What Are Winvesta Fees in India in 2026?

Winvesta fees for Indian users, as published on Winvesta's own pricing pages and checked on 30 Sept 2026.

Winvesta charges through a receiving fee, an FX markup on conversion and, in some cases, payout or fixed fees.

• Transaction fee: Per currency, by monthly volume: up to 2,000 a month 0.99% + fixed fee (USD 3, EUR 5, GBP 5, AUD 10, SGD 10); 2,000 to 100,000 a month custom; above 100,000 a month flat 0.2%; 18% GST on fees for non-JPMC accounts per the charges FAQ, applied only to non-USD fees in the product-page calculator
• FX markup: Product page states '0% forex markup' and 'ZERO FX on USD'; the applied FX rate and booking time are shown after withdrawal; non-USD markup Not confirmed
• Withdrawal fee: Funds are withdrawn to the user's Indian bank account in INR. USD reaches the bank 1 business day after processing and EUR or GBP 2 business days after, with a 1:00 PM IST cut-off. A separate fee for standard withdrawals is Not confirmed; priority processing for USD typically costs an additional $15-25.
• GST: Not stated in one place. The charges FAQ states 18% GST will be levied on Winvesta fees for every non-JPMC account and does not explain which accounts are JPMC accounts. The fee calculator on the multi-currency account page (script) applies GST at 18% of the payment fee only for non-USD currencies and shows no GST for USD. A Winvesta blog post dated 12 January 2026 says 'No extra GST charges apply to your transactions'. For card collections, GST applies only to the MDR fee.

Calculation basis: Not modelled. The charges FAQ prices by monthly collection volume in each currency, not by invoice size: 0.99% plus a fixed fee per transaction (USD 3 for USD) up to 2,000 a month, custom pricing from 2,000 to 100,000 a month, and a flat 0.2% above 100,000 a month, so a single invoice cannot be priced without knowing monthly volume, and the middle tier is unpublished. This was still the case on 7 October 2026 and is the main reason no model is set. GST is clearer than before but is still not stated in one place: the charges FAQ says 18% GST is levied on Winvesta fees for every non-JPMC account without saying which accounts are JPMC accounts; the fee calculator on the product page (script) adds 'GST (18% of payment fee converted to INR)' only when the currency is not USD and adds no GST for USD; and Winvesta's blog pages, including a 12 January 2026 post, carry the line 'No FX markups. No GST.' Read together these point to no GST on USD fees, but no Winvesta page states that USD accounts are the JPMC accounts. FX is stated only as headlines ('0% forex markup', 'ZERO FX on USD'); the calculator converts the net amount at the rate it fetches for the currency pair with no markup applied, and the applied rate is shown after the withdrawal. A markup for non-USD currencies is not published.

Winvesta's fee depends on how your client pays. Methods not listed are not supported or not published for Indian users.

Published FX markup: Product page states '0% forex markup' and 'ZERO FX on USD'; the applied FX rate and booking time are shown after withdrawal; non-USD markup Not confirmed. The markup is the difference between the mid-market rate and the rate Winvesta applies when converting to INR.

Not stated in one place. The charges FAQ states 18% GST will be levied on Winvesta fees for every non-JPMC account and does not explain which accounts are JPMC accounts. The fee calculator on the multi-currency account page (script) applies GST at 18% of the payment fee only for non-USD currencies and shows no GST for USD. A Winvesta blog post dated 12 January 2026 says 'No extra GST charges apply to your transactions'. For card collections, GST applies only to the MDR fee.

The table shows each charge line by line at the XE mid-market rate for 4 Nov 2026.

