What are Remitly fees in India for receiving international payments in 2026?
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Short answer
Remitly says there are no fees for the receiver in India.1 The sender pays any transfer fee.1 For personal USD to INR transfers, Remitly lists $3.99 below $1,000 and $0 at $1,000 or more.2 Remitly earns from the difference between its buying rate and the sender's rate.3 Remitly Business shows its fee before the sender confirms.45
| Fee type | Amount | When it applies |
|---|---|---|
| Receiving fee | None for the Indian recipient1 | Every transfer to India1 |
| Personal transfer fee (paid by sender) | $3.992 | USD to INR, below $1,0002 |
| Personal transfer fee (paid by sender) | $02 | USD to INR, $1,000 or more2 |
| Remitly Business fee (paid by sender) | Shown before confirming; no schedule published45 | US business sending to India45 |
| Exchange rate margin | Not published23 | Every transfer3 |
1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).
Estimated rupees received, on published fees
Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.
| # | Provider and route | Best for | Fee (+GST) | Markup | You receive | Cost |
|---|---|---|---|---|---|---|
| 1 | Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹942plus GST, rate not stated | 0% | ₹93,131 to ₹93,301 | 1.00 to 1.18% |
| 2 | RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,000plus GST, rate not stated | 0% | ₹93,063 to ₹93,243 | 1.06 to 1.25% |
| 3 | WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,435 | 0% | ₹92,809 | 1.52% |
| 4 | SkydoPayment link (InstaLinks) paid by ACH debit | Local bank transfers from major markets | ₹1,885plus GST, rate not stated | 0% | ₹92,019 to ₹92,358 | 2.00 to 2.36% |
| 5 | PayoneerLocal bank transfer to Payoneer receiving account details | Marketplace payouts such as Amazon or Upwork | ₹0no GST stated | 1 to 4% | ₹90,473 to ₹93,301 | 1.00 to 4.00% |
| 6 | PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice) | Clients paying by card or PayPal balance | ₹4,175no GST stated | 3 to 4% | ₹86,465 to ₹87,366 | 7.30 to 8.25% |
Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.
Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.
On Remitly, the client abroad is the customer and pays the costs; the Indian recipient is not charged by Remitly.1 This page lists what Remitly publishes about the cost of a transfer to India, as of October 2026. Remitly's terms limit who can send for business purposes, which the Remitly review explains.3
What are Remitly fees at a glance?
Remitly fees at a glance are zero for the Indian recipient, with the sender paying a transfer fee and receiving Remitly's exchange rate.123
| Sending route to India | Fee Remitly publishes (paid by sender) | Best for |
|---|---|---|
| Personal service, USD to INR, below $1,000 | $3.992 | Personal transfers only |
| Personal service, USD to INR, $1,000 or more | $02 | Personal transfers only |
| Personal service, new customer's first transfer | No fee2 | First-time personal senders |
| Remitly Business, US to India | Shown before confirming; no schedule published45 | US business clients already using Remitly |
| Remitly Business, US to India over $1,000, eligible methods | Limited-time promotion waiving the fee5 | US business clients sending larger amounts |
| Indian recipient | No fee1 | Every recipient |
The recipient profile in India is free.1
How does Remitly charge Indian users?
Remitly does not charge Indian users who receive money: the sender abroad pays any fee and the exchange rate margin.13
- Transaction fee: None for the recipient; $3.99 or $0 for a personal USD sender, by amount.12
- FX markup: Not published; Remitly may earn from the difference between its buying rate and the sender's rate.3
- Withdrawal fee: None for payout to an Indian bank account, UPI or cash pickup.16
- Fixed fee: $3.99 per personal USD transfer below $1,000, paid by the sender.2
An Indian freelancer or company cannot open a Remitly account to receive or invoice; the foreign client must be the Remitly customer, because Remitly Business is offered to businesses in the US and Canada and Remitly's personal terms prohibit sending for business purposes.3420
What does Remitly charge by payment method?
