How to Send Money from India to the Philippines

Updated February 11, 2018

You can send money from India to the Philippines through BANKS in India.

You will send using wire transfer, also called Swift transfer or telegraphic transfer.

You can do it over the counter, or through your online banking.

For faster processing, you will send money using funds from your bank account in India, whether you are a Foreign National, Resident Indian, Person of Indian Origin, or an Overseas Citizen of India.

One of  the more popular banks for sending money from India is ICICI Bank. You can use its Money2World online remittance service. You can use your ICICI bank account or your account in any other bank in India.

Another is State Bank of India. You can use its SBI outward remittance services.

State Bank of India and ICICI Bank are among the top 3 banks in India.

Can you send money abroad online through foreign exchange dealers in India?
Yes. There are authorized foreign exchange dealers in India that transfer money online to the Philippines and to other countries, but they work with banks in India. If you like to try them, make sure that they are authorized by the Reserve Bank of India (RBI) and they work with banks in the transfer of funds abroad.  The others are called Full-Fledged Money Changers (FFMCs).

International non-bank remittance companies like Western Union and Moneygram are not yet allowed to transfer money from India to other countries.  They can, however, transfer money from other countries to India.  Outward, No.  Inward, Yes.

For OFWs or other Filipinos working in India:
If you will send money from India to the Philippines frequently, advise your recipient to open an account with BPI, Metrobank or PNB, since these are the Philippine banks with correspondent banks in India.

Scroll down to see lists of banks in India which have correspondent relationships with BPI, Metrobank and PNB.

For Filipinos and other Foreign Nationals with visa to work in India:
you are allowed to open a Resident Rupee Account in India so that you can send money using your funds in your bank account.

Scroll down below to see documents needed to open a Resident Rupee Account in India.

How much money can you send from India to other countries?

For Foreign Nationals working in India:
You can send all your Net Salary.
Net Salary = Gross Salary minus Tax and other mandatory deductions
There might be situations when you are able to send only up to 75% of your Net Salary.

And as a Foreign National, you CANNOT send to just anyone!
You must send money only to your family members.
You will declare your Net Salary and your family members using a form that you will sign.

The Maximum Amount that you can send out of India depends on 3 factors:
       1.  Your resident status
       2.  Your bank account type related to resident status
       3.  Your purpose in sending money from India

For small-value remittances, the maximum limit is US$25,000 per financial year.
For higher-value purposes like real estate investment, the maximum limit is US$250,000 per financial year. You will be asked to present documents that include your PAN card. A cancelled cheque might also be required

Resident Status:
           RI  = Resident Indian
           NRI = Non-Resident Indian
           PIO  = Person of Indian Origin
           OCI = Overseas Citizen of India
            FN = Foreign National
                    – can be:
                 Foreign National of Non-Indian Origin Visiting India
                 Foreign National of Non-Indian Origin Working in India

Type of bank account related to resident status:
           RRA = Resident Rupee Account
           RFCA = Resident Foreign Currency Account
           NRO = Non-Resident Ordinary Account
               – can be opened by foreign nationals of non-Indian origin visiting India
               – can be maintained for only up to 6 months
           NRE = Non-Resident External Account
           FCNR = Foreign Currency Non-Resident Account
                 – can be maintained for not less than 1 year and not more than 5 years

What are the purposes allowed in sending money from India?

         . Financial support for a close relative
         . Education abroad
         . Emigration fees
         . Employment abroad
         . Medical Treatment
         . Purchase of medicines and other items for personal use
         . Visa fees
         . Police verification
         . Donation
         . Gift to an individual (another person, not gift to yourself)
         . Purchase of real estate property outside India by a resident Indian
         . Payment of life or general insurance premiums by a resident Indian to an insurance firm outside India

         . Investment in foreign securities 

Other remittance rules:
You can send in US dollars, British pounds, euros, Saudi riyals and 12 other major currencies.

