The best USD to INR rate when you send a lot.

The mid-market rate: the midpoint between what banks buy and sell a currency for, and the rate you see when you search USD to INR on Google. It is the real price of rupees at that moment. Any rate a provider offers below it includes a markup, whether or not a fee is charged as well.

Yes. ComplyRemit converts transfers at the mid-market exchange rate, the same rate Google shows, and any fee is disclosed on the review screen before you confirm. That screen shows the rate applied and the exact rupees the recipient will receive, and that figure is the one that arrives.

The rate moves through the day, so the number on Google at breakfast is not the number at dinner. What matters is that the rate you are shown when you confirm has no margin taken out of it.

More than any fee. A markup of half a rupee per dollar costs 5,000 rupees on $10,000, 25,000 rupees on $50,000 and 50,000 rupees on $100,000. It never appears on a receipt, because it is taken out of the rate rather than charged, which is why it is easy to miss and expensive to ignore.

Those figures use a hypothetical provider, not any named company's pricing. Run the same sum on any quote you are given: take the rupees you would receive, divide by the dollars you send, and compare the result with the mid-market rate at that moment.

On ComplyRemit, yes, for some customers. Customers who send regularly or in larger amounts can be given Silver or Gold status by our team. A customer on either is paid a rate above the mid-market rate on their transfers, so their recipient receives more rupees for every dollar sent.

Status is awarded by a person, not earned automatically at a set amount, and it can change. Whatever your status, the rate you will get is always the one shown on your review screen before you confirm, so there is never a figure to take on trust.

If you are planning to move a large balance, tell our support team before you start. It is the simplest way to make sure your account is set up for the amounts you have in mind.

Ignore the fee line and compare one number: the rupees that arrive for the dollars you send. Ask each provider for that figure on the same amount at the same time. A zero-fee transfer at a marked-up rate regularly delivers less than a transfer with a visible fee at the real rate.

Nobody can reliably predict the rate, so waiting is a guess. If the amount is large and the timing is flexible, sending in planned instalments over several weeks spreads the risk of a single bad day. What you can control is the margin, and that is worth far more than timing.

If the money is needed on a date, a house payment or school fees, send for the date rather than for the rate. A late payment costs more than a few paise.

No. The rate does not depend on the amount, and a transfer above your limit is simply not sent until the limit is raised. Adding your Social Security number raises it in about two minutes, and an enhanced review can raise it up to $50,000 per transfer, decided by a person in about two business days.