MoneyTransfers
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Find the best ways to transfer money to India

Compare money transfer deals for sending INR.

Find the best, cheapest, and easiest ways to send money to India at the best INR exchange rates.

Read on for the best deals, expert information, and all you need to transfer money to India.

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Best money transfer companies

Send money to India

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"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
Sponsored

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.2% - 0.7%
Fees
None

"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."

Transfer Speed
Minutes - 5 days
Exchange Rate Markup
0.1% - 0.6%
Fees
0.3% - 1%

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.8% - 3%
Fees
$1.99 - $2.99

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.15% - 1.5%
Fees
None

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 1.3%
Fees
None

"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 3%
Fees
None

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 2%
Fees
£/€/$3 - 5

"Fast, secure internatinal transfers with no fees and transparent rates. They offer a free currency card for use at home and abroad."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.9% - 2%
Fees
None

"Send money to over 40 destinations online and in the mobile app."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.3% - 2%
Fees
$0 - $10

"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 3%
Fees
None

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 4%
Fees
1% - 3%

The best way to send money to India: Wise

After reviewing and testing 20 money transfer providers supporting INR transfers, we found Wise to be the top choice for money transfers to India as of May 2025.

Wise appeared in 97.3% of INR transfer searches and ranked as the best option among providers supporting Indian Rupee transfers.

With quick transfers, a low markup of 0.03% on INR exchange rates, and a low fee of $83.45, Wise offers the ideal balance of cost, speed, and features for INR transfers.

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How to get the best rate for money transfers to India

About money transfers to India

Top rated for transfers from United States to India
Wise
Total number of US - IN providers
20
Average cheapest fees & rate
WorldRemit
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Revolut
Best for debit card
Xe

Consider this before sending money to India

1
Compare INR deals before you send

India has one of the world’s largest remittance markets, and with so many options available, it’s important to compare providers before making a transfer.

Our live comparison includes 20 money transfer services that support transfers to India.

  • Based on recent data:

  • WorldRemit appeared in 97.4% of searches as the cheapest provider for INR transfers.

  • Wise also ranked as the fastest option in 1602 searches

  • While WorldRemit consistently offered the most competitive exchange rates.

Comparing your options can help you save on fees, improve delivery speed, and increase the amount of INR your recipient receives.

2
Pay attention to the INR exchange rate
3
Pick the right payment method
4
Consider receiving money options in India
5
Understand transfer limits for INR
6
Consider how fast you need the INR to arrive
7
You may need an ID to receive funds in India
8
Why are you sending INR?
9
Don't forget about taxes

Cheapest way to send money to India: WorldRemit

Get the lowest fees with WorldRemit - the cheapest transfer service to India at just $3 per transfer.

If you want to make the most of your INR transfer, the cheapest way is to use WorldRemit and pay for your transfer with a Bank transfer.

Over the past 6-months WorldRemit appeared 97.4% of the time in our comparison as the cheapest transfer option to India.

With just $3 in fees and -4.61% markup, WorldRemit is % cheaper than the next best option.

Bank transfer is the cheapest deposit option to India, pair it with WorldRemit to receive the most INR.

*The transfer cost to India depends on the country of origin, amount of INR sent, payment method, and the exchange rate ‘markup’ on Indian Rupees.

Screenshot
Screenshot

Wise is the fastest way to send money to India

For the fastest INR transfers, we recommend using Wise.

Wise appeared 59.1% of the time as the fastest money transfer company available in India.

They charge $35.98 and add a markup of -0.01% on top of the INR exchange rate. This is 0% cheaper than the next best option as of May 2025.

For the best combination of speed and cost, we recommend using a to fund your transfer to India.

*This is based on a $2,000 transfer to India and a 6-month analysis of our comparison data involving INR transfers.

Screenshot

The easiest way to send money to India: Wise

Wise is an excellent choice for balancing cost, speed, and convenience.

In our 6-month analysis, Wise ranked as the top-rated money transfer provider in 97.3% of the searches related to India.

They’re highly transparent with fees, charging $83.45 per transfer with a 0.03% markup on the INR mid-market rate.

With multiple deposit and withdrawal options and reliable customer service, getting started with Wise takes less than 10 minutes, making it a fast, cheap, and user-friendly option.

Screenshot

Making large money transfers to India

When sending large amounts of Indian Rupee to India, it's important to consider factors like the limits, INR rates, customer support, as well as legal and government-imposed restrictions in India.

Wise is our top recommendation for moving large amounts of INR.

Whether you're purchasing property in India, need to pay tuition fees, have a wedding there, or transfer money for business in India, Wise will ensure a smooth and secure transaction.

