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RemitGuru is a personalized online remittance service offered by Fable, India's biggest eCommerce service provider. RemitGuru ensures quick money transfers to India by Non Resident Indians living overseas. The service is user friendly, provides global coverage, multiple payments & delivery modes and above all, it has the lowest service charges.
Currently you can make a remittance in United States Dollar(USD),GBP Pound Sterling (GBP), Canadian Dollars (CAD), Euros (EUR) and Singapore Dollars (SGD) only.
You can only send money to your own account or to a family member's account using RemitGuru.
RemitGuru Money Transfers enable you to satisfy the financial needs of your loved ones quickly, safely and conveniently from across the seven seas. RemitGuru, our cutting edge money remittance service is far better than the traditional money transfer options like cheques, money transfer agents and bank wire transfers. The service is user friendly, provides global coverage, multiple payments & delivery modes and above all, it has the lowest service charges. Enjoy peace of mind with our "always there" customer support via phone, chat and e-mail.
RemitGuru Money Transfers does not share the personal information provided by you with any third party (unless, of course, we are required to do so by law!). For details, read our
Privacy Policy
Moreover, RemitGuru Money Transfer lets you put in money into your RemitGuru account either by a local wire transfer via your bank account or an Online Transfer that directly debits your local bank account. This money can then be used by you to either remit money to your loved ones in India or to pay for purchases made on Indian websites.
When you put in money in your RemitGuru account either by wire transfer or online transfer, you will be reassured to know that no debit appears in your bank account unless you have personally authorized it. All transactions are carried out across secure encrypted lines and state-of-the-art firewalls, which have been put through extensive security tests to ensure that the integrity of the security system cannot be compromised.
The RemitGuru Transaction Number or RGTN is the unique number displayed on your screen at the time of booking your remittance. It is reference number for your transaction. You can know the exact status of your transfer by simply clicking on your RGTN on our Online Status Tracker.
Whether you are sending an email or chatting with us online about your money transfer, you always need to quote your RGTN.
While sending a wire transfer to the recipient's bank via your local bank, you need to fill in your RGTN on the Remittance Confirmation Page. On completion of a transaction at RemitGuru Money Transfers, you must submit a printout of this page to your bank. This step is required by your local bank to process your money transfer.
No. You can send money to as many recipients as you wish. RemitGuru has an Address Book tool in which you can store your receivers' details.
Yes. You can send money to any NRE\NRO account in India. These funds will be directly credited into this account.
No. You can continue using your existing bank account for the money transfer.
To send money through RemitGuru, you need to first join us by registering on our website - Registration is absolutely free.
After you create an account, RemitGuru stores your relevant details and your receivers' information in your user profile. You can easily send money later on without re-entering recipient information. All information stored in your account is secure and will not be shared or made available to anyone else or any third party.
It takes just about 5 minutes or less to complete the enrollment forms.
There is no waiting time. Once you complete the enrollment process, you can immediately begin using the service.
Click here to read our Privacy Policy.
Click here to read our user agreement.
CIP/Internet Transfer
Internet Bank Transfer is the easiest way to send money electronically to most banks. You can simply transfer the funds by logging into your local Internet banking service.
Wire transfer
A Wire Transfer to RemitGuru usually enables you to transfer money from your existing overseas bank account to India in 48 hours. RemitGuru provides you with a unique tracking number to help you track the status of your transaction at any point of time.
Sofort Transfer
Q. What is the 'Sofort'option?The 'Sofort' option is an online direct payment method and works on the basis of online banking. The big advantage - It is an immediate and direct transfer of funds.
Customers who select 'sofort' as the preferred method of payment for their online money transfer are redirected to the secure payment form. All data transfer is carried over automatically so that you only need to select your bank, enter your online banking login details and enter the confirmation code in order to authorize the transfer. All information delivered to your bank is sent in an encrypted form.
You have a lot of advantages. In particular, you can expect seamless money transfer. Thanks to the two-stage authentication procedure (with confidential login details and confirmation code), using 'sofort' option is more secure than paying with a credit card or wallet. RemitGuru's account details are pre-added when you use the 'sofort' option and you simply need to authorize the payment by using your internet banking details in a secure and encrypted environment, assuring your money transfers are safe and completed without any hassle.
