# Abroad Money Transfer **URL:** https://community.goniyo.com/c/students/payments/34.md [Latest](https://community.goniyo.com/latest.md) · [Categories](https://community.goniyo.com/categories.md) · [Tags](https://community.goniyo.com/tags.md) --- ## [🌍 Studying Abroad? Don’t Lose Money on Transfers - Compare Rates Now!](https://community.goniyo.com/t/studying-abroad-don-t-lose-money-on-transfers-compare-rates-now/28401)
**Author:** [@Zahid\_Niyo](https://community.goniyo.com/u/Zahid_Niyo)\ **Replies:** 0\ **Last updated:** [September 23, 2025, 6:53am UTC](https://community.goniyo.com/t/studying-abroad-don-t-lose-money-on-transfers-compare-rates-now/28401 "2025-09-23T06:53:43Z")
Studying abroad is a dream… but let’s be real, sending money for tuition or living expenses can get expensive. The good news? You don’t have to overpay! :tada: :backhand\_index\_pointing\_right: Use this simple to… --- ## [Understanding Currency Conversion Charges](https://community.goniyo.com/t/understanding-currency-conversion-charges/19976)
**Author:** [@Mihika\_Sharma](https://community.goniyo.com/u/Mihika_Sharma)\ **Replies:** 2\ **Last updated:** [June 29, 2025, 1:51pm UTC](https://community.goniyo.com/t/understanding-currency-conversion-charges/19976 "2025-06-29T13:51:57Z")
Understanding Currency Conversion Charges Traveling internationally for studies is exciting, but students need to be aware of extra costs, like currency conversion charges. These fees may seem small, but they can qui… --- ## [9 Essential Documents Required for Foreign Remittance from India](https://community.goniyo.com/t/9-essential-documents-required-for-foreign-remittance-from-india/23020)
**Author:** [@Mihika\_Sharma](https://community.goniyo.com/u/Mihika_Sharma)\ **Replies:** 0\ **Last updated:** [January 24, 2025, 7:07am UTC](https://community.goniyo.com/t/9-essential-documents-required-for-foreign-remittance-from-india/23020 "2025-01-24T07:07:17Z")
9 Essential Documents Required for Foreign Remittance from India In today’s globalized era, international money transfers have become commonplace for education, medical needs, travel, and more. Whether it’s pay… --- ## [How can I manage my finances effectively while studying abroad?](https://community.goniyo.com/t/how-can-i-manage-my-finances-effectively-while-studying-abroad/16526)
**Author:** [@junioressarpee](https://community.goniyo.com/u/junioressarpee)\ **Replies:** 2\ **Last updated:** [October 16, 2024, 7:49am UTC](https://community.goniyo.com/t/how-can-i-manage-my-finances-effectively-while-studying-abroad/16526 "2024-10-16T07:49:21Z")
I am a student going to UK for pursuing Masters in International Hospitality Management at University College, Birmingham. --- ## [What are the best ways to transfer money from India to my foreign bank account?](https://community.goniyo.com/t/what-are-the-best-ways-to-transfer-money-from-india-to-my-foreign-bank-account/16539)
**Author:** [@Mohammad\_Zahid](https://community.goniyo.com/u/Mohammad_Zahid)\ **Replies:** 3\ **Last updated:** [October 16, 2024, 7:45am UTC](https://community.goniyo.com/t/what-are-the-best-ways-to-transfer-money-from-india-to-my-foreign-bank-account/16539 "2024-10-16T07:45:09Z")
I am planning to go abroad (specifically US) for my higher studies. --- ## [What Are SWIFT Charges?](https://community.goniyo.com/t/what-are-swift-charges/19983)
**Author:** [@Mihika\_Sharma](https://community.goniyo.com/u/Mihika_Sharma)\ **Replies:** 0\ **Last updated:** [October 15, 2024, 11:22am UTC](https://community.goniyo.com/t/what-are-swift-charges/19983 "2024-10-15T11:22:39Z")
What Are SWIFT Charges? A Guide for International Transactions When sending money abroad, especially for students, you might encounter the term “SWIFT charges.” If you’re not sure what they are or how they impa… --- ## [Unable to pay using credit card on klook](https://community.goniyo.com/t/unable-to-pay-using-credit-card-on-klook/18107)
