Send money at the mid-market rate to India

ComplyRemit is a cross-border money transfer service from the US to India. You fund a transfer from a linked US bank account, and the recipient receives rupees in their Indian bank account or at their UPI ID. We operate through regulated payments partners who perform identity verification, fund custody, and settlement under their licenses.

Today ComplyRemit supports sending USD from a US bank account to India, paid out in Indian rupees (INR). The Philippines (PHP), Vietnam (VND), Indonesia (IDR), and Nigeria (NGN) are planned but not live yet, and will be announced when they launch.

Yes. For transfers to India, you can pay out to the recipient's bank account or to any UPI ID (VPA). Just enter their UPI ID when you set up the transfer, and the funds are credited in rupees, typically within minutes. UPI is an India payout method.

Create an account on the web or mobile app with your email, verify it, and complete identity verification (KYC). Once your KYC is approved, link a US bank account through Plaid and add a recipient. Most users complete onboarding in under 5-7 minutes.

Senders complete KYC through our partner Persona, which typically requires a government-issued ID and proof of address. Most users provide a driver's license or state ID. Recipients complete the identity verification required in their country (for example, Aadhaar and PAN for recipients in India), in line with local regulations.

Customers may become eligible for instant transfers (under 10 minutes) once they have sufficient transaction history with us. For non instant transfers, funds are typically delivered to the recipient's bank account within 48 hours after the debit from your U.S. bank account. Delivery times depend on your funding method, banking hours, compliance checks, and bank holidays.

All transfers are processed at the mid-market exchange rate (Google rate), with no surprise or hidden fees.

No. Since January 2026 the US charges a 1% excise tax on transfers abroad paid for in cash, by money order or by cashier's check. Every ComplyRemit transfer is funded from your linked US bank account, which the law excludes from the tax.

Yes. Every transfer has a minimum and a maximum, shown under the amount field before you send. Your maximum depends on how far you have verified: adding your SSN raises it, and an enhanced review can raise it further for larger transfers. Daily and weekly limits also apply and are visible in the app.

Customer funds are held and settled by our regulated partners, who are FDIC-insured. ComplyRemit does not custody funds. On our side, personally identifiable information is encrypted field by field using AES-256-GCM with keys managed by hyperscalers. All traffic is protected with TLS and HSTS, and sensitive actions require step up verification (email code on web, biometric verification on mobile).

ComplyRemit operates through regulated payments partners that hold the money transmission authorizations required to move funds between the US and the countries we serve. Your transfer is executed under that regulated framework, and ComplyRemit complies with the applicable KYC and AML requirements of our partners and the jurisdictions in which we operate.

If a transfer cannot be completed, the full amount debited from your funding source is returned. You can track every transfer in the activity screen, and our support team can investigate any transfer that does not settle as expected. Our support team typically responds the same day to all inquiries.

Email [email protected], and we typically respond the same day. For privacy or data protection requests, write to [email protected]. For legal questions, please contact [email protected].