In all matters concern to money, security must have the highest priority. With 'sofort' option, you use the best online banking procedure. In particular to the confirmation code, it offers a high degree protection and immediately becomes invalid once utilized. The transfer of data occurs only via connections secured with up to AES 256 bits. sofort or RemitGuru does not store any sensitive information like a confidential login details and confirmation code, but carries out the transaction solely as a technical service provider.
You can use 'sofort' option with the online bank accounts of most banks. What's super practical: the payment page of 'sofort' option lets you search for your bank. However, use of deposit accounts, investment accounts or financial accounts is not possible.
Below are the payment authorization steps for banks in your respective country.
| Payment Authorization Steps | ||||
| Bankname | Number of Steps | Step 1 | Step 2 | Step 3 |
| Barclays | 2 | Surname & Membership Number / Card Number / Sort Code and Account Number | Last 4 Digits Of Card Number & PINsentry Code | - |
| Citibank | 2 | User Name & Password | Challenge Question | - |
| Co-Operative Bank | 3 | Sort Code & Account Number or Visa Credit Card Number | Security Code | Security Information |
| First Direct | 2 | User Name | Memorable Question & Generated Security Code | - |
| HSBC | 2 | User ID | Memorable Question & Generated Security Code | - |
| Lloyds Group (Lloyds) | 2 | User ID & Password | Memorable Information | - |
| Metro Bank | 2 | User Name | Security Number | - |
| Nationwide | 2 | Customer Number | Generated Passcode | - |
| RBS Group (Ulster) | 2 | Customer number | PIN & Password | - |
| Santander UK | 3 | Personal ID | Memorable Question | Passcode & Registration Number |
| Yorkshire | 3 | Customer Number | Password | Security Option |
No. Cancellation of a transfer is not possible once the bank has taken receipt of the transfer order. However, if you have not yet paid, then you can cancel the transaction and make a new one.
Following charges will be applied to customers for sofort transactions:
UK: £1 for transfer upto £1,000. No fee will be charged for transfers above £1,000. Your 1'st transaction via sofort is FREE, so go ahead and try it out today!
Germany & Europe: €2 for transfer upto €2,500. No fee will be charged for transfers above €2,500. Your 1'st transaction via sofort is FREE, so go ahead and try it out today!
In accordance with the refund policy of RemitGuru, any claim regarding refund will be settled by deducting an amount of 20 (SGD, GBP or EUR respectively). Refund process would be completed in 15 to 20 business days.
Note: : No refund is possible once the amount is converted to INR.
PAD/ACH Transfer
This is available in Canada\USA. An ACH\PAD Transfer is an electronic fund transfer system that enables inter-bank clearing of transactions among participating financial institutions. In others words, ACH\PAD is a system that enables exchange of electronic transactions. When you send money from your bank account via a PAD\ACH Transfer, the recipient bank receives the money in 4 working days. Your beneficiary in India can expect the funds the very next day.
* No extra cost is passed on to you .
* No need to mail a check or visit your bank to initiate a Wire Transfer.
* In short, PAD\ACH Transfers save you valuable time and effort
However, if you are doing a PAD\ACH transfer, it can take up to 10 days to process your transfer as there is an additional verification process required. Therefore, please add your bank account so that we can verify it in advance. Then you can make transfers as and when you like.
For more info on how to do a PAD\ACH transfer click here.
The following restrictions and rules apply for sending remittance to India:
| Minimum amount per transaction: | 50.00 GBP |
| Maximum amount per transaction: | 8,000.00 GBP |
| Daily transaction count limit: | 5 |
| Daily transaction amount limit: | 40,000.00 GBP |
| Monthly total count limit: | 10 |
| Monthly total amount limit: | 80,000.00 GBP |
| Minimum amount per transaction: | 50.00 CAD |
| Maximum amount per transaction: | 5,000.00 CAD |
| Daily transaction count limit: | 5 |
| Daily transaction amount limit: | 15,000.00 CAD |
| Monthly total count limit: | 10 |
| Monthly total amount limit: | 30,000.00 CAD |
| Minimum amount per transaction: | 50.00 EUR |
| Maximum amount per transaction: | 8,000.00 EUR |
| Daily transaction count limit: | 5 |
| Daily transaction amount limit: | 40,000.00 EUR |
| Monthly total count limit: | 10 |
| Monthly total amount limit: | 80,000.00 EUR |
| Minimum amount per transaction: | 50.00 EUR |
| Maximum amount per transaction: | 8,000.00 EUR |
| Daily transaction count limit: | 5 |
| Daily transaction amount limit: | 40,000.00 EUR |
| Monthly total count limit: | 10 |
| Monthly total amount limit: | 80,000.00 EUR |
| Minimum amount per transaction: | 50.00 SGD |
| Maximum amount per transaction: | 20,000.00 SGD |
| Daily transaction count limit: | 5 |
| Daily transaction amount limit: | 50,000.00 SGD |
| Monthly total count limit: | 10 |
| Monthly total amount limit: | 2,00,000.00 SGD |
Direct Deposit
All remittances can be directly deposited to the account of the beneficiary specified by you as soon as RemitGuru receives your remittance. You can also transfer money into your own NRE\NRO Account in India.