You cannot send money to Bhutan, Nepal, Mauritius or any country identified as non-co-operative by the Financial Action Task Force (

BPI Correspondent Banks in India:

ICICI Bank  (recommended by many online)
DBS Bank, Mumbai Branch
Citibank NA
Dena Bank
Punjab National Bank
State Bank of India
Standard Chartered Bank
Union Bank of India
Hongkong and Shanghai Banking Corp. (HSBC)
JPMorgan Chase Bank
Syndicate Bank
Bank of Nova Scotia
Deutsche Bank
Bank of Tokyo-Mitsubishi UFJ
BNP Paribas India
ANZ Banking Group
Royal Bank of Scotland

Swift Code for all branches of BPI and BPI Family in the Philippines is:  BOPIPHMM

PNB Correspondent Banks in India:

Australia and New Zealand Banking Group Ltd.
Bank of America, Mumbai
Bank of Tokyo Mitsubishi UFJ, Mumbai
Bank of Nova Scotia, Mumbai
BNP Paribas India
Citibank Europe, Mumbai
Credit Agricole Corporate and Investment Bank, Mumbai
Deutsche Bank, Mumbai
JPMorgan Chase Bank, Mumbai
Mashreq Bank, Mumbai
Punjab National Bank, Mumbai
Standard Chartered Bank, Mumbai
State Bank of India, Mumbai
Syndicate Bank, Mumbai

Swift Code for all branches of PNB in the Philippines:  PNBMPHMM

METROBANK Correspondent Banks in India:

ABN Amro Bank Mumbai
American Express Bank New Delhi
ANZ Banking Group Mumbai
Axis Bank Ltd. Mumbai
Bank of America Mumbai
Bank of Baroda Mumbai
Bank of Ceylon Chennai Madras
Bank of Tokyo-Mitsubishi UFJ New Delhi
BNP Paribas India Mumbai
Citibank Mumbai
Hongkong and Shanghai Banking Corp. (HSBC)
JPMorgan Chase Bank, Mumbai
Masreq Bank Mumbai
Punjab National Bank Mumbai
Standard Chartered Bank Mumbai
State Bank of India Mumbai
Union Bank of India Mumbai

Swift Code for all branches of Metrobank in the Philippines:  MBTCPHMM  

DOCUMENTS that FOREIGN NATIONALS must present to open a Resident Rupee Account in India:

.  Original and copy of valid passport with employment visa
.  Proof of employment:
    Any one of these three:
       Original pay slips issued by your company
       Form 16 signed by your employer
       Certificate from your employer stating your salary details and deductions

. You will fill up and sign a Retail Outward Remittance Application (A2 form)

Websites of:
State Bank of India
Reserve Bank of India


Add a Comment
  1. how many days will the money be crdited to my bdo kabayan account mam? nagtransfer po ng money yung fiance ko tru bank to bank using ICICI bank of india. I hope you will respond. Salamat mam.

    1. Send money from India to Philippines: Walang correspondent bank ang BDO sa India, so dadaan ang remittance sa another bank na correspondent bank ng BDO, so expect your money after 3 days or more.

    2. Hi madam pwede po ba Landbank na atm?

  2. Pwede po ba ATM lang yung Account Madam?

    Paano kung BF Ko lang ang magpapadala from India magkaka problema ba?

    Maraming Salamat po!

    God Bless!

    1. Atm account: Yes, your atm account can receive money from India or from any other country. BDO atm account ba ito? If yes, maintain 2,000 pesos in your account every day para hindi ka magka-penalty. Puede namang lower than 2k ang balance in some days kung ang balance is much more than 2k in other days at nang sa ganon kapag BDO computes the average daily balance for the month ay ang result is 2k or more.
      In short, okay lang na bf mo lang magpapadala sa account mo basta you maintain the 2k required maintenance balance.

    2. Maraming Maraming Salamat po sa Response Ma'am

      So either BPI/BDO/PNB/Metrobank dun po Ako mag Oopen ng ATM at makaka receive naman po ng Money fron India tama po?

      Hindi po ba pwede Union Bank? Yun lang po ang ATM Ko dito

      Sorry po sa hassle Madam

      God Bless po and Thank You!

