Send money to India from Ireland
Grey turns euro into rupees and delivers them to an Indian account routed by IFSC code, or straight to a UPI ID. SBI, HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank, Bank of Baroda and Kotak Mahindra Bank are supported. From a funded euro balance the rupees typically arrive within minutes, and the EUR to INR rate sits beside the fee before you confirm.
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Who sends money from Ireland to India
Indian nationals are among the largest work-permit groups in Ireland, and the map of where they live is the map of where the work is. Software and platform engineering in Dublin, pharmaceutical and medtech plants around Cork and Galway, and a very large nursing and allied health workforce inside the HSE, spread across hospitals in every county rather than gathered in one city.
What those households send is rarely a one-off. It is a monthly figure for parents, an EMI that has to be in the loan account on a set date, a college fee with a deadline printed on the letter, and a larger amount once a year when a wedding or a festival lands. The person receiving it does not need a Grey account or an app of ours.
Your euro is converted once, into rupees, and the rupees go into the account or the UPI handle you enter. There is no second currency in the middle of the journey and nothing to change at the Indian end.
How to send money from Ireland to India
Open the account
A Grey account is free and takes about five minutes on your phone. Have a valid identity document ready, a passport, Irish driving licence or Irish Residence Permit.
Put euro on it
Move euro across by SEPA transfer from AIB, Bank of Ireland, Permanent TSB, An Post Money, a Credit Union or Revolut. It lands in the euro balance you send rupees from.
Enter the Indian details
Type the account number and IFSC code, or the UPI ID if that is easier for your family. Check the EUR to INR rate and the fee, then confirm.
What sending euro to India costs
The useful comparison between providers is not the fee line. It is the number of rupees credited, because a quiet margin inside the rate moves that number far more than a stated fee does on any transfer worth sending.
Grey converts once. Euro leaves your balance, rupees arrive in the account, and nothing is changed again at the Indian end. If you send the same amount to the same parents every month, you are comparing like with like each time.
How the EUR to INR rate is fixed
The rate is shown while you are still deciding, and it is fixed the moment you confirm. The rupee figure on that screen is the rupee figure that lands.
That matters most when the amount is not yours to choose. An EMI is a fixed number in a loan account, a semester fee is a fixed number on an invoice, and a hospital bill in Hyderabad is whatever it is. Fixing the rate at confirmation is what lets you send the exact rupee amount rather than something close to it.
Grey next to an international transfer from an Irish bank
An international payment from an Irish bank to India goes out over the SWIFT network. You watch the euro leave, and the rupee figure becomes clear afterwards rather than before. Grey works the other way round: rupees first, on screen, then your confirmation. You may already use Revolut for euro payments inside Europe, but India is not a SEPA country, so the rupee payout and the IFSC or UPI detail are the things to compare rather than the euro leg.
What your family in India actually receives
An ordinary rupee credit, in the account or UPI handle they already use. No Grey account, no app to install, no message asking them to collect anything.
Into the bank account
Enter the account number and IFSC code. Rupees land in SBI, HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank, Bank of Baroda, Kotak Mahindra Bank and other major Indian banks, typically within minutes.
Into a UPI ID
Enter a UPI ID instead and the rupees reach the linked account through Google Pay, PhonePe or Paytm, appearing the way a domestic UPI credit appears.
Grey to Grey
A cousin in Bengaluru who also uses Grey can be paid by GreyTag instead, which is free and instant and skips the IFSC entirely.
Having the euro ready before the Indian deadline
Most India payments from Ireland have a date attached to them. The habit worth forming is topping the balance up ahead of that date rather than on it.
Top up before the due date
EMIs and fee deadlines do not move. Sending euro to your Grey balance a few days early means the rupee transfer goes the moment you want it to.
Keep a working float
Households sending to parents every month tend to leave a month's worth of euro on the balance so the payment is two taps rather than a fresh bank transfer.
Save the recipient once
The account number and IFSC code, or the UPI ID, are stored after the first transfer. Nobody has to text a screenshot of a passbook again.
Every transfer is encrypted and trackable from the moment you confirm to the moment the rupees settle, so you can tell your mother where the money is without guessing.
What Ireland to India money is usually for
Parents and monthly household costs
The standing amount for a household in Chennai, Kochi or Lucknow. Groceries, help at home, medicines, the electricity bill. It goes on the same date each month and the rupee figure is expected.
Home loans and property
An EMI on a flat in Pune or Hyderabad paid from a salary in Dublin. A share of a family purchase. Maintenance charges on an apartment nobody is living in yet.
College fees, weddings and festivals
A semester fee with a date on it. A brother's wedding in Jaipur where the amount was agreed months ago. Diwali money going to four cities in one evening.
Contractors, suppliers and teams
Irish companies pay engineering and support teams in Bengaluru, Hyderabad and Pune. Grey sends rupees to those accounts from a euro balance without a separate business relationship.
Four patterns cover most of it, and the tech salaries in Dublin, the pharma wages in Cork and the HSE payslips in Galway all end up in the same four places.
Why Ireland to India runs well on Grey
One conversion, one rupee figure, and a recipient who does nothing but check their balance
Open the account, move euro across from your Irish bank, and enter an IFSC code or a UPI ID. The EUR to INR rate is fixed when you confirm, the rupees typically arrive within minutes, and the transfer is trackable the whole way.
FAQs
How long does a transfer from Ireland to India take?
From a funded euro balance, rupees typically reach an Indian bank account or a UPI ID within minutes of you confirming.
Can I send to a UPI ID instead of an Indian bank account?
Yes. Enter the UPI ID and the rupees reach the linked account through Google Pay, PhonePe or Paytm, like any domestic UPI credit.
Which Indian banks does Grey pay out to from Ireland?
SBI, HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank, Bank of Baroda and Kotak Mahindra Bank are among the banks supported.
Do I need an IFSC code to send money from Ireland to India?
Yes for a bank payout. Enter the account number with the IFSC code, or use a UPI ID instead if that suits your family better.
Is my euro converted more than once on the way to India?
No. Euro becomes rupees once, before the transfer leaves Ireland, and nothing is converted again when the money reaches the Indian account.
Does my family in India need a Grey account to receive rupees?
No. The rupees arrive as an ordinary credit in their existing bank account or UPI handle, with nothing to install or sign up for.
Can I pay a home loan EMI in India from a salary in Dublin?
Yes. The EUR to INR rate is fixed when you confirm, so the exact rupee figure the loan account needs is the figure that lands.
How do I fund my Grey balance in Ireland before sending rupees?
By SEPA transfer in euro from AIB, Bank of Ireland, Permanent TSB, An Post Money, a Credit Union or Revolut.
Can an Irish company pay a team in Bengaluru or Hyderabad through Grey?
Yes. Rupees go into Indian bank accounts from a euro balance, with the rate and fee displayed before each payment is confirmed.
What identity document do I need to open a Grey account in Ireland?
A valid identity document, such as a passport, Irish driving licence or Irish Residence Permit. The account is free and opens in about five minutes.
Can I send to India if I am paid in US dollars by a multinational?
Yes. Grey balances hold USD provided by Lead Bank, and that money converts into rupees when you send, at a rate shown beforehand.
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