Indian residents can send money from India to Germany for permitted purposes under RBI's Liberalised Remittance Scheme. NRIs can also transfer eligible funds, subject to FEMA rules, tax compliance, and the type of bank account used.

Resident individuals in India can send up to USD 250,000 equivalent in EUR in a financial year under RBI's Liberalised Remittance Scheme.

For NRIs, the limit depends on the account type. From an NRO account, eligible funds can generally be repatriated up to USD 1 million equivalent per financial year, subject to documentation and tax compliance. From an NRE account, repatriation is generally allowed without such annual limits.

To understand this better, read ExTravelMoney's guide on NRI repatriation.

You can send money from India to Germany for permitted purposes such as university or Studienkolleg fees, funding a blocked account (Sperrkonto), student living expenses, maintenance of close relatives, gift remittance, medical treatment, language-course or examination fees, conference or training fees, and visa or emigration fees.

Yes. NRIs can transfer eligible funds through proper banking channels. The process and documents may differ depending on whether the funds are held in an NRE, NRO, or FCNR account.

NRE funds are usually easier to repatriate because they represent foreign earnings brought into India, while NRO repatriation may require additional tax documents depending on the source of funds.

Not necessarily. With ExTravelMoney you can compare rates from multiple RBI-authorised banks and exchange houses and choose a suitable provider, even if you do not already have an account with that provider.

This is one of the main advantages of using ExTravelMoney instead of checking with only your own bank.

Yes. Before you confirm your order, ExTravelMoney shows a complete cost summary, the exchange rate, bank charges, GST, TCS if applicable, and the total INR amount payable so you know the full cost of sending money to Germany before paying.

Yes. Overseas money transfers from India may involve GST and TCS. GST applies to all remittance transactions and is usually a small amount relative to the transfer value.

Sometimes TCS, or Tax Collected at Source, may also be collected on your transaction. It can be claimed while filing your income tax returns. The TCS rate depends on the purpose of the transfer and the total amount remitted in the current financial year.

You can use ExTravelMoney's TCS calculator to find out the exact amount. For education payments, you can also refer to ExTravelMoney's guide on tax on sending money abroad for education from India.

The EUR rate depends on the live market rate and the rates offered by ExTravelMoney's partner banks and authorised exchange houses. Because you can compare quotes from multiple providers, you can choose the one offering better value.

The rate is confirmed with you before the transfer is initiated, and you can postpone or cancel if you are not happy with the day's rate.

The cheapest way is to compare the EUR exchange rate, bank charges, intermediary bank charges, GST, TCS impact, and the final INR payable before booking. Even a small difference in the rate makes a big difference on large amounts.

ExTravelMoney lets you compare quotes from multiple RBI-authorised providers online and pick a better-value option.

No. ExTravelMoney shows the applicable exchange rate, bank charges, GST, TCS if applicable, and total INR payable before you confirm. However, intermediary banks or the beneficiary's Germany bank may sometimes deduct charges before crediting the funds. If needed, you can add a small buffer amount to avoid a shortfall.

Yes. ExTravelMoney helps Indian students transfer funds from India to a German blocked account so they can meet the proof-of-funds requirement for the student visa. You provide the blocked-account details and the required student documents, and the team processes the transfer through an RBI-authorised partner.

Visit ExTravelMoney's dedicated Send Money to a Blocked Account page for complete details.

Yes. Students planning to study in Germany can open a blocked account through ExTravelMoney as a separate service from international money transfer.

Through ExTravelMoney, you can register online, choose a blocked account provider such as Coracle, Expatrio, or Fintiba, and our blocked account expert will assist you with the account opening process. Once the account is opened, you will receive the IBAN and account details by email.

After that, you can transfer the required funds to your blocked account through ExTravelMoney. We help you get competitive exchange rates through our network of RBI-authorized money changers and banks. Once the funds are credited, usually within 24–48 working hours, you will receive the blocking confirmation required for your German student visa application.

