount exchanged. (checked 8 Oct 2026)
13. Income Tax Department: FAQs on objective and scope of the Income Tax Act, 2025, FAQ 25: presumptive schemes under sections 44AD, 44ADA and 44AE consolidated into section 58; Tax Year concept applies from 01 April 2026 (Tax Year 2026-27); the 1961 Act continues to govern tax years beginning before 1 April 2026. (checked 8 Oct 2026)
14. DGFT: Self-Certified eBRC Generation Guidelines v1.0, Self-certified e-BRC generated by the exporter on the DGFT platform using IRM (inward remittance) data shared by banks; for Services > IT only P0802, P0803, P0807 and P0103 apply. (checked 8 Oct 2026)
15. ATO Legal Database: Synthesised text of the MLI and the Agreement between Australia and India (1991, as amended 2011), Article 5(3)(a) services PE over 183 days in 12 months; Article 7(1) business profits taxable only in the State of residence unless carried on through a PE; Article 12(2) royalty withholding caps of 10% (equipment) and 15% (other, after first 5 years); Article 12(3)(g) services that make available technical knowledge; Article 14 independent personal services taxable only in the residence State unless a fixed base or 183 days. Article 12(3)(l): royalties exclude payments to an individual or firm of individuals (other than a company) for professional services as defined in Article 14. The ATO states the synthesised text does not constitute a source of law. (checked 8 Oct 2026)
16. Federal Register of Legislation: International Tax Agreements Act 1953, Compilation No. 46 (27 March 2026). Section 11J: the Indian agreement does not subject to Australian tax payments for services covered by paragraph 12(3)(g) to the extent they are not royalties within the meaning of the Income Tax Assessment Act 1936 and would, apart from 12(3)(g) and Article 23, not be subject to Australian tax. (checked 8 Oct 2026)
17. ATO: How Australian GST works (non-resident businesses), GST rate 10%; non-resident must register if GST turnover from sales connected with Australia is A$75,000 or more; GST turnover excludes sales of imported services to Australian GST-registered businesses; identify GST-registered customers by their ABN and a statement that they are registered. (checked 8 Oct 2026)
18. ATO: Statement by a supplier not quoting an ABN, Payers must withhold 47% unless the supplier quotes an ABN or an exception applies; a supplier not carrying on an enterprise in Australia can complete a Statement by a supplier. (checked 8 Oct 2026)
19. Australian Payments Plus: New Payments Platform (NPP), Payments 24/7 between bank accounts in Australia; PayID uses a mobile number, email, ABN or organisation identifier; International Payments Service covers the domestic leg of inbound international payments. (checked 8 Oct 2026)
20. RBA: The New Payments Platform, Open access infrastructure for fast payments in Australia, launched February 2018, with near real-time funds availability to the recipient on a 24/7 basis. (checked 8 Oct 2026)
21. AusPayNet: Direct Entry (BECS), BECS is used for internet banking transactions and direct debits and credits; generally for smaller day-to-day payments but available for payments up to $100 million. (checked 8 Oct 2026)
22. AusPayNet: BSB system, AusPayNet administers the Bank-State-Branch (BSB) System for financial institutions in Australia; directory updated on the first business day of each month. (checked 8 Oct 2026)
23. AusPayNet: The Future of A2A Payments Program (BECS transition), AusPayNet manages the long-term transition from BECS; in December 2025 it removed the June 2030 target end-date for the BECS Framework. (checked 8 Oct 2026)
24. Skydo homepage (pricing and fee calculator), Know what you pay; calculator showing GST 18% of transaction fee (checked 6 Oct 2026)
25. Razorpay MoneySaver Export Account (International Bank Transfers) pricing, Standard Plan: 0% FX markup, 1% fee, FlashLinks 2%, GST applicable, flat fee of INR 1,000 on transactions below INR 1,00,000, setup and AMC INR 0 (checked 6 Oct 2026)
26. Stripe India pricing, International cards with USD/other currency presentment 4.3% + 2% if currency conversion is required; Mastercard and Visa cards issued outside India 3% + 2%; American Express outside India 3.5% + 2%; dispute received INR 1,000.00 (checked 7 Oct 2026)
27. HDFC Bank: Remittance Services Fees & Charges, Inward Remittance Charge: No Charge; FIRC Charge for Inward Remittance & FCY Cheque Collection INR 200 per FIRC; GST slabs on amount of currency exchanged (checked 6 Oct 2026)
28. Kotak Everyday Savings Account fees and charges, Foreign Inward Remittance certificate (Branch Request) INR 100/Request; GST on Foreign Currency Conversion; fees exclusive of GST (checked 6 Oct 2026)
29. PayPal India Merchant Fees, Receiving international transactions; Currency Conversions (3.0% converting balance and payments received; 4.00% all other cases); Withdrawals Out of PayPal; Dispute Fees; Other Fees (Last Updated 28 March 2024) (checked 6 Oct 2026)
30. Wise India: Fees for receiving money (Business), Conversion fee depends on the currency; eFIRC for every transfer; GST 18% of (conversion fee + eFIRC fee); calculator (checked 6 Oct 2026)
31. Airwallex Help: Eligible Countries and Territories, INDIA IN - AWX Legal Entity SINGAPORE (checked 7 Oct 2026)