What we compare for money transfers

  • Net recipient amount for the same destination, currency, send amount and quote time
  • Transfer fee plus FX cost, funding and delivery method, speed and transfer limits
  • Recorded route availability and sender/recipient requirements

How these picks work: Current scenario picks highlight documented funding or payout methods. Price and speed winners require comparable, timestamped provider quotes; a reference conversion is not a provider quote.

Each pick needs a reviewed published version and a linked provider source. Picks name the need, evidence date and main drawback. Product-name order breaks equal-criterion ties. Compensation is not a selection input. Full methodology · Editorial policy · How we make money

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Review fees, payment methods, and delivery times. Select a product for details and sources. “Not confirmed” means the information is unavailable.

Published costs and requirements for this category
Product Recorded route Transfer fee Funding Payout Arrival estimate
ICICI Money2India U.S. to IndiaICICI Bank United States → India (USD → INR) $4 for amounts below USD 1,000; no Money2India transfer fee at USD 1,000 or more — checked 2026-10-30. Not confirmed Indian bank deposit Express: usually 4 hours; E-Transfer: usually 5 business days; Power: usually 1 business day after funds arrive.
Instarem U.S. to IndiaInstarem United States → India (USD → INR) Most transfers have $0 transaction fee; some under $100 cost up to $2.99. Debit cards add 2%, credit cards 3%, where offered — checked 2026-10-30. ACH/direct debit, bank transfer/Payee or wire as quoted Indian bank deposit, UPI where offered May arrive in minutes; allow 1–2 business days and funding clearance. Quote-specific estimate applies.
LemFi U.S. to IndiaLemFi United States → India (USD → INR) India transfers may incur a fee; confirm the final charge in the app — checked 2026-10-30. Not confirmed Indian bank deposit India page advertises arrival usually within minutes; verification, funding and bank processing can delay delivery. Use the app estimate.
MAJORITY U.S. to IndiaMAJORITY United States → India (USD → INR) Base/no-membership transfers: $1.99 per transfer. Plus membership: $6.99 every 30 days with $0 MAJORITY transfer fee to India — checked 2026-10-30. Not confirmed Indian bank account deposit Bank deposits usually within an hour; receiving-bank and verification conditions can delay delivery.
MoneyGram U.S. to IndiaMoneyGram United States → India (USD → INR) Quote-based fee; eligible new customers may receive $0 first-online-transfer fee. Credit-card exclusions and offer terms apply — checked 2026-10-30. digital bank/card options as quoted, cash at participating locations cash pickup, bank deposit India account-deposit documentation lists a few hours; funding, checks and bank/agent hours can delay delivery.
OFX U.S. to IndiaOFX United States → India (USD → INR) OFX U.S. advertises no transfer fees. Its customer exchange rate and possible intermediary/bank charges affect total cost — checked 2026-10-30. Not confirmed Indian bank deposit Most India transfers complete in one to two business days after OFX receives the funds.
Paysend U.S. to IndiaPaysend United States → India (USD → INR) A fixed transfer fee is displayed for the selected corridor and delivery method; confirm the current quote — checked 2026-10-30. Not confirmed Indian bank account / UPI UPI usually within minutes; bank-account delivery usually the same day. Confirm the transaction-specific estimate.
Remitly U.S. to IndiaRemitly United States → India (USD → INR) Published USD/INR fee table: $3.99 below $1,000; $0 at $1,000+. Confirm the exact quote. bank account when offered, debit/credit card when offered bank deposit, UPI, cash pickup where offered Minutes for eligible transfers; others take a few business days. Quote and receipt show the promised delivery time.
Ria U.S. to IndiaRia United States → India (USD → INR) Fees depend on amount, funding and receive method; online and agent prices differ. bank account online, debit/credit card online, cash through eligible retail locations bank deposit, cash pickup; other wallet methods require corridor confirmation Verified ACH-funded transfers typically take 3–5 business days; cards/cash can be faster. Checks and payout hours may delay delivery.
SBIC SendMoneyEZ U.S. to IndiaSBIC Bank United States → India (USD → INR) No online/mobile remittance transfer fee for eligible SBIC Bank deposit account holders, within daily limits — checked 2026-10-30. Not confirmed Indian bank deposit Same-day processing means usually within 24 hours excluding weekends/holidays; funding holds and checks apply. Online transfers above $50,000 may need 1–2 extra business days.
Taptap Send U.S. to IndiaTaptap Send United States → India (USD → INR) USD 1.99 for sends from the United States to India, as listed on the official India product page — checked 2026-10-30. Not confirmed Indian bank account / UPI 95% of transfers to India are delivered in under 3 minutes. Bank transfers typically under two hours but may take two working days to appear; UPI typically within a few minutes.
Western Union U.S. to IndiaWestern Union United States → India (USD → INR) Quote-based pricing; eligible first-online-transfer $0-fee offer excludes credit cards and specified services. bank account, debit/credit card, cash at participating agent locations bank deposit, cash pickup, UPI where offered UPI may take minutes; cash pickup same day; bank delivery up to five days. Quote estimate applies.
Wise U.S. to India (USD → INR)Wise United States → India (USD → INR) Upfront fee depends on amount and payment method; no recurring subscription fee. ACH/bank funding, debit or credit card when offered in quote Indian bank deposit, UPI subject to limits Eligible IMPS/UPI can be instant. Standard bank arrival usually one working day after receipt/conversion; conversion and funding add time.
WorldRemit U.S. to IndiaWorldRemit United States → India (USD → INR) Quote-based fees; first-transfer enhanced-rate promotion does not waive all fees. bank transfer where offered, debit/credit card where offered bank deposit confirmed; other India methods require quote confirmation Personal bank accounts usually same day; business accounts 1-2 working days after processing. Funding and verification add time.
Xe U.S. to IndiaXe United States → India (USD → INR) India page advertises $1 below $1,000 and $0 above $1,000. Check the exact $1,000 boundary in the quote; card funding adds fees. ACH, bank wire, debit/credit card when offered bank deposit, cash pickup where offered Cards can be fastest. ACH holding periods and wire funding can add business days; use your quote estimate. Many transfers arrive same day; card payments can be delivered in minutes.
Xoom U.S. to IndiaXoom United States → India (USD → INR) $0 Xoom fee for $1,000+ bank-account/PayPal-balance-funded transfers to Indian bank or UPI. Other combinations require a quote. bank account, debit/credit card, PayPal balance where offered bank deposit, UPI, cash pickup where offered Cash pickup typically minutes; UPI typically within 15 minutes. Major-bank deposits up to INR 500,000 typically minutes; larger deposits typically up to two hours. Verification can delay delivery.

