Here’s How You Can Send Money From Nepal to Abroad Legally

Are you looking for ways on how to send money from Nepal to abroad in a legal way?

You are on the right page!
In this blog post, I have compiled the most accurate information you need to know about sending money to foreign countries like the US, Australia, India, Canada, Bangladesh etc.

Sending money outside of Nepal isn’t as easy as sending money to Nepal. By now, I’m pretty sure you have already found out this. But let me assure you, there are legal ways that you can adhere to send money from Nepal.

I have presented information hereunder the different ways an individual, business or student can make use of to transfer money from Nepal to foreign countries.

How to Send Money to Nepal from Australia

NRB’s regulation and the ease of sending money from Nepal

Nepal Rastra Bank (NRB) regulates and governs everything related to the financial sector in Nepal including banks, foreign exchanges, remittances, payment wallets. NRB has imposed strict regulations on sending money outside from Nepal.

Or we can say the regulations for flowing currency outbound isn’t much friendly in comparison to the other countries. NRB doesn’t allow sending money abroad without proper banking channels, procedures and permissions. There are a set of strict guidelines, requirements and methods to follow if you need to perform such transactions from Nepal.

There is light at the end of the tunnel.

Yes, there is always light at the end of the tunnel. Don’t lose your hope yet! Following the official regulations, you may be able to achieve this soon.

How to send money abroad from Nepal

Well, let me share with you what you are eager to know. While it is hard to wire money from Nepal to other countries it isn’t impossible. What you need to make sure is you meet the criteria of Nepal Rastra Bank and follow the guidelines provided.

Here’s how you can send money from Nepal to abroad:

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sending money abroad as a student/ for educational purposes

One of the most common reasons Nepali are sending money outside is for educational purposes. Each year thousands of Nepali youth go to foreign countries like the US, Australia, New Zealand, Japan, Korea, UK, Canada, India and Bangladesh for education.

If you are a student or if you are sending money from Nepal to your family member who is a student abroad you don’t need to worry much. All you need to do is visit your nearest licence A class bank or B class bank with necessary documents like No Objection Certificate and relevant documents bank will help you to do a SWIFT transfer on your behalf.

If you want to know how to make a No Objection Letter, check this blog I published earlier.

  • NOC letter is required to send money from Nepal to abroad for educational purpose
  • a student or his/ her family can send money on the student’s behalf
  • most A-class banks in Nepal provide this service

Updated List of A-class Banks in Nepal with paid-up Capital

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sending money to other countries from Nepal as an individual

If you aren’t sending money abroad for educational or for business purposes, as an individual you might be surprised to know that there are very limited options for you. Because of NRB’s regulation, it is almost impossible to send money for an individual who isn’t a student or not for business.
But still, you might be able to achieve this in one way or another.

  • if you have got a USD bank account in Nepal it might be possible for you to send/ pay money abroad via an online transaction
  • if you have or is eligible to obtain a travel card, you can use the card to pay for purchases online
  • you can obtain a credit card from A- class banks in Nepal for the value of up to USD 500 a year which you can utilise to spend online

as a business organisation

You might be paying a foreign registered company for a service or a product you are consuming for your business. If you are looking for a solution to wiring money abroad for business purposes there are certain documents and procedures to follow.

  • you’ll need supporting documents including invoices from the foreign businesses you are paying for and invoiced for your company/ business
  • you need to visit the nearest banks providing these services with documents, receiver details and your business details
  • the bank will make a telegraphic transfer (TT) most possibly a SWIFT transfer to your destination

sending money abroad for medical reasons

NRB allows applicants to be able to send money from Nepal to foreign countries except India for medical and hospital expenses.

  • you can send up to USD 10,000 (Ten thousand US Dollars) a year through approved banks and financial institutions upon completing required documentation and procedures
  • for the amount above USD 10,000 sender need to obtain special permission from Nepal Rastra Bank for medical purposes

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Illegal ways of sending money abroad from Nepal

Well, I suggest you do not go through these channels but since this is an informative blog, I think it is needed to write about these methods as well.
Hundi is one of the ways people do money transfers around the world. As the transaction is done outside of the regulated banking channels, NRB considers hundi to be illegal.

Use of payment platforms like PayPal and Payoneer
While it is not any problem to use your own genuine PayPal account, many people in Nepal make use of their family and friends’ PayPal account or create a Payoneer account to do international transactions. NRB considers this as illegal if the transactions aren’t going through Nepali banks.

One easy and simple way of sending money overseas is if I have a friend in country X, I might tell my friend to pay on my behalf for the purchase I make there and I’ll pay the equivalent amount to his family here in Nepal. While this looks authentic and genuine transaction, this is regarded as money laundering and illegal as it stops the foreign currency from flowing into Nepal.


How to send money from Nepal to Australia?

You can send money to Australia from Nepal by visiting approved banks if you meet the requirements set by Nepal Rastra Bank (NRB) and provide supporting documents.

Can you send money from Nepal to abroad with remittance companies like Western Union, IME, WordRemit?

No, it isn’t possible to remit money outside of Nepal with remittance companies.

How to send money to Canada and the US from Nepal?

To send money from Nepal to the countries like the US, the UK, Canada, India and Bangladesh for approved reasons you have to visit the nearest A class or B class banks and provide necessary documents and follow the process.

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About the Author
Lakshman Basnet
Nepali Digital Media Marketer currently based in Adelaide, South Australia who apart from playing with his cat - Eleven, also enjoys developing web content, publishing blogs and YouTube videos in his free time.

5 thoughts on “Here’s How You Can Send Money From Nepal to Abroad Legally”

  1. Hello Sir,
    Now I am in Nepal and I am planning to hire immigration consultancy in Canada. Can I send the Money from Nepal to Canadian Immigration Consultancy?
    Expecting your perfect solutions.

  2. If the person is jobless for the past two years and family members from Nepal want to help so that the person may not be left stranded in US.Why Nepal bank and Western Union refused to send money.This is ridiculous.


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