What are the valid purposes for sending money to the USA?

You can transfer money for purposes such as: Education (studies abroad) Maintenance of close relatives Gifts or donations

What recipient details do I need to send money to the USA?

To send money to the USA, you'll need: Full legal name US bank account number Bank name and full address SWIFT / BIC code Routing Number Passport Relationship Proof Supporting documents as per purpose (Valid Visa, Valid Admission Letter from University, Bank Statement)

Send money
from India
to the USA

With Remitwise, sending INR to USD is simple with the best exchange rates, no hidden charges, and a fully digital transfer completed in 1–2 business days.

RBI-Compliant
No Hidden Fees
Best Exchange Rates

How to send money
to the USA in 4 easy steps

Enter Transfer Details

Select USD as the receiving currency, enter the INR amount, and specify the purpose of your remittance. Remitwise generates a live quote instantly.

Step 1

Complete KYC Verification

Upload your PAN card for a one-time verification. Once done, you won't need to repeat this for future transfers.

Step 2

Add Recipient Details

Enter the recipient's full name, US bank account number, SWIFT/BIC code, Routing number, and bank address exactly as they appear in bank records.

Step 3

Make Payment

Pay via Net Banking, Bank Transfer, or UPI. Once payment is confirmed, Remitwise initiates the international transfer immediately.

Step 4

Send Money

What can you send moneyto the USA for?

From tuition fees to family support, we've built for all the reasons Indians send money abroad, with expert help on standby.

Family Maintenance
Support family, manage personal expenses, or meet other eligible overseas needs.
Overseas Education Fees
Pay eligible tuition, admission and other education-related expenses overseas.
Student Living
Send money to student for food, books, travel, and daily expenses.
Student Accommodation
Cover hostel fees or rent, wherever they're staying.
Gifting
Send money for birthdays, weddings, or any occasions.

Why choose Remitwise to
transfer money to the USA?

Best Exchange Rates

You get more value for your money with competitive INR to USD exchange rates and minimal forex markup with Remitwise.

Cost Transparency

Remitwise shows you the full breakdown before you send, including the exchange rate, transfer fee, and final INR amount.

Fast Processing

Most Remitwise transfers are done within 24-48 hours, with status updates at every step so you can track your money easily.

100% Digital & Secure

Complete your transfer from your phone or laptop with secure document verification and a fully digital process.

RBI-Regulated

All Remitwise transfers follow the Reserve Bank of India's Liberalised Remittance Scheme (LRS), ensuring safe and compliant transactions.

Dedicated Customer Support

Got a question mid-transfer? Remitwise's customer support team is available to walk you through any step of the process.

What does it cost and how long does
it take?

Two questions every sender asks before sending money.
Remitwise answers both upfront. No estimates, no surprises.

What determines the total cost?

The live INR/USD exchange rate at the time of booking
The transfer amount (larger amounts may attract different rates)
Any applicable bank processing or correspondent charges
Remitwise shows you the total INR payable before you confirm, so you always know exactly what you are paying

How long does delivery take?

Most Remitwise transfers are credited within 1-2 business days
US bank holidays or receiving bank processing times can occasionally extend this
Compliance or AML checks on either side may add a short delay for some transfers
Remitwise sends you a notification at each stage, from initiation through to final credit

* Please note that even if you opt to pay the nostro charges, the receiver's bank in the USA may still deduct its own processing fee before crediting the final amount to your receiver's account. These charges are determined by the receiving bank and are not within Remitwise's control.

What details are required
to send money to the USA?

Remitwise's KYC is a one-time process. Once verified, your details and recipient information are saved for future transfers.

Payer's Details

PAN Card
Any one of the following: Passport / Voter ID / Driving Licence
Bank Account Details
Form A2

Receiver Details

Full legal name
US bank account number
Bank name and full address
SWIFT / BIC code
Routing Number
Passport
Relationship Proof
Supporting documents as per purpose (Valid Visa, Valid Admission Letter from University, Bank Statement)

Securely send money to the USA with Remitwise

Fully compliant with RBI regulations and protected by multiple layers of security.

Frequently Asked
Questions

Yes, taxes may apply to remittances from India to the USA. A 5% tax is applicable if the total remittance for educational purposes exceeds ₹10 lakh in a financial year. For all other purposes, a 20% tax is applicable once the remittance exceeds ₹10 lakh in a financial year.

Yes, as per RBI guidelines, remittances are not permitted to high-risk countries identified by FATF (Financial Action Task Force). This list is updated periodically. For the latest details, please refer to the official FATF website.

Under the Liberalised Remittance Scheme (LRS), resident individuals can remit up to USD 250,000 or its equivalent per financial year, as per RBI regulations.

Transfers are typically processed within 24 to 48 business hours. For status updates, you can reach out to us via call or email.

Yes, Remitwise processes transactions through authorised and trusted banking partners in India. All transactions are secured, and payments are handled via reliable and secure payment gateways. We also keep you updated on the status of your transfer until it is successfully completed.

You can transfer money for purposes such as:

Education (studies abroad)
Maintenance of close relatives
Gifts or donations

To send money to the USA, you'll need:

Full legal name
US bank account number
Bank name and full address
SWIFT / BIC code
Routing Number
Passport
Relationship Proof
Supporting documents as per purpose (Valid Visa, Valid Admission Letter from University, Bank Statement)