Best companies for USD/INR transfers
13 of 13 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/INR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $36.36 1 USD = 93.5666 INR -0.21% vs mid-market	Recipient gets ₹651,564.12 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $36.361 USD = 93.5666 INR ₹651,564.12You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 93.7421 INR -0.40% vs mid-market	Recipient gets ₹656,194.70 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.7421 INR ₹656,194.70You pay$7,000.00
Run a live search Showing top United States to India deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live USD to INR rates.
Run a live search These companies offer multi-currency accounts for spending INR. We suggest doing a live search based on how much USD you're planning to spend in India.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Only available via Mobile App Sendwave Pay via Debit card	Fee $0.99 1 USD = 93.9315 INR -0.60% vs mid-market	Recipient gets ₹657,427.58 Minutes - 3 days
6 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in India with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days $0.991 USD = 93.9315 INR ₹657,427.58You pay$7,000.00
TapTap Send Pay via Debit card	Fee $1.99 1 USD = 93.8000 INR -0.46% vs mid-market	Recipient gets ₹656,600.00 Minutes
2 reviews Receive to bank account
Ways to receive money in India with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes $1.991 USD = 93.8000 INR ₹656,600.00You pay$7,001.99 UPIMinutesAvailable via:UPI $1.991 USD = 93.8000 INR ₹656,600.00You pay$7,001.99
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $0.00 1 USD = 93.7941 INR -0.45% vs mid-market	Recipient gets ₹656,558.70 Minutes - 24 hours
2 reviews
Ways to receive money in India with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets UPIMinutes - 24 hoursAvailable via:UPI Free1 USD = 93.7941 INR ₹656,558.70You pay$7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 USD = 93.7941 INR ₹656,558.70You pay$7,000.00 Cash pickupMinutes - 24 hours $3.991 USD = 93.4627 INR ₹654,238.90You pay$7,003.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 92.8739 INR ₹650,117.30You pay$7,074.99
Xe Pay via Bank transfer	Fee $0.00 1 USD = 93.7421 INR -0.40% vs mid-market	Recipient gets ₹656,194.70 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.7421 INR ₹656,194.70You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $3.99 1 USD = 93.6157 INR -0.26% vs mid-market	Recipient gets ₹655,309.90 Minutes - 24 hours
2 reviews
Ways to receive money in India with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets UPIMinutes - 24 hoursAvailable via:UPI $3.991 USD = 93.6157 INR ₹655,309.90You pay$7,003.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $3.991 USD = 93.6157 INR ₹655,309.90You pay$7,003.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 92.8739 INR ₹650,117.30You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 92.8104 INR ₹649,672.80You pay$7,075.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 93.6157 INR -0.26% vs mid-market	Recipient gets ₹655,309.90 Minutes - 24 hours
2 reviews
Ways to receive money in India with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets UPIMinutes - 24 hoursAvailable via:UPI $177.991 USD = 93.6157 INR ₹655,309.90You pay$7,177.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 93.6157 INR ₹655,309.90You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 92.8104 INR ₹649,672.80You pay$7,179.99
Get First 3 Transfers Free Aspora Pay via Bank transfer	Fee $0.00 1 USD = 93.3718 INR 0.00% vs mid-market	Recipient gets ₹653,602.95 Minutes - 24 hours
9 reviews Receive to bank accountTailored for the Indian Diaspora
Ways to receive money in India with Aspora when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.3718 INR ₹653,602.95You pay$7,000.00

