Send Money to India from Singapore/Hong Kong/Australia/UK/Europe – Zero Fees

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A Smarter Way to Send Money to India

RemitFIRST2India is a secure, fully digital platform created for NRIs who want to stay closely connected to home. Whether you’re supporting your family, managing your finances in India, or transferring funds to your own NRE/NRO account, RemitFIRST2India makes every transaction quick, convenient, and completely paper‑free.

For IDFC FIRST Bank NRE/NRO account holders in the UK and Europe, the experience is even more seamless. You can now add funds directly from your UK or EU bank accounts to your IDFC FIRST Bank NRE/NRO account using IDFC FIRST Mobile Banking App, giving you greater control, speed, and peace of mind.

And for NRIs in Singapore, Hong Kong, and Australia, RemitFIRST2India enables easy transfers directly to any Indian savings account for permitted personal purposes, ensuring your money reaches your loved ones and commitments in India effortlessly, across borders. Read more

Benefits of RemitFIRST2India for Money Transfer to India

No Sign-Up Needed

If you’re already an NRI customer with IDFC FIRST Bank, you can get started right away, without any extra registration processes.

Exchange Rate, Locked & Guaranteed*

We give you a fixed rate for up to 24 hours once you book the transaction. No surprises.

Zero Fees

We do not charge any onboarding or transaction charges. It’s that simple.

Easy Access

Just log in using your regular IDFC FIRST Bank internet banking credentials.
For UK and Europe, available only on Mobile Banking App & RemitFIRST2India is available on Mobile Banking and Internet Banking.

NRE Account Auto-Linked

If you have an NRE Savings Account with us, we’ll add it automatically as the receiving account, no extra steps required.

Fast Setup, Faster Transfers

Complete your onboarding quickly and book transactions instantly.

100% Online Process

Everything, from start to finish, can be done from your laptop or smartphone.

Track in Real Time

Stay updated every step of the way with live transaction tracking.

No Sender Verification Required*

For customers sending money from UK and Europe to their IDFC FIRST Bank NRE/NRO account.

How to Send Money to India

from United Kingdom or Europe
from Singapore, Hong Kong or Australia

Once your payment is confirmed, the funds will be converted and credited directly to your NRI account in India.

1

Login or Sign Up

Login to your IDFC FIRST MB App and Click on Cross Border Add Funds
2

Fill in Transfer details

Enter the Amount > Review the Transfer details including exchange rate and applicable fees
3

Send Funds

Make the payment from your local bank account in the UK or Europe.

Once your payment is received and verified, we’ll transfer the equivalent amount in INR to the recipient’s account in India.

1

Login or Sign Up

Visit our RemitFIRST2India portal. If you’re a new customer, just register with a few basic details.
2

Fill in the Transfer Details

Add who you’re sending money to, how much, and their bank account details in India.
3

Send Funds Locally

Make a local transfer to our licensed partner in Singapore, Hong Kong or Australia using the provided bank details.

How to Send Money to India from UK, Europe, Singapore, Hong Kong and Australia

When it comes to sending money to India, there are a few options available, but not all are created equal. Here’s how they compare, and why RemitFIRST2India from IDFC FIRST Bank stands out.

Traditional Bank or Wire Transfers (SWIFT)

Wire transfers use the global SWIFT network to move money between banks. While they’re a well-established method, they often come with high fees, variable exchange rates, and longer processing times. Plus, the process can be paperwork-heavy and not always transparent.

Online Money Transfer Services

Online transfer agencies offer more convenience, allowing you to send money from your computer or phone. They’re generally faster and cheaper than wire transfers, but fees can still vary depending on the provider, and service levels can be inconsistent.

International Money Orders

This old-school method is still in use for those without access to digital platforms. While secure, money orders take time to process, require physical handling, and may involve trips to cashing centers or banks, making them less practical today.

Not Offered by IDFC FIRST Bank.

Foreign Currency Cheques or Demand Drafts

Demand drafts and cheques in foreign currency are another traditional method. However, they can take several days or even weeks to clear, and typically involve manual submission and handling charges.