Of all the companies we’ve tested and reviewed that specialize in large INR transfers, Wise consistently ranked as the top-rated choice.

They charge $83.45 per transfer and apply 0.03% markup on top of the INR exchange rate, making them perfect for moving big amounts.

Understanding the costs involved when moving money to India

When calculating the cost of money transfers to India, here's what really matters: the country of origin, amount, payment method, fees, and the markup on the INR exchange rate.

Exchange rate markup

This is a percentage added on top of the "real" INR rate (known as the mid-market rate).

WorldRemit, for example, offers the best exchange rate. It adds -2.53% markup to the USD-INR exchange rate (84.6673 INR - -2.53% per US Dollar).

Transfer fees

These are fixed and/or percentage fees added for the service when sending money to India.

Let's imagine you want to send $2,000 from the US to India.

After analyzing 20 companies supporting Indian Rupee, we found Xoom to offer the lowest fees ($0 in fees and 2.32% markup).

However, exact fees vary by deposit method and the service, for example:

  • Bank transfers vary from $0 to $0

  • Debit cards range from $495.63 to $478.31

  • Credit cards can go from $0 to $0

Live INR Exchange Rate

Get the best INR exchange rate

The exchange rate is the value of the INR (Indian Rupee) against other currencies, and since it fluctuates, it will affect how much INR the recipient will get. Sending money when INR reaches the highest value will result in more INR for your recipient.

Mid-market Rate
1 
=
84.667250 
INR

Over the past six months, the INR exchange rate has:

  • Averaged at 86.4922 Indian Rupee per USD

  • Reached a high of 87.8899 INR/USD

  • Dropped to a low of 83.4788 INR per US Dollar

You should aim to make a transfer when the rate is closer to 87.8899 INR/USD. This will give your recipient in India more Indian Rupee.

Pair your transfer with WorldRemit (who offers the best exchange rate), and you will maximize the amount of INR received.

Get notified when it’s the best time to send INR

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Payment methods available for money transfers to India

The way you fund your transfer to India will impact the speed, cost, and amount of INR your recipient receives.

  • Bank transfers

    Bank transfer deposits are a common and reliable funding method for sending INR, offered by most services covering India.

    While bank transfers are typically more affordable, it may take up to 3 business days for the INR to arrive in India.

    In our testing of 20 providers, Revolut appeared 3342 times as the cheapest option for bank transfers to India, charging $0 per transfer with a 0.2% markup—% cheaper than the second-best alternative.

    Avoid using wire transfers to India over the SWIFT network, as they are slower and more expensive due to the bank intermediaries on the way to India. Instead, choose ACH or your local network option.

  • Credit cards

    A credit card deposit is another option for INR transfers.

    Based on our comparison of 20 companies serving India, offers the lowest fees for credit card transfers.

    CC deposits are usually more expensive when sending Indian Rupee. will charge $0 for a CC transfer vs Revolut charging just $Revolut with a bank transfer.

    Money transfer to India is an international transaction.

    Your credit card company may apply a cash advance fee and higher interest rates for international payments to India. We recommend avoiding credit cards when sending money to India.

  • Debit and prepaid cards

    Debit cards are typically faster but more expensive than bank deposits, with most INR transfers completed within a few hours.

    We recommend using Xe for debit or prepaid card deposits.

    With Xe, you’ll pay a 0.45% markup on the INR rate and $495.63 in fees when depositing money via the card. This is 0% cheaper than using the next cheapest option for transferring money to India.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available in India.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money to India.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to India

For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

Keep your money safe

Banks and money transfer companies are regulated by the Reserve Bank of India (RBI) to ensure the safety of financial activities in the country.

Always choose providers regulated by financial authorities and ensure you send money to recipients you know and trust.

For more information on regulatory bodies, refer to our directory of financial regulators worldwide.

FAQs

Find answers to the most common questions on our dedicated FAQ page.

How much money can be transferred to India?
Are there any tax implications to sending money to India?
What are the typical transfer fees for sending money to India?
How long does it take for INR to reach India?
Are there any min/max limits on INR transfers?
Can I schedule regular payments to India?
What currency is used in India?
Can I send INR from any country?
How can I track my money transfer to India?
What should I do if my money transfer to India goes wrong?
Can’t I use my bank to transfer money to India?
Can I send INR with MoneyTransfers.com?

Contributors

Artiom Pucinskij
Artiom Pucinskij is a seasoned financial content strategist who holds an impressive background in marketing from the University of Portsmouth. With years of dedicated experience in the personal finance and remittance sectors, Artiom has become an integral part of MoneyTransfers.com's growth.
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