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Nik Shuliahin on Unsplash Xoom Transfers From India to the USA: Are They Even Possible?
Byron Mühlberg
Guide
Every year, tens of thousands of Indians send money to friends, family, and business associates in the United States. And with one of the most popular methods for currency exchange being Xoom, many also wonder whether Xoom is a good option and whether it works at all in India.
Unfortunately, Xoom is not currently supported in India, meaning you cannot use it to send money to the United States. This means that you'll need to find a Xoom alternative instead. In this article, we go over the top alternatives and show you how you can save money when making your next money transfer from INR to USD.
Xoom is pricey to the USA. Compare alternatives instead:
Xoom Transfers From India to the US
Xoom Isn't Supported in India
As we mentioned above, Xoom is not available in India. This is because Xoom is currently only available to residents of the US, UK, Canada, and the EU/EEA. The good news is that if you'd like to send money to the US, you'll have plenty of options to choose from instead. In summary, here are the main two:
- Transfer via a digital provider: Many international money transfer providers offer low fees, fast transfers, and a great user experience to suit your needs. The best for transfers from India to the US are Wise, Instarem, and Remitout (for students). However, pricing and exchange rates vary constantly, so compare providers on Monito to find the best deal every time.
- Send an international bank wire: Indian banks such as SBI, ICICI Bank, and others charge very high fees and poor exchange rates because they transfer over SWIFT. We therefore don't recommend them for transferring money abroad for most people. You can learn more about bank charges for international transfers here.
We go through all of these options in more detail below:
Instarem
An excellent service with easy and fast transfers, Instarem is a good option for sending money from India to the US instead of Xoom. Instarem's fees are usually one of the cheapest on Monito.
Transfer cost (India to the USA): 1.1% on average.
Transfer time: 2-3 business days.
More info: See our full Instarem review, or visit their website.
Wise
One of the most popular and widely-used money transfer services out there, London-based Wise has built a solid reputation on fast, affordable bank transfers over its user-friendly web and mobile platforms.
Transfer cost (India to the USA): 4.1% on average
Transfer time: 5-7 business days.
More info: See our Wise review, or visit their website.
In addition to Instarem and Wise, Remitout is another great option if you're a student in India.
Avoid Your Bank
The second (and generally the far worse) alternative to Xoom is to use your bank (or PayPal for that matter).
Not only is using your bank or PayPal the slower and less convenient to transfer to the US from India, but going this route also comes with high hidden fees, as both your bank and PayPal will typically give you a poor exchange rate on top of the standard service fees for international transfers.
For example, according to our comparison engine, sending 1.5 lakh rupees from India to the USA with ICICI Bank would cost around 3.9% of the amount transferred, which is about four times more than the cheapest available service compared on Monito for the same transfer. And given PayPal's similarly high exchange rate margins, the story isn't very different with them either.
Save money on your next transfer now by finding the best deal below:
Find the best deal when sending money from India to the USA:
FAQ About Xoom in India
See Our Top Money Transfer Guides
Why Trust Monito?
You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.
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