Best Ways to Send Money from the USA to India (2025 Update)

Know Your Options for Sending Wire Money from the USA to India

🪙 Cheapest to a bank account	WorldRemit
🥇 Fastest to a debit card	MoneyGram
💳 Best with credit card payment	WorldRemit and Remitly
💸 Convenient Card-to-Card	MoneyGram
💶 Easiest cash pickup	MoneyGram and Remitly
🎁 Special offers for first transfers	Wise

India is one of the top countries receiving international remittances. And, for those sending wire money from the USA to India are always on the hunt for the safest, easiest, and the most secure options. Are you too living and working in America with family or friends in the need for money in India? Here you will find the best way to transfer money from the USA to India with the comparison of various options available.

Ways to Send Wire Money from the USA to India

In the USA, you likely have more options available for a transfer of funds to India than in most other countries. Go through your choices below to understand each one.

• ACH Transfer: If you are running a business in the USA, ACH (or Automated Clearing House) transfer is an option you should choose. Without any extra trip or fees, your money gets delivered in around 4 working days. Though it’s the cheapest way to send money from USA to India, the only drawback is time.
• TransferWise: An e transfer service to send money from the USA to India, TransferWise offers the real exchange (mid-market) rate. Though it charges a minimal fee, it still takes around 2-3 business days for the transfer.
• Money Orders: For small transfers, money orders are considered economical as well as the safest. The need for an ID, international money deposit in the bank account, and a while to deliver could be some lagging points of this.
• Wire Transfer: The traditional money transfer method needs you to go through banks or some agencies for money transfer. Speed is a plus point for this but the process isn’t secure enough and you might have to pay around $10 to $35 for the quick transfer.
• Paypal (using Xoom.com): Another one known among the best services, Xoom allows money transferred online to be withdrawn in hard cash at specific points. The service is available 24x7x365, delivers money to a bank account within 4 hours, makes instant deposits to certain banks, and comes with a mobile app.
• Other Transfer Services: There are many more fast and easy transfer services available like MoneyGram, Western Union, Remitly, Hubstaff, PayPal, Transfast, and NRI-NRE account among others.

Finding the Best Option

Consider these factors to find the cheapest, secure and the easiest way to send money from the USA to India.

• Convenience: While some services offer an online transfer facility, others need you to visit a physical address either once or multiple times.
• Speed: As explained transfer takes from a few hours to some days and you should pick the one as per your need.
• Exchange Rate: Look for the one offering real exchange rate to reduce the burden on your pocket.
• Fees & Hidden Charges: Usually transfer services levy a specific fee for sending money overseas. Calculate the total charges including exchange rate, fee, and any other hidden charges to find the most affordable option.

Using an Online Comparison Site

Since every service provider is likely to promote its own business, using a comparison site helps get an unbiased evaluation. You can also get other features like special offers, exchange rates, and others through any such medium. Click here to find the best way to send wire money from USA to India.