The Best International Money Transfer Apps for Indian Users

You need to send money internationally instantly, but you don’t know which app to use. That’s no surprise. There are a multitude of transfer apps to choose from, so how will you recognize the best Indian app for international money transfers? Help is at hand – we’ve compiled this guide to help you identify the fastest, most secure and most affordable options for personal and B2B transfers.

How to send money internationally from India

“How can I send money internationally?” is a frequently heard question. As well as using traditional bank transfers, there are an increasing number of solutions for international business payments that allow users to send or receive money internationally from India, including Payoneer, Wise, Unimoni App, Western Union, Xoom by PayPal, Instarem and XE Money Transfer.

But which is the best international money transfer app for Indian clients?

What to look for when choosing the best way to transfer internationally B2B

When looking for an all in one ecommerce solution, you’ll need to compare and contrast the different apps to find out which one is best suited to your business needs, including cross-border business payments, multi-currency accounts and so forth. There are indeed a number of criteria on which to judge B2B money transfers from India, including:

• If you’re looking for the cheapest way to send money internationally, one of the key factors to look at is each platform’s exchange rate/FX markup. Sometimes low fees will be accompanied by an above-average FX markup to compensate.
• You’ll also want to check out the cost of making transfers and whether or not there are any fixed charges. How the fee works out will depend upon the size and volumes of your transactions, so be prepared to do your math.
• Transparency over fees and charges is important for you to be able to make a true comparison.
• If you need to send money instantly, transfer speeds will be an issue for you, and some payment methods can take up to a few days.
• When it comes to customer support, look for a good local presence in India and a high-quality user experience.
• When looking for the best international money transfer app for India, consider the number of currencies and destination countries each platform offers in relation to what you’re likely to need.
• If you receive payments from international clients, look for an app like Payoneer which offers local receiving accounts. This way you can minimize your FX charges.
• For smart and secure business payments, compare the security measures and regulatory compliance, making sure that your chosen app complies with Indian remittance rules. 

The best ways to transfer money internationally

Here are some of the best apps for handling international money transfers from India:

• Payoneer is a great platform for B2B services, such as cross-border payments, contractor payments, etc. It’s also ideal for freelancers, sole traders and entrepreneurs who want to get paid by customers everywhere. It offers multi-currency receiving and withdrawal, can be linked to your Indian bank account, and offers free transactions with other Payoneer accounts, with competitive fees for other types of transfers. It also integrates smoothly with global marketplaces such as Fiverr, and has an excellent focus on security. Please note that at this time you are only able to receive, not send, money as a Payoneer client in India.  
• Wise has a strong reputation for transparent pricing and mid-market exchange rates, making it a popular choice for sending money internationally. It’s particularly valued for its clarity and speed. However, some receiving and account features are limited in India due to regulatory requirements, so users should check eligibility before relying on it for inbound payments.
• Unimoni App is an India-based remittance provider offering transfers across a wide range of currencies and destinations. It supports outward remittances under RBI guidelines and is accessible through both digital channels and physical branches, which can be useful for users who prefer in-person assistance alongside app-based convenience.
• Western Union is one of the most recognized names in international money transfers, with a global presence spanning up to 70 countries. It offers both online transfers and cash pickup options, making it particularly useful for recipients who may not have bank accounts. While convenient and widely trusted, fees and exchange rates can vary depending on the destination and payout method.
• Xoom by PayPal is a globally established remittance platform that allows users to send money directly to bank accounts or for cash pickup in select countries. Its integration with the PayPal ecosystem adds brand familiarity and convenience. However, users should compare exchange rates and transfer fees carefully, as costs can be higher than some newer digital-first competitors.
• Instarem supports both personal and B2B international transfers and positions itself as a cost-effective alternative to traditional banks. It offers competitive exchange rates and low, transparent fees, making it attractive for freelancers, small businesses, and individuals sending money abroad. Its digital-first model also allows for relatively fast transfers to many major global corridors.