Compare provider quotes for the same send amount and country. Confirm fees, exchange-rate markup, final recipient amount and timing.

Best for your situation

Up to three highlights for specific needs from reviewed published facts. Each shows a reason and trade-off. These are not personalized approval predictions; the finder checks your situation. How we choose these picks

Commercial payments do not determine these picks. Equal criteria use product name as a tie-breaker. The full list starts in alphabetical order; use the filters and sort to narrow it.

Best for bank-funded transfers

Xe U.S. to India

Why: The reviewed transfer information explicitly lists bank funding. Check availability for your destination.

Trade-off: Card payment fees and third-party costs may apply even with $0 send fee. The published U.S. consumer terms restrict this service to persons located in the United States and describe use by persons 18 or older with capacity to contract. Register with accurate identity/address information and complete required verification; credit/background reports or sanctions checks may be used, but hard/soft inquiry type was not specified. U.S. verification guidance lists passport, driver license or ID card for identity, with utility bill, current lease, checking/savings statement or U.S. government statement for address; address documents generally must be dated within 3 months. Foreign-issued driver license/ID may fail; the guidance says to use a passport instead. A selfie, source-of-funds or transfer-purpose documents may be requested. Universal SSN requirement, ITIN acceptance and a visa-category whitelist were not confirmed. Fund from a legitimate account/card in your name; the bank-account name must match your Xe account. U.S. provider identified in the published terms: Dandelion Payments, Inc. dba Xe USA, NMLS 920968. No product-specific U.S. state exclusion was verified in the reviewed sources. The U.S. consumer terms impose a U.S.-location restriction. Confirm state availability and funding options during registration/quote; do not assume a particular state or visa category is approved.

Reviewed · Provider source · Details and sources →

Best for cash pickup

MoneyGram U.S. to India

Why: The reviewed transfer information explicitly lists cash pickup. Check availability for your recipient's destination.