    3. Union Bank: Yes, puede rin ang atm account sa Union Bank na maka-receive ng remittance from abroad. Account number ba ang ibinigay mo sa sender mo?

    4. Panu po pag account number ang ibibigay

    5. Panu po pag account number ang ibibigay

  3. Good evening po Ms Nora Tamba. Nagpadala po yung friend ko sa India Acid bank po yung bank nya dun ang account ko po sa BPI, first week pa po ng March pinadala yun hanggang ngayun di pa rin dumarating pero bawas na sa account. Posible ba yung ganun katagal bago dumating sa account ko dito sa BPI? Thanks po.

  4. Please anybody can help me too send money in Philippines.
    Cause of indin rules i can't send money to my gf…
    So please if any fillipiano can help so tanksful for it ..

    1. Hi send true western union friend

  5. Hi po,gud evening pwede po ba magtanong?bf ko po sa india nagsend nang pera sa state bank of travancore to may atm account of metrobank.san ko po makukuha ang pera?kailangan ko po ba pumunta nang banko or automatic in atm na.ilang araw ko po makukuha ang pera…pls help me

  6. Hi mam nora pa help nman po oh

  7. Hi,
    i want to send money to Philippine for drup purchase. .how many days will it takes the money to get to the recipient using BDO bank please

  8. where i cant get my money? my friend send me money yesterday sa landbank atm ng pinsan ko. can anybody answer my question?

  9. How about i only have landbank atm card and my bf wants to send money to me? From india

  10. Maam i have atm card unionbank.. Pero di ko po masearch ang swiftcode sa davao city branch only in pasig. HOw can i receiv the money from India. Kailangan kc nya ang swiftcode..

  11. Bakit po yung friend ko from india nag padala sa akin ng pera via wire transfer ne reject yung request…anu po kaya ang dahilan BPI po bank account ko.thank you

  12. My friend is asking me to open Citibank account instead.. Pde po kaya un..?

  13. May nagpadala po sa akin from india Via NEFT online transaction. binigay ko lang yung account number ko ng BDO kabayan savings. ilang araw po bago ko mailabas yung pera? okay po ba yung Transaction na nangyari? salamat

  14. May nagpadala po sa akin from india Via NEFT online transaction. binigay ko lang yung account number ko ng BDO kabayan savings. ilang araw po bago ko mailabas yung pera? okay po ba yung Transaction na nangyari? salamat

  15. Ilang days po ba makukuha ang pera if example nagpadala sya july icici bank sya nagpadala ng pera..and bpi yong account ko.

  16. My friend send me thru state bank of india. How can i withdrwa it here? Tnx

    1. Pinadala un pera pero ndi k nagbigay bank details? Singungaling yan friend mo. S India lahat ng palabas ng India n pera kinocontrol ng govt. Lahat ng transanctions ay through banks lng.

  17. Hi. Metrobank account # po binigay ko sa Bf ko but sa union Bank po sya Pumunta eh 10 digits lang un akin, pero ang hinahanap po 14digits daw po. Ganun po ba tlga yun?

    1. Marereceive mo b ang load kapag pinaload s smart pero globe ang number mo? Isip isip

  18. Good day po! Matanong ko lng po ano po ba ibig sabahin ng SWIFT & SORT CODE in beneficiary bank kasi po yon po ang bf ko po sa India gusto magpadala sakin tapos yon ang hinihingi sakin sa account ko po. Tapos ngtanong ako sa bank ko po metrobank SWIFT CODE lang po ang alam nila hindi po nila alam yong SORT. Ang bf ko po yong bank niya is Axis bank .please naman po pakihelp nmn ano po ang gagawin ko po. Maraming maraming salamat po. God bless

    1. Walang sort code. Bank name, Swift code, account name, account number at bank branch address lng need para magpadala

  19. Good day sir/ma'am pwd po ba yun mag hulog ng pera sa acct ko?nasa india oo cxya..nahihirapan kasi cxya kung paano thakyou!

    1. Magtanong xa s bank nya dahil tru banks lng pde magpadala from India. Western Union or Moneygram receiving lng sila dito s if ikaw magpadala pde moneygram or western.

