Send money from United States to Nepal(USD → NPR)

Wise and Remitly are consistently the most cost-effective options for USD to NPR transfers. Wise uses the real mid-market exchange rate with a transparent fee of approximately 0.5–1%. Remitly offers competitive rates with frequent promotional offers, including zero-fee first transfers. IME Pay, operated by Nepal's largest domestic remittance network IME Group, also offers direct US-to-Nepal transfers at competitive rates. For a $500 transfer, using a digital provider over a traditional operator saves NPR 500–1,500. Western Union and MoneyGram have the widest cash pickup networks in Nepal but charge more in exchange rate markup.

Cash pickup through IME, Prabhu, Western Union, and MoneyGram is available within minutes at agent locations across Nepal. Bank deposits to Nepali accounts typically arrive within 1–2 business days via Wise, Remitly, or WorldRemit. eSewa and Khalti wallet delivery is near-instant once the provider processes the transfer. Traditional bank SWIFT transfers take 3–5 business days and may incur correspondent bank deductions. Nepal's banking hours are Sunday through Thursday (Friday is a half-day, Saturday is a holiday), so transfer timing affects bank deposit speed.

Yes, eSewa and Khalti are increasingly supported as delivery methods for international transfers to Nepal. WorldRemit and select providers offer direct eSewa wallet delivery. eSewa is Nepal's largest mobile wallet with over 10 million users, allowing recipients to pay bills, shop online, and cash out at thousands of agent locations. Khalti is the second-largest digital wallet and is growing rapidly. Both wallets are regulated by Nepal Rastra Bank. For recipients in rural Nepal where bank branches are scarce, mobile wallet delivery is often the most convenient option because eSewa and Khalti agents are present even in remote hill districts.

IME (International Money Express) is Nepal's largest domestic remittance company, operating over 25,000 agent locations across all 77 districts. IME has partnerships with international providers including Western Union and Remitly, enabling cash pickup delivery across its vast network. IME Pay, the group's digital wallet, allows recipients to receive remittances directly to their phone. IME also offers its own international transfer service from several countries including the US, enabling direct transfers without third-party intermediaries. The company is regulated by Nepal Rastra Bank and is considered the most trusted remittance brand in Nepal.

US-side limits vary by provider. Wise allows up to $1,000,000 per transfer for verified accounts. Remitly has per-transaction limits of $2,999–$10,000 depending on the delivery method. Western Union online limits range from $5,000–$7,500 per transaction. US regulations require CTR filing for transfers over $10,000 under the Bank Secrecy Act. On the Nepali side, Nepal Rastra Bank does not restrict incoming remittance amounts for individuals, but banks must report large receipts. The Nepali rupee is pegged to the Indian rupee at a fixed rate of NPR 1.60 per INR 1, meaning NPR/USD movements track INR/USD closely. Keep all transfer receipts for US tax documentation purposes.