LIVE RATES
Buy Foreign Currency Online

Buy Foreign Currency
at Live Interbank Rates

Order in 40+ currencies for delivery to your door, or for collection from any of our 9 RBI-authorised branches. Same-day delivery in 20+ cities.

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RBI-authorised AD-II 15 years in business 2.5 lakh+ customers 8 branches, 16 cities 40+ currencies 4.9/5 on Google
Our Rate Promise

The rate you see is the rate you get

Matrix sells foreign currency at the live interbank rate — the rate at which authorised dealers themselves transact. There is no spread, no markup, and no margin built into the exchange rate you are quoted.

When you buy USD 1,000 from Matrix, the INR you pay is calculated against the live interbank rate at the moment your order is locked. The rate updates in real time inside the form above.

The only additional charge is the GST applicable on the service component, disclosed upfront. No conversion fees. No service charges. No delivery fee within our 16 cities.

Where you buy Markup Loss on ₹1L
Most banks3–5%₹3,000–₹5,000
Other online providers2–3%₹2,000–₹3,000
Matrix Forex0%₹0
How It Works

Buy foreign currency in 4 simple steps

1
Fill the form
Enter currency, amount, city, and phone in the hero form. Live rate displays as you type.
2
Get a callback
A Matrix advisor confirms the live rate, takes your delivery details, and explains the documents to keep ready.
3
Pay your way
Pay online by UPI, NEFT, or card. Pay-on-delivery is available in all cities we serve.
4
Receive at your door
Same-day door delivery in 16 cities. KYC verified at your doorstep — PAN, passport, visa or ticket.

Prefer in-person? Visit any of our 8 branches. Same rate, same service.

Why Matrix Forex
Why Matrix Forex

Why customers buy from Matrix Forex

Three things define how Matrix sells foreign currency: the rate, the network, and the people behind your order.

Live interbank rates, with no markup
Matrix is RBI-authorised AD-II under FEMA 1999. We transact at the live interbank rate and pass it on without a spread.
8 branches and 16 city door delivery
Foreign currency delivered the same day to your door across 16 cities, fulfilled from our 8 branches in Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Pune, Kanpur and Tirupur.
An advisor handles your order — not a queue
Every order is handled by a named Matrix advisor. The same person calls you back, locks your rate, and is reachable for the next order.
RBI Authorised Dealer Cat-II under FEMA 1999
Licence No. NDL-ADII-0023-2023. All transactions backed by full FEMA documentation and TCS / GST receipts.
LRS, TCS & Documents

How much foreign currency can you buy in a year?

Under the RBI's Liberalised Remittance Scheme (LRS), every Indian resident can purchase or remit up to USD 250,000 per financial year for permitted purposes — travel, education, medical treatment, family support, gifts, and investments combined.

Cash carried abroad in foreign currency notes has a sub-limit of USD 3,000 per trip. The balance is carried via forex card, traveller's cheque, or wire transfer. Travel to Iran, Russia, and CIS countries permits a higher cash limit.

Tax Collected at Source (TCS)

TCS applies on LRS transactions exceeding ₹10 lakh per person per financial year. Below the threshold, no TCS is collected.

  • Education funded through a Section 80E loan: 0% TCS, regardless of amount
  • Self-funded education and medical treatment abroad: 5% on amount above ₹10 lakh
  • Other LRS purposes (travel, gifts, family support, investments): 20% on amount above ₹10 lakh
  • Overseas tour packages: 5% up to ₹10 lakh, 20% above

TCS is not a final tax — it is reflected in your Form 26AS and adjusted against your final income tax liability when you file your annual return.

Documents required

Verified at your doorstep or branch. Originals are checked; only required photocopies retained.

PAN card
Passport
Visa or international ticket
LRS Form A2 (we share)

Common use cases

  • Holiday travel — tips, taxis, local markets, small establishments
  • Business travel — multi-country itineraries and last-minute trips
  • Students — starter cash for first few days abroad
  • Limited-card destinations — Vietnam, Cambodia, Sri Lanka, parts of South-East Asia & Africa
Got Questions?

Frequently Asked Questions

Is buying foreign currency online from Matrix safe?
Yes. Matrix Forex Services Pvt Ltd is licensed by the RBI as Authorised Dealer Category-II under FEMA 1999 (Licence No. NDL-ADII-0023-2023). 15 years in business; 2.5 lakh+ customers across 8 branches.
How fast is delivery?
Same-day door delivery is available across 20+ cities, fulfilled from our 8 branches. Your Matrix Forex advisor confirms the exact slot during the callback.
How much foreign currency can I buy in a year?
Under RBI's LRS, every Indian resident can purchase or remit up to USD 250,000 per financial year combined across travel, education, medical, family support, gifts and investments. Cash carry sub-limit is USD 3,000 per trip.
Can I pay on delivery?
Yes. Pay-on-delivery is available across all the cities we serve. Standard online options are UPI, net banking and NEFT.
Forex card or cash — which should I carry?
Most travellers use a forex card for everyday spending and supplement with USD 200–500 equivalent in cash for tips, taxis and small establishments. Your advisor can recommend the right split for your destination.
What documents are required?
PAN card, passport, and a valid visa or confirmed international ticket. Form A2 LRS declaration is shared by your advisor before delivery. Documents are verified by the delivery executive at your doorstep.
Are there any hidden charges?
No markup on the exchange rate; the rate displayed in the form is the rate at which your order is locked. GST is applicable on the service component as required by law and is disclosed upfront. TCS applies only above ₹10 lakh per FY.
Can NRIs buy foreign currency from Matrix?
LRS is applicable only to Indian residents. NRIs have separate FEMA provisions including remittances from NRO and NRE accounts. Our team can guide you through the appropriate process.
What is the cash carry limit when travelling abroad?
Indian residents may carry foreign currency notes equivalent to USD 3,000 per trip. Higher limits apply for travel to Iran, Russia and CIS countries. The balance can be carried via forex card, traveller's cheque or wire transfer.
How is Matrix different from other online forex providers?
Matrix is RBI-authorised AD Category-II, transacting directly with customers rather than routing through partners. We sell at the live interbank rate without markup. Every order is handled by a named Matrix Forex advisor.
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