Ace Contributor
Soumya N Member Since: Jun 22, 2015

Based on my experience and having gone through hell with the process myself, here are the steps that I'd like to share to help all my fellow freelancers in India:


Upwork processes the payments through Wells Fargo, the funds are then routed through Standard Chartered in India and reach your bank account.


a. Go to the bank in which your Upwork earnings are credited in INR. The system is centalized, so it doesn't have to be your home branch.


b. Make a note of each and every Upwork credit you would like an FIRC for as the bank issues one consolidated FIRC for all the entries. To know the same, go to Reports<Transaction History<Choose Withdrawls in the dropdown under All Transactions for "All clients" and also choose the time and date range of your choice.


This is how you can determine the credits:


c. Your line item will read: (1 single line) I'm breaking it down to help you.



Type: Withdrawal

Description: Direct to Local Bank Transfer for XYZ INR to bank account number

Client: Blank 

Amount: ($XYZ)

Ref ID


d. Take these entires and go to the bank. The bank will have to as Standard Chartered to issue an NOC (No Objection Certificate). The format will have the date, transaction amount in INR, name of the remitter and the purpose code. Please visit this link:


e. Once the bank receives the NOC, they can send you the FIRCs.


Hope this helps.