Quando invii INR, ti chiederemo di specificare il motivo del pagamento. Essendo un'istituzione finanziaria regolamentata, siamo tenuti a raccogliere questa informazione per rispettare le normative vigenti.
Scegliere il codice di causale giusto è importante per garantire che le transazioni siano riportate correttamente e che siano rispettate le regole. Un codice di scopo (purpose code) sbagliato della Reserve Bank of India (RBI) può causare ritardi nel pagamento o addirittura il rifiuto della transazione.
Quali codici di scopo offriamo?
Le opzioni di trasferimento che puoi scegliere dipendono da chi sei: se sei un privato (con un conto personale) o un'azienda. Vedrai le opzioni disponibili quando imposti il trasferimento.
Quando invii dal tuo conto personale a un destinatario personale
| Purpose Code | Context |
|---|---|
| Personal expenses | Payments for personal use, education or medical expenses, or to friends |
| Sending money home to family | Payments to family |
| Savings | Payments for your own savings |
| Property purchase | Payment for purchase of property |
| General monthly living expenses | Payments for day-to-day expenses |
| Deposit to Non-Resident Rupee (NRE) accounts | Payments to NRE accounts |
| Education expenses | Payment to education institutions |
| Loan repayment | Payments to repay a loan |
Quando invii dal tuo conto personale a un destinatario business
Il limite per spedire a ditte in India è di 1,5 milioni di INR al giorno per ogni fattura.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Loan repayment | P0011 | Repayment of loans extended to non-residents | Payments to repay a loan | |
| Education expenses | P1107 | Educational services (e.g. fees received for correspondence courses offered to non-resident by Indian institutions) | Payment to education institutions | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Quando invii dal tuo conto business a un destinatario business
Il limite per spedire a ditte in India è di 1,5 milioni di INR al giorno per ogni fattura.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | ||
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Quando invii dal tuo conto business a un destinatario personale
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Property purchase | P1301 | Inward remittance from Indian nonresidents towards family maintenance and savings. | Payment for purchase of property | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR Services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan |
Quali tipi di trasferimento non sono supportati da Wise?’
Pagamenti verso enti di beneficenza
Trasferimenti commerciali che superano 1,5 milioni di INR per fattura al giorno
Investimenti diretti esteri
Pagamenti degli stipendi in India in INR
Se il codice RBI che vuoi usare non è nella lista qui sopra, al momento non possiamo aiutarti con il trasferimento.
Cosa succede se scelgo un codice di scopo errato?
Scegliere un codice di scopo sbagliato può causare ritardi o il rifiuto della spedizione.
Se il tuo trasferimento non è stato inviato, contatta il nostro team dell'Assistenza Clienti. Il tuo trasferimento verrà annullato e rimborsato.
Se il tuo trasferimento è già stato inviato, non possiamo cambiare il codice di scopo. In questo caso, puoi:
Puoi contattare la tua banca beneficiaria per rifiutare i fondi. Una volta che i fondi saranno stati rifiutati e riaccreditati, saremo in grado di annullare e rimborsare il tuo trasferimento.
Dopodiché dovrai avviare un nuovo trasferimento usando il codice di scopo corretto.
Quale scopo devo scegliere se sto inviando denaro per comprare una casa?
Dipende dalla natura del tuo trasferimento:
Se i fondi sono per un prestito immobiliare, scegli rimborso di prestiti.
Se i fondi sono per una società immobiliare per investimenti immobiliari, allora scegli acquisto di proprietà. Il destinatario deve essere un business.
Se i fondi sono per la famiglia o gli amici per comprare una casa, allora scegli acquisto di proprietà.