Trade-off: Fees and FX rates vary; credit-card cash-advance charges may also apply. The U.S. online service agreement requires U.S. residence and age 18+, or the applicable age of majority and contractual capacity. Online identity checks ask for name, street address, date of birth and may request a driver’s license or other identifying documents. MoneyGram can obtain consumer reports for verification; no specific soft/hard credit-inquiry classification or credit-building reporting promise was established. SSN/ITIN acceptance and precise documentation thresholds for this route remain unconfirmed. No categorical temporary-visa exclusion was found; U.S. residence is not synonymous with U.S. citizenship or a green card. Sender-owned, valid, adequately funded bank or card payment methods and accurate recipient information are required. Online transfers on behalf of another person are prohibited. Retail sending is available, but agent-specific verification requirements should be checked separately. The listing covers remittances, not a MoneyGram deposit account or credit product. MoneyGram’s official U.S. state-licensing page states authorization to do business in all 50 states, Washington, D.C. and all U.S. territories. No U.S. state exclusion was found for this listing. Licensing does not guarantee that every India payment, delivery or retail option is offered in each location; online residency, verification and transfer-specific limits still apply.

One of 2 reviewed options sharing this criterion.

Reviewed · Provider source · Details and sources →

Select up to 4 products to compare side by side.

ICICI Bank

Send money to India

United States → India · USD → INR

Transfer fee
$4 for amounts below USD 1,000 no Money2India transfer fee at USD 1,000 or more — checked 2026-10-30.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Express: usually 4 hours; E-Transfer: usually 5 business days; Power: usually 1 business day after funds arrive.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

Instarem

Send money to India

United States → India · USD → INR

Transfer fee
Most transfers have $0 transaction fee some under $100 cost up to $2.99. Debit cards add 2%, credit cards 3%, where offered — checked 2026-10-30.
Exchange rate
Current U.S. fee page states an FX margin applies. Compare the INR received.
Estimated delivery
May arrive in minutes; allow 1–2 business days and funding clearance. Quote-specific estimate applies.

LemFi

Send money to India

United States → India · USD → INR

Transfer fee
India transfers may incur a fee confirm the final charge in the app — checked 2026-10-30.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
India page advertises arrival usually within minutes; verification, funding and bank processing can delay delivery. Use the app estimate.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

MAJORITY

Send money to India

United States → India · USD → INR

Transfer fee
Base/no-membership transfers: $1.99 per transfer. Plus membership: $6.99 every 30 days with $0 MAJORITY transfer fee to India — checked 2026-10-30.
Exchange rate
MAJORITY earns on the exchange rate; compare the quoted INR received and total cost.
Estimated delivery
Bank deposits usually within an hour; receiving-bank and verification conditions can delay delivery.
Additional costs
Additional charges: see full breakdown.

MoneyGram

Send money to India

United States → India · USD → INR

Transfer fee
Quote-based fee eligible new customers may receive $0 first-online-transfer fee.
Exchange rate
MoneyGram earns on currency conversion; compare recipient INR and total paid.
Estimated delivery
India account-deposit documentation lists a few hours; funding, checks and bank/agent hours can delay delivery.
Additional costs
Credit-card exclusions and offer terms apply — checked 2026-10-30.

OFX

Send money to India

United States → India · USD → INR

Transfer fee
OFX U.S. advertises no transfer fees.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Most India transfers complete in one to two business days after OFX receives the funds.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

Paysend

Send money to India

United States → India · USD → INR

Transfer fee
A fixed transfer fee is displayed for the selected corridor and delivery method confirm the current quote — checked 2026-10-30.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
UPI usually within minutes; bank-account delivery usually the same day. Confirm the transaction-specific estimate.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

Remitly

Send money to India

United States → India · USD → INR

Transfer fee
Published USD/INR fee table: $3.99 below $1,000 $0 at $1,000+. Confirm the exact quote.
Exchange rate
Remitly can earn on the exchange-rate difference; compare recipient INR and total paid.
Estimated delivery
Minutes for eligible transfers; others take a few business days. Quote and receipt show the promised delivery time.
Additional costs
Credit-card issuer may charge cash-advance fees and interest.