To check list of banks click here
.
Demand Draft (Available only for special cases)
You can get a local payment draft delivered to your recipient. We do not offer this option as default, as it is archaic and involves physical effort on the part of the receiver to en-cash the draft. However, if you have a special requirement for a demand draft to be given to the receiver, then please write to us at and we shall review your case.
RemitGuru provides this information to you via email or SMS notifications and on the RemitGuru Status Tracker.
We will send a series of email/SMS notifications informing you of the status of your transaction. The first email/SMS is sent shortly after you submit a RemitGuru transaction. The second email/SMS is sent when your payment has been cleared and RemitGuru assigns responsibility of your transaction to our partner in the recipient's country.
Upon completion of the transaction, you will receive another email/SMS informing you that your recipient has received the funds.
Note: Place the email address
""
in your "safe sender's list" of your email account to ensure that these messages are not mistakenly directed to your junk or spam mail box. If you're not sure on how to configure your email attributes, consult your Internet Service Provider (ISP), email service or system administrator.
In addition, you can track the current status of your transaction by visiting the RemitGuru Status Tracker
To avoid the painstaking process of booking a transfer with the same details again we have introduced the repeat a remittance feature, wherein a list of remittances done in the past is displayed and in order to repeat the transfer you have to just click on the button next to it.
ROR is an innovative referral reward program we offer to our registered customers, which enables them to refer an unlimited number of NRI friends, relatives and acquaintances to us.
All you need to do to enjoy the lucrative benefit of ROR as our registered customer is to refer RemitGuru to your NRI friends, relatives and acquaintances. Click on the Rewards on Referral link on the left hand side of the Account Summary page, after you login to your RemitGuru account. You start earning ROR after your referrals register themselves and transact with us for the first time.
You can avail ROR in two different ways. If you have contact details of your referral simply enter referral details. After your referral, we'll send an email to your friends/relatives soliciting them to register for our services.
If you do not have contact details of the referral, do share Rewards on Referral Code with friends/relatives. The referral must use “Rewards on Referral Code” at the time of registration only. Please ensure that they make their first transaction and select promo benefit as Rewards on Referral, which will enable you to get a total of Rs. 1,250/-. This amount will be credited to your ROR account, which you can redeem as per your convenience. Additionally, your referral also gets Rs. 250/- in his receiver's bank account on completion of his first transaction. A minimum amount of 501 of any currency/denomination needs to be transacted by the referral for any of these benefits to become applicable. So, you and your referrals will enjoy lucrative benefits from our ROR scheme.
Please note : Please make sure your referral should finish their first transfer within 7 days of initiating it and selects promo benefit as Rewards on Referral. Only then you will get the reward amount.
The ROR benefit will be sent to you in a separate transfer within 4-5 working days after completion of your transaction.
Please note that, if your receiver's account is an NRE account, contact RemitGuru customer support.
To start earning ROR, Please ensure that your referred friends/relatives/acquaintances:
A) Belong to a country we service.
B) Are not registered/existing users of RemitGuru.
C) Complete one transaction of sending money from RemitGuru.
D) Enter “Rewards on Referral Code” only at the time of registration with RemitGuru.
When you refer your friends for our services, we will immediately send an email to them for registration. Please ensure that your friend clicks on the registration link in the email and registers with us.
No, There is no limit to the number of people you refer & the amount you can earn.
