Fees are only half the story. A transfer advertised as free can cost more than one with an upfront fee, because the exchange rate carries a hidden margin. This comparator estimates what actually reaches India from a US dollar transfer, using the fees each provider publishes, set against today’s live mid-market USD/INR rate.
Send Money to India: Cost Comparator
How much of your money actually reaches India? Enter an amount to compare estimated receipts at today's mid-market rate.
Estimate from published fees as of October 12, 2026; check the provider for a live quote.
Wise: Fee of $6.85 on a $1,000 bank transfer and the mid-market rate, from Wise's published USD to INR comparison page (wise.com), fetched October 12, 2026.
Remitly: Remitly publishes zero transfer fees for USD to INR on remitly.com corridor pages and in its own Wise comparison (fetched October 12, 2026). Its exchange rate is set per transfer and is not published as a fixed margin, so the amount received cannot be estimated here.
Instarem: Instarem states on instarem.com that fees and exchange rates vary by amount, currency, payment method and receiving country. No fixed published figure to estimate from.
Xoom (PayPal): Xoom's India page (xoom.com, fetched October 12, 2026) shows promotional first-transfer pricing; standard fees vary by payment method, so there is no single published figure to estimate from.
How to read this
Each estimate uses the published fee basis named under the provider. Where a provider does not publish a fixed fee or a fixed margin, the row says check provider instead of guessing a number. Exchange rates move all day, so treat these figures as a comparison, not a quote.
For every way to move money, including bank wires and the methods in between, read How to Send Money to India from the USA: the complete guide.