  20. Ask po kase yung friend ko May friend sa India, magpadala p.o. yung Indian, San p.o. siya pwede pumunta para magpadala India to Philippines? Thanks

    1. S banks lng pde magpadala ang mga Indians ppuntang Pinas

  21. i want send money to phillipines to one of my friend… whats the procedure

    1. U can only send thru money transfer by ur bank. U need account number, account name, swift code and bank address from the receipt

  22. Hi I'm from Philippines . My boyfriend can't to send me a gift (money) from India. How he can send po

  23. Anu-ano po ba yung Philippines banko na pwedeng pagpadalhan from New Delhi? Bf ko ksi magpapadala since hndi siya makakauwi? Hndi na po ksi active yung mtrobank ATM ko.

  24. Ilang days bago dumating sa bank account mo yung from india? Bank to bank transfer? How many days?

    1. Wire transfer from India: Depende sa bank in India and bank in the Philippines. Puedeng 3 to 7 days.

      1. Nagpadala po yung bf ko residence po siya dun. Nag deposit po siya sa account ko BPI and sa SBI bank siya nag deposit and may finill upan po siya sabi po nya 7 business days bago po makapasok sa account ko. Possible po ba yon maam? Thanks po

        1. May confirmation po ba na darating sa sender kapag pumasok na sa bank ko maam?

          1. Hi Chris, usually walang message sa sender or recipient kung dumating na ang wire transfer. Ikaw mismo na receiver ang mag-check sa account mo kung dumating na. In the future, after systems are improved, puedeng ma-track ng sender.

        2. Hi Chris, yes, puede. Correspondent bank ng BPI ang SBI.

    2. Bank for wire transfer from India: Puedeng BPI, PNB or Metrobank. These banks have correspondent banks in India.

  25. hello maam,

    My friend from India wants to send money for me here in the Philippines.May i know the process how he cand send me ..I have an account from landbank(atm) and metrobank (atm).Please advive so that i can tell him. Thank u so much

    1. Pag Metrobank ang account mo, magpapadala siya sa SBI or State Bank of India. Dapat meron siyang bank account with SBI. Puedeng online. Kung ang bank account niya is not SBI or ICICI, puede siya sa ICICI online banking — merong option doon for non-ICICI account holder.

    2. Ma'am pwd po ba landbank account?

  26. Ma'am,

    Is it possible for Indian national to send money in the Philippines even we are not relatives.What are the possible processing for the sender to make the transactions successful.

    1. Indian national sending money from India: Yes, ang reason is personal gift. Basta meron siyang resident bank account and Indian IDs. Puede siya sa ICICI bank or SBI. Puedeng ICICI or SBI online banking.

  27. paano po if yung indian is nasa dubai and wants to send money sa akin online fund transfer ata ang gusto nya gawin. ang atm ko is bpi . possible po ba yun?

  28. Anu po bang details ang kailangan ng isang indian national mula sa receiver na kagaya ko para makapagswift transfer siya sa BPI account ko? swiftcode , account number at account lang ba?

    1. your name, name of bank: Bank of the Philippines Islands, account number, swift code, sometimes branch or location.

  29. Ma'am good Eve ano poba kaylangan Na account Dito mag papadala Po kc gf ko India to Philippines Po d kupo Alam kung pano!

  30. Hello how to aend money from phillipines to an indian bank account po?

    1. Puede kang mag-wire transfer sa bank branch where you have an account. Kapag BDO, sa online banking lang ang wire transfer nila.
      Puede ring mag-send ng pera abroad sa Western Union or Moneygram.

  31. My friend from india send me th money nd his bank is national problem is i dont have an account of any bank how can i get the money?

  32. My friend from india tell me that he send to me the money..his bank is national bank.but may problem is i dont have an account of any can i get the money?

  33. Hello po. Magkano po ang charges pag nagpadala from india to philippines?

  34. Ano pong details para makapgpadala ang bf ko mula India mula dito sa pilipinas, bdo po ang bank account ko

    1. Your account name, account number, name and address of bank, Swift code of BDO. Hindi na kelangan ang routing number kasi lahat naman ng foreign remittance ay papasok muna sa main processing office ng BDO.

