RBI-approved framework
Now connected to your invoices, income, GST and tax records in Variabl.
USD
EUR
GBP
SGD
AUD
AED
CAD
CHF
JPY
HKD
NZD
SEK
SAR
QAR
ZAR
PLN
THB
MXN
DKK
NOK
USD
EUR
GBP
SGD
AUD
AED
CAD
CHF
JPY
HKD
NZD
SEK
SAR
QAR
ZAR
PLN
THB
MXN
DKK
NOK
32+ currencies accepted. Add more currencies any time. Settled in INR to your Indian bank.
A real international account, not another payment app bolted onto your workflow.
Share local account details with clients, platforms and partners abroad; they pay like it's a local transfer.
Live mid-market rates, zero FX markup, one all-inclusive fee, no spread hidden in the exchange rate.
INR lands in your Indian bank within 24 hours, with a downloadable Payment Advice (FIRA) on every payout.
Maya AI matches every payment to its invoice and keeps the record prepped for GST, income tax, export filings and CA review.
Share your details once. Clients pay by local bank transfer (ACH, SEPA, Faster Payments) or SWIFT, with no international wire drama on their side.
A receiving account per currency, across 32+ currenciesAdd more currencies any time, from inside VariablCopy or share every field with clients and payout platforms
USD account details
Issued with regulated partners
Illustrative. Clients pay via local bank transfer (ACH, SEPA, Faster Payments) or SWIFT.
Payment received
Acme Inc. paid $2,500
Automatically handled 7/7 done
Variabl turns every payment into a clean business record: invoice, client, documents, GST workflow, income tax calculation, and CA review.
Most apps stop when the money lands. Variabl handles what happens next.
One account. One system. One clean trail.Zero forex markup. No account opening charges. No hidden fees. Free FIRA on every transaction. And every payment enters your Variabl records for reconciliation, income, GST and tax.
| On a $1,000 invoice* | Total cost | You receive | vs Variabl |
|---|---|---|---|
 VariablBest rate |
0.5% | ₹82,983 | – |
 Wise |
~2.6% | ₹81,232 | −₹1,751 |
 Payoneer |
~4.0% | ₹80,064 | −₹2,919 |
| SWIFT wire | ~4.0% | ₹80,064 | −₹2,919 |
 Visa / Mastercard |
~5.0% | ₹79,230 | −₹3,753 |
 PayPal |
~8.5% | ₹76,311 | −₹6,672 |
*Illustrative, at a mid-market rate of ₹83.40/USD. Competitor costs are typical effective totals (FX markup + fees) and vary by account and corridor.
You keep up to ₹6,672 more on the same invoice.
| Variabl |
Wise | Payoneer | Indian bank SWIFT wire | |
|---|---|---|---|---|
| FX markup | 0%, mid-market rate | Mid-market rate, fees on top | Typically up to 2% | Typically 1–3% over mid-market |
| Fee | 0.5% flat, all-inclusive | Percentage + fixed fees, varies by corridor | Varies by payment method | Wire + intermediary bank charges |
| Settlement to INR | Within 24 hours | Varies | Varies | Typically 2–5 business days |
| FIRA | Free, automatic on every payout | Varies | Varies | On request, charges may apply |
| Connected to invoices, GST & tax records | Yes, matched automatically | No | No | No |
Competitor terms are typical published patterns and vary by account, plan and corridor.
$
Mid-market ₹83.40 / $1 · USD to INR · zero FX markup
We pass you the true mid-market rate with zero markup; the difference from Google is usually negligible, and sometimes the mid-market rate beats it.
Always live: the rate refreshes every 60 secondsSee before you confirm: the exact INR you'll receive, up frontLocked while it clears: your rate holds even if the market moves
$1 equals
₹83.40
$1 equals
₹83.40
Most users go from signup to money in their bank account the same day.
Submit your details once to activate your International Account. See what you need
Receive account details in major markets and share them with clients worldwide.
Send an invoice or add your account details to payout platforms; clients pay by local transfer or SWIFT.
Funds are settled directly to your Indian bank account within 24 hours.
The payment is matched to the right invoice, documents are attached, income is updated. Ready for export filings, GST, tax, and your CA.
Pick your entity type to see what's needed. One-time, all digital.
Details: Bank account number + IFSC · GSTIN (if GST-registered)
Documents: Personal PAN (photo or ePAN) · Aadhaar (front and back) · Business proof (GST certificate / Udyam / shop licence) if GST-registered
Details: Firm bank account number + IFSC · Firm PAN · GSTIN
Documents: Partnership deed · Firm PAN card · PAN of all partners · Address proof of the firm
Details: Firm bank account number + IFSC · LLPIN · Firm PAN
Documents: LLP agreement · Certificate of incorporation · PAN of the LLP · PAN of designated partners
Details: Company bank account number + IFSC · CIN · Company PAN
Documents: Certificate of incorporation · Company PAN · MOA & AOA · PAN of all directors · Board resolution
Regulated end to end, from your client's bank to yours.
RBI-authorised PA-CB & Settlement Partner
Variabl never receives or holds your money. Xflow processes and settles payments to your registered Indian bank account. Variabl provides the technology platform.
Settlement
Your virtual account details are issued through Xflow, and INR reaches your Indian bank within 24 hours.
The rate
Every conversion references the JPMorgan Chase mid-market rate, with zero markup added by Variabl.
Variabl is recognised under #startupindia by the Govt. of India.
Variabl runs on compliant payment rails through regulated partners, protecting your money, documents and records from KYC to settlement.
256-bit TLS on all data. Financial details protected at every layer.
Two-factor authentication and multiple layers of account security.
Every account is verified before activation.
Built for FEMA, FIRA, GST/LUT and Indian tax workflows from day one.
Everything about receiving and managing your global income with Variabl.
An account, provided with RBI PA-CB approved regulated partners, that lets Indian independents receive payments from global clients in foreign currencies, and manages the full workflow around that income: invoices, reconciliation, documents, GST, income tax, and CA-ready records. All in one platform, no switching between apps.
Other apps only receive money. Variabl receives the money and manages the income. Every payment connects to your invoice, client, documents, GST workflow, income tax calculation, and CA-ready records.
Yes. Local and global clients, invoices, payments, and income records in one place.
Yes. Every payment, Indian or international, stays matched to its invoice, client and tax records, so nothing sits scattered across apps.
Yes. Create invoices for international clients, with multi-currency amounts and LUT declarations handled, and keep them connected to payment status, documents, and tax workflows. See Invoicing.
Yes. Maya AI matches payments to the right invoice, client, amount, and settlement record, and keeps the records filing-ready. If something doesn't match, it's flagged for review.
Yes. International income received and recorded through Variabl flows into your income tax and advance tax calculations.
Yes. International invoice and payment records land inside your GST workflow, so you never rebuild them manually later.
FIRA/e-FIRC, payment proof, settlement details, and invoices stay attached to the right client and transaction, so your records hold up when it matters.
Yes. Start with your Variabl International Account for new international invoices. The more global payments you run through Variabl, the cleaner your income and tax records become.
Because global payments shouldn't create scattered admin. Your international payments, Indian income, invoices, documents, GST, tax calculations, and CA workflow stay connected in one place. Others stop at payment. Variabl continues till filing.
Open your International Account and get paid at the Google rate, sorted from payment to filing.
No account opening charges · Free FIRA · RBI-approved framework