Get First 3 Transfers Free Aspora Pay via Debit card	Fee $0.00 1 USD = 93.3718 INR 0.00% vs mid-market	Recipient gets ₹653,602.95 Minutes - 24 hours
9 reviews Receive to bank accountTailored for the Indian Diaspora
Ways to receive money in India with Aspora when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.3718 INR ₹653,602.95You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 93.7421 INR -0.40% vs mid-market	Recipient gets ₹652,913.73 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 93.7421 INR ₹652,913.73You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 93.2185 INR +0.16% vs mid-market	Recipient gets ₹652,529.50 Minutes - 24 hours
2 reviews
Ways to receive money in India with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 93.2185 INR ₹652,529.50You pay$7,060.79
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 93.1775 INR +0.21% vs mid-market	Recipient gets ₹652,242.50 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in India with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.1775 INR ₹652,242.50You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 93.1197 INR +0.27% vs mid-market	Recipient gets ₹651,838.22 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.1197 INR ₹651,838.22You pay$7,000.00
Wise Pay via Bank transfer	Fee $36.36 1 USD = 93.5666 INR -0.21% vs mid-market	Recipient gets ₹651,564.12 Within minutes
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $36.361 USD = 93.5666 INR ₹651,564.12You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 92.9050 INR +0.50% vs mid-market	Recipient gets ₹650,334.94 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in India with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 92.9050 INR ₹650,334.94You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 93.3642 INR +0.01% vs mid-market	Recipient gets ₹649,768.05 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in India with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 93.3642 INR ₹649,768.05You pay$7,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
CurrencyFair Pay via Bank transfer	Fee $1.29 1 USD = 92.7580 INR +0.66% vs mid-market	Recipient gets ₹649,186.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in India with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $1.291 USD = 92.7580 INR ₹649,186.00You pay$7,000.00
Chase Pay via Bank transfer	Fee $0.00 1 USD = 91.3728 INR +2.16% vs mid-market	Recipient gets ₹639,609.77
0 reviews
Ways to receive money in India with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 91.3728 INR ₹639,609.77You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 93.7421 INR -0.40% vs mid-market	Recipient gets ₹636,508.86 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 93.7421 INR ₹636,508.86You pay$7,000.00
Wells Fargo Pay via Bank transfer	Fee $0.00 1 USD = 90.9074 INR +2.67% vs mid-market	Recipient gets ₹636,351.88
0 reviews
Ways to receive money in India with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 90.9074 INR ₹636,351.88You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 93.3718 INR Updates every 60 minutes.

Why compare

USD/INR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to India

Pick a company

If you're sending a one-off transfer, then Sendwave is the best option.

Sendwave was the cheapest on 9 of the 25 days it quoted $7,000 transfers to India.

For recurring transfers, I'd suggest using an app like Sendwave or a multi-currency account.

For large transfers, a broker like Xe is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to India, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to India?

How much USD you send to India heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Sendwave was the cheapest in 20% of the transfers from $5,000 it quoted, and in 9% of all the transfers it quoted.


$500	-1.19%	$0.99	₹47,186.64with bank transfer to bank deposit	+₹1,573.24
$550	-1.22%	$0.99	₹51,914.66with bank transfer to bank deposit	+₹1,414.72
$1,000	-1.22%	$0.00	₹94,585.50with paypal to bank deposit	+₹2,078.08
$2,000	-1.26%	$0.00	₹189,170.80with paypal to bank deposit	+₹3,577.35
$5,000	-0.87%	$0.00	₹471,750.00with debit card to bank deposit	+₹5,500.07
$7,000This page	-0.60%	$0.99	₹657,427.58with debit card to bank deposit	+₹6,508.94
$10,000	-0.56%	$0.99	₹939,257.10with debit card to bank deposit	+₹9,213.08
$50,000	-0.41%	$1.99	₹4,690,000.00with debit card to bank deposit	+₹32,501.92
$100,000	-0.46%	$1.99	₹9,380,000.00with debit card to bank deposit	+₹69,407.95
$250,000	-0.37%	$1.99	₹23,450,000.00with debit card to bank deposit	+₹204,539.10

Mid-market rate: 1 USD = 93.3718 INR

USD/INR Exchange Rate History

Is today a good time to send money from US to India?

The cheapest way to send USD to INR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Sendwave), across 30 days of comparisons for 7,000 USD transfers to India.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

Understanding USD/INR exchange rate

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more INR per USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 24 of the last 30 days.

Right now, Sendwave pays 657,427.58 INR on 7,000 USD, which is 3,824.63 INR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 672,000 INR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Is the cheapest money transfer company always the best?

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Sendwave is the cheapest and gets you the most INR, but it was the cheapest in only 9% of the 178 comparisons it appeared in over the past month.

TapTap Send (today's second cheapest) was the cheapest in only 40% of its comparisons, so it's rarely the cheapest option for transfers to India.

If it's a one-off transfer, go with Sendwave, since it's the cheapest right now.

Ways to send money from the US to India

There are 13 companies available for sending money from the US to India, across app, currency broker, online, multi-currency account, global business account, bank, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Sendwave charges $0.99 on a $7,000 transfer with -0.6% markup, saves your recipient's details for next time, and INR arrives in minutes - 3 days.

