Frequently asked questions

About 30 currencies — US dollar, euro, pound, dirham, Singapore, Australian and Canadian dollars, baht, yen, Swiss franc, riyal and more. See the full rate card. For less common currencies, call ahead so we can arrange stock.

Up to USD 3,000 equivalent in notes per traveller per trip. The rest of your travel money goes on a forex card. Travellers to Iraq and Libya can take up to USD 5,000 in notes, and to Iran, Russia and other CIS countries the full amount in notes.

Yes. Add each currency to the same order; the limits apply to the total.

No. We give the denominations we have in stock and cannot cancel an order because of the mix. If a currency runs short after booking, we may reduce the amount to what is in stock and tell you before handover; the difference is refunded.

Up to 60 days before your departure.

Physical cash costs more to import, store, insure and handle, so notes carry a wider spread than cards or transfers.

Through the day, with the interbank market. Your rate is fixed when you lock it with a booking deposit or pay in full.

Yes, at our buying rate. Bring your passport (with the arrival stamp), PAN, Aadhaar and a cancelled cheque. How selling works.

Up to USD 2,000 in notes for future travel, for as long as you like. Anything above that should be sold or deposited within 180 days of your return.

Yes, on the Currency Declaration Form, if notes exceed USD 5,000 — or notes and travellers' cheques together exceed USD 10,000. You need the form to sell those notes in India later.

Usually not. Notes with tears, tape, writing or stains, and withdrawn series (such as old paper pound notes), are refused by overseas banks, so we cannot buy them.

No — coins cannot be exported back to the issuing country economically.

No. Traveller's cheques are hardly accepted abroad any more; a forex card does the same job and is easier to use.

Usually not — airport counters often have wider spreads. Booking ahead with us also lets you lock the rate.

A prepaid card loaded with foreign currency in India. You spend abroad from that balance, so the rate is fixed when you load. It is not linked to your bank account.

For spending in the loaded currency, usually yes: no foreign-currency markup on each swipe, and the rate is locked. Keep a credit card as a backup and for hotel deposits.

For holidays and business trips we issue, load and encash the card ourselves. Student cards are provided through our card partner. We tell you the issuer, network and fee schedule before you pay.

A multi-currency card holds separate wallets for the major currencies. Load the currency of each country you will visit.

The card converts from another wallet and adds a cross-currency charge. Load the right currency to avoid it.

Yes, from Reload my card — for the same trip no new documents are needed. A reload is not allowed after the trip has ended. Reload rules.

For students, yes — an immediate family member can pay from their own account. For other travellers, the reload is paid from the cardholder's own account.

Yes, while it is valid. Upload the new visa and the round-trip ticket; the rest of your KYC is reused.

At ATMs showing the card network logo. The ATM may charge a fee, plus the issuer's withdrawal fee. Withdraw larger amounts less often.

No. That is dynamic currency conversion and its rate is usually poor. Always pay in the local currency.

Often, but the deposit is blocked from your balance and released days after check-out. A credit card is better for deposits.

In the card issuer's app or website, at an ATM, or by the issuer's SMS service.

The issuer's schedule covers issuance, reload, ATM withdrawal, balance enquiry, cross-currency and replacement charges. We share it with your quote. See forex cards.

Block it immediately through the issuer's 24×7 helpline or app, then call us. Your balance is safe once blocked. Step-by-step.

Reset it in the issuer's app or call the helpline. Never share your PIN or an OTP with anyone.

Ask us to encash it. The balance is paid to your bank account at the card encashment rate. Bring passport, PAN, Aadhaar, the arrival stamp and a cancelled cheque.

It is meant for spending abroad. Do not use it for payments in India.

Until the expiry date printed on it — usually several years.

Yes: the first trip on a new work or immigrant visa, the first trip on a Canada super visa (PG-1), and visitor trips without a return ticket (until you send the return ticket).

When the student visa, the course or the passport has expired. Then send money to the student's own account by bank transfer instead.

No. Aabhushan Forex & Jewels Private Limited is a money changer; transfers are carried out by our authorised partner bank or dealer. You book with us, we check your documents, and you pay the partner directly.

Book online — choose the purpose, country and amount; upload documents; add the receiver; sign Form A2; pay the partner bank by UPI, net banking or NEFT. We share the SWIFT copy once it is sent. Start.

Documents handed to the bank branch before 2 pm are processed the same working day, and the SWIFT copy is shared the next working day. Credit to the beneficiary then depends on the receiving bank.

The exchange rate, the partner bank's transfer charges, GST on the conversion and any TCS — all shown before you pay. GoRemit charges you nothing for arranging the transfer.

They decide who pays bank charges along the route. OUR: you pay all, so the full amount arrives — best for fees. SHA: shared. BEN: the receiver pays. Explained.

An intermediary or the receiving bank deducted its charges. Choose OUR next time when the exact amount matters.

Full name and address, account number or IBAN, the bank's SWIFT code, and the local code: ABA routing (USA), sort code (UK), transit and institution (Canada), BSB (Australia). Use our checker.

Education, living costs of students, maintenance of close relatives, gifts, medical treatment, emigration, and other purposes permitted under LRS.

Lottery, betting and gambling; margin or leveraged trading on overseas exchanges; and payments to countries or entities under restrictions.

Under LRS a resident can send money to their own account abroad for permitted purposes. Ask us first — it is handled differently from family or gift transfers.

Not for maintenance or gift transfers. The receiver must be the relative.

Spouse, parents, children and their spouses, siblings and their spouses, and others as defined in the Companies Act. Proof of relationship is needed.

The bank's confirmation of the transfer, with its reference. It proves the money was sent and helps trace it.

The partner bank converts the returned amount to rupees at its rate on the day, less any charges deducted abroad, and refunds your account. Check the receiver's details before resending.