You can send the amount gained as ROR credit to your beneficiary in India along with your remittance amount.
e.g. Let's say you have accumulated a ROR credit and plan to send money to your relative in India. You can send the amount gained as ROR credit in addition to your remittance amount.
Note: You will be able to redeem your ROR balance only when the NRI friend you had referred has completed his first transaction of minimum 501 with us. The entire amount will become redeemable instantly. You can redeem the amount in multiples of 1000 rupees only with a one-time maximum of Rs. 10,000.
The ROR benefit will be sent to you in a separate transfer within 4-5 working days after completion of your transaction.
Please note that, if your receiver's account is an NRE account, contact RemitGuru customer support.
The Remitguru engagement scheme (RES) is a unique loyalty reward program for rewarding users for their commitment to using us.
All you need to do to enjoy the lucrative benefit of RES is to register for this scheme. After you login to your RemitGuru account, click on the engagement scheme link on the left hand side of the Account Summary page. Once open-click on the provided link to auto register.
You will become a member for a period of 4 months. Now start transferring money as usual.
You will have to transfer atleast this much each month:-
| Sending Country | Amount |
| United Kingdom | 2,500 GBP |
| Singapore | 10,000 SGD |
| Canada | 4,500 CAD |
| Germany and European countries | 2,500 Euros |
| Commitment time | Reward |
| 4 Months | Rs.2,500 ! |
To check your monthly amount tally click on the engagement scheme link on the left hand side of the Account Summary page. As soon as you have met the amount requirement in each month - you can claim your reward by selecting the option at the bottom of the page and then click on redeem now. Please note: A user can at one time claim the reward from one account id only.
You can send the reward gained under the RES to a beneficiary in India along with a money transfer. Your reward money will be sent into the same receivers account within 7-10 working days of completion of the original transfer.
Your membership expires after you claim your reward. To renew your membership click on the engagement scheme link on the left hand side of the Account Summary page. Once open-click on the provided link to renew your membership. This membership shall now be valid for a period of 4 months.
The RemitGuru 'Request Money' is a unique program for family and relatives in India to request money from their loved ones settled or working abroad. Receivers in India now can directly ask, request and remind their loved one abroad to send money home.
If you are in India, and want your family and relatives abroad to send you some money, you should use the 'Request Money' option. You have to fill up the 'Request Money' form by clicking on Request Money on the home page calculator with the following details:
1. Sender Details, i.e., the contact details of your relative abroad that you want to request money from
2. Your Personal Details, i.e., your personal contact details so that your relative that you request money from can verify your details before transferring you money
3. Your bank account details, i.e., the details of the account to which the money will be transferred by your relative you have requested
Once you have completed the form, RemitGuru will send an auto generated email to you as well as your relative you have requested money from. Your relative will get your updated bank account details with a link to fulfill or reject the request. After clicking the fulfill option, a fresh transaction will be booked on RemitGuru and your relative will simply authorize the payment through his internet banking account.
No, there are no additional fees.
No, you can request money in India from your relatives abroad without getting registered.
Your relative can receive a request without being registered, but to fulfill the request and to complete the online money transfer process, they will have to get registered.
No, there is no limit to the number of people you ask or request money.
You don't need to worry any longer about remembering to send money on time to your dear ones. RemitGuru offers scheduling options to meet your money transfer needs. You can schedule money transfers from your RemitGuru account for future dates or even set up a scheduled remittance to your beneficiaries. It's easy to use this scheduling functionality and there's no extra fee. Here's how it works:
Select the Schedule Reminder link from your my account page for an existing recipient or when you start your money transfer. Specify the frequency and date of your money transfer transactions.You will be sent a reminder on your registered e-mail id 3 days in advance.
Also you have the option of automating the entire remittance transaction at a scheduled date.Just click on the schedule a remittance link on the side of your my account page and set up a scheduled remittance.Review the schedule before you authorize the money transfer. You can change the details of this schedule only before the day of the money transfer. The payment will not be charged to your account until the day of the transfer.
'Rate Alert' feature is there for you to transfer money on your preferred exchange rate; all you need to do is login to your RemitGuru account and visit the 'Rate Alert' option and mention your preferred exchange rate. At any particular day if RemitGuru exchange rate is similar or more than your preferred exchange rate, RemitGuru will send you a reminder through email and you can transfer money then.
