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What are Currenxie fees in India for receiving international payments in 2026?

Author:: Editorial team, serviceexportguide.com
Verified by:: Editorial team
Published: 28 October 2026
Last modified: 30 October 2026
Fees checked on: 28 October 2026
Reading time: 7 min read

Short answer

Currenxie charges USD 0.75 per local payment collected.¹ SWIFT payments sent or received cost USD 8.00 each.¹ A local INR payment to India costs USD 3.00.¹ Exchanges involving INR carry 0.50% on the mid-market rate.¹ Currenxie is not on the RBI list of authorised payment aggregators dated 16 October 2026.² Currenxie publishes no FIRA.¹³⁵

Fee type	Amount	When it applies
Local collection	USD 0.75 per transfer¹	Local payment into a Global Account virtual account¹
SWIFT payment	USD 8.00 per transfer¹	SWIFT payment received or sent¹
INR conversion	0.50% on the mid-market rate¹	Any exchange involving INR (Tier 3)¹
Local payout to India	USD 3.00 per transfer¹	Local INR payment sent to an Indian bank account¹⁴
Additional virtual account	USD 8.00 one-time¹	Each virtual account activated beyond the first¹

Invoice amountCurrencyHow the client pays

1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).

Estimated rupees received, on published fees

Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.

#	Provider and route	Best for	Fee (+GST)	Markup	You receive	Cost
1	Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account	US bank transfers and marketplace payouts	₹942plus GST, rate not stated	0%	₹93,131 to ₹93,301	1.00 to 1.18%
2	RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,000plus GST, rate not stated	0%	₹93,063 to ₹93,243	1.06 to 1.25%
3	WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)	Local transfers with a published per-payment fee	₹1,435	0%	₹92,809	1.52%
4	SkydoPayment link (InstaLinks) paid by ACH debit	Local bank transfers from major markets	₹1,885plus GST, rate not stated	0%	₹92,019 to ₹92,358	2.00 to 2.36%
5	PayoneerLocal bank transfer to Payoneer receiving account details	Marketplace payouts such as Amazon or Upwork	₹0no GST stated	1 to 4%	₹90,473 to ₹93,301	1.00 to 4.00%
6	PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)	Clients paying by card or PayPal balance	₹4,175no GST stated	3 to 4%	₹86,465 to ₹87,366	7.30 to 8.25%

Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.

Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.

Currenxie publishes a short, flat price list in US dollars for its Global Account.¹ This page sets out every fee on that list that matters for receiving money from abroad and moving it to India, checked on 28 October 2026, followed by what Currenxie does not publish.

Read the fees with one fact in mind. Currenxie does not open accounts for sole traders, is not on the Reserve Bank of India (RBI) list of authorised payment aggregators dated 16 October 2026, and publishes no Foreign Inward Remittance Advice (FIRA).²³ The numbers below therefore describe what a business with a Currenxie account pays, not a published service for an Indian freelancer or Indian company to collect export payments. The Currenxie review covers eligibility in detail.

What are Currenxie fees at a glance?

Currenxie charges USD 0.75 per local payment collected, USD 8.00 per SWIFT payment, 0.50% for exchanges involving INR and USD 3.00 per local INR payment to India, according to its pricing page as of October 2026.¹

Fee item	Published fee
Global Account	Free
Local payment collected	USD 0.75 per transfer
SWIFT payment sent or received	USD 8.00 per transfer
Exchange involving INR	0.50% on the mid-market rate
Local INR payment sent to India	USD 3.00 per transfer
Additional virtual account	USD 8.00 one-time
Platform API for enterprises	Priced on request

All figures in the table are from Currenxie's pricing page.¹

How does Currenxie charge Indian users?

Currenxie charges a flat fee per transfer and a percentage on currency exchange, all in US dollars, for a business that holds a Global Account.¹ Currenxie does not publish whether an India-registered company can open one.¹³

Transaction fee: USD 0.75 per local payment collected; USD 8.00 per SWIFT payment received.¹
FX markup: 0.50% on the mid-market rate for exchanges involving INR.¹
Withdrawal fee: USD 3.00 per local INR payment sent to India.¹
Fixed fee: Global Account free; USD 8.00 one-time for each additional virtual account.¹

The Currenxie review explains who can sign up.

