Best companies for INR/USD transfers
2 of 2 providers Last updated on 28 October 2026
Based on 600,000 INR transfer Best companies for INR/USD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₹7,310.95 1 INR = 0.0105 USD +0.02% vs mid-market	Recipient gets $6,223.59 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹7,310.951 INR = 0.0105 USD $6,223.59You pay₹6,00,000.00
Promoted Regency FX Pay via Bank transfer	Fee ₹0.00 1 INR = 0.0105 USD +0.27% vs mid-market	Recipient gets $6,284.79 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 INR = 0.0105 USD $6,284.79You pay₹6,00,000.00
Run a live search Showing top India to United States deals for 600,000 INR. 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 INR to USD rates.
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much INR you're planning to spend in United States.
Run a live search These are managed services with real human support for large INR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee ₹0.00 1 INR = 0.0105 USD +0.27% vs mid-market	Recipient gets $6,284.79 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 INR = 0.0105 USD $6,284.79You pay₹6,00,000.00
Wise Pay via Bank transfer	Fee ₹7,310.95 1 INR = 0.0105 USD +0.02% vs mid-market	Recipient gets $6,223.59 Same day
25 reviews FastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹7,310.951 INR = 0.0105 USD $6,223.59You pay₹6,00,000.00
How Our Results Work Mid-market rate: 1 INR = 0.0105 USD Updates every 60 minutes.

Why compare

INR/USD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from India to US

Pick a company

For a one-off INR transfer to US, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 29 of the 29 days it quoted ₹600,000 transfers to US.

On a 600,000 INR transfer, Regency FX delivers the most USD.

The best option will change depending on how much you actually send, so I suggest to get the best INR/USD rate.

Fund your transfer

You can fund your transfer via bank transfer.

Most people pay with UPI straight from their banking app, and it reaches the money transfer company account in seconds.

For a large amount (10+ lakhs), ask for RTGS instead, it clears quicker than the everyday rails.

Verify and send

You'll need your PAN and a signed Form A2 before the money can leave the country.

Start a first transfer a few days early.

Compare amounts

How much INR are you sending to US?

How much INR you send to US 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 Regency FX was the cheapest in 100% of all the transfers it quoted over the past month.


₹50,000	0.01%	₹1,004.12	$514.46with bank transfer to bank deposit	+$5.55
₹1,00,000	0.02%	₹1,577.47	$1,033.46with bank transfer to bank deposit	+$5.05
₹2,00,000	0.03%	₹2,724.18	$2,071.34with bank transfer to bank deposit	$0.00
₹5,00,000	0.03%	₹6,164.25	$5,185.52with bank transfer to bank deposit	$0.00
₹6,00,000This page	0.27%	₹0.00	$6,284.79with bank transfer to bank deposit	+$30.60
₹10,00,000	0.27%	₹0.00	$10,483.62with bank transfer to bank deposit	+$50.27

Mid-market rate: 1 INR = 0.0105 USD

INR/USD Exchange Rate History

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

The cheapest way to send INR to USD 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 Regency FX), across 30 days of comparisons for 600,000 INR transfers to US.

Each line shows what the recipient gets when you send ₹6,00,000, after fees, as quoted by each company. The mid-market line shows what ₹6,00,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

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 USD per INR than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of USD on every transfer from India.

Right now, Regency FX pays 6,284.79 USD on 600,000 INR, which is 17.01 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,323.68 USD.

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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to US.

We've tracked 152 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

Regency FXAppeared in 59 comparisons
Cheapest every time
WiseAppeared in 152 comparisons
Cheapest in 61% of them

Based on 152 comparisons across 6 amounts over the last 30 days.

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 analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in 61% of its comparisons, so if you send money to US regularly, it's worth comparing it with Regency FX before each transfer.

Ways to send money from India to US

You have 2 options to send money to United States from India.

Easiest way to send INR

Online transfers

Online services and apps are simple and cheap for INR to the United States transfers.

It works well for tuition deposits, living costs, and other ongoing payments to US.

