Your US money,
sorted before you fly.
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.
Students heading to the US · Professionals starting an H-1B or L-1 role · Parents funding a child abroad
Everything in the right order
Each step unlocks the next. You never repeat KYC, and the app always knows what comes next.
- Day 0 · from India
Verify with your passport and a selfie
Takes about 3 minutes on your phone. Add your PAN when you pay under LRS. Every Xpat product reuses this verification.
Xpat Money - Within 24 hours
Your own US dollar account
A real US account number and routing number in your name. Receive scholarships and stipends, pay deposits and hold up to $30,000 (more with extra KYC).
Xpat Money - Fee deadline
Fund it or pay fees under LRS
Send from any Indian bank to your Cash Plus Account or straight to your university — up to $250,000 a year. We handle the A2 form and show TCS up front.
Xpat Pay - Before you fly
Multi-currency forex card
Order it from the app and carry dollars on day one — for the airport, the cab and your first groceries.
Xpat Money - Before you fly · Coming soon
Cash-secured credit card
A real US credit card with its own number and CVV. Your limit starts at $500–$1,000, backed by your USD balance, and builds your US credit history from day one. Virtual card first; the physical card ships once you add your US address.
Xpat Money - When you land
Use it like any US account
Stipends and salary land in your Cash Plus Account. Pay rent and bills, and send money home to any Indian bank with just an account number and IFSC.
Xpat Money - Once you’re an NRI · Coming soon
NRE / NRO accounts in the app
Opened instantly with your existing KYC, then activated once our partner bank receives your signed documents.
Xpat Wealth
What your fees cost in rupees
Including TCS — shown before you pay, and refundable when you file your Indian return.
New user rate•$1 = ₹96.20 ₹106.00
INRRecipient gets₹24,05,980.00SAMPLE RATEUsually arrives today · you get ₹41,453 more than a typical bank
Transfer nowQuestions people ask at this stage
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 leave India.
Under LRS you can send up to $250,000 per financial year from India. Your Cash Plus Account can hold up to $30,000 without extra verification, and we can raise that with additional KYC.
Your limit — starting at $500–$1,000 — is backed by your USD balance, so there’s no credit check. It’s a real US credit card with its own number and CVV, and every on-time payment builds your US credit history.
Yes. Either the student or a parent can remit under their own LRS limit. TCS is collected from whoever pays and is credited back when they file their ITR.
Tax Collected at Source applies above ₹10 lakh a year: 5% for self-funded education, 0% if paid from an education loan, and 20% for most other purposes. It isn’t a fee — it’s adjusted against your income tax.
Nothing you need to do. X Travel Money is now part of Xpat — the same flow, one app, and your Cash Plus Account, cards and transfers all live together.
Living abroad
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.