Best International Money Transfer Apps In India - Monito

The 8 Best Online Money Transfer Apps in India

Byron Mühlberg

Guide

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and expat-related topics.

Jarrod Suda

Reviewer

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.

Sep 8, 2025 Advertiser disclosure

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

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If 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, 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.

Find the best mobile app provider to send money to India:

Country from Select a country Country to India You send   To   Compare now ❯

8 Best Online Money Transfer Apps in India

• 01. Remitly — Best for sending to India from the Eurozone or Canada scroll down
• 02. XE Money Transfer — Second best overall for sending to India scroll down
• 03. Panda Remit — Best for sending from the US or the UK scroll down
• 04. Skrill — Best for sending from Saudi Arabia and the UAE scroll down
• 05. Wise — Best for sending to the Philippines or Bangladesh scroll down
• 06. Instarem — Best for sending to the US, UK, or Canada scroll down
• 07. Ria — Legacy provider scroll down
• 08. Xoom — App with the highest fees scroll down
• 09. Our top recommendations in summary scroll down
• 10. Other frequently asked questions about money transfer apps scroll down

Compare the best money transfers to India:

Country from Select a country Country to India You send   To   Compare

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.

9.3

• Trust & Credibility 8.9
• Service & Quality 9.3
• Fees & Exchange Rates 9.6
• Customer Satisfaction 9.3

Go to Remitly ❯

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.

8.7

• Trust & Credibility 10
• Service & Quality 8.2
• Fees & Exchange Rates 7.2
• Customer Satisfaction 9.5

Go to XE ❯

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.

8.9

• Trust & Credibility 8.8
• Service & Quality 9.3
• Fees & Exchange Rates 10
• Customer Satisfaction 7.6

Go to Panda Remit ❯

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.

8.2

• Trust & Credibility 8.8
• Service & Quality 8.7
• Fees & Exchange Rates 7.1
• Customer Satisfaction 8.3

Go to Skrill ❯

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. 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.

9.5

• Trust & Credibility 10
• Service & Quality 8.7
• Fees & Exchange Rates 10
• Customer Satisfaction 9.4

Go to Wise ❯

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.

8.4

• Trust & Credibility 8.9
• Service & Quality 6.7
• Fees & Exchange Rates 9.7
• Customer Satisfaction 8.4

Go to Instarem ❯

Instarem offers cheap money transfers from India to the following:

• the United States;
• the United Kingdom;
• Canada;
• Australia;
• the Eurozone.

7 — Ria

Ria is a decent money transfer service with a long history and a vast network of 447,000 agent locations across 160 countries, offering no minimum transfer amount and various pay-in options.

However, there are some drawbacks: low maximum transfer limits ($2,999 per transfer, $7,999 per month), relatively high fees — especially for credit card or cash payments — and availability limited to transfers from the US, UK, Canada, and Australia. Exchange rates also vary depending on the pay-in method, which can increase costs. Ria tends to be more expensive and less flexible than competitors.

More info: read our in-depth Ria review.

8.4

• Trust & Credibility 8.0
• Service & Quality 7.2
• Fees & Exchange Rates 9.1
• Customer Satisfaction 9.3

Go to Ria ❯

Our recommendation: compare Ria's fees on Monito.com first

8 — Xoom

Xoom, a part of PayPal, offers a good variety of pay-in and pay-out options with fast, easy transfers to many destinations worldwide. However, Xoom often charges huge margins and extra currency conversion fees, effectively cheating customers on exchange rates.

It is rarely the cheapest choice and is available from a limited number of origin countries. Additionally, Xoom does not disclose its exchange rate margin, with around 74% of its fees hidden, making it difficult to know the true cost upfront.

More info: read our in-depth Xoom review.

6.4

• Trust & Credibility 9.0
• Service & Quality 7.0
• Fees & Exchange Rates 3.0
• Customer Satisfaction 6.5

Go to Xoom ❯

Our recommendation: compare Xoom's fees on Monito.com first

Compare app fees and rates before sending money in India:

Country from Select a country Country to India You send   To   Compare ❯

Our Top App Picks For Money Transfer Apps in India

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:

1. Remitly;
2. XE Money Transfer;
3. Panda Remit;
4. Skrill.

Sending Money From India

Below are the best apps to use to send money from India to overseas. We've gathered data on Monito to give you the most accurate results:

1. Wise;
2. Instarem.

Best Apps By Sending Country

Here are the best apps in India to send money, 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:

Country from Select a country Country to India You send   To   Compare ❯

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.

• Send money from the UK to India
• Send money from France to India
• Send money from Germany to India
• Send money from the Netherlands to India
• Send money from Austria to India
• Send money from Australia to India
• Send money from Finland to India
• Send money from Portugal to India
• Send money from Ireland to India
• Send money from Belgium to India
• Send money from Spain to India
• Send money from Italy to India
• Send money from Malta to India
• Send money from Slovakia to India
• Send money from Denmark to India
• Send money from Cyprus to India
• Send money from Canada to India
• Send money from Sweden to India
• Send money from Greece to India
• Send money from Luxembourg to India

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Why You Can Trust Us

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, Monito co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services worldwide.

Today, Monito’s award-winning comparisons, reviews, and guides (no longer just about money transfers but also digital accounts, travel cards, eSIMs, and travel insurance) are trusted by millions each year. Our recommendations are backed by our comparison data and dozens of expert tests, allowing you to confidently make the savviest decisions.

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