No. Transfers are paid from your own bank account to the partner bank.

LRS does not apply to Nepal and Bhutan, which use Indian rupees. Ask us about your case.

Yes, for institutions or embassies that require one — issued through our partner.

By bank transfer to the university, through our partner bank or the university's payment platform, with charges paid by you (OUR). Pay the fee.

Yes — deposits and first-year fees are usually paid before the visa, against the offer letter or invoice.

Either. The payer's PAN is used for LRS and TCS, and the payment comes from the payer's own account.

A deposit with a Canadian bank that proves living funds for the study permit. You open it with the bank; we send the money. GIC guide.

Open it with a provider such as Expatrio, Fintiba or Coracle, then we send euros with your reference. How.

Passport, PAN, Aadhaar, the admission letter (I-20, CAS, CoE or offer letter), the visa once issued, and the fee invoice for fee payments.

Up to USD 3,000 equivalent in notes per trip, for immediate expenses. Put living costs on a student forex card.

Nil if paid from an eligible education loan. From own funds, nil up to ₹10 lakh of LRS in the year and 2% above it.

Yes — reload the student forex card or send a bank transfer to the student's own account.

The first rent and deposit can be paid to the landlord from India with the rent agreement. After that, send money to the student's own account for rent.

USD 2,50,000 per person per financial year (April to March), across all banks and money changers, for all permitted purposes together.

Yes. A parent or guardian signs Form A2 on the minor's behalf.

Tax collected at source on your foreign exchange once your LRS total crosses ₹10 lakh in the year. It is credited to your PAN.

Education from a loan: nil. Education or medical treatment from own funds: 2% above ₹10 lakh. Overseas tour packages: 2%. Travel forex and other purposes: 20% above ₹10 lakh. Details.

No. It appears in your Annual Information Statement and is set off against your income tax or refunded through your return. How to claim.

No — per person per financial year, across all your LRS transactions.

Yes, Form 27D, after the quarterly TCS return is filed.

GST on a slab of the rupee value: 0.18% up to ₹1 lakh (minimum ₹45); ₹180 plus 0.09% from ₹1 lakh to ₹10 lakh; ₹990 plus 0.018% above ₹10 lakh, capped at ₹10,800. Plus GST on any service charge.

No. It is the company's transaction, so there is no TCS on the employee.

Your LRS declaration — purpose, amount and what you have already used this year. Explained.

Passport (photo and address pages), PAN, Aadhaar (front and back), the visa where needed, and the full round-trip air ticket. Full list.

Yes, for every forex purchase and transfer.

For a holiday or family visit, yes, with a tentative return date and a declaration — one load until you send the return ticket. Business trips need a confirmed return.

Foreign exchange under LRS is for residents of India. NRIs and foreign visitors can sell foreign currency to us with their passport.

Only if you are again a resident of India under FEMA — with a full passport copy, your last three income-tax returns, a residency declaration and our compliance officer's approval.

No. The traveller must collect or receive delivery in person, with original documents.

Yes. They are encrypted when stored, seen only by our staff, and stamped with your order reference and purpose. Please don't send them on WhatsApp or e-mail. See trust and safety.

The second side or page carries the address, which KYC rules require. Our records keep only the last 4 digits of the Aadhaar number.

No. Log in with your PAN and mobile to reuse your saved KYC; only trip documents such as the visa and ticket are new.

Pay a 2% booking deposit online; the rate is locked from that moment. How it works.

UPI, net banking, NEFT/RTGS/IMPS or a card — always from the traveller's own account. Cash at a branch only up to ₹49,999.

No — payments from another person's account are refunded. Students are the exception for reloads, which immediate family can pay.

Only the gateway's own charge for net banking and Visa/Mastercard cards, plus GST — shown before you pay. UPI, RuPay debit and bank transfers are free.

From your order's tracking page, by phone or e-mail. We deduct only real costs (rate loss and gateway charges). Refund policy.

About 3 to 10 working days, back to the account you paid from.

Use the secure link in your order e-mail, or Track order with your order number and the code we e-mail you.

Yes, to selected Mumbai pincodes. Same-day delivery across Borivali, Kandivali, Malad, Goregaon, Jogeshwari and Andheri for orders confirmed before 2 pm.

Yes, from any of our 3 offices in Borivali West. See branches.

We e-mail the delivery address (as on your ID) and time for you to confirm. The traveller must be present with original KYC documents. Count the notes or check the card, then give our executive the one-time handover code.

Please count and check before giving the handover code. Once the code is given, the handover is complete and shortfalls cannot be accepted later.

Yes. The company pays from its own account, GST is invoiced to its GSTIN, and there is no TCS on the employee. Business accounts.

Company KYC once, and for each trip a request letter on letterhead plus the traveller's passport, visa and round-trip ticket.

Yes — see partners for referral accounts.

Yes. Aabhushan Forex & Jewels Private Limited, RBI FFMC Licence No. MUM-FFMC-1041-2023. The licence does not mean the RBI guarantees our services.

An FFMC (us) buys and sells foreign currency and loads cards. An AD Category-II can also send specified remittances. An AD Category-I bank handles all foreign-exchange business. Transfers we arrange are done by an AD.

Be wary of "better rates" paid to a personal account, requests for OTPs or PINs, and pressure to act fast. Pay only to our company account or the partner bank. Fraud awareness.

Call +91 83569 24029 or write to hello@goremit.in. If unresolved, write to our Grievance Officer, then to the RBI at cms.rbi.org.in. Grievance redressal.

Up to ₹25,000 per person.

No — Indian rupees are used there. Check the current rules on carrying ₹200 and ₹500 notes before you travel.

Some countries accept UPI for international payments if your bank enables it. Carry a forex card as well.

Yes — ask us to call you at a time that suits you.