What does Currenxie charge by payment method?

Currenxie charges USD 0.75 per local payment collected and USD 8.00 per SWIFT payment received, and publishes no way for clients to pay by card.¹³

Receiving method	Published fee	Best for
Local payment into a virtual account (for example USD in the US, EUR in the eurozone, GBP in the UK)	USD 0.75 per transfer	Clients in a local collection country paying by bank transfer
SWIFT payment received	USD 8.00 per transfer	Clients outside the local collection countries
Collection from marketplaces and payment gateways (for example Amazon, Shopify, PayPal, Stripe)	Not separately published	Sellers paid out by marketplaces or gateways into a virtual account
Card payment from a client	Not offered or published	No published route

The table follows Currenxie's pricing and Global Account pages.¹³ Currenxie says funds from local payments are available in the Global Account on receipt, and the same USD 8.00 fee applies to SWIFT payments sent.¹ Local collection is listed for AUD, CAD, CNH, EUR, GBP, HKD, JPY, MXN and USD.⁴

Currenxie's Visa Business Card is a spending card: the admin card is free, up to five team cards cost a flat HKD 50 per month, and each additional card costs HKD 15 per month.¹ Currenxie says the card is available to businesses registered in Hong Kong.³

What is the Currenxie currency conversion fee and FX markup?

Currenxie says it uses the mid-market exchange rate and adds a fixed percentage by currency tier; exchanges involving INR are in Tier 3 at 0.50%.¹

Tier	Currencies	Fee on the mid-market rate
Tier 5	USD/HKD only	0.10%¹
Tier 1	AUD, CAD, CHF, CNH, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD	0.35%¹
Tier 2	AED, CZK	0.40%¹
Tier 3	HUF, IDR, ILS, INR, PHP, THB, VND, ZAR	0.50%¹
Tier 4	MXN, MYR, RON, SAR	0.60%¹

The table above is sorted by fee. INR is not a currency the Global Account holds; it appears only as a payout currency.¹⁴ Currenxie does not publish how an exchange between two currencies in different tiers is priced.¹

For example, converting a $5,000 balance to INR at 0.50% on the mid-market rate costs 0.50% of the amount, or $25, before the USD 3.00 payout fee.¹

What are Currenxie withdrawal and settlement fees?

Currenxie charges USD 3.00 per local payment sent to India in INR.¹ Currenxie lists India among its local payout countries, alongside countries such as Indonesia, Malaysia and Vietnam.⁴

INR payout: USD 3.00 per transfer.¹
Conversion: A transfer to India funded from a USD balance also carries the 0.50% INR conversion fee.¹
Settlement time: Currenxie does not publish how long an INR payout takes to arrive.¹
FIRA: Currenxie does not publish a FIRA, Foreign Inward Remittance Certificate (FIRC) or e-BRC service, so no FIRA fee is listed, and it does not describe purpose code handling.¹³⁵

If you need these documents for GST or income tax records, see FIRC vs FIRA vs e-BRC.

Is GST charged on Currenxie fees?

Currenxie does not publish an India product or say whether an India-registered company can open a Global Account, so there is no published statement on Indian GST on Currenxie fees.¹³ Its fees are listed in US dollars.¹

How much INR do you receive on $2,000, $5,000 and $10,000 with Currenxie?

Currenxie publishes no route for an India-resident exporter to receive export payments, so the INR amount for an Indian exporter cannot be estimated from published fees.¹²³ The table below shows what published fees allow, at today's rate.

None of these providers publishes both a fee and a conversion markup for USD.

Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.

For a business that does hold a Currenxie account, a $1,000 local USD transfer costs USD 0.75 to collect; converting the balance to INR adds 0.50% on the mid-market rate, and sending it to an Indian bank adds USD 3.00.¹ Currenxie does not publish any charge levied by the receiving Indian bank. Try your own figures in the international payment fee calculator.

What hidden or one-off charges does Currenxie apply?

