Send money home in minutes.
Zero fees, live Google rates, and the exact rupee amount before you confirm.
- Xpat Prime — our best rate, to your own NRO or savings account.
- UPI Express to family in seconds, up to ₹2 lakh.
Xpat MoneySend money
Send money
without a sweat.
Zero-fee transfers between the US and India, a US dollar account you can open from India, a forex card and a cash-secured credit card — all in one place.
$0transfer fees
~2 mintypical Prime delivery
$1Mmax with enhanced verification
24 hrsto your own US account number
Everything in Xpat Money
Each part works on its own, and they all share one verified account.
Your own US account, even from India.
A Cash Plus Account with your own account and routing number in 24 hours — with just your passport and a selfie.
- Get paid by your employer or anyone in the US.
- Send to India straight from your balance.
Cards for day one and beyond.
A multi-currency forex card before you fly, and a cash-secured credit card that builds your US credit.
- $500–$1,000 to start — no US credit history needed.
- Cash-secured, so there’s never debt you didn’t plan for.
Know exactly what lands.
Lock your rate, schedule up to 60 days ahead, and follow every step until it’s credited.
- Recurring transfers — the same amount every month.
- Up to $1M with enhanced verification.
Accounts for both sides of your life
No branch visits. Your US account opens in 24 hours, and NRE/NRO accounts (coming soon) reuse the same KYC.
- 01
Cash Plus Account
Account + routing number in 24 hours — open it from India. Hold up to $30,000, more with extra KYC.
US - 02
NRE Account
Tax-free interest, fully repatriable. Opens online; activates once the bank receives your signed forms.
Coming soonIndia - 03
NRO Account
For Indian income like rent and dividends — and our best Prime rate. Same instant opening.
Coming soonIndia
Three steps. That’s it.
How Xpat Money works, from your first sign-in.
Verify once
Your passport and a selfie — from the US or India. Most verifications complete in minutes.
Link or fund
Link a US bank with Plaid, or use your Xpat USD or Cash Plus balance.
Send
Pick a recipient — we choose the fastest, cheapest route automatically.
Try it
See exactly what arrives
Type an amount and see the exact rupees that land, with any new-user rate applied.
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 nowGood to know
Prime transfers to your own NRO account usually arrive within minutes. Standard transfers arrive within one business day, and UPI Express is instant.
From a linked bank: ₹2.5 lakh a day to start, ₹12 lakh a day after SSN verification (₹10 lakh / ₹40 lakh a week). Larger single transfers go from your Cash Plus Account, and enhanced verification unlocks up to $1,000,000.
No — it is a brokerage cash account offered by Bivo Inc. Balances are swept to FDIC-insured program banks with pass-through coverage up to $250,000.
No TDS applies to new transfers. Your recipient receives the full amount shown.