**Author:** [@ARYAN\_AGARWAL](https://community.goniyo.com/u/ARYAN_AGARWAL)\ **Replies:** 1\ **Last updated:** [August 5, 2024, 9:24am UTC](https://community.goniyo.com/t/unable-to-pay-using-credit-card-on-klook/18107 "2024-08-05T09:24:34Z")
I loaded 50k Rupees in my niyo global credit card, My current FD limit is 10k. I am not able to do payments using the card. It decline the payment with message that , channel is locaked. I checking my card setting setti… --- ## [Will Niyo Global Debit Card work in Dundee,Scotland?](https://community.goniyo.com/t/will-niyo-global-debit-card-work-in-dundee-scotland/17863)
**Author:** [@Siddharth\_Parikh](https://community.goniyo.com/u/Siddharth_Parikh)\ **Replies:** 3\ **Last updated:** [July 8, 2024, 5:10am UTC](https://community.goniyo.com/t/will-niyo-global-debit-card-work-in-dundee-scotland/17863 "2024-07-08T05:10:17Z")
I wanted to know whether a Niyo Global Debit Card be accepted in Scotland? If not, which type of Niyo Card work in Scotland for POS & ECOM? --- ## [Failed International Payments but money gets deducted.](https://community.goniyo.com/t/failed-international-payments-but-money-gets-deducted/17410)
**Author:** [@tsingh](https://community.goniyo.com/u/tsingh)\ **Replies:** 1\ **Last updated:** [February 5, 2024, 6:26am UTC](https://community.goniyo.com/t/failed-international-payments-but-money-gets-deducted/17410 "2024-02-05T06:26:39Z")
When I try to pay using my card at POS machines in International Stores. 1st time machine shows card declined but second time machine shows payment is successful. It is not happeing at a particular store but different st… --- ## [Hii all, Actually I made the transaction using niyo global forex card initially it was shown payment was declined but after 3 minutes the amount was debited from my account.can anyone help me in this situation](https://community.goniyo.com/t/hii-all-actually-i-made-the-transaction-using-niyo-global-forex-card-initially-it-was-shown-payment-was-declined-but-after-3-minutes-the-amount-was-debited-from-my-account-can-anyone-help-me-in-this-situation/17378)
**Author:** [@maddinenidinesh](https://community.goniyo.com/u/maddinenidinesh)\ **Replies:** 1\ **Last updated:** [January 16, 2024, 5:26am UTC](https://community.goniyo.com/t/hii-all-actually-i-made-the-transaction-using-niyo-global-forex-card-initially-it-was-shown-payment-was-declined-but-after-3-minutes-the-amount-was-debited-from-my-account-can-anyone-help-me-in-this-situation/17378 "2024-01-16T05:26:18Z")
--- ## [International Airport launge access decline ](https://community.goniyo.com/t/international-airport-launge-access-decline/17056)
**Author:** [@Hd](https://community.goniyo.com/u/Hd)\ **Replies:** 1\ **Last updated:** [September 6, 2023, 5:47am UTC](https://community.goniyo.com/t/international-airport-launge-access-decline/17056 "2023-09-06T05:47:40Z")
Why Niyo global card is not working in IGI International Airport launge New Delhi?? --- ## [What are the Niyo TCS limits?](https://community.goniyo.com/t/what-are-the-niyo-tcs-limits/16580)
**Author:** [@Sahil\_P\_Nair](https://community.goniyo.com/u/Sahil_P_Nair)\ **Replies:** 0\ **Last updated:** [August 10, 2023, 8:25am UTC](https://community.goniyo.com/t/what-are-the-niyo-tcs-limits/16580 "2023-08-10T08:25:20Z")
Hello all I have question regarding tax on money which is above 7 lakh. Is there any tax on money above 7 lakh which are of education loan? --- ## [What are overseas remittances?](https://community.goniyo.com/t/what-are-overseas-remittances/16578)
**Author:** [@Olga\_Ilina](https://community.goniyo.com/u/Olga_Ilina)\ **Replies:** 32\ **Last updated:** [May 1, 2022, 7:20am UTC](https://community.goniyo.com/t/what-are-overseas-remittances/16578 "2022-05-01T07:20:51Z")
How much time it takes to credit the amount if someone sent the money from UK to my niyo global account --- ## [Did you book any flight ticket or hotels or holiday activity in other currencies!?](https://community.goniyo.com/t/did-you-book-any-flight-ticket-or-hotels-or-holiday-activity-in-other-currencies/16552)
**Author:** [@junioressarpee](https://community.goniyo.com/u/junioressarpee)\ **Replies:** 0\ **Last updated:** [August 9, 2023, 10:00am UTC](https://community.goniyo.com/t/did-you-book-any-flight-ticket-or-hotels-or-holiday-activity-in-other-currencies/16552 "2023-08-09T10:00:26Z")
Just wanted to give it a try! --- ## [Can insaurance be waived?](https://community.goniyo.com/t/can-insaurance-be-waived/16546)
