Personal Finance Money transfer

ACH Transfer from India to USA: How-to, Limitations & Alternatives

Aditya Shrivastava

31.03.25

Read time 1 minute

If you're looking to send money to the USA, you might come across ACH transfer: one of the popular methods of money transfers in America. But can you use it to send money from India? Direct ACH transfers to the USA as a method is generally not supported by banks in India - but you can do so via third-party providers such as Wise.

Table of contents
Sending ACH Transfers from India Receiving ACH Transfers in USA Sending ACH from India to the USA Meet Wise for ACH Transfers to US

What is ACH Transfer in India?

In India, ACH generally refers to the National Automated Clearing House (NACH) system, operated by the National Payments Corporation of India (NPCI). NACH facilitates high-volume, electronic, and repetitive transactions such as salaries and bill payments. Many providers offer setting up an "ACH mandate" that allows the receiver to automatically withdraw money from your bank account.

Sending International ACH Transfers from India

NACH is designed for domestic transactions within India. Sending international ACH transfers directly from India is generally not supported by Indian banks.

Guide to ACH 👉

What is ACH Transfer in the USA?

In America, ACH (Automated Clearing House) is a system that helps send money electronically. It's a common method for direct deposits and bill payments in the USA.

Receiving International ACH Transfers in America

While the US ACH system can receive international ACH transactions, there are very limited providers that offer international ACH transfer service, Since these transfers are usually initiated from within the US financial system, direct transfer via US ACH system from Indian banks is generally not supported.

How ACH Works 👉

Can You Send ACH from India to the USA?

Since international ACH transfers are generally not directly supported by Indian banks, you typically cannot make international ACH transfers from India to the USA from within your Indian bank. Banks would ask you to use their transfer services instead, such as International Wire or SWIFT transfers - which are subject to their own transfer fees plus marked-up exchange rates.

As an alternative, we would like to introduce you to Wise. Wise offers low, transparent fees on international transfer with currency conversions at mid-market exchange rates without any markups.

Meet Wise: Convenient Alternative for International Transfers to USA

Wise supports international transfers from India for education, travel, and medical purposes. You can conveniently make the transfer from home with a completely digital process and online KYC.

Send Money to USA with Wise

When adding US recipient details while setting up your payment, you can select ACH as the transfer method. You pay in INR from your bank account in India, and the money is deposited to the US account — converted at mid-market exchange rates with low, transparent fees.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.