The status of your remittance transaction is displayed on the Status Tracker page on the RemitGuru website. Additionally, RemitGuru sends email notifications to keep you aware of important changes in the status of your transaction.
The transaction information on our website is available only to the sender of the remittance. The sender can view the status of the transaction either by signing in to his or her RemitGuru account and entering the RemitGuru Transaction Number (RGTN) in the Status Tracker search box, or by checking the Status Tracker.
We maintain entire history of transfers made that may can be referred to if the need arises.
The transaction information on the website is available only to the sender and the recipient of the money transfer.
The sender can see status by signing in to RemitGuru account and entering the RemitGuru Transaction Number (RGTN) in the Status Tracker Search Box, or by looking on the Status Tracker page of the site.
No cancellation is allowed once transaction is funded and the money comes to the RemitGuru account. However, if you have not yet paid then you can cancel the transaction and do a new one. To understand cancellation process contact Customer Support.
You cannot make changes to a transaction once it has been booked, but you can cancel the transaction and do a new one.
In accordance with the refund policy of RemitGuru, any claim regarding refund will be settled by deducting an amount 20 (SGD, GBP or EUR respectively). Refund process would be completed by 15 to 20 business days.
Note: No refund is possible once the amount is converted to INR.
We have created an account unlock option on the login page. This will help you to unlock your account instantly. You can unlock your account only once in 24 hours. Alternatively please email an 'unlock request' to "" from your registered ID. For more details, contact our customer support team.
In case you cannot log-in to your valid RemitGuru account, please contact our customer support team for assistance. For details contact our Customer Support, click here
After logging into your RemitGuru account, click on the Account Settings link in the My Profile section of the menu on the left hand side of the page. Make the required changes and save them.
After logging into your RemitGuru account, click on the Personal Information link in the My Profile section of the menu on the left hand side of the page. Make the required changes and save them.
After logging into your RemitGuru account, click on the My Receivers tab on the left hand side of the page. Enter the required details of the new receiver here and save them.
If you wish to close your RemitGuru account, please contact our customer support team to understand the closure process. For details contact our Customer Support, click here
After logging into your RemitGuru account, click on the Change Password link in the My Profile section of the menu, on the left hand side of the page. Make the required changes and save it.
You need to be logged out. You need to click on the Forgot Password link in the login box on the home page. Enter the requested details and you will receive an email with a new password. Use this password to log in again. When you access your account, change the password according to your preference.
We advise you to frequently change your password and maintain total secrecy about your login details to prevent fraudulent misuse of your RemitGuru account. In case you need to block your account, just send us an email at "" from the email ID you had earlier registered with us.
The exchange rate applicable on your remittance is based on the existing rate for the day that your funds get converted to Indian Rupees. On the day that you book your remittance, the prevailing exchange rate for that particular day is shown to you on our online rate calculator only as an indication. So you will know the approximate amount your beneficiaries in India will receive in Indian rupees for the remittance that you will be sending to them in your local currency.
You can view the exchange rate for the day by using the online exchange rate calculator on our website. Click here for today's exchange rates.
The following transfer fee will be applicable for sending money to India.
| Transaction | Transfer fee |
| GBP 50 to GBP 8000 | FREE!! |
| Transaction | Transfer fee |
| CAD 50 to CAD 1999 | 4 CAD per transaction |
| CAD 2000 or more | FREE!! |
| Transaction | Transfer fee |
| EUR 50 To EUR 799 | 2 EUR Per Transaction |
| EUR 800 Or More | FREE!! |
| Transaction | Transfer fee |
| EUR 50 To EUR 799 | 2 EUR Per Transaction |
| EUR 800 Or More | FREE!! |
| Transaction | Transfer fee |
| SGD 50 to SGD 999 | 2 SGD per transaction |
| SGD 1000 or more | FREE!! |
Tax is calculated as below:
| Upto 1,00,000 | 0.18% of the gross amount of currency exchanged for an amount up to 100,000 subject to the minimum amount of 45. |
| 1,00,001 to 10,00,000 | 180 plus 0.09% of the gross amount of currency exchanged for an amount of rupees exceeding 100,000 and up to 10,00,000. |
| Above 10,00,000 | 990 plus 0.018% of the gross amount of currency exchanged for an amount of rupees exceeding 10,00,000 subject to maximum amount of 10,800. |