**Author:** [@AryaM](https://community.goniyo.com/u/AryaM)\ **Replies:** 0\ **Last updated:** [August 9, 2023, 8:35am UTC](https://community.goniyo.com/t/can-insaurance-be-waived/16546 "2023-08-09T08:35:24Z")
Guys when universities say that the insurance can be waived if we have US equivalent policy what does equivalent mean here? Should the amount be covered in US Dollars and that’s it or is it more than that? --- ## [What are the currency conversion charges, and how can I get the best exchange rates?](https://community.goniyo.com/t/what-are-the-currency-conversion-charges-and-how-can-i-get-the-best-exchange-rates/16533)
**Author:** [@Sahil\_P\_Nair](https://community.goniyo.com/u/Sahil_P_Nair)\ **Replies:** 1\ **Last updated:** [August 9, 2023, 8:19am UTC](https://community.goniyo.com/t/what-are-the-currency-conversion-charges-and-how-can-i-get-the-best-exchange-rates/16533 "2023-08-09T08:19:28Z")
I’m fixing my university for my higher studies. --- ## [How can I make international payments for tuition and other expenses?](https://community.goniyo.com/t/how-can-i-make-international-payments-for-tuition-and-other-expenses/16521)
**Author:** [@AryaM](https://community.goniyo.com/u/AryaM)\ **Replies:** 0\ **Last updated:** [August 8, 2023, 7:27am UTC](https://community.goniyo.com/t/how-can-i-make-international-payments-for-tuition-and-other-expenses/16521 "2023-08-08T07:27:25Z")
Anyone who has lived in US can answer this? --- ## [About 20% TCS charge after 1st July 2023](https://community.goniyo.com/t/about-20-tcs-charge-after-1st-july-2023/15394)
**Author:** [@RazaDroid](https://community.goniyo.com/u/RazaDroid)\ **Replies:** 2\ **Last updated:** [April 22, 2023, 7:45am UTC](https://community.goniyo.com/t/about-20-tcs-charge-after-1st-july-2023/15394 "2023-04-22T07:45:27Z")
As the budged there is 20% TCS For International Transaction, will it effect the niyo sbm debit and niyox card? --- ## [0.5% TCS on student loan amount](https://community.goniyo.com/t/0-5-tcs-on-student-loan-amount/13190)
**Author:** [@Sahil\_Batham](https://community.goniyo.com/u/Sahil_Batham)\ **Replies:** 4\ **Last updated:** [September 14, 2022, 9:40am UTC](https://community.goniyo.com/t/0-5-tcs-on-student-loan-amount/13190 "2022-09-14T09:40:45Z")
Hi, I have read that the TCS on student loans changes to 0.5% from 5% which is the standard rate. Do I have to send some application across to the niyo team for this change of rate on my account? --- ## [Paying college fees through the card](https://community.goniyo.com/t/paying-college-fees-through-the-card/13465)
**Author:** [@yash\_chhadva](https://community.goniyo.com/u/yash_chhadva)\ **Replies:** 1\ **Last updated:** [September 2, 2022, 7:57am UTC](https://community.goniyo.com/t/paying-college-fees-through-the-card/13465 "2022-09-02T07:57:43Z")
If my parents send money to my account and I pay my college fees (in USD), then can they claim the tcs in next financial year if the transaction is above 7lacs? --- ## [About usage of NiyoX debit card overseas](https://community.goniyo.com/t/about-usage-of-niyox-debit-card-overseas/8398)
**Author:** [@Yashie](https://community.goniyo.com/u/Yashie)\ **Replies:** 14\ **Last updated:** [August 10, 2021, 9:34am UTC](https://community.goniyo.com/t/about-usage-of-niyox-debit-card-overseas/8398 "2021-08-10T09:34:14Z")
Hello Team Niyo, I was wondering, can I use the NiyoX debit card overseas on the foreign lands. If yes, then what are the charges that I’ll have to pay for carrying out the transaction. Thanks in advance … --- ## [Outward Remittance](https://community.goniyo.com/t/outward-remittance/1828)
**Author:** [@himadrisdebnath](https://community.goniyo.com/u/himadrisdebnath)\ **Replies:** 1\ **Last updated:** [August 5, 2020, 12:46pm UTC](https://community.goniyo.com/t/outward-remittance/1828 "2020-08-05T12:46:10Z")
Hi, I have a Investment and trading account overseas (HK & USA) . Can I fund my trading account using my debit card