How do you receive money in your bank account in India from YouTube AdSense payouts, and how do you dodge the hidden fees
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Videos
Hi folks!
I manage the YouTube channels of several Indian creators. Each month Google AdSense wires their earnings in USD straight into their Indian bank accounts. The creators only find out the INR amount after the money arrives, so the FX spread, hidden fees, and tax paperwork are a bit of a black box.
I’d love to crowd-source some real-world experience from fellow creators, finance teams, and cross-border payment geeks. In particular:
Bank-by-bank FX experience
Which Indian banks consistently give you the best USD→INR conversion rate on incoming AdSense wires?
Have you noticed big differences in the markup (%) or fixed TT/Nostro charges between, say, HDFC, ICICI, Axis, SBI, or neo-banks like Jupiter/Fi?
Does the rate fluctuate wildly month-to-month or stay close to RBI reference + a small spread?
Alternative payout routes
Has anyone switched AdSense to Payoneer, Wise, PingPong, infinityapp or PayPal first and then withdrawn to INR? Did the extra hop save or cost you money overall?
If you have an EEFC or current account in USD, can Google pay there directly? Worth it?
Context:
All the creators are Indian residents earning primarily via YouTube. Typical monthly payouts range from $800 to $15 000.
Looking for solutions that don’t add a lot of manual work each month.
I’ve just lost an hour because I found out today that my company card that I’m only allowed to use on company business has been charged for movies I buy or rent on YT. Cheesy holiday movies. It’s not only humiliating, but it’s sending me spiraling into the deepest abyss of wtf. I’ve gone into my Google/Apple/YT accounts and this card is not listed at all. I’ve used it online maybe twice. It’s not a default card. It’s not ANYWHERE, but it’s SOMEwhere because it’s trying to get me fired.