• Account opening, set-up or maintenance: None stated: a Winvesta blog post (12 January 2026) says there are no fees for signing up, maintaining the account or receiving wire transfers
• Minimum balance: None
• Priority withdrawal processing: USD typically $15-25 extra; non-USD varies
• e-FIRA: Free
• Other standard-plan currencies: AED 30, AUD 10, CHF 10, CZK 140, DKK 45, HKD 50, NOK 65, PLN 25, SEK 70 or SGD 10 + 0.99% per transaction; unlisted currencies equivalent of USD 5 + 0.99%; the product-page calculator uses CAD 7 + 0.99% for CAD, which the charges FAQ does not list

• Payment method: Ask clients to pay by local bank transfer to your account details, which usually costs less than cards, wallets or Swift wires.
• Invoice size: Where a platform charges a flat fee per payment, fewer and larger invoices lower the cost as a share of revenue.
• Conversion: Compare the rate offered with the mid-market rate on the day, because the FX markup is often the larger cost.
• GST: Keep the platform's tax invoices, since GST paid on fees may be claimable as input tax credit if you are GST registered.

Platforms are ranked by the INR received on a $5,000 invoice, with Winvesta included.

Fees were checked on Winvesta's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026. The formula is on the methodology page.

1. Winvesta FAQ: What are the charges for the global collections account?, Up to 2,000 a month: 0.99% + a small fixed fee; 2,000-100,000 a month: custom pricing; above 100,000 a month: flat 0.2%; USD Collections: $3 + 0.99%; 18% GST will be levied on Winvesta fees for every non-JPMC account (checked 7 Oct 2026)
2. Winvesta Multi-Currency Business Account, Receive international payments at 0% forex markup; ZERO FX on USD; embeds a fee calculator: 'Payment fee @ 0.99% + $3.00'; 'GST (18% of payment fee converted to INR)' (checked 7 Oct 2026)
3. Winvesta FAQ: How is Winvesta regulated? (checked 6 Oct 2026)
4. Winvesta FAQ: Is Winvesta compliant with India's regulations? (checked 6 Oct 2026)
5. Winvesta FAQ: How long does it take for funds to reach my Indian bank account? (checked 6 Oct 2026)
6. Winvesta FAQ: When will I receive my e-FIRA certificate? (checked 6 Oct 2026)
7. Winvesta FAQ: When will I get my Free FIRA? (checked 6 Oct 2026)
8. Winvesta FAQ: How do I receive USD? (checked 6 Oct 2026)
9. Winvesta FAQ: What are the transaction limits on my account? (checked 6 Oct 2026)
10. Winvesta FAQ: What is the maximum time I can keep funds in my GCA? (checked 6 Oct 2026)
11. Winvesta FAQ: Can I get priority processing for my withdrawal? (checked 6 Oct 2026)
12. Winvesta FAQ: How is GST applied? (checked 6 Oct 2026)
13. Winvesta FAQ: What documents do I need for KYC? (checked 6 Oct 2026)
14. Winvesta FAQ: Documents to open a global collection account as a freelancer (checked 6 Oct 2026)
15. Winvesta FAQ: Documents to open a global collections account as a business owner (checked 6 Oct 2026)
16. Winvesta FAQ: Is there any minimum account balance that I need to maintain? (checked 6 Oct 2026)
17. Winvesta FAQ: What currencies are available with local accounts? (checked 6 Oct 2026)
18. Winvesta blog: PayPal vs Winvesta (12 January 2026), Withdrawal fees stand at $3 plus 0.99% of the amount; zero FX markup on USD conversions; No extra GST charges apply to your transactions; no fees for signing up, maintaining your account, or receiving wire transfers; page banner 'No FX markups. No GST. Funds in 1 day.' (checked 7 Oct 2026)
19. Winvesta FAQ: How can I view the FX rate for the conversion of my funds?, Once your withdrawal is complete, you can see the FX rate used and the exact time it was applied (checked 7 Oct 2026)
20. Winvesta multi-currency account fee calculator script, fixed fees USD 3, EUR 5, GBP 5, AED 30, AUD 10, CAD 7, CHF 10, CZK 140, DKK 45, HKD 50, NOK 65, PLN 25, SEK 70, SGD 10; fee = amount x 0.99% + fixed fee; GST = 0.18 x fee when currency is not USD, otherwise 0 (checked 7 Oct 2026)