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Compare exchange rates, fees, and delivery times from 52+ providers to find the cheapest way to send money abroad.
Reviewed on TrustpilotCompare rates, fees, delivery times, recipient requirements, and local payment methods for every country.
When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
Just need to check exchange rates? Use our currency converter for live mid-market rates across 60+ currencies.
Save ₹2,178 — Regency FX vs XE
56d trend
Today's best
12.3073
InstaReM
56d average
11.9969
Period best
12.3073
2026-05-20
Period worst
11.9486
2026-04-22
Based on 56 days of rate data across 8 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
12.2452
Estimated · click to quote
~₹61,225.89
Estimated
Exchange rate
12.2452
Mid-market: 12.3439 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₹61,225.89
Western Union
Speed
0-1 days
Fee
HK$25.00
Rate
12.2909
Mid 12.3439 ▼0.43%
₹61,146.99
Recipient gets
Exchange rate
12.2909
Mid-market: 12.3439 (0.43% below)
Transfer fee
HK$25.00
Delivery
0-1 days
Recipient gets
₹61,146.99
Rate History
↑ 1.2% over 7d
12.2193
12.17 – 12.31
+0.8%
Deals & promotions
Sign-up offer
First international transfer fee-free
Refer a friend
You get $15 Amazon e-gift code per referral (up to 20 friends)
Friend gets $10 Amazon e-gift code after first qualifying transfer
Loyalty program
My WU Rewards — earn points on qualifying transfers (currently paused, new program coming soon)
InstaReM
Speed
1-3 business days
Fee
HK$39.00
Rate
12.3069
Mid 12.3439 ▼0.30%
₹61,054.52
Recipient gets
Exchange rate
12.3069
Mid-market: 12.3439 (0.30% below)
Transfer fee
HK$39.00
Delivery
1-3 business days
Recipient gets
₹61,054.52
Rate History
Best rate 47 of 56 days↑ 4.4% over 47d
11.9913
11.70 – 12.31
+2.6%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
Wise
Speed
Instant
Fee
HK$65.45
Rate
12.3415
Mid 12.3439 ▼0.02%
₹60,899.56
Recipient gets
Exchange rate
12.3415
Mid-market: 12.3439 (0.02% below)
Transfer fee
HK$65.45
Delivery
Instant
Recipient gets
₹60,899.56
Rate History
Rate up 4.7%↑ 4.7% over 56d
12.0038
11.79 – 12.34
+2.8%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
Exchange rate
12.2526
Mid-market: 12.3439 (0.74% below)
Transfer fee
HK$48.90
Delivery
0-6 days
Recipient gets
₹60,663.77
Rate History
↑ 1.3% over 7d
12.1757
12.11 – 12.27
+0.8%
MoneyGram
Speed
0-1 days
Fee
HK$40.00
Rate
12.2230
Mid 12.3439 ▼0.98%
₹60,625.88
Recipient gets
Exchange rate
12.2230
Mid-market: 12.3439 (0.98% below)
Transfer fee
HK$40.00
Delivery
0-1 days
Recipient gets
₹60,625.88
Rate History
↑ 1.2% over 7d
12.1439
12.10 – 12.24
+0.8%
Deals & promotions
Sign-up offer
20% off fee on second transfer when joining MoneyGram Plus Rewards
Refer a friend
You get Zero-fee transfer after friend completes first transaction
Friend gets Zero-fee first transfer
Loyalty program
MoneyGram Plus Rewards — free to join, earn points on transfers. Premier status after 5 transfers: 40% off every 5th transfer.
Exchange rate
12.0427
Mid-market: 12.3439 (2.44% below)
Transfer fee
Free
Delivery
0-0.2 days
Recipient gets
₹60,213.69
Rate History
Most stable rate↑ 0.3% over 4d
11.9746
11.96 – 11.99
+0.1%
Exchange rate
12.1748
Mid-market: 12.3439 (1.37% below)
Transfer fee
HK$150.00
Delivery
0-3 days
Recipient gets
₹59,047.87
Rate History
1.4% markup↑ 0.6% over 3d
12.1475
12.12 – 12.19
+0.4%
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)