Send money to India
Send money to India fee-free on transfers over $1,000, and just $1 on smaller transfers. You’ll get competitive USD to INR exchange rates, and can see exactly how much your recipient will receive before you send.
All our exchange rates give you more INR for every USD you send
Take advantage of Xe's current sending rate of 94.8269 per US Dollars when you transfer $1,000.00 US Dollars today, giving your recipient ₹94,826.90 Indian Rupees.
How much does it cost to send money to India?
The cost depends on how much you send and how you pay. Transfers under $1,000 have a $1 fee. Transfers over $1,000 have $0 transfer fees. We always show your full cost, including exchange rate and fees, before you confirm.
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.
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.
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.
Ways to Pay for Your India Money Transfer
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
(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
(Fastest)
Card payments typically take minutes. However, card payments come with a small additional fee.
Connected to banks across India
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.
Why send money to India with Xe?
Millions of people around the world trust Xe for international money transfers. Here's why.
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.
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 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.
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
Check live exchange rates to INR, send money to bank accounts in India or cash pickup locations, set rate alerts, and track your transfer, all from your phone. It's fast, secure, and there are no surprise fees.
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.
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.
Xe is trusted by millions around the globe
FAQ