How to transfer money from India to USA

So, you’re looking to send some money from India to the USA and wondering how to do it without getting tangled up in a web of complicated instructions?

Maybe you’re supporting family, paying for studies, or settling bills. Whatever the reason, I’ve got your back.

Here’s a straightforward guide that’ll make the process as easy as pie. Let’s dive in!

Step 1: Choose Your Transfer Method

When it comes to sending money from India to the USA, think of yourself as a captain deciding the best route for your voyage.

Each path has its own set of advantages and challenges. Here’s a more detailed look at your main options to help you chart the course:


  • How It Works: Using a bank for international transfers is like taking a well-trodden path. You can either go to your bank branch, use online banking, or mobile banking apps to initiate the transfer.
  • Pros:
    • Trustworthy: Banks are like the old friends you’ve known for years; reliable and secure.
    • Direct Deposits: Money goes straight into the recipient’s bank account in the USA.
  • Cons:
    • Higher Fees: Banks may charge higher transfer fees and offer less favorable exchange rates than other options.
    • Slower Transfers: It can take several days for the money to reach the destination.

Online Money Transfer Services

  • How It Works: These services specialize in sending money across borders more efficiently. You sign up, provide your transfer details, and they handle the rest. Examples include Wise, Remitly, and Xoom.
  • Pros:
    • Cost-Effective: Generally offer lower fees and better exchange rates than banks.
    • Speed: Transfers can be faster, sometimes arriving within the same day or a few hours.
  • Cons:
    • Trust Factor: While reputable, they’re not as familiar to some as banks. Do your research to choose a reliable service.
    • Limits: Some services may have limits on how much you can send per transaction.


  • How It Works: If both you and the recipient have PayPal accounts, you can transfer money using just the email associated with the accounts. It’s a digital wallet, accessible anywhere you have internet.
  • Pros:
    • Convenience: Extremely easy to use, especially for small amounts.
    • Instant Transfers: Transfers between PayPal accounts are usually instant.
  • Cons:
    • Fees: PayPal’s fees can be higher, especially when converting currencies.
    • Withdrawal Limits: The recipient may face withdrawal limits or fees when transferring money from their PayPal account to a bank account.


  • How It Works: A newer route, using cryptocurrencies like Bitcoin to send money internationally. You buy cryptocurrency in India and send it to the recipient’s digital wallet, who then converts it back into USD.
  • Pros:
    • Potentially Lower Fees: Depending on the currency and platform, the fees can be lower than traditional methods.
    • Fast Transfers: Transactions can be almost instantaneous.
  • Cons:
    • Volatility: Cryptocurrency prices can fluctuate wildly.
    • Complexity and Risk: Not as straightforward as other methods and involves more risk.

Choosing Your Best Route

Deciding on the best method to transfer money from India to the USA depends on several factors like how much you’re sending, how fast you need it to get there, the fees you’re willing to pay, and how comfortable you feel with each option.

Like choosing between a scenic train ride or a quick flight, weigh the pros and cons to find what best suits your needs.

Step 2: Compare the Costs

Not all methods are created equal, especially when it comes to how much they pinch your pocket.

  • Exchange Rates: Money changes value like the weather. Some services offer rates closer to what you see on Google than others.
  • Transfer Fees: Everyone takes a slice of the pie. Check out how much each service charges for sending money to the USA.

A pro tip: Use comparison websites to see who offers the best deal today. It’s like shopping for the best price on a new phone.

Step 3: Gather Your Details

No matter how you send the money, you’ll need some info handy:

  • Your Details: Obviously, they need to know who’s sending the money. Have your ID and account info ready.
  • Recipient’s Details: Just as important, you need to know who’s getting the money. Get their full name, bank account details (for bank transfers), or email address (for PayPal).

Step 4: Make the Transfer

Now, you’re ready to hit the ‘send’ button. If you’re using:

  • Banks: Visit your local branch or use their online banking platform. Fill in the details, and off it goes!
  • Online Services: Sign up or log in, enter how much you want to send and who it’s going to, and follow the instructions.
  • PayPal: Choose “Send Money,” enter the recipient’s email, and follow the steps.

Step 5: Keep the Receipt

Once you’ve sent the money, you’ll get a receipt or a confirmation number.

Hold onto it! It’s like keeping the warranty for your new gadget. If anything goes wonky, this will help sort it out.

Summary: Sending Money Made Simple

Sending money from India to the USA doesn’t have to be a headache. Just pick your method, check the costs, have your details ready, and make the transfer.

And always keep your receipt, just in case. Whether you’re helping out family, paying for an adventure, or managing bills, your hard-earned money will reach its destination safe and sound.

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Mani Karthik

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger.
I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India.
I share everything I learned on this blog, so that you benefit. Here’s more about me.

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