## Receiving EUR, GBP and AED in India

Most guides for Indian freelancers assume a US client. A growing share of work comes from Europe, the UK and the UAE. If you send those clients a USD account or a SWIFT instruction, they either convert euros or pounds into dollars before paying or they pay an international wire fee, and one of you covers the cost.

## How receiving in the client's currency works

You get a virtual account in the currency your client pays in, with local bank details. Your client transfers money to it the way they pay any domestic supplier. The funds convert to INR and land in your Indian bank account, and a FIRA records the payment. DashX offers these accounts in 10+ currencies, with EUR, GBP and AED among the main ones.

| Client location | Currency | How the client pays |
| :---- | :---- | :---- |
| Euro area | EUR | SEPA transfer to an IBAN |
| United Kingdom | GBP | Faster Payments to a sort code and account number |
| United Arab Emirates | AED | Local transfer to a UAE account |

## Why this beats a dollar detour

A German client paying in dollars converts euros to dollars at their bank's rate, then you convert dollars to rupees at yours. Two conversions, two margins. A EUR account removes the first step, because the client pays in the currency they already hold, leaving one conversion on your side at the mid-market rate.

On DashX the conversion is one flat fee of 0.35% with no spread, and the FIRA is on every payment. For what banks charge on wires and how spreads work, see the SWIFT transfers guide and the USD to INR forex guide. The USD payment methods comparison shows the fees on a \$10,000 invoice.

## Invoice in the client's currency

Raise the invoice in EUR, GBP or AED so the client pays the exact amount shown. The rupees you receive depend on the rate at settlement, and the FIRA records both the foreign amount and the INR credited. Report the INR amounts in your return, and use the export invoice format so place of supply, currency and payment details are clear.

## Tax on the invoice

A business client abroad pays no Indian GST on your invoice when you export under an LUT, which the LUT guide explains. You also generally do not add the client's VAT, because for business-to-business services the client accounts for VAT in its own country under reverse charge. Ask the client for their VAT details and confirm with your CA, since consumer sales follow different rules.

## Paperwork to keep

Every payment needs a FIRA with a purpose code that matches your service. The RBI's October 2026 export rules changed what service exporters declare each month, so read the EDF guide if you invoice foreign clients regularly. For a comparison of providers, see the best payment platform for freelancers.

[DashX](https://dashx.xyz/) operates through RBI-authorised AD Category I banks (JP Morgan and HDFC) and PA-CB licensed partners. Create your EUR, GBP or AED account in the app. [Try DashX](https://gateway.dashx.xyz/login?redirect=%2F).

---