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The 6 Best Online Money Transfer Apps in India
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Byron Mühlberg
Guide
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Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.
Jarrod Suda
Reviewer
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A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.
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Read moreIf you're in India and seeking cheap and instant international money transfers, online money transfer apps provide a convenient alternative to costly and slow traditional bank wires. In this article, we will highlight the best online money transfer apps for sending or receiving money to and from India.
Using data from Monito's real-time comparison engine spanning May 2022 to May 2023, these apps include Remitly, XE Money Transfer, Panda Remit, Instarem, and others. With their low fees, competitive exchange rates, and speedy transactions, these apps ensure a seamless and reliable international money transfer experience.
Here are the best money transfer apps to send money in India:
Remitly: Remitly is usually the overall cheapest option to send money to India. It's an excellent app if you are sending from the Eurozone (€).
Panda Remit: Panda Remit offers great transfers from popular corridors to India. It's ideal if you are sending from the US ($) and the UK (£).
Wise: Wise offers the best rates to transfer money from India to the Philippines. It is also a good app when sending money to Bangladesh.
Instarem: Instarem offers the best way to send money from India to the US, the UK, and Canada.
6 Best Online Money Transfer Apps in India
- 01. Remitly — Best for sending to India from the Eurozone or Canada
- 02. XE Money Transfer — Second best overall for sending to India
- 03. Panda Remit — Best for sending from the US or the UK
- 04. Skrill — Best for sending from Saudi Arabia and the UAE
- 05. Wise — Best for sending to the Philippines or Bangladesh
- 06. Instarem — Best for sending to the US, UK, or Canada
- 07. Our top recommendations in summary
- 08. Other frequently asked questions about money transfer apps
1 — Remitly
Remitly stands out as an industry leader, offering competitive exchange rates for international money transfers across the globe. With its exceptional Monito score, Remitly is a trusted choice for customers seeking a secure, fast, and cost-effective money transfer experience.
Based on recent data from Monito's comparison engine, Remitly emerged as the number one performing app for sending money to India. It proved to be the most economical option for 22.2% of all searches conducted on Monito's comparison engine, particularly for cash pickups, especially from the Eurozone.
More info: read our in-depth Remitly review.
Remitly is an excellent choice for those sending transfers to India from the following countries:
- from the Eurozone;
- from the United States;
- from Canada;
- from the United Kingdom.
2 — XE Money Transfer
XE Money Transfer is a renowned and highly regarded platform enabling money transfers to 130 countries and supporting approximately 100 currencies. With the backing of Euronet Worldwide, XE gives users confidence regarding the security of their funds. The majority of transactions are processed within one business day, ensuring a fast and efficient service.
According to Monito's data over the last 12 months, XE Money Transfer ranks as the second-best option for sending money to India from abroad, offering the most affordable rates for 16.9% of all searches conducted on Monito's comparison engine.
More info: read our in-depth XE Money Transfer review.
XE Money Transfer is a great choice for those sending transfers from the UK to the following countries:
- from the United States;
- from the United Kingdom;
- from the Eurozone;
- from Canada.
3 — Panda Remit
Panda Remit is a highly recommended money transfer service, particularly if you're sending money to India or China. Despite being a relatively new player in the industry, Panda Remit is a licensed and reputable remittance company offering a user-friendly mobile app with competitive fees and exchange rates.
Based on Monito's data from the past year, Panda Remit ranked as the third-best service overall for sending money to India. It offered the lowest costs for 16.8% of all searches conducted on Monito's comparison engine.
More info: read our in-depth Panda Remit review.
Panda Remit offers great transfers to India from the following regions:
- from the United States;
- from the United Kingdom;
- from the Eurozone.
4 — Skrill
Skrill is a renowned participant in the global money transfer industry, offering competitive exchange rates for international remittances. It serves a wide range of countries and currencies, allowing transfers through debit and credit cards and earning positive feedback from customers.
According to data compiled by Monito over the past year, Skrill ranked as the fourth-best app for sending money to India, providing the most cost-effective solution for 12.0% of all searches conducted on Monito's comparison engine.
