Zilligo Payments LTD, Mauritius File C215482

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Cash out now
India

Cash out crypto in India, without a P2P stranger.

Rupees in your bank through Payoneer, or spend it straight away as Amazon.in and Apple codes, a virtual Visa for foreign bills, or a prepaid recharge.

See the best options Start a cashout
8Options for this country
From 1%Fee, shown first
INRLocal currency
Your orderRate held for 20 minutes
You send508.58

Zilligo fee, 1.5%
$7.50
Network fee
Paid by your wallet
Per order
$100 to $5,000
Cash out $500

An estimate at today's price. Your order page fixes the exact amount for 20 minutes.

The short answer

To cash out crypto in India, cash out to Payoneer through Zilligo and withdraw to your Indian bank in rupees; the payout reaches Payoneer the same day your coins confirm. To spend instead, buy Amazon.in, Apple or Google Play India codes, load a virtual Visa for foreign subscriptions, or recharge a prepaid number. Fees are 1% to 2%. Gains are taxed at a flat 30% in India, so keep every order page.

Best options

Top picks for people in India

Start at the top. Each option suits a different need in India.

  1. 1Payoneer logo
    Best for rupees in your bank

    Payoneer

    In Payoneer the same day your coins confirm, then withdrawn to your Indian bank.

    Fee
    1.5%
    Per order
    $50 to $5k
  2. 2Amazon Gift Card logo
    Best for shopping

    Amazon Gift Card

    Amazon.in codes emailed within minutes, from $50 to $1,000 an order.

    Fee
    1.5%
    Per order
    $50 to $1k
  3. 3Visa Prepaid logo
    Best for foreign subscriptions

    Visa Prepaid

    A card loaded for 2%, plus $10 on your first card, for tools and streaming that keep failing on Indian bank cards.

    Fee
    2.0%
    Per order
    $50 to $5k
  4. 4Mobile Top-Up logo
    Best for recharge

    Mobile Top-Up

    Prepaid credit for an Indian number, from $50 to $300 an order.

    Fee
    1.0%
    Per order
    $50 to $300

Local context

The rupee problem is really a P2P problem

Indian exchanges with rupee withdrawals work, but they mean full KYC and a 1% TDS on each sale. Many people turn to P2P instead, and that is where bank accounts get frozen: a buyer pays with money that is later reported as fraud, and the complaint freezes your account along with theirs.

Zilligo removes the buyer. We pay your Payoneer balance, and you withdraw from Payoneer to HDFC, ICICI, SBI or another bank in rupees, as a transfer from a company you can name rather than from a stranger.

Two Indian rules shape the rest. Section 115BBH taxes crypto gains at a flat 30% with no offsetting of losses, and Section 194S adds a 1% TDS on many transfers; Budget 2026 left both in place. And RBI's e-mandate rules mean many foreign subscriptions fail on Indian bank cards, which is where a separately loaded virtual Visa helps.

Local bank payoutsPlanned

Direct rupee payouts over UPI and IMPS are planned. Until then, Payoneer withdraws to banks such as HDFC Bank, ICICI Bank and State Bank of India.

HDFC BankICICI BankState Bank of India

Local payment systems: UPI, IMPS

Watch out

Payouts that will not reach you in India

These trip people up in India more than anything else.

P2P sales to unknown buyers

The most common way an Indian bank account ends up frozen. One buyer's tainted payment can lock your account while the complaint is investigated.

PayPal

Indian PayPal accounts only take international payments tagged with an RBI purpose code, and PayPal moves them to your bank automatically. A crypto payout does not fit those codes cleanly, so we leave PayPal out for India.

Cash pickup above $2,500

Western Union and MoneyGram into India run under RBI's Money Transfer Service Scheme: $2,500 a transfer at most, 30 a year per person receiving, and no more than ₹50,000 of it in cash.

All options

Every option for people in India

Wallets

Payoneer logoPayoneer1.5%

Cards and gift cards

Visa Prepaid logoVisa Prepaid2.0%Amazon Gift Card logoAmazon Gift Card1.5%iTunes / App Store logoiTunes / App Store1.5%Google Play logoGoogle Play1.5%

Cash pickup

Western Union logoWestern Union1.5%MoneyGram logoMoneyGram1.5%

Phone credit

Mobile Top-Up logoMobile Top-Up1.0%

Local tips

Good habits in India

  1. 1

    Keep a record of every cashout

    The 30% applies to each gain, and a loss on one coin cannot reduce the tax on another. Your order pages show the coin, the date and the amount.

  2. 2

    Choose the India store at checkout

    Amazon codes only redeem in the store they were issued for, so pick Amazon.in from the store list.

  3. 3

    Check your Apple or Play country

    Both codes are tied to the account's country. Make sure your Apple ID or Play account is set to India before you order.

  4. 4

    Enter numbers with +91

    Drop the leading zero and check the line is prepaid. Numbers ported between Jio, Airtel, Vi and BSNL keep their digits, so ask which network it is.

  5. 5

    Withdraw from Payoneer in fewer, larger amounts

    Payoneer's own fee and rate apply to every withdrawal, so batching costs less.

Questions

Your questions about cashing out in India

Question about your country? Get in touch, replies usually come within the hour.

How do I cash out USDT to my Indian bank account?

Cash out to Payoneer with Zilligo, then withdraw to your bank in rupees. Our payout reaches Payoneer the same day your coins confirm. Direct UPI and IMPS payouts are planned, not live.

How is crypto taxed in India?

Gains are taxed at a flat 30% plus cess under Section 115BBH, losses cannot be set off, and Section 194S adds a 1% TDS on many transfers. Budget 2026 kept both. This is general information, not tax advice: keep your order pages and ask a CA.

Why do foreign subscriptions fail on my Indian card?

RBI's e-mandate rules need extra approval for recurring card payments, and many foreign sites do not support it. A virtual Visa loaded from crypto is separate from your bank card, so it is worth trying for those bills.

Can I buy Amazon.in gift cards with crypto?

Yes. Choose Amazon, pick the India store, and the code arrives by email within minutes. Orders run from $50 to $1,000.

Can someone collect cash in India?

Yes, through Western Union or MoneyGram, within RBI's limits: up to $2,500 a transfer and 30 transfers a year to one person. Only ₹50,000 can be paid in cash; the rest goes to a bank or by cheque.

Can I recharge Jio or Airtel with crypto?

Prepaid Indian numbers, yes. Choose Mobile Top-Up, enter the number with +91, and order from $50 to $300.

Can I use PayPal instead of Payoneer?

We do not recommend it in India. Indian PayPal accounts are limited to international payments with an RBI purpose code, and a crypto payout does not fit those codes cleanly.

Other countries

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Ready when you are

Rupees in the bank, or spending in minutes

One order on a free account, and the exact figure on screen before you send.

Start a cashout See fees

Orders from $50 on gift cards and top-ups, $100 on most payouts. Nothing moves until you send.

  1. 1Pick a payoutBank transfer, PayPal and other wallets, a card, a gift card or cash pickup.
  2. 2Send your coinsTo the one-time address on your order, before the 20 minute timer runs out.
  3. 3Get paidMost payouts arrive within minutes of your coins confirming.