Currenxie lists few one-off charges on its pricing page, and links to a separate help-centre schedule of additional and non-standard fees, which we could not open, so those fees are not listed here.¹

Currency holding: INR cannot be held in the Global Account; it is a payout currency only.¹⁴
Held or returned payments: Currenxie's terms allow it to hold, reject or return incoming payments under its compliance policies.⁵
Additional virtual account: USD 8.00 one-time per account.¹
Non-standard fees: Listed on a separate help-centre schedule we could not open.¹

Currenxie does not publish, as of October 2026: whether an India-registered company can open a Global Account, any FIRA, FIRC or e-BRC or purpose code handling, the time for an INR payout to reach an Indian bank, per-transaction or account limits, or any fee for marketplace and gateway collections separate from the local collection fee.¹³⁵

How can you reduce Currenxie fees?

Currenxie fees are lowest when payments arrive by local transfer and are converted and paid out in fewer, larger batches, since the transfer fees are flat.¹

Use local collection: USD 0.75 per local payment against USD 8.00 per SWIFT payment.¹
Batch INR payouts: The USD 3.00 INR payout fee is per transfer.¹
Check eligibility first: Currenxie does not open accounts for sole traders and does not publish whether India-registered companies are accepted.¹³

How do Currenxie fees compare with other platforms?

Currenxie publishes no route for an India-resident exporter, so its cost for an Indian exporter is not estimated and it sits after the providers that publish full pricing.¹²³ The table is ordered by estimated cost on a USD 5,000 receipt, cheapest first, using each provider's published fees, FX markup and GST where published; providers without full published pricing follow, A to Z.

Platform	Best for	Estimated cost on USD 5,000	Fees guide
Skydo	Local bank transfers from major markets⁶	0.68%⁷⁸⁹	Skydo fees
Razorpay	Local transfers from the US, UK and eurozone¹⁰	1.00 to 1.18%¹¹¹²	Razorpay fees
Karbon Business	US bank transfers and marketplace payouts¹³	1.00 to 1.18%¹³¹⁴	Karbon Business fees
Winvesta	Local transfers with a published per-payment fee¹⁵¹⁶	1.24%¹⁵	Winvesta fees
Currenxie	Companies registered outside India³⁴	Not estimated: no published route for India-resident exporters¹²³	This page

For other options, see Currenxie alternatives and how to receive international payments in India.

How did we verify this?

We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.

Frequently asked questions

How much does Currenxie charge to receive a payment?+

Currenxie charges USD 0.75 per local payment collected into a virtual account and USD 8.00 per SWIFT payment received, as published on its pricing page in October 2026. Collections from marketplaces and payment gateways are paid into a virtual account, and Currenxie does not publish a separate fee for them.¹³

Does Currenxie charge for a FIRA?+

Currenxie does not publish a FIRA, FIRC or e-BRC service, so there is no published Currenxie FIRA fee. Currenxie also does not describe how purpose codes are handled, which matters if you need these documents for GST or income tax records in India.¹³⁵

Is there a monthly fee for a Currenxie account?+

Currenxie lists the Global Account itself as free, with no monthly fee shown. Each additional virtual account costs a one-time USD 8.00, and Currenxie team cards cost a flat HKD 50 per month for up to five, with each further card at HKD 15 per month.¹

Can an Indian freelancer open a Currenxie account?+

Currenxie does not open accounts for sole traders, so an individual Indian freelancer cannot use the Currenxie Global Account. Currenxie also does not publish whether an India-registered company can open a Global Account, so check with Currenxie directly before applying.¹³

Which currencies can Currenxie collect locally?+

Currenxie's network page lists local collection for AUD, CAD, CNH, EUR, GBP, HKD, JPY, MXN and USD. INR is not a currency the Currenxie Global Account holds; India appears only as a local payout destination alongside countries such as Indonesia, Malaysia and Vietnam.¹⁴

Can Currenxie hold or return an incoming payment?+

Currenxie's Global Account terms allow it to hold, reject or return incoming payments under its compliance policies. Currenxie does not publish per-transaction or account limits, so a business expecting large receipts should ask Currenxie about limits and compliance checks before invoicing clients.¹⁵

This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.

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