Refer friends and earn a $25 bonus!Send, save, pay, invest and file taxes across the US and India. One account from your admit letter to your homecoming.
New User Bonus for Diwali•$1 = 
USD
INRThe new user rate covers up to $100 of an eligible first transfer. The rest converts at the Xpat Prime rate.
₹1,613 more than a bankNew User Bonus valid on up to $100Usually same day
Exchange rates | USD – INR
₹95.12−1.12% 
₹95.58−0.64% 
₹94.86−1.39% Same dollars, more rupees. See the difference before you send.
Enter transfer amount
Xpat Prime
Sample rate Illustrative rates for a USD → INR bank deposit, after each provider’s fee. Other providers’ rates change often — check before you send.
The Xpat Cash Plus Account starts at 2.50%. Climb with your paycheck, transfers and friends.
0.07% APY*
2.50% APY
4.00% APY
6.50% APY
*FDIC national average for interest checking. Rates are variable. Terms apply.
Zero fees on all transfers
File US & Indian taxes together
Google USD-INR rates, always
Your own US account details
Invest in Indian markets with one click
Open a US dollar account from India with just your passport and a selfie. Pay your fees, carry a forex card — and soon, a cash-secured credit card that starts building your US credit before you land.
Verify with your passport and a selfie
Your own US dollar account
Salary in dollars, family and investments in rupees. Send home at better-than-bank rates, grow your money in India and file both tax returns together.
Salary into your Cash Plus Account
Send home — Prime rate, zero fees
Plan the move with a specialist, bring your dollars home at the right time, make the most of your RNOR years and close out US taxes cleanly.
Book a return-planning call
Move USD while you’re still an NRI
Banking built for the life you’re living abroad — in both countries, from one app.
A US dollar account with your own routing number — opened from India in 24 hours. NRE and NRO accounts coming soon.
Send money home, spend locally, invest and manage everything in one place.
Hold USD in your Cash Plus Account and send it home whenever you choose.
Hold USD in your Cash Plus Account, ready to send home any time.
Fund from any linked US bank and use the same balance for every transfer you make.
Whether it’s rent, groceries, or just making sure they’re okay, the money reaches them in minutes.
Transfer from USD to INR — and INR to USD — at live Google exchange rates.
Schedule payments up to 60 days ahead and send larger sums ($50,000 to $1M) easily.
Give wings to your dreams across borders.
One-click access to Indian mutual funds (powered by goINRI).
Invest in GIFT City funds in USD without currency conversion.
Filing taxes across two countries is complicated. Xpat connects you to experts who know both sides, at half the usual cost.
File US and Indian taxes together (powered by Rally Tax).
Experts who understand NRI tax obligations. Costs 50% less than a typical CA or CPA.
Real stories from people who trust Xpat to send money home.
“Xpat has impressed me multiple times with the best conversion rate and impressive customer experience overall. I wish I had known about this platform earlier.”
“Xpat consistently delivers exceptional conversion rates and a remarkable customer experience. I only wish I had discovered this platform sooner.”
“I faced a few issues at first, and the support team reached out, understood my concerns and resolved everything within a few hours. Great service and excellent support.”
“The rates, service and support are all excellent. I tried three other services before coming back, and I trust their security with my details.”
“Great service for small or big transfers. Customer service is exceptional.”
“My experience has been smooth and stress-free. I appreciate their quick support and reliable service.”
“Xpat offers the highest exchange rates compared to other services, with smooth and instant transactions. It also has a high payment limit.”
“I found it reliable and secure. They do not charge extra for instant transfers. Also their limits are very reasonable. I strongly recommend Xpat to anyone.”
“Used it for a few transfers. Rates are competitive and timely — better than many other popular services.”
“The support team solved my issue within minutes. Good rates, and problems get sorted right away. I recommend it for money transfers.”
“Good rates and excellent customer service that responds quickly. The staff are helpful, friendly and knowledgeable.”
“Easy setup, high rates and good customer service.”
“Xpat has impressed me multiple times with the best conversion rate and impressive customer experience overall. I wish I had known about this platform earlier.”
“Xpat offers the highest exchange rates compared to other services, with smooth and instant transactions. It also has a high payment limit.”
“Xpat consistently delivers exceptional conversion rates and a remarkable customer experience. I only wish I had discovered this platform sooner.”
“I found it reliable and secure. They do not charge extra for instant transfers. Also their limits are very reasonable. I strongly recommend Xpat to anyone.”
“I faced a few issues at first, and the support team reached out, understood my concerns and resolved everything within a few hours. Great service and excellent support.”
“Used it for a few transfers. Rates are competitive and timely — better than many other popular services.”
“The rates, service and support are all excellent. I tried three other services before coming back, and I trust their security with my details.”
“The support team solved my issue within minutes. Good rates, and problems get sorted right away. I recommend it for money transfers.”
“Great service for small or big transfers. Customer service is exceptional.”
“Good rates and excellent customer service that responds quickly. The staff are helpful, friendly and knowledgeable.”
“My experience has been smooth and stress-free. I appreciate their quick support and reliable service.”
“Easy setup, high rates and good customer service.”
Pay Indian vendors, freelancers and employees at live rates with no transfer fee.
Earn 2.5% on your business cash account instead of the 0% your US checking account pays today.
Access the GIFT City ecosystem in USD or invest in Indian markets directly (powered by goINRI).
File your US and Indian business taxes together (powered by Rally Tax) for less than a typical CA.
Plug into Xpat’s USD to INR infrastructure. Power your own remittance product, or add “Pay with Xpat” to your checkout without building the rails yourself.
Our banking and money-transfer partners are licensed and registered in the US and Canada.
US · Cross River Bank, Member FDIC · Bivo and Cybrid, NMLS-licensed
Canada · Cybrid Canada and ASK PAY, registered with FINTRACNo. Xpat is a financial technology company. Accounts, cards and transfers are provided through licensed partners such as Cross River Bank (Member FDIC), Cybrid and Bivo — the details for each product are on its page and in our footer.
Nothing. There are no transfer fees on USD → INR transfers. You see the exact rupee amount — and when it arrives — before you confirm.
Yes. Verify with your passport and a selfie and you’ll usually have a US account number and routing number within 24 hours — before you fly.
Yes. Add your PAN, choose your university — or fund your own USD account — and pay in INR under LRS. We file the A2 form for you and show any TCS up front.
No. You verify once. Transfers, accounts, investments and tax filing reuse the same verified profile and ask only for what is new.
From a linked bank, new customers can send up to ₹2.5 lakh a day and ₹10 lakh a week. Adding your SSN raises that to ₹12 lakh a day and ₹40 lakh a week; your Cash Plus Account and enhanced verification unlock larger single transfers — up to $1,000,000.
Yes — from planning your RNOR window and redesignating NRE accounts to moving USD home and filing your last US return.
