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

Winvesta's Global Collections Account lets an Indian freelancer or business receive money from abroad into local or SWIFT account details and withdraw it to an Indian bank in rupees.¹⁰ This page sets out what Winvesta publishes about the cost, as of October 2026.¹ For how the account works and its regulatory set-up, see the Winvesta review.

Winvesta's pricing is per currency and depends on monthly volume.¹ The amounts below are as Winvesta states them; ask Winvesta to confirm the fee for your currency and volume.

What are Winvesta fees at a glance?

Winvesta fees at a glance are 0.99% plus a fixed fee per transaction on the standard plan, custom pricing at mid volume, and a flat 0.2% above 100,000 a month in a currency.¹ The standard plan fixed fees, as published:¹

Winvesta charges the same collection fee whether the client pays by local transfer or SWIFT.¹

How does Winvesta charge Indian users?

Winvesta charges Indian users a collection fee per transaction that depends on currency and monthly volume, with GST on top for non-JPMC accounts.¹

• Transaction fee: 0.99% up to 2,000 a month per currency; custom from 2,000 to 100,000; 0.2% above 100,000.¹
• FX markup: Winvesta advertises "0% forex markup" and "ZERO FX on USD".³
• Withdrawal fee: No fee is published for a standard withdrawal; priority withdrawal on USD typically costs $15 to $25 extra.¹⁶
• Fixed fee: $3 on USD, EUR 5, GBP 5 and other amounts by currency on the standard plan.¹

Winvesta does not explain which accounts count as JPMC accounts for its GST note.¹

What does Winvesta charge by payment method?

Winvesta charges by payment method as follows: the published collection fee for bank transfers, and an unpublished card fee for payment links.¹⁷

Winvesta's FAQ uses 3% only as an example of a card fee and says GST applies to the MDR, not to the full payment.⁸ Winvesta gives card settlement as T+1 working day in one FAQ and T+2 days on its payment links page.⁷⁹

What is the Winvesta currency conversion fee and FX markup?

Winvesta advertises "0% forex markup" and "ZERO FX on USD" for the Global Collections Account, and does not publish which reference rate it uses.³ After each withdrawal, Winvesta shows the exact FX rate applied and the time it was booked.⁴

For example, a partial worked example is possible for a $1,000 USD receipt on the standard plan, stopping before conversion to INR:¹

That is a fee of 1.29% of the receipt, or about 1.52% with GST, before any difference between Winvesta's rate and the market rate.¹ To check what you receive, compare the INR credited with the same-day USD to INR rate.

What are Winvesta withdrawal and settlement fees?

Winvesta publishes no fee for a standard withdrawal to an Indian bank account in INR, and charges extra only for priority processing.¹⁶

• Payout: Winvesta pays out when the user requests a withdrawal to an Indian bank account in INR.¹⁰
• Timing: USD withdrawals reach the bank one business day after processing, and EUR and GBP withdrawals two business days after, with a 1:00 PM IST cut-off.⁵
• Priority processing: USD priority withdrawals typically cost an additional $15 to $25; non-USD fees vary.⁶
• e-FIRA: Free, emailed within 24 hours of funds reaching the Indian bank account, with the purpose code and exchange rate shown.²³

See FIRC vs FIRA vs e-BRC for how the e-FIRA fits your records.

Is GST charged on Winvesta fees?

Yes, Winvesta says 18% GST is levied on its fees for every non-JPMC account.¹

• Collection fee: 18% GST on the fee, for non-JPMC accounts.¹
• Card fee: GST applies to the MDR, not to the full payment.⁸
• JPMC accounts: Not explained by Winvesta.¹

GST is charged on Winvesta's fee only, not on the amount your client sends.¹⁸

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

The INR you receive with Winvesta on $2,000, $5,000 and $10,000 is shown below, computed from Winvesta's standard plan fee, 18% GST and its advertised 0% markup at today's reference rate.¹³ The standard plan covers collections up to 2,000 a month per currency, so larger amounts may move to custom pricing.¹

What hidden or one-off charges does Winvesta apply?

Winvesta publishes one optional charge beyond the collection fee, priority withdrawal, and leaves several other costs unpublished.¹⁶⁷

• Priority withdrawal: Typically $15 to $25 extra on USD; non-USD fees vary.⁶
• Card fee: The MDR on card payment links is not published.⁷
• Mid-volume pricing: Custom from 2,000 to 100,000 a month per currency, not published.¹
• Sign-up reward: Winvesta's product page offers a reward for signing up, without stating its value.³

Winvesta does not publish an account opening, monthly or minimum balance fee for the Global Collections Account.¹¹⁰

How can you reduce Winvesta fees?

You can reduce Winvesta fees by sending fewer, larger receipts on the standard plan, because the fixed fee applies to every transaction.¹

• Combine invoices: the $3 fixed fee on USD is a larger share of a small receipt.¹
• Skip priority processing: a standard withdrawal carries no published fee.¹⁶
• Ask about volume pricing: above 100,000 a month in a currency, the fee drops to 0.2% with no fixed fee.¹

For example, a tutor receiving four $250 payments pays the $3 fixed fee four times, while one $1,000 payment pays it once.¹

How do Winvesta fees compare with other platforms?

Winvesta fees compare with other platforms as shown below, sorted by estimated cost on a USD 5,000 receipt on published fees, cheapest first.¹³

For other routes, see Winvesta alternatives, Wise vs Winvesta and the international payment fee calculator.