Not Offered by IDFC FIRST Bank.

Criteria	Transfer Bank / Wire Transfers	IDFC FIRST Bank online transfer	International Money Order	Foreign Currency Cheques / Demand Drafts
Speed	~48 hours	Within minutes to a few hours	3-5 days	Up to 7 days
Cost	Moderate to High (bank fees + FX margin)	Low to Moderate (transfer fee + small FX margin)	Low (postal/bank fee)	Moderate (issuance + clearing charges)
Physical or Digital	Physical	Digital	Physical	Physical
Availability	Banking hours	24×7	Banking hours	Banking hours
Best in Which Scenario	Sending large amounts (>$1 mn) safely with bank support	Fast, low-cost transfers for personal remittances	When the recipient lacks a bank account / needs a physical instrument	When a guaranteed, prepaid payment is required for education, visa, or official purposes
Available with IDFC FIRST Bank	Yes	Yes	No	No

Note: IDFC FIRST Bank does not offer International money orders and Foreign Currency Cheques or Demand Drafts facility.

Why RemitFIRST2India is the Better Way

RemitFIRST2India is a modern, digital-first remittance solution from IDFC FIRST Bank, built for today’s NRIs in Singapore, Hong Kong, and Australia.

100% Online – No paperwork, no visits, no hassle

Zero Transaction Fees – Send money without paying extra

Bank-Level Security – Backed by the trust of IDFC FIRST Bank

Guaranteed Exchange Rate* – Lock in your rate for 24 hours

Faster Transfers – Local fund transfers that move quickly

Tailored for NRIs – Designed to meet your needs seamlessly

Fees & Charges

You pay exactly what you send; no hidden costs, no surprises.

Onboarding Fee: ₹0

Transaction Fee: ₹0

Correspondent Bank Charges: ₹0

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FAQs related to UK and Europe region

What is the Cross Border Add Funds service?

The Cross Border Add Funds service allows eligible IDFC FIRST Bank NRE and NRO customers based in the UK or Europe to add money to their IDFC FIRST Bank accounts using a secure and regulated Open Banking payment process.

Customers can transfer funds directly from their own overseas bank account to their NRE or NRO account in India without using traditional wire transfers or physically visiting a branch. The journey is fully digital, fast, and designed for self-to-self transfers, ensuring convenience, transparency, and security.

Who can use the Cross Border Add Funds service?

The Cross Border Add Funds service can be used only by existing IDFC FIRST Bank NRE or NRO customers who are residents of the UK or Europe and hold a bank account in those regions.

The service supports self-to-self transfers only, which means:

• The overseas bank account used to add funds must be in the same name as the IDFC FIRST Bank NRE or NRO account holder

• Thirdparty transfers or payments from someone else’s bank account are not permitted

Which accounts can I add money to?

You can add funds only to your own IDFC FIRST Bank NRE or NRO account using the Cross Border Add Funds service.

Only your eligible NRE and/or NRO accounts with IDFC FIRST Bank will be displayed for selection to ensure that all transfers remain self-to-self. Other account types, joint accounts where you are not the primary holder, or thirdparty accounts will not be shown and cannot be funded using this service.

What is the minimum amount I can transfer?

Are there any charges for using the Cross Border Add Funds service?

How does the foreign exchange (FX) rate work?

Will I know the exact amount I will receive?

How do I make the payment?

How quickly will the money reach my IDFC FIRST Bank account?

Why was my Cross Border Add Funds transaction rejected?

What happens if my Cross Border Add Funds transaction fails?

Why do I see another company’s name on my IDFC FIRST Bank NRE/NRO account statement?

Is the Cross Border Add Funds service secure?

What information do I need to use the Cross Border Add Funds service?

Can I send money to someone else using the Cross Border Add Funds service?

What if my details are incorrect?

Which UK and Europe banks are supported?

Whom should I contact for support related to Cross Border Add Funds?

More FAQs

Got a Question?
Check Our FAQ related to Singapore, Hong Kong, Australia

View all FAQs

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Send Money to India: Simple, Secure, and Stress-Free