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Lowest Prices: Send Money Abroad at the lowest rates
Zero fees & hidden charges: No platform fee or service charge
End‑to‑end digital tracking: Monitor your transfer status anytime via website
Fully regulated & secure: Backed by RBI‑compliant partners
Need help with your transfer?
Compare fees of transferring money from India to Germany
Know exactly what you’re paying—no hidden fees, no surprises for INR to Euro transfers. Just ZERO-cost, transparent transfers to Germany.
EUR
Germany EUR
INRIndian Rupee
87,705
Wise
Others
Net payable
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Total charges
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Including Markup & SWIFT Fee
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You pay
₹85,837.53
₹85,837.53Total Charges
₹1,300
Wise
You pay
₹87,837.53
₹87,837.53Total Charges
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Others
You pay
₹87,837.53
₹87,837.53Total Charges
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Values are based on assumptions and public data; refer to the official website for the latest figures.
How to transfer money from India to Germany at lowest rates
You need to use International Wire Transfer, also known as a SWIFT transfer, which falls under the RBI’s LRS. Use Niyo to complete this transfer at Zero fee-
1
Go to Niyo website
Tap “Send Money Abroad”
2
Choose currency
Choose the currency Euro, and enter the amount you want to send
3
Add bank details
Add your recipient’s Germany bank account details (university, student self, or rental property)
4
Choose payment
Pay via UPI, NEFT, etc.
5
Review & track
Review, confirm, and track your transfer in real time
Lowest Prices, Zero Fees - Maximum Savings
Fast & easy international money transfers for INR to Euro | No hidden charges | Live IBR rates for INR to Euro conversions
Why send money to Germany with Niyo?
Niyo provides lowest prices & zero fees with RBI-compliant transfers under Liberalised Remittance Scheme
1.5% cheaper# than Wise and others ( save ~ ₹15K per transfer of ₹10L+)
Track every transfer in real time
Bank-grade encryption keeps your money & data safe
Best way to transfer money from India to Germany at cheapest rates
Need to transfer money from India to your Germany Expatrio, Fintiba, or Coracle blocked account? Use Niyo for zero fee and lowest forex markup charges. Send Euros at live exchange rates and save over ₹20,000 in fees compared to others.
Send money to Germany right from your home with Niyo
Enjoy zero fee & lowest rateswith no hidden costs
100% digital, SWIFT transfer with RBI compliance
Instant alerts to track your transfer status in real time
One platform, full control from payment to credit confirmation
Who can do International Money Transfers to Germany with Niyo?
Students, parents, grandparents, and siblings can send money abroad for Blocked Account, tuition fees, living expenses, rent, and more—all fully RBI-compliant under LRS.
Where you can send money
To the student's Germany account
Directly to the university for tuition fees
To a rental property owner for accommodation
Other approved education-related expenses
How to transfer money to Germany blocked account at the lowest cost?
Send money to Germany right from your home with Niyo
Enjoy Zero forex markup with no hidden costs
100% digital, SWIFT transfer with RBI compliance
Instant alerts to track your transfer status in real time
One platform, full control - from payment to credit confirmation
4.7 
(46k reviews)
4.7
(34k reviews)Here's what our users say
I saw Niyo started international transfers at zero forex. Asked my dad to send my semester fees for my MS in Data Science here at University of Melbourne. Money came in fast and we got all charges back in coins.
I was worried about high bank charges for my tuition in Canada. A friend told me about Niyo transfers. My father sent fees for my Bahcelors at University of Toronto - smooth process and no extra cost after coins refund.
For my MBA at NUS Singapore, I needed to pay hostel rent. We used Niyo money transfer - very quick and cheaper than bank, plus got coins back for booking my next flight.
I'm in my second year of Computer Science at UC Berkeley. Dad used Niyo transfer for my tuition this time. Rates were over 2 % lower that flywire, transparent, and the whole thing took less than 24 hours.
Usually we used bank for my tuition payments in London. This time for my Masters at LSE, we tried Niyo transfer. Saved a lot, almost 25000 in upfront charges, Niyo just took 0.5% and for that too got coins back. Easy from the app, I think they are live on web too.
I had to pay my semester fee for my Masters i ETH Zurich. My parents used Niyo transfer from their ICICI account - super cheap, no hidden fee, fast and quite easy for parents to use
Paying my living expenses for my son's Master's at TU Munich was much easier this time with Niyo transfer. I did it in minutes, saved a lot, and money reached quickly.
For my son's MBBS final year in London, I sent his hostel fees through Niyo. Smooth experience, and the zero forex part really helped.
I'm in my first year of Business Analytics at University of Auckland. We used Niyo transfer for my tuition. Very fast and clear, and I love that the charges come back as coins.
Had to pay rent for my apartment near University of British Columbia. Mom used Niyo transfer from India - easy, cheaper, and all charges back in coins we'll use for my flight home.
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FAQs
To send money from India to Germany, you need a secure and RBI-compliant service that allows outward remittance under the Liberalised Remittance Scheme (LRS). With Niyo, the process is 100% digital. Visit the Niyo website, enter the amount in INR to EURO, fill in recipient details, upload supporting documents, and track your transfer in real time.
The best way to transfer money from India to Germany is through a digital-first platform like Niyo. It’s secure, fast, and transparent, with no hidden fees & low markup. You can use UPI, NEFT, or even a debit card to complete the transfer - all from your phone.
Transfers made via Niyo usually reach Germany within 2–3 working days, depending on the recipient bank. You can monitor your transfer status anytime via the app, making it a smooth experience when you send money from India to Germany.
Yes. As per RBI guidelines under LRS, you can transfer up to USD 250,000 per financial year from India to countries like Germany. Niyo ensures every transaction is compliant with these rules, keeping your international transfers hassle-free.
To send money to Germany using Niyo, you’ll need a valid PAN card, passport or Aadhaar, and proof of remittance purpose—like university letter, rental agreement, etc.
Yes. All transfers through Niyo are secured with 2-factor authentication, encrypted banking systems, and processed via RBI-regulated partners. You’ll get complete visibility over your transfer and real-time updates through the Niyo website.
No. Niyo charges transparent fees and offers real exchange rates with zero fees and lowest forex markup. You’ll always see a clear cost breakdown before confirming your transfer.
Absolutely. Niyo currently supports outward remittance for all education-related expenses. Niyo is ideal for transferring money from India to Germany for all LRS-approved purposes, including tuition fees, rent, living expenses, etc. The process is fast, trackable, and 100% digital.
Top currencies we support
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About Niyo
Founded in 2015, Niyo has spent the last 10 years building secure, transparent, and innovative financial solutions serving over 15 lakh customers across 25+ Indian cities.
RBI regulated & licensed: Owns Kanji Forex, a 90-year-old RBI-approved AD-II license holder for secure and legal international money transfers.
Safe & compliant banking: Partnered with regulated Indian banks like IDFC FIRST, YES Bank, and DCB Bank for trustworthy money handling.
Trusted by India –
15+ lakh Indians, including 5+ lakh students.
500+ employees
pan India presence in 25+ cities
