HDFC Bank Remittance Charges

Updated 17 Jun 2026

Full per-currency rate sheet, fee-component breakdown, and worked totals at ₹50,000, ₹1,00,000, and ₹5,00,000 across USD, GBP, EUR, AED — all computed against HDFC Bank's own data.

Today's USD rate

₹96.9500

TT Selling, INR per 1 unit

Commission

₹500–₹1,000

tiered by USD

GST

18%

on Commission

Swift charge

—

not separately charged

01 · Things to know

Things to know

Applies to:Outward remittance via HDFC, Resident Individual, T.T. Selling rate. The card rate at debit time is the rate actually applied.

Card rates apply up to ₹20 lakh equivalent; above that, your Relationship Manager may negotiate a better rate.↗
GST is charged twice: 18% on the commission, plus a slab-based GST on the foreign amount exchanged (min ₹45, max ₹10,800).↗
TCS at 20% applies on general LRS remittance above ₹10 lakh per financial year (refundable as a tax credit at ITR time).↗

Keep each transfer at or below $500 equivalent to stay in the lower ₹500 commission tier instead of ₹1,000.↗

▸Show 4 more notes

Other things to know

HDFC charges don't include originating or correspondent-bank fees — beneficiary may receive less than the foreign amount shown.↗
All commissions, fees, and charges are non-refundable unless explicitly stated otherwise.↗

Other ways to save

Refresh the rate just before initiating the transfer — HDFC updates rates intraday and the live card rate is what applies.↗
If the beneficiary must receive an exact foreign amount, ask HDFC about their Full Value facility — that mode includes the correspondent-bank fee.↗

02 · What you'll pay

What you'll pay

HDFC Bank bundles a small set of line items into the final fee. Each is computed from the rules below.

Component	How it's calculated
Outward Remittance Commission	Tiered by USD amount: ≤500: ₹500, >500: ₹1000
GST on Commission (18%)	18% on commission
GST on Amount Exchanged	Slab by ACE; 3 bands

03 · Today's rates

Today's rates

TT Selling = rate the bank uses when you send money abroad. TT Buying = rate applied when you receive money from abroad. Spread shows how much wider the sell rate is over the buy rate.

Currency	TT Selling (outward)	TT Buying (inward)	Spread
USD	96.9500	93.5200	3.67%
EUR	112.1000	107.3600	4.42%
GBP	131.6500	124.5700	5.68%
AUD	69.3600	64.4400	7.64%
CAD	69.9000	65.9600	5.97%
CHF	120.2200	114.1300	5.34%
NZD	58.2100	53.4900	8.82%
SGD	75.6300	72.8700	3.79%
HKD	12.5100	11.7700	6.29%
JPY	0.6250	0.5775	8.23%
KRW	0.0702	0.0639	9.86%
THB	2.9800	2.7700	7.58%
CNH	14.7500	13.4800	9.42%
AED	26.7400	25.1200	6.45%
SAR	26.1600	24.5700	6.47%
OMR	255.4200	239.2900	6.74%
BHD	260.5100	244.6600	6.48%
KWD	320.0800	300.1500	6.64%
QAR	27.0500	25.2200	7.26%
DKK	15.1900	14.1700	7.20%
NOK	10.4600	9.4900	10.22%
SEK	10.4800	9.5300	9.97%
ZAR	6.0700	5.5700	8.98%

04 · Worked examples

Worked examples

Real totals at three benchmark amounts across four currencies, computed against HDFC Bank's own rate sheet.

Amount	Foreign amount	Total fees
USD
₹50,000	515.73 USD	₹1,270
₹1,00,000	1031.46 USD	₹1,360
₹5,00,000	5157.30 USD	₹1,720
GBP
₹50,000	379.79 GBP	₹1,270
₹1,00,000	759.59 GBP	₹1,360
₹5,00,000	3797.95 GBP	₹1,720
EUR
₹50,000	446.03 EUR	₹1,270
₹1,00,000	892.06 EUR	₹1,360
₹5,00,000	4460.30 EUR	₹1,720
AED
₹50,000	1869.86 AED	₹1,270
₹1,00,000	3739.72 AED	₹1,360
₹5,00,000	18698.58 AED	₹1,720

Sending money to specific countries

At ₹1,00,000, HDFC Bank charges the same total on every supported corridor — commission and GST components don't vary by destination currency at this amount.

Cost for ₹1L ₹1,360

Supported corridors — click any for the full breakdown

USA · USD UK · GBP Canada · CAD Australia · AUD UAE · AED Singapore · SGD Germany · EUR France · EUR Netherlands · EUR Ireland · EUR Saudi Arabia · SAR Japan · JPY Switzerland · CHF New Zealand · NZD Hong Kong · HKD

Try it

Run your own numbers

Adjust the amount and currency below to see live totals for HDFC Bank.

TRANSFER

Sending currency

You pay in INR; recipient receives USD.

Amount you're sending (USD)

USD

Purpose of remittance

LRS remitted this FY so far (₹)

Used to determine if this transfer crosses the ₹10L TCS threshold.

Best deal: Indian Overseas Bank. You save ₹1,807.72 vs the most expensive.

Exchange rate

INR / 1 USD

TT Selling rate from Indian Overseas Bank's published forex sheet — edit to model a quoted rate.

BREAKDOWN

Outward remittance

Charge breakdown
Amount being sent $1,000.00 × ₹95.44	₹95,440.00
Outward Remittance Commission (0.075%)	₹250.00
Swift Payment Message	₹500.00
GST on Commission + Swift (18%)	₹135.00
GST on Amount Exchanged	₹171.79
Total charges	₹1,056.79
Total payable (INR)	₹96,496.79

Amount being sent: ₹95,440.00
Outward Remittance Commission (0.075%): ₹250.00
Swift Payment Message: ₹500.00
GST on Commission + Swift (18%): ₹135.00
GST on Amount Exchanged: ₹171.79
Total charges: ₹1,056.79

Total payable (INR)

₹96,496.79

TCS is refundable when you file your ITR — it's a tax credit, not a fee.