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Send money to India

Send money to India easily with no fees on transfers over $1,000, or just $1 below. Enjoy competitive USD to INR exchange rates, and send more to unlock even better rates on transfers above $3,000.

Connected to banks across India

HDFC Bank
AXIS Bank
ICICI Bank
SBI Bank

How to send money to India with Xe

Set up your first transfer to India in just a few minutes. Here’s how it works.

Send Money to India

Create your free account

Sign up with your email and verify your identity. It only takes 2-3 minutes, and your Xe account is free to create.

Get an instant quote

Enter how much you want to send and the currency you're sending from. We'll show you the live exchange rate, any fees, and exactly how many rupees your recipient in India will receive.

Add recipient details

Enter your recipient's name, bank account number, and set up the transfer in just 5 minutes. Once we get the funds we'll handle the rest.

Send and track your transfer

Choose how you'd like to pay, confirm the details, and you're done. Track your India transfer in real time through the Xe app or website.

Make every dollar count on your money transfer to India

With Xe’s live rate of 96.1706 INR per US Dollars, your $1,000.00 transfer becomes ₹96,170.60—so your recipient receives more, every time.

Sign up and send
How much does it cost to send a money transfer to India?

Send money online to India for everything that matters

Whether you're supporting family, paying for education, or investing in your future, we make sending money to India simple, fast, and transparent.

Family Remittances: Send money home quickly and securely for daily needs or emergencies
Tuition & Education Payments: Pay fees on time with reliable international transfers
Investments & Property: Send larger amounts with ease and unlock better USD to INR rates on $3,000+ transfers

Start my transfer

How long does it take to send money to India?

Many transfers to India arrive the same day. Card payments can be delivered in minutes, while ACH payments typically take 1–3 business days. We’ll show you the estimated delivery time before you send.

Send money to India
Ways to Pay for Your India Money Transfer
Direct Debit

Direct Debit (ACH)
(Cheapest)

Direct Debit, or Automated Clearing House (ACH) payments take funds directly from your bank account and are the cheapest way to pay.

Wire Transfer Simple

Wire transfer
(Best for large transfers)

Wire transfers are best for larger transfers, moving money from your bank to ours. We usually receive funds within 24 hours.

Debit or Credit Card Simple

Debit or Credit Card
(Fastest)

Card payments typically take minutes. However, card payments come with a small additional fee.

Send to 120+ Indian banks with Xe

Whether you're sending money to family, paying for services, or supporting loved ones back home, Xe makes it simple. Send to over 120+ bank accounts in India, including HDFC, SBI, ICICI, and Axis. Choose from cash pickup or bank deposit.

Transfer money to India

Why send money to India with Xe?

Millions of people around the world trust Xe for international money transfers. Here's why.

Maximize your money

Great exchange rates to INR

We work to get you a competitive exchange rate on every transfer to India, so your recipient gets more Indian Rupees for your money.

Lower fees

No hidden fees

You'll see the full cost of your India transfer — rate, fees, and the exact INR amount — before you confirm. What you see is what you get.

Fast transfers

Fast transfers to banks in India

Many transfers to India arrive the same day, and card payments can be delivered within minutes. We’ll show your estimated delivery time before you confirm.

Network security

Trusted and secure for 30+ years

Xe is part of the Euronet Worldwide family, processing over $115 billion in transfers every year. We use bank-level encryption on every transaction and are regulated in every country we operate in.

Send money to India with the Xe app

Built for speed, designed for savings, and trusted worldwide, you can send money to India with fast international transfers and competitive USD to INR exchange rates. Track your transfer in real time from start to delivery, with full transparency every step of the way. Enjoy secure online money transfers with global multi-currency support you can rely on.
Is sending money to India taxable?

Is sending money to India taxable in the United States?

Generally, sending money to family or friends is not taxable. However, large gifts may be subject to IRS reporting rules. We recommend consulting a tax professional if you’re unsure.

Create a free account
Why do I need to verify my identity when making a payment to India?

Why do I need to verify my identity?

To protect customers and prevent fraud, we may ask you to verify your identity. This helps ensure your money reaches the right recipient safely.

Send money now

Xe is trusted by millions around the globe

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FAQ

To send money to India online, you’ll need a few key recipient details. The exact information depends on how you’re delivering the funds (bank deposit or cash pickup).