  35. Pede po ba makapagpadala ng cheque from SBI in India to Philippines at dto po ma encash SBI Philippines?

  36. Jenny rose ajusan

    Saan po ba pwde kumuha ng pera galing indian

    1. Hi Jenny, tanungin mo sa sender kung saan siya nagpadala. Pero usually kapag galing India, naipadala dapat sa account mo. Sa India, hindi pa puedeng magpadala sa Western Union ng pera na palabas ng India.

  37. Hello Po pde Po ba mag padala ng Pera skin ang friend ko from India to Philippines kahit wla ako bank account Anu Po dapat gawin?

    1. Hi Regine, karamihan sa India ay gamit ang bank. Merong Western Union doon pero para lang sa pera na papasok sa India. Puede kang kumuha ng postal ID mo para maka-open ka ng bank account. Kelangan ang barangay certificate sa pagkuha ng postal ID.

  38. I get a loan from reserve bank of India I’m here from Philippines I almost paid the origin fee and the non residential tax…so I can ask is there a possibility that I can get that account is bdo…thanks just asking

    1. Hi Raine, sorry I’m not familiar with Reserve Bank of India’s policies about loans for non-residents. But you must ask the loan officer if you are allowed to apply for a loan even if you’re a non-resident, especially if it’s a practice there to get origination fee at the same time as they accept loan application documents, meaning they have not checked that you’re a non-resident.
      It’s expected that before banks approve a loan, they check all facts about the applicant, so if they see that your nationality is not Indian, then they will not approve the loan if their policy is not to lend to non-residents.

  39. hi yung friend ko po kasi nag send ng pera sakin kagabi from BANK OF INDIA to BPI atm tas nag check ako this morning wala pa din po.ilang araw q po sya makukuha..?

    1. Hi yuri, kung State Bank of India ito, baka bukas or the next day, andiyan na sa account mo. Usual naman ang 3 to 5 days kapag wire transfer.

  40. Salamat miss nora pero sinabi ko po saknya na ganun di daw match yung swift code something.kaya daw hindi na process and a week babalik daw sa account nia yung pera…BANK OF INDIA po yung bank nia kasi yung SBI sya di daw pede…

  41. Hi po!!!pwd po humingi ng advice!!may friend kc ako from india..padala sana xa ng pera through online banking pero wla po akong kahit anong account or atm …ano po ba ang pwd kong gawin??meron lng po ako is cebuanna card..


    1. Hi Mila, ang tanong mo ba is puedeng gamitin na pang-receive ng money (wire transfer) from India? Yes, puede.

      1. Hi maam ask ko lang po pwede po ba ung axis bank to metrobank (ATM)

        1. Hi Rochel, yes, Axis Bank is a correspondent bank of Metrobank, so puede, ibigay mo lang ang name mo, bank name (METROPOLITAN BANK AND TRUST CO.) and your account number and Swift code ng Metrobank: MBTCPHMM

  43. Maam .. ano po ba procedure magpadala ng pera from India to Philippines? Pwede po ba one network bank ang gamit Kong account?

    1. Hi Keyana, ang alam ko, walang outgoing international transfer ang One Network Bank kasi rural bank ito. Puede ang wire transfer sa BDO, BPI and other commercial/universal banks. Try mo magpadala to India sa Western Union.

  44. Mam pano po mag hulog ng pera galing india papuntang pilipinas kase maghuhulog po ung boyfriend ko. Hindi nya alam kung pano. Salamat po sasagot. Wla po akong bank account saan kaya pwde maghulog

    1. Hi Aiko, dapat mag-open ka ng bank account mo dito sa Philippines kasi ang banks, Western Union or Thomas Cook sa India ay required ang bank account ng receiver. After naka-open ka na, send mo yong name of bank mo, name mo sa account mo, account number mo and Swift code ng bank. Sabihin mo na rin na savings ang account mo at kung anong branch ang account mo. Ask mo na lang sa teller o dito later on ang Swift code ng bank kung naka-open ka na.

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