Over the past month, Sendwave was the cheapest app on 36% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 656,558.70 INR in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

However, cash pickup in India is capped at ₹50,000 per transfer.

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to India.

Of all online companies listed here, MoneyGram gets you the most INR per USD.

On a $7,000 transfer, you will get 656,558.70 INR after a $0 fee and -0.45% markup.

In our comparisons over the past month, it was the cheapest online service on 12 of the 28 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to India (e.g. a property purchase, tuition, or moving to India), a broker like Xe charges no fee, gives you a dedicated account manager, and adds -0.4% markup on USD/INR that gets lower the more you send.

Our analysis shows Xe was the cheapest broker in 54% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

Only if you have to

Banks

Wiring money abroad from your bank is the most expensive option.

On a $7,000 transfer, a bank like Chase gets your recipient 639,609.77 INR, against 657,427.58 INR with Sendwave (the overall cheapest option).

We found Chase was the cheapest bank on 29 of the 29 days it appeared for this amount.

The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Currencies Direct is the best for holding and receiving INR.

This is useful for traveling to India, building up INR balance, or receiving payments in INR.

Currencies Direct converts $7,000 at 0.21% markup plus small fee and holds the INR until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 3% of days.

Ways to fund USD and receive INR in India

With Sendwave, paying by debit card and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 657,427.58 INR.

Our data shows that Sendwave gets your recipient 17,817.81 INR more than Chase, today's cheapest bank, on the same $7,000.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to India.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 656,558.70 INR on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to India.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in India can collect INR through bank deposit, UPI, cash pickup, and card deposit.

They can collect cash in India

Your recipient can collect INR from a participating MoneyGram location in India.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Debit card Bank deposit

You pay $7,000.00

₹657,428

Cheapest
2

Debit card UPI

You pay $7,001.99

₹656,600

-₹828
3

Bank transfer UPI

You pay $7,000.00

₹656,559

-₹869
4

Bank transfer Bank deposit

You pay $7,000.00

₹656,559

-₹869
5

Credit card UPI

You pay $7,177.99

₹655,310

-₹2,118

Show moreShow less

6

Credit card Bank deposit

You pay $7,177.99

₹655,310

-₹2,118
7

Bank transfer Cash pickup

You pay $7,003.99

₹654,239

-₹3,189
8

Cash deposit Cash pickup

You pay $7,060.79

₹652,530

-₹4,898
9

Debit card Card deposit

You pay $7,001.99

₹650,117

-₹7,310
10

Bank transfer Card deposit

You pay $7,074.99

₹650,117

-₹7,310
11

Debit card Cash pickup

You pay $7,075.99

₹649,673

-₹7,755
12

Credit card Cash pickup

You pay $7,179.99

₹649,673

-₹7,755

Things to consider before sending USD to India

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/INR company

Cheapest way to send money to India

The cheapest option is Sendwave, funded by debit card with bank deposit for the payout. Your recipient gets 657,427.58 INR, which is 0.13% more than the next best option.

Fastest way to send money to India

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 649,768.05 INR, with the money arriving in within minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to India?

For transfers over $10,000, Xe is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to India.

While Xe may not always be the cheapest or fastest way to send INR, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between India and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 300 comparisons across 10 amounts.

This page covers the cheapest and fastest options for USD/INR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

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Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.7268	–	₹670,087.61
TapTap Send Cheapest	96.0000	$1.99	₹672,000.00	+₹1,912.39
MoneyGram	95.7405	$0.00	₹670,183.50	+₹95.89
Sendwave	95.7514	$0.99	₹670,165.08	+₹77.47
Chase	93.3144	$0.00	₹653,200.82	−₹16,886.79

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.0893	–	₹665,624.75
Sendwave Cheapest	95.2749	$0.99	₹666,829.70	+₹1,204.95
TapTap Send	95.2500	$1.99	₹666,750.00	+₹1,125.25
MoneyGram	95.0995	$0.00	₹665,696.50	+₹71.75
Chase	92.8029	$0.00	₹649,620.47	−₹16,004.28

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9404	–	₹664,582.79
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹417.21
Sendwave	95.0025	$0.99	₹664,923.59	+₹340.80
MoneyGram	94.7120	$0.00	₹662,984.00	−₹1,598.79
Chase	92.5252	$0.00	₹647,676.42	−₹16,906.37

