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Thomas Cook India international money transfers

Send money overseas using Thomas Cook India international money transfers.

Thomas Cook is one of India’s oldest travel and travel-related financial services companies and has its headquarters in Mumbai. It started operations in 1881 and currently provides a range of travel services such as foreign exchange, domestic and international vacations, travel insurance, passport and visa services. Thomas Cook started its “Send Money Abroad” operations in early 2013, allowing its customers to transfer money to the bank account of beneficiaries in more than 120 countries across the globe.

Thomas Cook India foreign exchange rates

Thomas Cook India’s website has a section where live foreign exchange rates are displayed. As an example, we have listed the exchange rates for the currencies in which you can make international money transfers through Thomas Cook India. These rates are correct as on 14 May 2018.

Currency codeCurrencyRemittance rates
AUDAustralian dollar52.35
CADCanadian dollar53.8
CHFSwiss franc68.85
GBPBritish pound93.3
JPYJapanese yen0.64
NZDNew Zealand dollar48.5
SGDSingapore dollar52.45
USDUS dollar68.65

Keep in mind that the rates displayed do not take into account the transfer fees and any charges by the beneficiary bank.

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How much does it cost to transfer money with Thomas Cook India?

Thomas Cook India charges a flat transfer fee of INR750 for each money transfer. The sender also has to pay Goods and Services Tax (GST) as per Indian tax laws. Apart from this, either the sender or the recipient has to bear the foreign bank charges, which vary depending on the currency that you are looking to transfer (eg US$13 for transferring US dollars).


Screenshot of booking summary page at Thomas Cook India

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Minimum transfer amount and available countries

The minimum amount you can transfer using Thomas Cook India depends on the currency you are transferring. The various minimum transfer amounts are listed in the table below.

CurrencyMinimum transfer amount
Australian dollarAUD50
British poundGBP50
Canadian dollarCAD50
Japanese yenJPY50
New Zealand dollarNZD50
Singapore dollarSGD50
Swiss francCHF50
US dollarUSD50

Before initiating any transfer, you should be aware of the Indian regulations governing international money transfers. Indian nationals can transfer a maximum of US$250,000 or its equivalent in an Indian financial year. This is also the maximum limit for overseas money transfers by an Indian national using Thomas Cook India.

You can transfer money to bank accounts of beneficiaries in more than 120 countries using Thomas Cook India. Contact Thomas Cook India’s customer support if you are unsure whether it supports money transfers to the country you are looking to transfer to.

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    What types of transfers can you carry out with Thomas Cook India?

    • Wire transfers

    Thomas Cook India can help facilitate an international money transfer (TT/Swift Transfer) to bank accounts in more than 120 countries across the world.

    The registration and transfer process

    You don’t need to have an account with Thomas Cook India to make a wire transfer. The steps are pretty simple.

    • Step 1. Select the currency and the amount you want to transfer.
    • Step 2. Fill in your email address and mobile number, and select the state and city where your nearest Thomas Cook India branch is located.
    • Step 3.The next screen will show the total payable amount.
    • Step 4. Select the purpose of the money transfer.
    • Step 5. You can choose to pay the full amount now by National Electronic Funds Transfer (NEFT) or Real Time Gross Settlement (RTGS) transfer through your bank account. Alternately you can pay 4% of the total payable amount now (by NEFT or RTGS) to lock the exchange rate for 2 days. Another option is for you to pay the entire amount at the Thomas Cook India branch by demand draft or cheque. However, if you opt to pay at the branch, the prevailing exchange rate will be applicable.
    • Step 6. Fill in the beneficiary details, including the bank SWIFT code.
    • Step 7. Submit the order.
    • Step 8. Go to the Thomas Cook India branch to complete Know Your Customer (KYC) formalities and process the money transfer request.

      The money is usually credited in the beneficiary account within two working days.

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      Customer service

      Get access to a Thomas Cook India customer service representative over email, over the phone (8am IST to 8pm IST) or in person at one of its outlets. Thomas Cook India also has an Android app that you can use to get in touch with its representative.

      Pros and cons of using Thomas Cook India


      • Low minimum amount.
      • You can lock the exchange rate for 2 days by paying 4% of the total payable amount.
      • Flat transfer fee of INR750.
      • You can transfer to bank accounts in more than 120 countries.


      • A number of currencies are not supported so you may need to use an alternative provider if you’re sending an exotic currency.
      • You have to physically go to a Thomas Cook India branch to complete the formalities for the wire transfer.
      • Thomas Cook India is licensed to provide forex services to Indian nationals only.
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      What other products and services does Thomas Cook India offer?

      • Buying and selling foreign currency. You can buy and sell foreign currency notes through Thomas Cook India.
      • Forex travel card. Thomas Cook India can issue prepaid forex travel cards (multi-currency and single currency) in eight currencies.
      • Holiday packages. Thomas Cook India can arrange custom domestic and international holiday packages for you.
      • Visa services. You can avail Thomas Cook India’s comprehensive visa services to help you with procuring a visa for travel to various countries.
      • Travel services. Thomas Cook India offers a wide range of travel services such as flight bookings, hotel bookings, travel insurance etc.

      How does Thomas Cook India compare to other providers

      Name Product Minimum Transfer Transfer Time Transfer Fee
      Wise (TransferWise)
      USD 1
      1-2 days
      Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
      INR 80
      1 day
      Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees.
      INR 4,000
      1-2 days
      Exclusive: Use code FINDER10 to receive US$10 off your first transaction.
      InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers.

      Compare up to 4 providers

      Frequently asked questions about Thomas Cook India

      A final word

      Thomas Cook India is a renowned Indian company that has been specialising in travel services for more than 100 years, having branches in all Indian tier-1 and most tier-2 cities. As such, it can be a good alternative to major Indian banks if you want to transfer money from India to other countries. However, you should compare the exchange rates it offers against those offered by other providers before opting for it as your provider of international money transfer services.

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      Image: Thomas Cook India

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