How to send money to the USA in 3 easy steps
Enter amount to send in INR.
Pay in INR with your debit card or credit card, or send the money from your online banking.
Choose recipient in the USA.
Select who you want to send money to and which pay-out method to use.
Send INR, receive USD.
The recipient gets money in USD directly from Wise’s local bank account.
What is the easiest way to send money with Wise?
How to send money to the USA from India
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to transfer money to the USA?
Pay a small, flat fee and percentage
To send money in INR to the USA, you pay a small, flat fee of 132.67 INR + 2.04% of the amount that's converted (you'll always see the total cost upfront).
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
How long will a money transfer to the USA take?
A money transfer from India (INR) to the USA (USD) should arrive by Monday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.
Your transfer route
Should arriveby Monday
What you’ll need for your online money transfer to the USA
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank transfer.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Best ways to send money to the USA
Bank TransferBank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Trust Wise with safe & secure money transfers to the USA
Safeguarded with leading banks
We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Send money to the USA from India with the most international app
Looking for an app to send money to the USA? Sending money is easy with Wise app.
- Cheaper transfers abroad - free from hidden fees and exchange rate markups.
- Check exchange rates - see on the app how exchange rates have changed over time.
- Repeat your previous transfers - save the details, and make your monthly payments easier.