Forex & Travel Currency
Simple and compliant foreign exchange services for travel, studies and business, with transparent rates and guidance on limits and documentation.
← Back to all servicesWhat we help you with
- Travel currency in all major foreign currencies
- Forex cards for students and frequent travellers
- Remittances for education fees and living expenses
- Business remittances and vendor payments abroad
- Guidance on RBI/LRS limits and compliant usage
How our forex process works
- Understand your travel or transfer planCountry, duration, purpose and approximate budget.
- Rate quote & option selectionWe share live rates and advise whether cash, card or transfer is best for your case.
- KYC & documentationWe help you arrange the required documents as per regulations.
- Issuance & handoverCurrency or card is issued and handed over safely, with basic do's and don'ts.
Typical documents required
- PAN card and Aadhaar
- Valid passport
- Visa and confirmed travel tickets (for travel forex)
- Offer letter or fee invoice (for education remittances)
- Invoices and basic business documents (for business payments)
Plan your forex with Finex
Tourists, students, parents, freelancers and businesses making outward remittances or travelling for work.
Call UsOther ways
we can help.
Send money abroad
without the guesswork.
Share your destination and amount, and we'll come back with a rate and the exact documents needed.
Common questions
How much money can I send abroad in one year?
Under the RBI's Liberalised Remittance Scheme (LRS), a resident individual can remit up to USD 250,000 per financial year (April to March). The limit is cumulative — education fees, travel, family maintenance and investments all draw from the same allowance rather than having separate limits.
It applies per individual, so parents and a student each have their own limit.
Is TCS charged when I send money abroad for education?
Tax Collected at Source applies once your remittances cross ₹10 lakh in a financial year. Above that threshold it is 2% for education and medical purposes, and 20% for most other purposes.
Where the education remittance is funded by a loan from a recognised financial institution under Section 80E, TCS is not applied even above that threshold, provided it is documented and declared correctly. Getting that paperwork right is part of what we do.
TCS is not an extra tax — it is adjustable against your income tax liability when you file your return.
Forex card or bank transfer — which should a student use?
Usually both, for different jobs. University fees are normally paid by wire transfer directly to the institution. Living expenses, rent and day-to-day spending are easier on a forex card, which locks in a rate and avoids foreign transaction charges on an Indian debit card.