Wise charges 7310.95 INR in fees to send ₹600,000, which will get your recipient around 6,223.59 USD.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Spending and receiving

Multi-currency accounts

With Wise you can hold INR and USD in one account and swap between them when you need.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

And you get USD and INR banking details to receive payments.

Useful if you’re studying in the United States, travelling there often, or getting paid in USD.

Making business payments

Global accounts

Business payments supported by an invoice do not use the owner’s personal LRS allowance.

Wise Business, Instarem Business, and Payoneer can manage freelancer payments, batch payments to US, invoices, and more.

Ways to fund INR and receive USD in US

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₹600,000 gives your recipient 6,284.79 USD.

UPI can fund the INR side when the company supports it, but the outward remittance still leaves India through an RBI-authorised bank.

From India, you can fund your transfer to US using bank transfer.

Fund the outward remittance through your bank

Fund the transfer by bank transfer from your Indian account.

You will normally need your PAN, Form A2 and documents showing the purpose of the transfer.

In US, your recipient can receive USD by bank deposit.

1

Bank transfer Bank deposit

You pay ₹600,000.00

$6,285

Cheapest

Consider this before sending INR to US

Outward transfers from India sit under the Liberalised Remittance Scheme. The purpose decides the documents and how much TCS is collected upfront.

Compare INR/USD transfer options

For an INR 600,000 transfer to United States, the current options are:

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,284.79 USD, which is 0.97% more than the next best option.
The fastest option is Wise, funded by bank transfer with bank deposit in United States. Your recipient gets 6,223.59 USD in same day.

The LRS limit covers all your outward transfers

A resident individual can remit up to USD 250,000 in one financial year under the Liberalised Remittance Scheme for permitted current and capital-account transactions.

The limit is per person and covers your combined LRS use, including gifts, maintenance, study, travel and overseas investment.

It is not a separate allowance for every bank or transfer company.

The authorised money transfer company will normally ask for your PAN, Form A2 and a purpose code.

The RBI LRS direction explains the yearly limit and permitted use.

TCS can lock up cash until your tax return

TCS is collected on qualifying LRS remittances above the annual threshold.

From April 2026, education and medical remittances are generally collected at 2% above ₹10 lakh, while many other purposes carry 20% above the threshold.

Education funded by a qualifying loan does not attract TCS.

TCS is a tax credit rather than an extra transfer fee. You can claim it against your final tax bill, but the money remains unavailable until it is adjusted or refunded.

Add up your LRS payments across banks before sending. The bank or transfer company will need your earlier use to apply the threshold correctly.

UPI only funds the rupee side

UPI can be used to deposit money to a money transfer company, but it can’t send USD to United States.

Instead, a money transfer company will switch to a local network of bank accounts or local rails to move INR to USD.

All outward remittance still passes through an RBI-authorised dealer.

How we analyse the market

Money only leaves India through an RBI-authorised dealer, so that's the first filter on this table.

We track 2 of them on INR to United States, comparing rates, fees and the ways you can pay in, refreshed in real time on live comparisons.

In the past 30 days alone, we analysed 152 comparisons across 6 amounts.

This page covers the cheapest and fastest options for INR/USD 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.

Each one also goes through our review, and hand-collected pricing is marked as such.

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

Send money from India

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Tue, 29 Sept, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,246.60
Regency FX Cheapest	0.0104	₹0.00	$6,229.73	−$16.87
Wise	0.0104	₹7,311.64	$6,169.00	−$77.60

Wed, 30 Sept, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,249.00
Regency FX Cheapest	0.0104	₹0.00	$6,232.13	−$16.87
Wise	0.0104	₹7,311.57	$6,174.87	−$74.13

Thu, 1 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,250.20
Regency FX Cheapest	0.0104	₹0.00	$6,233.32	−$16.88
Wise	0.0104	₹7,311.58	$6,174.09	−$76.11

Fri, 2 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,241.20
Regency FX Cheapest	0.0104	₹0.00	$6,224.35	−$16.85
Wise	0.0104	₹7,311.73	$6,162.12	−$79.08

Sat, 3 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,240.60
Regency FX Cheapest	0.0104	₹0.00	$6,223.75	−$16.85
Wise	0.0104	₹7,311.70	$6,164.20	−$76.40

