Send money to Nepal
Here's how to send a quick, affordable and secure money transfer to Nepal.
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From Pokhara to Kathmandu, find out what money transfer services can help you out. In this guide, we'll go through how you can get the most out of your transfer, plus all the tips and tricks to make sending money to Nepal a breeze.
To send money to Nepal, you'll need to:
- Choose your transfer service. Pick the one that best suits your needs from the table below and set up an account.
- Start your transfer. Add in how much you want to send to Nepal and your recipient's details.
- Lock in the exchange rate. Review both the exchange rate and fee before confirming to make sure you're getting a good deal.
- Send your funds. The money will be transferred to your recipient in Nepal.
How we chose these servicesTop picks are our selection of some of the best money transfer products and services on Finder, but we haven't compared every brand in the market. We've included them on some pages to help you make decisions faster, but keep in mind that our top pick may not always be the best fit for you. Read our full methodology here to find out more.
Compare money transfer services for Nepal
Use the interactive table below to see what your transfer will look like with each of the providers. You can compare minimum transfer amounts, fees and the exchange rate that each service offers.
How to compare money transfer services
- Exchange rates. These will vary depending on the money transfer service you use. Check out the mid-market rate on Google or Reuters to see if you're getting a good deal. Even an exchange rate that's only a few cents more or less can make a big difference.
- Convenient pick-up methods. Some transfer services will offer cash pick-up, which might be important if you're sending the money to a travelling relative who needs emergency cash, or a relative who lives in Nepal and doesn't have a bank account. Other methods might include transferring to a bank account or mobile wallet.
- Flexible transfer methods. Some services will allow you to transfer money online, over the phone, or at specific kiosks such as MoneyGram and 7-Eleven stores. Ensure you choose a service that has a convenient transfer method for you.
- Short transfer times. Cash pick-up is one of the fastest transfer methods, especially if you're paying by card, but it can mean higher fees. Transfers to bank accounts usually take between one and five days depending on the service, but often end up cheaper.
- Transfer amount limits. While most transfer services have large maximum limits, some will have minimum transfer amounts, which can be as small as $1 or as large as $1,000. Keep this in mind if you're planning on making a smaller transfer.
- Reliable customer service. If you'll be using the service regularly, it's a good idea to choose a provider with 24/7 customer service options. This includes phone, email and live chat support to help you along the way.
Exchange rates explainedAn exchange rate determines how much one currency is worth in another currency. When a currency is strong, it yields more money when exchanging it for a weaker currency. Nepal's exchange rate is flexible, which means it can change from moment to moment due to factors such as interest rates, economic stability and inflation.
Below, you can see a real-time update of what the mid-market rate for AUD/NPR is, as well as what it has been historically.
AUD to NPR: Historical rate chart
What ways can I send money to Nepal?
- Local bank. You'll need to speak to your bank to see if they offer money transfers to Nepal. Generally, you'll be hit with higher fees and a worse exchange rate than most online money transfer services.
- PayPal. PayPal is well known for making international payments, but beware of the many fees charged at different stages of the process.
- Money transfer specialist. These services often have better exchange rates, lower fees and more flexible delivery options than your local bank. They're mostly online, so you can't go into a kiosk or a branch to transfer.
- Services with cash pick-up. Often the fastest method of transferring money, but one of the more expensive.
- International cheque. These can be found at your local post office or bank and are sent by mail, making the process quite slow.
Let's crunch the numbers: Two money transfer companies compared
Let's look at how two money transfer companies compare head-to-head. Both of these transfers are for $1,000 to be sent from a bank account in Australia to a bank account in Nepal.
|Money transfer service 1||Money transfer service 2|
|Exchange rate||1 AUD = 81.0486 NPR||1 AUD = 81.7015 NPR|
|Transfer speed||1-2 business days||1 business day|
|Total rupees received||NPR80,724.41||NPR81,292.99|
|Receiver gats||NPR568.59 less||NPR568.59 more|
This is a good example of why you should look at both the fees and the exchange rate. Here, despite the second transfer service having a higher fee, the receiver still ends up with more because the exchange rate is quite a bit better.
Emergency cash transfers in Nepal
If you've lost your wallet and require emergency cash in Nepal, there are a few methods you can use to get some sent to you.
- Transfer service with cash pick-up options. Companies like WorldRemit, Ria and Western Union allow you to pick up cash from designated locations (mentioned in the section below). This can be sent from Australia and made available within 10 minutes. You can have money sent to you online using the transfer service's website.
- Emergency cash through your credit card company. Some credit card companies will give you a small amount of cash if your card is reported as lost or stolen. This cash is designed to help you pay for essentials in the time it takes for your bank to send you a replacement card. To organise this, contact your bank using their dedicated card theft/loss phone line.
- Travel insurance. Your travel insurance plan might provide you with emergency cash in the event of a medical emergency, theft or other circumstances. In most cases, you'll have to provide proof of the emergency, including police reports and more if theft occurred. Always check your policy's Product Disclosure Statements (PDS) before travelling to ensure you'll be covered.
Tips for picking up cash in Nepal
The Department of Foreign Affairs and Trade (DFAT) states that travellers visiting Nepal should "exercise a high degree of caution". You should closely monitor your belongings and know that local strikes can occur without notice, meaning that the businesses you're hoping to pick up money from may be closed. Make sure you don't pick up cash alone, and always visit the DFAT website for updates and information regarding safety and security.
Cash pick-up locations in Nepal
Frequently asked questions
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International Money Transfer OffersImportant Information*
Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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