Quick Comparison (USD → INR, $1,000)
Rates are indicative — always verify on the provider's site before sending.
| Provider | Exchange Rate | Fee | Speed | Recipient Gets | Our Rating | Action |
|---|---|---|---|---|---|---|
|
💸
Wise
Best Value
|
83.20 | 0.66% ~$6.60 |
Minutes – 24h | ₹82,621 |
⭐⭐⭐⭐⭐
|
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|
🚀
Remitly
|
83.10 | 2.99% ~$29.90 |
Minutes | ₹80,386 |
⭐⭐⭐⭐
|
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|
🌐
Ria Money
|
83.05 | 3.99% ~$39.90 |
1–2 days | ₹79,728 |
⭐⭐⭐⭐
|
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|
🔶
Western Union
|
82.80 | 4.99% ~$49.90 |
Minutes (cash) | ₹78,729 |
⭐⭐⭐
|
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|
🔷
MoneyGram
|
82.50 | 4.99% ~$49.90 |
1–3 days | ₹78,428 |
⭐⭐⭐
|
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⚠️ Rates shown are indicative. Always verify the exact amount on the provider's website before transacting.
Provider Deep Dives
💸
Wise (formerly TransferWise)
Editor's Pick · Best for most usersRate vs. Mid-Market
~0.5% markup
Transfer Fee
0.41–2.85%
Speed
Instant – 24h
Supported Countries
170+
✅ Pros
- Uses real mid-market exchange rate
- Fully transparent fee structure
- Supports 50+ currencies
- Multi-currency account available
- Regulated by FCA, FinCEN, and more
❌ Cons
- No cash pickup option
- Weekend transfers may be slower
- Fee can be higher for small amounts
🚀
Remitly
Best for speed · Popular USA → India corridorRate vs. Mid-Market
~0.6% markup
Transfer Fee
$0–3.99 fixed
Speed
Minutes (Express)
Supported Countries
170+
✅ Pros
- Express delivery in minutes
- First transfer often fee-free
- Delivery guarantee (on-time or refund)
- Easy mobile app
❌ Cons
- Express tier has higher fees
- Economy tier can take 3–5 days
- Less competitive for large amounts
🔶
Western Union
Best for cash pickup · 200+ countriesRate vs. Mid-Market
~1.5–3% markup
Transfer Fee
$4.99–$49.99
Speed
Minutes (cash)
Agent Locations
550,000+
✅ Pros
- Massive global network
- Cash pickup in minutes
- Trusted brand since 1851
- Multiple payment methods
❌ Cons
- Higher fees than online rivals
- Exchange rate markup is significant
- Website UI can be confusing
Feature Comparison Matrix
| Feature | Wise | Remitly | Ria | Western Union | MoneyGram |
|---|---|---|---|---|---|
| Bank transfer | ✅ | ✅ | ✅ | ✅ | ✅ |
| Cash pickup | ❌ | ✅ | ✅ | ✅ | ✅ |
| Home delivery | ❌ | ✅ | ✅ | ✅ | ❌ |
| Mobile wallet | ✅ | ✅ | ❌ | ✅ | ✅ |
| Rate lock / Forward | ✅ | ❌ | ❌ | ❌ | ❌ |
| Multi-currency account | ✅ | ❌ | ❌ | ❌ | ❌ |
| Rate alerts | ✅ | ❌ | ❌ | ❌ | ❌ |
| Business transfers | ✅ | ❌ | ❌ | ✅ | ✅ |
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