How do I pay the tuition fees via bank transfer or card, and what is the process for large payments?
Log into your student portal, locate the Financials section, and retrieve your university's bank account details including SWIFT code or IBAN. For large transfers, contact your bank to raise your daily international limit or use a regulated remittance platform like Flywire or Convera.
Paying your tuition fees internationally might feel complicated the first time, but the process follows a clear sequence whether you choose bank transfer or card. Your student portal is the starting point for both methods, and for any large payment you will need a few extra steps on the banking side.
Here is everything you need to do to send your tuition payment safely and on time.
Step-by-Step Process by Payment Method
| Step | Bank Transfer (Wire) | Credit or Debit Card |
|---|---|---|
| 1. Access your portal | Log in to your student portal and navigate to Financials or Tuition Fees | Log in and access the secure online payment gateway on the portal |
| 2. Retrieve payment details | Copy the university's bank account number, SWIFT code, IBAN, and sort code exactly as shown | Select the card payment option; confirm the currency and conversion rate displayed |
| 3. Enter reference details | Include your student ID number in the payment reference field without fail | Enter your card details and billing address; confirm the exact fee amount |
| 4. Initiate the payment | Submit via your bank's online portal or a remittance platform such as Flywire or Convera | Complete the 3D Secure or OTP verification requested by your bank |
| 5. Save your proof | Download and save the transaction receipt immediately after submission | Screenshot or save the payment confirmation page; email confirmation usually follows |
Special Steps for Large International Payments
| Requirement | What to Do | Timeline |
|---|---|---|
| Daily transfer limit increase | Contact your bank's international transfers desk or visit a branch to request a temporary limit increase for the exact amount | Request 3 to 5 working days before your payment deadline |
| Compliance documents | Your bank may ask for your admission letter, fee receipt, or passport as part of RBI FEMA compliance for large outward remittances | Keep scanned copies ready before you initiate the transfer |
| LRS reporting (for Indian students) | Payments above USD 2,50,000 equivalent per financial year fall under the RBI Liberalised Remittance Scheme; your bank handles the reporting | Automatic when you transfer; confirm with your bank if unsure |
| Using a remittance platform | Flywire and Convera are university-preferred platforms that lock in exchange rates and send payment tracking notifications to both you and your university | Set up an account at least one week before your payment due date |
My Advice
Always initiate large fee payments at least 7 to 10 working days before your university's deadline to account for international processing times, bank holidays across time zones, and any compliance checks your bank may trigger. Use a remittance platform like Flywire where your university accepts it because you get a real-time tracking link, a locked exchange rate, and automatic confirmation sent to the university's finance office. Keep every receipt and transaction reference in a dedicated folder; you will need them for your visa application and for any future loan disbursement documentation.
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