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8788	–	₹664,151.95
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹848.05
MoneyGram	94.6965	$0.00	₹662,875.50	−₹1,276.45
Chase	92.5252	$0.00	₹647,676.42	−₹16,475.53
Sendwave No quote collected this day	–	–	–	–

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9578	–	₹664,704.25
Sendwave Cheapest	95.0341	$0.99	₹665,144.41	+₹440.16
TapTap Send	95.0000	$1.99	₹665,000.00	+₹295.75
MoneyGram	94.5915	$0.00	₹662,140.50	−₹2,563.75
Chase	92.4850	$0.00	₹647,394.95	−₹17,309.30

How to send money to India from the US with the best USD-INR rate

Best companies for USD/INR transfers

How to send money from US to India

Pick a company

Pay for it

Check and send

How much USD are you sending to India?

Is today a good time to send money from US to India?

Understanding USD/INR exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to India

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Banks

Global accounts

Multi-currency accounts

Ways to fund USD and receive INR in India

Things to consider before sending USD to India

Find the right USD/INR company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to India?

How we analyze the market

Related transfer routes

Send money from India

Send money to India

Recommendations

Tools & resources

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9655	–	₹664,758.53
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹241.47
Sendwave	94.9949	$0.99	₹664,870.26	+₹111.73
MoneyGram	94.7515	$0.00	₹663,260.50	−₹1,498.03
Chase	92.3820	$0.00	₹646,674.27	−₹18,084.26

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8889	–	₹664,221.95
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹778.05
Sendwave	94.8218	$0.99	₹663,658.87	−₹563.08
MoneyGram	94.6517	$0.00	₹662,561.90	−₹1,660.05
Chase	92.3820	$0.00	₹646,674.27	−₹17,547.68

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.6418	–	₹662,492.25
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹2,507.75
Sendwave	94.6950	$0.99	₹662,771.18	+₹278.93
MoneyGram	94.5616	$0.00	₹661,931.20	−₹561.05
Chase	92.2395	$0.00	₹645,676.19	−₹16,816.06

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.7832	–	₹663,482.05
Aspora Cheapest	94.7832	$0.00	₹663,482.05	Same
TapTap Send	94.5000	$1.99	₹661,500.00	−₹1,982.05
MoneyGram	94.2123	$0.00	₹659,486.10	−₹3,995.95
Chase	91.8526	$0.00	₹642,968.30	−₹20,513.75
Sendwave No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9673	–	₹664,771.07
Aspora Cheapest	94.9673	$0.00	₹664,771.07	Same
TapTap Send	94.8000	$1.99	₹663,600.00	−₹1,171.07
MoneyGram	94.4837	$0.00	₹661,385.90	−₹3,385.17
Chase	92.2081	$0.00	₹645,456.89	−₹19,314.18
Sendwave No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9455	–	₹664,618.53
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹381.47
Sendwave	94.9899	$0.99	₹664,835.05	+₹216.52
Chase	92.2935	$0.00	₹646,054.50	−₹18,564.03
MoneyGram No quote collected this day	–	–	–	–

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.1451	–	₹666,015.69
TapTap Send Cheapest	95.1500	$1.99	₹666,050.00	+₹34.31
Sendwave	95.1616	$0.99	₹666,037.34	+₹21.65
MoneyGram	94.7500	$0.00	₹663,250.00	−₹2,765.69
Chase	92.2935	$0.00	₹646,054.50	−₹19,961.19

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.0811	–	₹665,567.72
TapTap Send Cheapest	95.2100	$1.99	₹666,470.00	+₹902.28
Sendwave	95.1637	$0.99	₹666,051.90	+₹484.18
MoneyGram	94.9203	$0.00	₹664,442.10	−₹1,125.62
Chase	92.4540	$0.00	₹647,178.02	−₹18,389.70

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.1180	–	₹665,826.11
Aspora Cheapest	95.1180	$0.00	₹665,826.10	−₹0.01
TapTap Send	95.1000	$1.99	₹665,700.00	−₹126.10
MoneyGram	94.8103	$0.00	₹663,672.10	−₹2,154.01
Chase	92.6966	$0.00	₹648,876.45	−₹16,949.66
Sendwave No quote collected this day	–	–	–	–

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.3074	–	₹667,151.80
Sendwave Cheapest	95.3562	$0.99	₹667,399.28	+₹247.48
TapTap Send	95.2000	$1.99	₹666,400.00	−₹751.80
MoneyGram	94.9877	$0.00	₹664,913.90	−₹2,237.90
Chase	92.8830	$0.00	₹650,180.72	−₹16,971.08