Sun, 4 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,228.60
Regency FX Cheapest	0.0104	₹0.00	$6,211.78	−$16.82
Wise	0.0104	₹7,311.70	$6,164.20	−$64.40

Mon, 5 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,233.40
Regency FX Cheapest	0.0104	₹0.00	$6,216.57	−$16.83
Wise	0.0104	₹7,311.82	$6,155.07	−$78.33

Tue, 6 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,222.00
Regency FX Cheapest	0.0103	₹0.00	$6,205.20	−$16.80
Wise	0.0104	₹7,311.93	$6,146.65	−$75.35

Wed, 7 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0103	–	$6,204.60
Regency FX Cheapest	0.0103	₹0.00	$6,187.85	−$16.75
Wise	0.0103	₹7,312.18	$6,128.04	−$76.56

Thu, 8 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0103	–	$6,201.00
Regency FX Cheapest	0.0103	₹0.00	$6,184.26	−$16.74
Wise	0.0103	₹7,312.23	$6,124.06	−$76.94

Fri, 9 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0103	–	$6,209.40
Regency FX Cheapest	0.0103	₹0.00	$6,192.63	−$16.77
Wise	0.0103	₹7,312.10	$6,133.85	−$75.55

Sat, 10 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0103	–	$6,199.80
Regency FX Cheapest	0.0103	₹0.00	$6,183.06	−$16.74
Wise	0.0104	₹7,311.83	$6,154.53	−$45.27

Mon, 12 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0104	–	$6,267.00
Regency FX Cheapest	0.0104	₹0.00	$6,250.08	−$16.92
Wise	0.0104	₹7,311.37	$6,190.22	−$76.78

Tue, 13 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,306.00
Regency FX Cheapest	0.0105	₹0.00	$6,288.97	−$17.03
Wise	0.0105	₹7,310.96	$6,222.88	−$83.12

Wed, 14 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,320.40
Regency FX Cheapest	0.0105	₹0.00	$6,303.33	−$17.07
Wise	0.0105	₹7,310.74	$6,240.72	−$79.68

Thu, 15 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,316.20
Regency FX Cheapest	0.0105	₹0.00	$6,299.15	−$17.05
Wise	0.0105	₹7,310.78	$6,236.93	−$79.27

Fri, 16 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,315.60
Regency FX Cheapest	0.0105	₹0.00	$6,298.55	−$17.05
Wise	0.0105	₹7,310.81	$6,235.15	−$80.45

Sat, 17 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,318.00
Regency FX Cheapest	0.0105	₹0.00	$6,300.94	−$17.06
Wise	0.0105	₹7,310.77	$6,237.94	−$80.06

Mon, 19 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,328.20
Regency FX Cheapest	0.0105	₹0.00	$6,311.11	−$17.09
Wise	0.0105	₹7,310.61	$6,251.04	−$77.16

Tue, 20 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,328.80
Regency FX Cheapest	0.0105	₹0.00	$6,311.71	−$17.09
Wise	0.0105	₹7,310.64	$6,248.61	−$80.19

Wed, 21 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0106	–	$6,340.80
Regency FX Cheapest	0.0105	₹0.00	$6,323.68	−$17.12
Wise	0.0106	₹7,310.49	$6,260.34	−$80.46

Thu, 22 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.0106	₹7,310.50	$6,259.10	–
Regency FX No quote collected this day	–	–	–	–

Sat, 24 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,319.20
Regency FX Cheapest	0.0105	₹0.00	$6,302.14	−$17.06
Wise	0.0105	₹7,310.76	$6,239.18	−$80.02

Mon, 26 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,307.80
Regency FX Cheapest	0.0105	₹0.00	$6,290.77	−$17.03
Wise	0.0105	₹7,310.90	$6,227.92	−$79.88

Wed, 28 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0105	–	$6,301.80
Regency FX Cheapest	0.0105	₹0.00	$6,284.79	−$17.01
Wise	0.0105	₹7,310.95	$6,223.59	−$78.21

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

Best companies for INR/USD transfers