More info: read our in-depth Skrill review.
Skrill is well suited for international money transfer to India from the Middle East:
- from Saudi Arabia;
- from the United Arab Emirates;
- from Qatar.
5 — Wise
Wise is a trusted and reputable choice for sending money internationally, especially for smaller to medium-sized transfers. It is recognized as one of the leading services worldwide.
Based on the data gathered by Monito over the previous year, Wise ranked as the top app for international money transfers from India. From May 2022 to May 2023, it provided the most competitive rates for 42.3% of all searches conducted from India through our comparison engine.
More info: read our in-depth Wise review.
Wise is a powerful service that offers the best transfers from India to the following countries:
- to the Philippines;
- to the United Kingdom;
- to Bangladesh;
- to the United States.
6 — Instarem
Instarem is known for its intuitive platform that is easy to sign up for, use, and navigate. Moreover, Instarem ensures speedy transfers, ensuring that your funds reach their destination within a day.
According to the data gathered by Monito in the last year, Instarem was a strong contender in the rankings. It secured the second position as the top app for sending money from India, offering the most affordable transfers in 41.4% of the searches conducted on Monito's comparison engine.
More info: read our in-depth Instarem review.
Instarem offers cheap money transfers from India to the following:
- the United States;
- the United Kingdom;
- Canada;
- Australia;
- the Eurozone.
Compare app fees and rates before sending money in India:
Our Top App Picks For Money Transfer Apps in India for 2023
In contrast to banks, the money transfer apps featured in this guide offer affordable fixed fees and competitive exchange rate margins, maximizing the value of your transactions. We have evaluated these providers for transparency, service quality, fees, and customer satisfaction, providing you with the confidence to make an informed decision.
Sending Money to India
Here's a snapshot of the list we've reviewed in this guide, which we've assembled thanks to real time data from Monito's comparison engine. Sending money to India is low-cost and stress-free thanks to these top-ranked money transfer apps:
Sending Money From India
Below are the best apps to use in 2023 to send money from India to overseas. We've gathered data from May 2022 to May 2023 to give you the most accurate results:
Best Apps By Sending Country
Here are the best apps in India to send money in 2023, categorized by the countries that send the most remittances to India:
- from the United States: Panda Remit
- from the United Kingdom: Panda Remit
- from Germany: Remitly
- from Canada: Remitly
- from the UAE: Skrill
- from Malaysia: Instarem
- from Saudi Arabia: Skrill
- from the Netherlands: XE Money Transfer
- from Ireland: Panda Remit
- from Singapore: SingX
- from Australia: SingX
Compare the best international money transfer apps in India to send money:
Frequently Asked Questions About International Money Transfer Apps
Are money transfer apps safe? 🔐
Yes, all money transfer apps that appear on Monito belong to money transfer services that are vetted against stringent security and credibility criteria.
How do I send money internationally using an app? 📱
To send money internationally using an app, you'll first need to download your money transfer app of choice from the App Store or Google Play and then log in or register a new account. If you're registering for the first time, using a mobile app can be particularly convenient, as it often allows you to integrate your smartphone's camera to scan your photo ID. In the next step, you'll be able to access the sending page, from which you should be directed quickly and conveniently through the transfer process right up until payment.
What's the best international money transfer app in India? 🏆
While the best international money transfer app can differ from person to person, in general, if you're looking for the best money transfer app all-around, we recommend using Remitly for transfers from India, which offers a fast, simple, and flexible mobile app with a large number of destination countries, low fees, and capable service which includes a multi-currency account and card management features.
Which money transfer app is instant? 🚀
Strictly speaking, no money transfer app offers instant transfers abroad. However, for very fast money transfers that are processed in a matter of seconds or minutes, then we recommend Remitly and Wise for bank deposits, Remitly for cash pickup transfers, and Paysend for credit and debit card payments.
Our Other Guides About Money Transfers and the Best Online Apps In India to Send Money
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Why Trust Monito?
You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.
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