Best Way to Send Money From India to USA

Looking for the best way to send money from India to USA, one that’s fast, affordable, and secure? Then you should definitely check out Ogvio. Once launched, it will let users transfer funds from India to the USA and beyond within seconds, with minimal transfer fees for a smooth remittance experience (account-to-account transfers will be free).

Besides, the funds you deposit into your account will be stored in stable USD or EUR (your choice), helping protect your savings from inflation. So, if the INR value drops, you'll still preserve your purchasing power.

Table: Ogvio's main information

Ogvio also plans to support crypto transfers to enable instant cross-border transactions with only gas fees, which is perfect for anyone looking for the fastest way to send money from India to the USA using crypto.

To make the process even smoother, Ogvio introduces @Tags, a unique feature that lets you send or request money as easily as sending a message. With @Tags, you'll transfer funds to friends and family abroad without having to enter long account numbers, IBANs, or routing codes.

Key Aspects:

Let's take a deeper look at how this platform can be your best way to send money from India to USA:

• Costs. Ogvio will keep things simple and transparent. Account-to-account transfers will be completely free, while those that do include fees will be low and always shown upfront. You’ll always see the exact charges, along with fair mid-market exchange rates for currency conversion.
• Security. Your funds will be stored in secure on-chain vaults to prevent unauthorized access. Every account will be non-custodial and come with strong encryption and biometric authentication, so only you will be able to access your funds.

• Customer support. Ogvio has a chatbot and you can also contact it via email or its social media accounts.
• Mobile access. Ogvio will initially be launched as a web-based service, which you'll be able to access via mobile and desktop devices.

I think many of us have had that “Why is my transfer still pending?!” moment, but you'll never have to ask that question with Ogvio, thanks to its non-custodial design.

Wise (formerly known as TransferWise) is one of the go-to options for people who want to learn how to send money from India to USA securely.

First of all, it’s regulated in every region it operates. In India, Wise Payments Limited is approved by the Reserve Bank of India (RBI) as an Authorized Dealer Category II to facilitate outward remittances under the Foreign Exchange Management Act (FEMA) guidelines.

Table: Wise's company info

You can simulate your transfer right from the Wise homepage. Simply enter the amount, and you'll see the fee, exchange rate, and delivery estimate before sending anything. Everything is fully transparent, so you can decide whether or not you want to continue sending the money with Wise, even before signing up.

Wise is best known for its multi-currency account, which lets you hold, send, and receive money in 40+ currencies, including INR and USD. For people in India sending money to the USA, it means you can convert at the real exchange rate, avoid hidden markups, and even receive USD like a local if you have clients or family abroad.

Key Aspects

Before choosing Wise for your next transfer, take a closer look at what the platform offers:

• Costs. Wise clearly displays all transfer fees upfront, including any applicable Goods and Services Tax (GST), and always uses the real mid-market exchange rate. The fee itself is dynamic, but in most cases, the larger the transfer amount, the lower the percentage fee.
• Security. Besides being licensed in India, Wise ensures strong security through 2FA, biometrics, data encryption, and 24/7 anti-fraud detection.

• Customer support. You can visit the Wise Help Center for quick answers or troubleshooting guides. Besides that, you can contact Wise via email and chat support.

• Mobile access. Wise has a mobile app available to download from the App Store or the Google Play Store. Also, you can access its website via your mobile browser.

Overall, Wise keeps things transparent, secure, and accessible, no matter if you’re sending money from your laptop or phone. That's why it's considered to be one of the best ways to send money from India to USA, especially for larger transfers.

With Western Union, you can send money directly from India to most major banks across the USA. Before you send, you can get a free money transfer estimate to check the total cost and exchange rate. It lets you see all fees upfront, so you know exactly what you’ll pay.

What I found interesting is that Western Union also lets you specifically send money to overseas universities with a ₹0 transfer fee. This would be a great benefit for students exploring the best way to send money from India to USA.

Table: Western Union pricing

To do that, simply select a business entity as the payee and select “Overseas Education” as the purpose of transfer. Then, fill out the beneficiary bank account details and payment reference number.

Once your transfer is on its way, you can track it in real time using your unique tracking number (MTCN), sent to your email inbox. Funds usually reach most US banks by the next banking day if you send before 4 pm Indian Time. However, delivery times may vary depending on the receiver’s bank holidays.

Key Aspects

Here’s a more in-depth look at Western Union:

• Costs. Western Union makes money from currency exchange, which means that it does apply a markup. So, even though it advertises the fee as free, its exchange rates and taxes may vary by bank and location.
• Security. Founded in 1851, Western Union has a long history that makes it a legit option. It’s an active entity registered with the Registrar of Companies (RoC) in Mumbai and uses proper encryption, as well as procedures such as photo identification and tracking numbers.

