Wise vs Remitly for United States to India: Complete Cost Comparison
Detailed comparison of Wise vs Remitly for 🇺🇸 United States to 🇮🇳 India transfers.
🎯 Quick Comparison
Wise
Best for: Cost-conscious senders who value transparency
Fee: $4-8
Speed: Minutes to hours
Remitly
Best for: First-time senders and urgent transfers
Fee: $0-5 (promo) / $3-8 (regular)
Speed: Minutes (Express) / 1-3 days (Economy)
Head-to-Head Comparison
| Feature | Wise | Remitly |
|---|---|---|
| Transfer Fee | $4-8 | $0-5 (promo) / $3-8 (regular) |
| Exchange Rate Margin | ~0.5% | ~1.5-2% |
| Transfer Speed | Minutes to hours | Minutes (Express) / 1-3 days (Economy) |
| Best Use Case | Cost-conscious senders who value transparency | First-time senders and urgent transfers |
Wise Analysis
✅ Strengths
- • Transparent mid-market rates
- • Low fees
- • Fast transfers
- • Excellent app
⚠️ Considerations
- • Visible fees
- • Limited cash pickup
Remitly Analysis
✅ Strengths
- • Express delivery
- • Promotional rates
- • Strong corridor coverage
- • User-friendly
⚠️ Considerations
- • Higher regular rates
- • Promotions are limited
Cost Example: $500 Transfer
Sending $500 from United States to India
Wise
Transfer fee: $4-8
Exchange margin: ~0.5%
Speed: Minutes to hours
Recipient gets: ~INR [Amount]
Remitly
Transfer fee: $0-5
Exchange margin: ~1.5-2%
Speed: Minutes (Express) / 1-3 days (Economy)
Recipient gets: ~INR [Amount]
Our Recommendation
💡 Which Should You Choose?
Choose Wise if: You prioritize cost-conscious senders who value transparency
Choose Remitly if: You need first-time senders and urgent transfers
Bottom line: Both are reliable options. Compare live rates for your specific transfer amount.
Compare Live Rates
Ready to send money from United States to India? Compare current rates to get the best deal.
Final Verdict
Both Wise and Remitly are solid choices for United States to India transfers. Wise excels at transparent mid-market rates, while Remitly is better for express delivery. Compare live rates for your specific amount to make the final decision.