Remitly charges the sender, and says the payment method used to fund a transfer may affect speed and fees, without publishing a separate card fee for India.25
| Funding method | Remitly fee | Best for |
|---|---|---|
| Debit or credit card | No separate fee published; may affect fees25 | Senders paying by card |
| Card acceptance by the Indian recipient | Not offered5 | Not applicable |
Remitly's user agreement warns that some card issuers treat the payment as a cash advance with their own charges.3
What is the Remitly currency conversion fee and FX markup?
Remitly does not publish a currency conversion fee or margin over the mid-market rate; it says it and its service providers may make money from the difference between the rate at which they buy foreign currency and the rate provided to the sender.23
- Disclosure: The rate is disclosed before the sender authorises the transfer.3
- Margin: Not published.2
- Promotional rate: Shown for a new customer's first transfer, applying to the first $6,000 sent.2
For example, to see the margin as a percent, compare the INR amount Remitly quotes with the same-day USD to INR rate and divide the gap by the mid-market amount.23
What are Remitly withdrawal and settlement fees?
Remitly does not charge the recipient for payout to an Indian bank account, UPI or cash pickup.16
- Bank account: No recipient fee.16
- UPI: No recipient fee.16
- Cash pickup: No recipient fee.16
- Other banks: Remitly's user agreement says other banks in the chain may charge their own fees.3
Check the credit to your bank account against the amount the sender was quoted.3
Is GST charged on Remitly fees?
Remitly does not publish GST on its fees for India, and the Indian recipient pays no Remitly fee.15
- Recipient: No Remitly fee is charged.1
- Sender, Remitly Business: Remitly says "additional fees and taxes may apply" depending on payment method and recipient location.5
The tax treatment of the money you receive is separate from Remitly's fees; confirm it with your chartered accountant.
How much INR do you receive on $2,000, $5,000 and $10,000 with Remitly?
The INR you receive with Remitly on $2,000, $5,000 and $10,000 cannot be estimated, because Remitly offers Indian exporters no receiving route and does not publish its exchange rate margin.235 The table below lists no estimate for Remitly for that reason.
None of these providers publishes both a fee and a conversion markup for USD.
Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.
What hidden or one-off charges does Remitly apply?
Remitly's published one-off charges fall on the sender, mostly through card funding and banks in the chain.35
- Card funding: Some card issuers treat the payment as a cash advance with their own charges.3
- Intermediary banks: Other banks in the chain may charge their own fees.3
- Business transfers: Additional fees and taxes may apply depending on payment method and recipient location.5
- Promotions: The fee waiver for Remitly Business transfers over $1,000 is a limited-time promotion.5
Remitly does not publish a Remitly Business fee schedule for US to India payments, a card funding fee for India, the non-promotional USD to INR rate, or sending limits as amounts.2457
How can you reduce Remitly fees?
You can reduce Remitly fees only through the sender, because the Indian recipient pays no Remitly fee.1
- Send $1,000 or more: The personal USD fee drops from $3.99 to $0.2
- Check the quoted rate: The margin sits in the rate, which is disclosed before the sender authorises the transfer.3
- Avoid card cash advances: Some card issuers treat card funding as a cash advance.3
For example, a US business client already using Remitly Business could check whether the limited-time promotion waiving the fee on transfers over $1,000 applies to its payment method.5
How do Remitly fees compare with other platforms?
Remitly fees compare with other platforms as shown below, sorted by estimated cost on a USD 5,000 receipt on published fees, cheapest first; Remitly follows because it offers Indian exporters no receiving route.35
| Platform | Estimated cost on USD 5,000 | Best for |
|---|---|---|
| Skydo | 0.68%8910 | Local bank transfers from major markets11 |
| Razorpay | 1.00 to 1.18%1213 | Local transfers from the US, UK and eurozone14 |
| Karbon Business | 1.00 to 1.18%1516 | US bank transfers and marketplace payouts15 |
| Winvesta | 1.24%1718 | Local transfers with a published per-payment fee1719 |
| Remitly | Not estimated: no receiving route for Indian exporters35 | US business clients already using Remitly45 |
| Platform | Best for | INR on USD 2,000 | INR on USD 5,000 | INR on USD 10,000 | Cost on USD 5,000 |
|---|---|---|---|---|---|
| SkydoMost INRTransfer to Skydo local account details or international SWIFT account | Local bank transfers from major markets | ₹1,86,373 | ₹4,67,991 | ₹9,39,206 | 0.68% |
| Karbon BusinessBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,85,951 | ₹4,65,377 | ₹9,31,088 | 1.24% |
Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.