Visit ExTravelMoney's Open a Blocked Account page to get started.

Yes. You can pay tuition fee, the semester contribution, or admission deposits to a German university. Most public universities charge no tuition, so the semester contribution and living costs are the usual payments. You may need to submit purpose proof such as the admission letter or fee invoice.

Yes. You can send money to a close family member in Germany for maintenance, living expenses, gift, medical needs, or other permitted personal purposes. Depending on the purpose, you may need documents such as the beneficiary's passport copy, relationship proof, or a purpose declaration.

Yes. Gift remittances are allowed under RBI's Liberalised Remittance Scheme, subject to the overall LRS limit and documentation.

You can usually make the INR payment through standard bank methods such as NEFT, RTGS, or IMPS, depending on the selected partner and amount. The available method and bank account details are shown during booking.

The documents vary by purpose of remittance. Generally you may need:

• Government-issued photo ID of the sender
• PAN card
• A filled Form A2 cum declaration
• Purpose proof (such as a fee invoice or offer letter) where applicable
• Beneficiary details
• The beneficiary's passport copy where required (for maintenance of close relatives or gift remittance)

KYC is required because outward remittances from India must be processed through authorised channels and comply with RBI, FEMA, AML, and banking guidelines. The authorised partner verifies the sender's identity, PAN, purpose, source of funds where required, and beneficiary details before initiating the wire.

ExTravelMoney helps resident individuals send money abroad for permitted personal purposes under RBI's Liberalised Remittance Scheme. We don't support business payments abroad.

A transfer is usually completed within 48 working hours after successful payment, KYC verification, document submission, and processing by the authorised partner. In some cases the money is credited within 24 hours.

Delays can happen due to compliance checks, bank holidays, weekends, time-zone differences, intermediary-bank processing, or incorrect beneficiary details.

Yes. Log in to your ExTravelMoney account, go to "My Account," select the transaction and check the status. After the wire transfer is initiated you will receive a transaction reference or SWIFT copy within a few hours to 24 hours, which can trace the payment through the banking channel.

Yes. After processing, you usually receive a transaction reference or SWIFT copy from the remittance provider, which acts as proof that the money has been sent.

To understand how wire transfers move through banks, read How Wire Transfer From India to Abroad Actually Works.

Yes, the beneficiary can receive the exact amount when intermediary bank charges are handled in advance.

For transfers to Germany, intermediary bank fees may apply. ExTravelMoney helps you manage this in two ways: you can either pay the applicable charge upfront in INR to the remitting partner so no intermediary fee is deducted during the transfer, or add a small extra EUR buffer to offset any charges collected along the way. This helps ensure the beneficiary receives the exact required amount, or sometimes slightly more.

Common reasons include compliance checks, missing documents, incorrect beneficiary details, intermediary-bank processing, Indian or Germany bank holidays, weekends, time-zone differences, and additional verification by the beneficiary bank.

If your transfer is taking longer than expected, read the guide on international money transfer delays.

Contact ExTravelMoney support immediately. The team coordinates with the authorised partner and updates you on next steps; you may be asked for additional information or documents. If the wire is already initiated, it can be traced using the SWIFT reference.

See What to Do If Your SWIFT Payment is Delayed or Rejected.

Contact support as soon as possible. If the transfer hasn't been processed, the details may still be correctable. If the wire is already initiated, the bank may have to raise an amendment or recall request, and recovery depends on the stage of the transfer and the beneficiary bank.

Bank charges and exchange-rate differences may apply on a recall or refund — which is why all beneficiary details should be double-checked before confirming. See mistakes to avoid when transferring money from India and how to get back money sent to a wrong overseas account.

Yes. ExTravelMoney works only with RBI-authorised banks and money changers, and every transfer goes through proper banking channels with the required KYC, PAN, Form A2 declaration, purpose details, and documentation. We only ask for the information needed to process your transaction and share it only with the processing bank or authorised partner, using secure payment systems.