One home for money
in two countries.
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.
H-1B, L-1 and green-card holders · US citizens of Indian origin (OCI) · Anyone supporting family in India
Everything in the right order
Each step unlocks the next. You never repeat KYC, and the app always knows what comes next.
- Every payday
Salary into your Cash Plus Account
Direct deposit into your Cash Plus Account — send home what you need, keep the rest in dollars.
Xpat Money - Any time
Send home — Prime rate, zero fees
Prime to your own NRO for the best rate, Standard to NRE or family, or UPI Express in seconds.
Xpat Money - Once · Coming soon
Open NRE/NRO accounts in the app
No branch visit. Your KYC is already done — the account opens instantly and activates once our partner bank receives your signed documents.
Xpat Money - Monthly
Invest in India in one tap
SIPs into NRI-eligible mutual funds, funded straight from your NRE. We flag funds that don’t accept US residents.
Xpat Wealth - Tax season
US + India returns, filed together
1040, ITR-2 and FBAR — your transfers, interest and capital gains flow in automatically. DTAA credits applied.
Xpat Tax
See what your family receives
Zero fees, and the rate is locked before you send.
New user rate•$1 = ₹96.20 ₹106.00
INRRecipient gets₹97,180.00SAMPLE RATEUsually arrives today · you get ₹3,053 more than a typical bank
Transfer nowQuestions people ask at this stage
Prime is our best rate and goes to your own NRO or savings account in India. Standard covers NRE accounts and sending to family. Both have zero transfer fees.
NRE holds money you earn abroad; it’s tax-free in India and fully repatriable. NRO holds income earned in India, like rent or dividends; its interest is taxable. Most NRIs need both.
If the combined peak balance of your non-US accounts crosses $10,000 at any point in the year, yes. Xpat tracks it and pre-fills the form for you.
Coming home
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.