Complete Guide to Wise ID Verification for Users in India: Video KYC Step-by-Step Process

Opening a Wise account in India? Whether you’re sending money abroad for education, travel, medical needs, or receiving international payments for your business, Wise makes it easy and affordable.

But first, we need to verify your identity. This is a quick, secure process called KYC (Know Your Customer), required by the Reserve Bank of India (RBI) for international remittances.

The good news? You can complete your KYC verification from home via a short video call—no need to visit an office or wait in line. This guide is for residents of India and walks you through everything you need to prepare to make your verification smooth.

Before You Start KYC: Your Checklist

Here’s what you’ll need:

✅ Aadhaar number (with access to its linked mobile/email for OTPs).
✅ Physical PAN card (no screenshots or e-PAN).
✅ Smartphone/computer with webcam, microphone, and stable internet.
✅ Basic English conversational skills (the video call is in English).
✅ Digilocker access (with your 6-digit security PIN ready).

💡Not sure about your Digilocker PIN or need to create an account?
Visit the official Digilocker website to set up or recover your access.

Supporting documents (based on your transfer purpose):

• ✈️ Travel: Passport (front page) + visa/travel ticket.
• 🎓 Education: Student’s passport (front page) + admission letter/student visa.
• ⚕️ Medical: Passport (front page) + hospital invoice, doctor’s note, or appointment letter.

⚠️ Important notes:

• You must be physically in India during the video call.
• No one else can assist you during the video call.
• Make sure you're in a well-lit, quiet space.

What to Expect During the Video KYC

The video call is simple and takes 3-5 minutes. A Wise agent will ask you to:

• Read out a 4-digit code displayed on your screen.
• Show your original PAN card (not a photo or screenshot) to the camera.
• You’ll need to take a live selfie during the call.
• The agent will verify your identity using your PAN card and Aadhaar details

Ready? Let’s walk through the process.

Step-by-Step process to getting verified with Wise in India

Let’s walk you through the simple, step-by-step process to complete the KYC verification for customers in India.

Step 1. Sign up for Wise

1. Go to wise.com/register to create your account.
2. Confirm your email and mobile number (keeps your account secure!).
3. Fill in your details: full name, date of birth, and address — exactly as on your Aadhaar.
4. Share your current occupation.

Step 2. Set Up Your Transfer

1. Click "Send Money" from your Wise account.
2. Enter the amount and currency — you’ll see the fees upfront.
3. Add your recipient’s details:
   • If they have a Wise account, you can quickly find them by email, phone number, or WiseTag.
   • Otherwise, please add the recipient's name, bank details, and address.
   • You can also capture recipient's details by uploading a PDF/image of their bill, invoice or bank statement.
4. Select the reason for your transfer (travel, education, medical, etc.) and upload supporting documents.
5. For TCS compliance, please confirm if your remittances during this financial year is over INR 7 lakh.

Step 3. Start Your KYC

1. Proceed to verify your identity through IDfy, our KYC verification partner.
2. Capture your PAN details by taking a photo of your PAN card.
3. Capture your Aadhar details by clicking "Verify with Digilocker". You'll be asked to log in with your 6-digit Digilocker PIN. (Forgot your PIN? Reset it here first.)
4. Once Aadhar details are successfully verified, click the "Start Video KYC" button.

Step 4. The Video Call

1. Allow camera/microphone access when prompted by your browser—this is secure and only used for the call.
2. You’ll meet a Wise agent who’ll guide you through:
   • 📢 Reading a 4-digit code displayed on your screen.
   • 📸 Showing your physical PAN card to the camera.
   • 😊 Taking a live selfie.
3. The agent will verify your Aadhaar and PAN details.

Once approved, your Wise account is ready for international transfers.

Get Started with Wise 🚀

FAQs: Wise Video KYC for India

Frequently Asked Questions for Wise KYC Verification process for customers in India.

1. Why do I need to do a Video KYC?

KYC (“Know Your Customer”) is a legal requirement for all financial services in India. It helps us protect your account from fraud and keeps transactions secure. With Wise, you can finish this in 10-15 minutes from home—no paperwork or branch visits.

2. Can I visit a Wise office for in-person KYC?

No—Wise is a fully digital service, so all KYC checks are done online via video call. This saves you time and lets you verify your identity from anywhere in India.

3. I don’t have access to my Aadhaar-linked mobile/email. What now?

To receive the OTP, you’ll need access to the mobile number or email registered with Aadhaar. If you’ve lost access, you can update your Aadhaar details online via the UIDAI portal.

4. Can my friend/family member do the KYC for me?

For security reasons, you must complete the video call yourself. The agent will need to see you and your original documents (no screenshots) during the call.

5. Need more help?

Visit our Help Centre for Wise customer support services.