Experience the quickest way to send money internationally without the stress. Trusted by millions worldwide.

Recipient Gets
You Pay
Bank Fees
Transaction Fees
₹1000 ₹0
(includes Bank Fees & FCCT )
TCS will be calculated at final step
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Fast Transfers

Transfer your money abroad within 24 hours with competitively low rates! 

Multiple Payment Options

Pay to the student’s host country with your familiar payment methods.

Low Transactional Fees

Low-fee remittance services, personalised for students, so affordability can’t limit your dreams.

Pay From Anywhere

With our user-friendly app and platform, you can easily access remittance services from any location.

Transparent Pricing Models

You will get a detailed breakdown of fees and exchange rates before completing transaction.

Locked-in Exchange Rates

Forget about exchange rate volatility. Get locked-in exchange rates at the time of transfer.

Forget tedious paperwork! HiWiPay simplifies remittance by eliminating the need for physical LRS/A2 forms, repetitive transactions filling, and physical copies of KYC. Set up your account once and enjoy seamless remittance without the hassle of repetitive paperwork.

Our streamlined and digitised process saves you time and effort. All you need to do is fill out the form and do your KYC to get the best option based on your needs.


We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners.


We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.


We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Our RBI-Authorised Partners

“HiWiPay is a cross border remittance platform which process all remittances through RBI-authorised partners. We also secure transfers with SWIFT APIs and use Azure Blob Service to store all our documents in encrypted format.”


Outward remittance is when you send money from your home country to another country. You can do this for different reasons like supporting family overseas, paying for medical care, education, or vacations abroad. HiWiPay currently only supports education related cross border payments.

According to RBI, under the Liberalised Remittance Scheme, all resident individuals, including minors, are allowed to freely remit up to USD 2,50,000 per financial year (April – March) for any permissible current or capital account transaction or a combination of both.

If you’re the transaction has been initiated and funds have not been transferred the student can cancel the transaction on the student portal. In case funds have been transferred and the transaction needs to be cancelled please reach out to care@hiwipay.com

Account not having sufficient funds

Amount of transaction exceeding USD 25000 or equivalent

In case the annual LRS limit of USD 250,000 has been utilized

If beneficiary country is not part of “Permitted Country List”

If the beneficiary is not part of the “Permitted Beneficiary List”

Remittance being sent to your own account overseas

If incorrect or partial details of beneficiary / beneficiary’s bank has been provided

In case of unauthorized / non-permissible transactions not allowed as per RBI Regulations

It will take anywhere between 24 to 48 working hours.

For the purpose of education (self-funded) – 5% of the amount or the aggregate amount over Rs. 7 lakh

Education when a loan is used to fund education- 0.5% of the amount or the aggregate amount over Rs. 7 lakh

It will take anywhere between 24 to 48 working hours.

We will keep you updated with the information related to your transactions or payment status on your registered email id and phone number. You can also check the status of your transaction in the student portal.

NEFT / RTGS, Net banking, UPI or Cash Deposits at the bank of your choice.

As per RBI regulations, you can transfer up to INR 1 lakh via UPI. In case the amount to transfer is more than INR 1 lakh, then you can use Net banking or make a cash deposit to the account details mentioned in the Challan provided to you. HiWiPay Challan will be generated once the transaction is initiated by the user.

Create an account on HiWiPay’s Student Portal

Enter an Amount

Do your one time KYC (for first time users)

Enter beneficiary details

Pay your transfer fees

University Fee Transaction

Accommodation Transaction

Blocked/GIC Account transaction

Living expenses from relative to student





Remitter PAN

Remitter PAN

Remitter PAN

Remitter PAN

Admission Letter

Admission Letter

Admission Letter

Admission Letter

Loan Approval Letter (In case of Education Loan being the source of funds)

Loan Approval Letter (In case of Education Loan being the source of funds)

Loan Approval Letter (In case of Education Loan being the source of funds)

Loan Approval Letter (In case of Education Loan being the source of funds)



Account Opening Letter



Rent Agreement 


TCS is to be collected at the time of debiting the amount payable by the remitter

Please note TCS once deducted cannot be refunded by the bank in case of any return of transaction/remittances. Remitter can approach for refund from tax authority while filing Income Tax Returns or consult with tax advisor for refund/adjustment.

HiWiPay users can benefit from the live status updates which will be available to them on their Student Portal.

HiWiPay currently charges FCCT and Bank Charges on behalf the bank which are displayed during the time of transaction.