For more options in the same order, see Remitly alternatives, and compare a quote with other providers in the international payment fee calculator.
How did we verify this?
We checked this page against the sources below on 31 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.
- [1]Remitly India, Receive money in India from family abroad (checked 28 October 2026)
- [2]Remitly, USD to INR rate and fees (checked 28 October 2026)
- [3]Remitly User Agreement (US), effective 23 February 2026, sections on fees and foreign currency exchange (checked 28 October 2026)
- [4]Remitly Business Account Agreement (US), updated 1 August 2026, section 8 (checked 28 October 2026)
- [5]Remitly, Business payments from the United States to India (checked 28 October 2026)
- [6]Remitly, Send money to India from the United States (checked 28 October 2026)
- [7]Remitly, Large money transfers (checked 28 October 2026)
- [8]Skydo FAQ, How much does Skydo charge? (checked 2026-10-28)
- [9]Skydo, Home page (checked 2026-10-28)
- [10]Skydo, Terms of use (checked 2026-10-28)
- [11]Skydo FAQs, What countries can I get paid locally through Skydo? (checked 2026-10-28)
- [12]Razorpay, MoneySaver Export Account (international bank transfers) (checked 2026-10-28)
- [13]Razorpay, Pricing (checked 2026-10-28)
- [14]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
- [15]Karbon Business, Karbon for Freelancers (checked 2026-10-28)
- [16]Karbon, PayPal alternative (checked 2026-10-28)
- [17]Winvesta FAQs, What are the charges for the global collections account? (checked 2026-10-28)
- [18]Winvesta, Multi-currency account (checked 2026-10-28)
- [19]Winvesta FAQs, What currencies are available with local accounts? (checked 2026-10-28)
- [20]Remitly Canada, Remitly Business page and FAQ (checked 2026-10-31)
Frequently asked questions
Does Remitly charge the person receiving money in India?+
No. Remitly says there are no fees for you as the receiver in India, and the recipient profile in India is free. Any transfer fee is paid by the sender abroad, who also receives Remitly's exchange rate. Other banks in the payment chain may still charge their own fees, according to Remitly's user agreement.13
Can an Indian freelancer open a Remitly account to invoice clients?+
No. An Indian freelancer or company cannot open a Remitly account to receive or invoice; the foreign client must be the Remitly customer. Remitly Business is for US-registered businesses under its US agreement and Remitly's Canada site says it is also available to businesses in Canada, while Remitly's personal terms prohibit sending for business purposes, which the Remitly review explains in full.3420
Is the first Remitly transfer to India free?+
On its USD to INR page, Remitly lists no fee on a new customer's first personal transfer. The same page shows a promotional exchange rate for a new customer's first transfer, applying to the first $6,000 sent. After that, the standard personal fee is $3.99 below $1,000 and $0 at $1,000 or more.2
Does Remitly Business charge setup or monthly fees?+
Remitly says Remitly Business has no setup or monthly fees and no subscription. It shows the transfer fee before the sender confirms and does not publish a schedule for US to India payments. Remitly Business also says additional fees and taxes may apply depending on payment method and recipient location.45
Can a client pay me through Remitly by card?+
The client can fund a transfer with a debit or credit card, which Remitly says may affect speed and fees, but it does not publish a separate card fee for India. Remitly's user agreement warns that some card issuers treat the payment as a cash advance. The Indian recipient cannot accept card payments through Remitly.235
Does Remitly provide a FIRA for payments to India?+
Remitly's pages do not mention a FIRA or FIRC for the Indian recipient, so no FIRA fee, FIRA process or purpose code process is published. An editor or consultant who needs a FIRA for a payment sent through Remitly should ask the Indian bank that credits the money to the account.15
This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.
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