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.1197	–	₹665,837.90
Sendwave Cheapest	95.2638	$0.99	₹666,751.94	+₹914.04
TapTap Send	95.2000	$1.99	₹666,400.00	+₹562.10
MoneyGram	94.9477	$0.00	₹664,633.90	−₹1,204.00
Chase	92.7088	$0.00	₹648,961.68	−₹16,876.22

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.9125	–	₹664,387.53
Sendwave Cheapest	95.2222	$0.99	₹666,460.85	+₹2,073.32
TapTap Send	95.0000	$1.99	₹665,000.00	+₹612.47
MoneyGram	94.8271	$0.00	₹663,789.70	−₹597.83
Chase	92.4368	$0.00	₹647,057.60	−₹17,329.93

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8064	–	₹663,644.80
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹1,355.20
Sendwave	94.8454	$0.99	₹663,824.11	+₹179.31
MoneyGram	94.6574	$0.00	₹662,601.80	−₹1,043.00
Chase	92.4368	$0.00	₹647,057.60	−₹16,587.20

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.7125	–	₹662,987.85
TapTap Send Cheapest	95.0000	$1.99	₹665,000.00	+₹2,012.15
Sendwave	94.8625	$0.99	₹663,943.45	+₹955.60
MoneyGram	94.5477	$0.00	₹661,833.90	−₹1,153.95
Chase	92.3931	$0.00	₹646,751.59	−₹16,236.26

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.7784	–	₹663,448.45
Aspora Cheapest	94.7784	$0.00	₹663,448.45	Same
Sendwave	94.7767	$0.99	₹663,343.14	−₹105.31
TapTap Send	94.7200	$1.99	₹663,040.00	−₹408.45
MoneyGram	94.4126	$0.00	₹660,888.20	−₹2,560.25
Chase	92.1928	$0.00	₹645,349.67	−₹18,098.78

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.3606	–	₹660,524.22
Xe Cheapest	94.5605	$0.00	₹661,923.50	+₹1,399.28
TapTap Send	94.5100	$1.99	₹661,570.00	+₹1,045.78
Sendwave	94.3925	$0.99	₹660,653.91	+₹129.69
MoneyGram	94.2465	$0.00	₹659,725.50	−₹798.72
Chase	91.8305	$0.00	₹642,813.27	−₹17,710.95

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.0162	–	₹658,113.39
TapTap Send Cheapest	94.5000	$1.99	₹661,500.00	+₹3,386.61
MoneyGram	94.2435	$0.00	₹659,704.50	+₹1,591.11
Sendwave	94.1349	$0.99	₹658,850.76	+₹737.37
Chase	91.5702	$0.00	₹640,991.59	−₹17,121.80

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.0473	–	₹658,330.75
Sendwave Cheapest	94.1349	$0.99	₹658,850.97	+₹520.22
TapTap Send	94.0500	$1.99	₹658,350.00	+₹19.25
MoneyGram	93.7717	$0.00	₹656,401.90	−₹1,928.85
Chase	91.4489	$0.00	₹640,142.39	−₹18,188.36

Sun, Nov 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	93.9105	–	₹657,373.53
Sendwave Cheapest	94.1349	$0.99	₹658,850.97	+₹1,477.44
TapTap Send	94.0000	$1.99	₹658,000.00	+₹626.47
MoneyGram	93.7717	$0.00	₹656,401.90	−₹971.63
Chase	91.5213	$0.00	₹640,649.32	−₹16,724.21

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	93.8732	–	₹657,112.75
Aspora Cheapest	93.8732	$0.00	₹657,112.75	Same
Sendwave	93.8470	$0.99	₹656,836.09	−₹276.66
TapTap Send	93.8300	$1.99	₹656,810.00	−₹302.75
MoneyGram	93.6968	$0.00	₹655,877.60	−₹1,235.15
Chase	91.3728	$0.00	₹639,609.77	−₹17,502.98

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	93.3718	–	₹653,602.95
Sendwave Cheapest	93.9315	$0.99	₹657,427.58	+₹3,824.63
TapTap Send	93.8000	$1.99	₹656,600.00	+₹2,997.05
MoneyGram	93.7941	$0.00	₹656,558.70	+₹2,955.75
Chase	91.3728	$0.00	₹639,609.77	−₹13,993.18