For a bank transfer to India, you typically need:

  • Recipient’s full legal name (as it appears on their bank account)

  • Bank account number

  • IFSC code (Indian Financial System Code)

  • Bank name and branch

  • Recipient’s address (in some cases)

The IFSC code is required for all bank transfers to India. Use an IFSC lookup tool to quickly find the correct code and avoid delays.

With the Xe app or website, you can send up to $535,000 USD (or the currency equivalent) per transfer to India.

If you need to transfer more than that, our team can assist with large international transfers. Simply contact us to arrange a higher limit.

Minimum transfer amounts may vary depending on your payment method and currency.

Transfer times to India depend on how you pay:

  • Debit card, credit card, Apple Pay, or Google Pay: Often delivered within minutes

  • Bank transfer or wire transfer: Typically same-day or next business day

  • ACH transfer: May take a few business days due to required holding periods

We always show you an estimated delivery time before you confirm your transfer, so you know exactly when your recipient will receive their INR.

The best way to send money to India depends on your priorities — speed, exchange rate, and security.

Most people choose a trusted online remittance provider like Xe because you get:

  • Competitive USD to INR exchange rates

  • Transparent pricing with no hidden fees

  • Fast delivery options

  • Real-time tracking

  • Regulated and secure transfers

The cost of sending money to India depends on:

  • The amount you’re sending

  • Your payment method

  • The USD to INR exchange rate at the time

With Xe, you’ll always see:

  • The live exchange rate

  • Any applicable fees

  • The exact amount your recipient will receive in Indian rupees (INR)

There are no hidden charges — everything is displayed upfront before you confirm your transfer.


Sending money to India with Xe is simple:

1. Create your free account 
Sign up with your email and verify your identity. Your account is free to create.

2. Get an instant quote 
Enter how much USD you want to send to India. We’ll show you the live USD to INR exchange rate, any fees, and the exact rupee amount your recipient will receive.

3. Add recipient details 
Enter your recipient’s bank account number and IFSC code (or select cash pickup, if available).

4. Pay and track your transfer 
Choose your payment method, confirm your details, and send. You can track your transfer to India in real time through the Xe app or website.

Yes. Xe has been in the currency and international money transfer business for over 25 years.

We are part of Euronet Worldwide (NASDAQ: EEFT), a multibillion-dollar global payments company. We operate under strict regulatory standards in the countries where we provide services.

We use:

  • Enterprise-grade encryption and security

  • Anti–Money Laundering (AML) safeguards

  • Know Your Customer (KYC) verification

  • Advanced fraud prevention systems

We’ve processed over $115 billion in global transfers and serve millions of customers worldwide.

To comply with international financial regulations, we may require identity verification when you create an account.

This may include:

  • A government-issued ID (passport or driver’s license)

  • Proof of address (bank statement or utility bill)

All documents are encrypted and securely stored in accordance with regional privacy laws such as GDPR, the US Privacy Act, and Canada’s Privacy Act.

People choose Xe to send USD to INR because we offer:

  • Competitive exchange rates

  • Fast transfers

  • No hidden fees

  • Real-time tracking

  • Bank deposit and cash pickup options

  • 25+ years of global currency expertise

Xe also powers one of the world’s most trusted currency platforms, serving millions of users every year.

In most cases, personal remittances to India are not taxable in the United States. However, tax situations vary based on individual circumstances. We recommend consulting a qualified tax professional if you are unsure.

You can send up to $535,000 USD (or currency equivalent) per transfer online. For larger international transfers to India, contact our team for assistance.

When sending money to India from the US, you can pay using:

  • Debit card

  • Credit card

  • Apple Pay

  • Google Pay

  • ACH transfer

  • Bank transfer

Available options may vary depending on the transfer amount.

Yes. With Xe, you can:

  • Send directly to over 120 Indian bank accounts

Choose cash pickup (where available)

Yes. We accept:

  • Debit cards

  • Credit cards

  • Apple Pay

  • Google Pay

Card payments are often the fastest way to send money to India.

You can track your US Dollars to INR transfer in real time through the Xe app or website. We’ll notify you at every stage, so you know exactly when your recipient receives the funds.