• Customer support. There are several ways to reach Western Union support. You can use the live chat option for quick online assistance, call their customer support line, or visit a Western Union agent location near you for in-person help.
• Mobile access. You can send money using the Western Union app. As of writing, the app has a 4.7-star rating on Google Play and a 4.5-star rating on the App Store from hundreds of thousands of users. On top of that, you can access its web-based version via your mobile browser.

Learning how to transfer money from India to USA for students won’t be complicated with Western Union. Its direct transfer to universities should greatly help you in the process.

Founded in 2015, Niyo has earned the trust of over 15 lakh users across 25+ Indian cities. It also owns Kanji Forex, an RBI-authorised AD-II license holder, so international transfers are routed through a regulated entity and done under RBI’s LRS rules.

What I personally like about Niyo is its low-cost, transparent pricing. It claims to be up to 1.5% cheaper than other platforms like Wise or Flywire, which could save you around ₹15,000 on large transfers (₹10 lakh or more). The app also gives a clear breakdown of all the charges, so you know where your money is going and how much the recipient will get.

Table: Niyo asset movement

Niyo doesn’t specifically mention tax or TCS fees, which makes it a good option to explore if you’re wondering how to transfer money from India to the USA without tax under the current ₹10 lakh annual TCS exemption. Every transfer runs through SWIFT under RBI’s LRS, and the app provides real-time alerts so you can track your transfer at every step.

Key Aspects

Here are some aspects you need to know before using Niyo:

• Costs. Niyo advertises no platform/forex fee for international transfers. If a bank applies SWIFT network charges, Niyo claims it will credit Niyo Coins as a rebate (typically up to about ₹1,300 worth), rather than refunding cash.
• Security. Beyond its RBI compliance, Niyo protects its app and site using biometric authentication and firewalls. Funds in Niyo accounts are also insured up to ₹5 lakh by the Deposit Insurance and Credit Guarantee Corporation (DICGC).

• Customer support. Users can get support via email or live chat on Niyo’s website. Niyo even offers a doorstep service for educational remittances, where a Relationship Manager visits your home to help with KYC, card setup, and app walkthrough. This service is available in cities like Bangalore, Mumbai, Pune, and Delhi-NCR.
• Mobile access. Niyo offers a mobile app. That said, you cannot use Niyo's online banking services through a mobile browser.

Overall, I think Niyo can be one of the best ways to send money from India to the USA, especially if you want a bit of human touch. That doorstep service can be a game-changer for elders or anyone who isn’t really comfortable with digital banking.

Fin.do is an instant money transfer service that supports sending money in over 130 currencies and operates in 200+ countries and regions, including India and the USA.

You can specify the currency you want to send and receive, regardless of the location. For example, when you set “India” as the sending country, you’ll see options like INR, GBP, EUR, and USD as available currencies. Then, you can choose what currency your recipient in the USA will receive.

Table: Fin.do coverage

This setup gives you flexibility, which is suitable if you want to manage exchange rates or send funds in a specific currency that works best for your recipient.

It supports several transfer options, like pay-to-card and pay-to-bank. So, recipients can get the money straight into their supported cards or bank accounts without having to download the Fin.do app. Besides, it offers quick transfer speed, which can be a good option if you're looking for the fastest way to send money from India to the USA.

Key Aspects

Consider these aspects if you’re interested in using Fin.do for sending money to the USA:

• Costs. Fin.do doesn’t use fixed flat rates, as its fees vary depending on the currency, card type, and destination. However, the app clearly shows the total cost and exchange rate upfront before you confirm the transfer, so you always know exactly what you’ll pay.
• Security. This money transfer app is certified by Mastercard, Visa, and PCI DSS, and uses 3D Secure for more protection. You can also log in using Face ID or Touch ID, and their system runs 24/7 anti-fraud monitoring in the background.

• Customer support. If you ever get stuck, you can reach Fin.do’s support team through their live chat on the website or via email. Also, there's a Help Center for the most common issues.
• Mobile access. Fin.do offers apps for both iOS and Android, but you can also access it via a browser on your smartphone without downloading the app.

Overall, Fin.do checks a lot of boxes if you’re figuring out how to send money from India to the USA, especially if you're looking for a platform that is fast, flexible, and easy to use.

BookMyForex is one of India’s first online marketplaces for foreign exchange and remittance services, founded in 2012. The platform operates under the MakeMyTrip group and is RBI-authorized, meaning it’s legally approved to facilitate foreign exchange and international remittances in India.

To help you lower transfer fees, BookMyForex often runs cashback offers. At the time of writing, there’s a promotion where you can get up to ₹15,000 back on your international money transfers. It also comes with a “Lowest Rate Guarantee” to help you get the best deal available.

Table: BookMyForex pricing

Another detail worth mentioning is that you can set an exchange rate alert to notify you when your desired rates are available. This way, you can get the most favorable rate at your own choice without having to check it manually all the time.

