💸 Sending Money to India: Best Apps and Smart Tips for NRIs in 2025

Whether you're supporting your family, paying off a loan, or investing in India, sending money home is something every NRI does at some point. But not all money transfer options are created equal—some are fast, some are cheap, and others are just plain complicated.

In this guide, we'll walk you through the best apps to send money to India in 2025 and offer smart tips to save on fees, time, and hassles.

📱 Best Apps to Send Money to India (2025)

Here are the top apps trusted by NRIs for safe, fast, and cost-effective transfers to India:

1. Wise (formerly TransferWise)

🌎 Best for: Low fees and mid-market exchange rates

Why It’s Great:

Transparent fees and real-time rate lock
Great for sending smaller to medium amounts
Direct bank deposits in India
Platforms: Android | iOS | Web
https://wise.com

2. Remitly

🌎 Best for: Fast delivery and family support

Why It’s Great:

Choice of “Economy” or “Express” delivery
Cash pickup available at partner banks in India
Promotional rates for first-time users
Platforms: Android | iOS | Web
https://www.remitly.com

3. Xoom (by PayPal)

🌎 Best for: Trusted brand and speed

Why It’s Great:

Instant transfers to Indian bank accounts
Cash pickup, mobile wallets, and utility bill payments
Backed by PayPal for added security
Platforms: Android | iOS | Web
https://www.xoom.com

4. Instarem

🌎 Best for: Competitive exchange rates

Why It’s Great:

Low transfer fees and frequent promos
Rewards for frequent senders
Fast transfers (1–2 days)
Platforms: Android | iOS | Web
https://www.instarem.com

5. Revolut

🌎 Best for: Multi-currency transfers and global use

Why It’s Great:

No hidden fees with transparent rates
Great for frequent travelers or remote workers
Works as an international wallet + card
Platforms: Android | iOS | Web
https://www.revolut.com

🧠 Smart Tips for Sending Money to India

Avoid unnecessary fees and delays by following these practical tips:

✅ 1. Compare Exchange Rates Before Sending

Exchange rates vary across platforms. Even a small difference can impact large transfers.

Tip: Use comparison tools or apps like AbroadSaathi to monitor daily rates and pick the best time to send.

✅ 2. Understand Fees Clearly

Some apps offer zero transfer fees, but may offer worse exchange rates. Others charge upfront but offer great conversion rates.

Always check:

Transfer fees
Exchange rate margin
Hidden charges from banks on either end

✅ 3. Use NRE/NRO Accounts for Compliance

Ensure the recipient in India has an appropriate NRE or NRO account. This helps with:

Tax planning
Repatriation of funds
RBI compliance

✅ 4. Send During Banking Hours for Fastest Delivery

Transfers initiated during business hours (IST) usually get processed quicker. Avoid weekends and Indian public holidays.

✅ 5. Avoid Using Credit Cards to Fund Transfers

Credit cards attract higher fees and may be treated as a cash advance—costing more than necessary. Instead:

Use linked bank accounts
Use debit cards with lower transaction charges

✅ 6. Use First-Time Offers and Promo Codes

Most apps offer bonuses, cashback, or better rates for first-time users. Check the app’s promo section or refer-a-friend deals.

🛡️ Is It Safe to Send Money via These Apps?

Yes—apps like Wise, Xoom, and Remitly are licensed and regulated by financial authorities. However:

Use official websites or app stores only
Enable two-factor authentication (2FA)
Never share your OTP or login credentials

🧳 Final Thoughts

Sending money to India doesn't have to be expensive or stressful. By picking the right app and being smart about timing and fees, you can ensure your hard-earned money reaches home safely and swiftly.

🌐 Pro Tip: Use trusted platforms like AbroadSaathi to stay updated with the latest exchange rates, transfer fee comparisons, and NRI financial tools — all in one place!

Got questions about NRE/NRO accounts, taxation, or sending large amounts to India? Drop your questions in the comments or reach out to our support team via AbroadSaathi.