Ria

Send money to India

United States → India · USD → INR

Transfer fee
Fees depend on amount, funding and receive method online and agent prices differ.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Verified ACH-funded transfers typically take 3–5 business days; cards/cash can be faster. Checks and payout hours may delay delivery.
Additional costs
Your card issuer may charge a cash-advance fee and interest.

SBIC Bank

Send money to India

United States → India · USD → INR

Transfer fee
No online/mobile remittance transfer fee for eligible SBIC Bank deposit account holders, within daily limits — checked 2026-10-30.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Check the delivery estimate and conditions in your provider quote.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

Taptap Send

Send money to India

United States → India · USD → INR

Transfer fee
USD 1.99 for sends from the United States to India, as listed on the official India product page — checked 2026-10-30.
Exchange rate
The final USD/INR exchange rate is quoted by the provider before confirmation and may change.
Estimated delivery
Check the delivery estimate and conditions in your provider quote.
Additional costs
Your funding bank or recipient bank may charge separately. Compare the total INR received.

Western Union

Send money to India

United States → India · USD → INR

Transfer fee
Quote-based pricing eligible first-online-transfer $0-fee offer excludes credit cards and specified services.
Exchange rate
Western Union earns on FX; compare final recipient INR.
Estimated delivery
UPI may take minutes; cash pickup same day; bank delivery up to five days. Quote estimate applies.

Wise

Send money to India

United States → India · USD → INR

Transfer fee
Upfront fee depends on amount and payment method no recurring subscription fee.
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Eligible IMPS/UPI can be instant. Standard bank arrival usually one working day after receipt/conversion; conversion and funding add time.
Additional costs
Credit-card funding can cost more and incur issuer cash-advance charges.

WorldRemit

Send money to India

United States → India · USD → INR

Transfer fee
Quote-based fees first-transfer enhanced-rate promotion does not waive all fees.
Exchange rate
Compare final INR received and total USD paid; quoted rate may include an FX margin.
Estimated delivery
Personal bank accounts usually same day; business accounts 1-2 working days after processing. Funding and verification add time.

Xe

Send money to India

United States → India · USD → INR

Transfer fee
India page advertises $1 below $1,000 and $0 above $1,000. Check the exact $1,000 boundary in the quote
Exchange rate
Check the exchange rate in your provider quote.
Estimated delivery
Check the delivery estimate and conditions in your provider quote.
Additional costs
card funding adds fees.

Xoom

Send money to India

United States → India · USD → INR

Transfer fee
$0 Xoom fee for $1,000+ bank-account/PayPal-balance-funded transfers to Indian bank or UPI. Other combinations require a quote.
Exchange rate
Currency-conversion spread remains even with $0 transfer fee.
Estimated delivery
Check the delivery estimate and conditions in your provider quote.
Additional costs
Additional charges: see full breakdown.

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Compare international money-transfer apps and services

The best way to send money home depends on your destination, amount, funding method and recipient's needs. Compare equivalent provider quotes.

Send money to India or another destination from the U.S.

Select your recipient's country and confirm that the provider supports the destination, currency and payout method. Check recipient requirements and transfer limits before choosing a route.

Total cost and exchange-rate markup

Compare the quoted exchange rate with a reference rate to assess any exchange-rate markup, then check transfer fees, disclosed deductions and the expected recipient amount. Use the same send amount and destination for each quote. CFPB: transfer fees, rates and recipient amounts. The separate currency converter gives a reference estimate, not a provider quote.

Cash pickup vs. bank deposit: which transfer is fastest?

Use the provider's arrival estimate for your chosen route, funding method and payout option. Confirm pickup or bank-account requirements and any verification steps. Transfer disclosures include availability information; check that estimate before paying. CFPB: transfer availability and disclosures.

Product-specific eligibility and features come from the provider's terms linked on each product detail page. “Not confirmed” means the published information we reviewed does not establish that claim.

How it works

Three simple steps to a short list of options that match your situation.

  1. Answer anonymously

    Tell us a few basics about your U.S. situation and what you need.

  2. Check published rules

    We compare your answers against each provider’s published eligibility criteria.

  3. See your options

    Review products that may fit, with the reasons and terms we relied on.

About international money transfers

Transfer fees, exchange-rate margins, and delivery speed vary by provider, destination, and funding method. Compare total cost—not just the advertised fee—and confirm destination availability with the provider.

Read the money-transfer guide