Key Aspects

See how BookMyForex helps you send money from India to the US:

• Costs. BookMyForex lists a bank fee of ₹225 + GST, and also discloses Nostro charges of ₹1,000–₹1,500 (currency/vendor dependent). Receiving/foreign bank charges may apply. At times, they waive the bank fee via promos.
• Security. This platform ensures every transaction is safe and compliant with RBI regulations by partnering only with reputed banks and authorized forex dealers. It also uses advanced encryption and secure payment gateways to protect your data.

• Customer support. BookMyForex offers customer support through email, phone, and in-person branch visits. You can reach them by phone or email during support hours (Mon–Fri: 8:00 AM–8:00 PM, Sat: 9:30 AM–5:00 PM), or visit a branch between 9:30 AM and 6:30 PM on weekdays.
• Mobile access. Its mobile app is available to download via the Google Play Store and App Store, but you can also use its web version via your mobile browser.

BookMyForex is a decent option for those who like the ease of online money transfers but still want that bank-like security and reliability. It’s RBI-authorized, partners with trusted banks, and gives you transparent rates.

If you’re not sold on digital or neobank apps and prefer something more traditional, you can learn how to send money from India to the USA using Axis Bank. It’s India's third-largest private sector bank, with 4,000+ branches across the country.

Axis Bank allows account holders to remit money abroad through Internet Banking, the mobile app, or at a branch. When using Internet Banking, you must first register the international payee and wait 30 minutes before initiating the transfer. In the mobile app, transfers can be made immediately after adding the beneficiary.

Transfer Fees	Easy, Prime, Mariner: ₹1,000 per transaction via Wire Transfer / TT / SWIFT; Priority: ₹500 per transaction via Wire Transfer / TT / SWIFT; All tiers: ₹250 or 0.3% of the amount, whichever is higher, via Demand Draft (DD).
Payment Options	Balances in the bank account
Delivery Options	Telegraphic transfer, Wire, SWIFT, Demand Draft (DD)
Transfer speed	2 business days

Table: The main features of Axis Bank

Does sending money through Axis Bank require piles of paperwork? No, if you use online channels. To transfer money from India to the USA, you need to add the beneficiary (name, account number, bank name/address), enter the SWIFT/BIC and (for USD) the ABA routing number.

If you’re sending at a branch, you may need extra supporting documents based on the purpose (e.g., admission/invoice for tuition, medical estimate), along with standard KYC/PAN.

Key Aspects

Check the important features of Axis Bank:

• Costs. Axis Bank’s outward remittance charges vary depending on your account tier: Easy, Prime, Mariner, Priority, or Burgundy. Generally, the higher your tier, the lower your transfer cost. Your tier is determined by your Monthly Average Balance (MAB), meaning the more you maintain in your account, the better the privileges and rates you receive.
• Security. This bank uses tools like Netsecure multi-factor authentication, biometric login, and end-to-end encryption to protect your data and transactions.

• Customer support. Since Axis Bank is a traditional bank, you can always drop by a branch for face-to-face help. If you prefer digital help, you can also call the customer care line or use 24/7 WhatsApp Banking for quick queries and basic services.
• Mobile access. The Axis Mobile app is available for iOS and Android devices, and you can also access Axis Internet Banking through a mobile browser.

It's not the cheapest way to send money from India to USA. However, if you’re someone who already banks with Axis, sending money abroad using its service might make more sense. Since everything’s integrated into your existing account, you can transfer funds internationally without juggling multiple apps or services.

ICICI Bank makes it easy to send money abroad through its Money2World service, letting Indian residents transfer funds to many countries, including the USA. Can NRIs or foreign citizens in India send money with ICICI? Yes, but limits differ.

If you live in India, you can send up to $250,000 abroad each financial year under RBI’s Liberalised Remittance Scheme (LRS).

Table: The main information about ICICI Bank

If you’re an NRI, money in your NRE account can be sent abroad freely anytime. But money in your NRO account (usually India-based income like rent or dividends) can only be sent abroad up to $1 million a year, and you’ll need to show tax and income documents for it.

You can send money either by visiting an ICICI branch or via Internet Banking/iMobile app. Note that depending on the purpose of your remittance and the source of your funds, additional documentation may be required.

Key Aspects

Let’s take a closer look at how ICICI Bank works:

• Costs. Fees vary based on your residential status and how you transfer. For example, Indian residents using ICICI Bank’s online Money2World service pay around ₹750 + GST per transaction, while NRI customers using branch services usually pay ₹500–₹1,000 + GST, depending on the account and transfer type.

• Security. ICICI Bank protects transactions with two-factor authentication (2FA) using OTPs, along with strong encryption and secure servers to keep your data and money safe.

• Customer support. You can reach ICICI Bank through email, phone, WhatsApp, or by visiting a branch for in-person assistance.
• Mobile access. The iMobile app is available on both the Google Play Store and App Store. You can send money directly through the app, sometimes even with lower fees than branch transfers.

Using ICICI Bank to learn how to send money from India to USA isn’t the most affordable option available. However, its reputation and “traditional” banking reliability can bring peace of mind to someone who prefers a trusted, well-established institution over newer digital platforms.