The best way to send money to India when you move back.

Use a regulated online transfer service funded from your US bank account and paid into your own Indian account. Look for four things: the mid-market exchange rate, a limit that can be raised for large amounts, a record of every transfer, and support from a person. A bank wire rarely offers the first.

A wire is familiar, which is why most people start there. But a bank typically converts at its own rate, charges a sending fee, and may route the money through intermediary banks that each take a cut. On the amounts a returning family moves, the rate alone can cost more than the flights.

Because it is built for one corridor, the USA to India. Transfers convert at the mid-market exchange rate, the one Google shows, with any fee disclosed before you confirm. Limits rise with verification, your own NRE, NRO or savings account can be the destination, and every transfer can be tracked until it is paid.

Each Indian account is checked with the bank when you add it, so a wrong IFSC or a dormant account is caught before money moves. Each transfer is confirmed with a code emailed to you, and if one cannot be completed the full amount debited from your bank is returned.

Funds are typically delivered within 48 hours of the debit clearing from your US bank account, and that debit takes one to three business days. Customers may become eligible for instant transfers, under ten minutes end to end, once they have enough transaction history with us.

Instant delivery is earned through history rather than switched on at sign-up, so start early. A returning family that begins sending two or three months before the move has the history, and the confidence, by the time the larger amounts go.

Up to $50,000 per transfer once an enhanced review is approved. You start with the limit identity verification gives you, raise it in about two minutes by adding your Social Security number, and ask for the enhanced review with a recent pay stub and bank statement. A larger balance moves as several transfers.

A person reviews the request and usually decides within about two business days. Approval is not guaranteed, and if it is not approved your account keeps working at the limit you already have. Daily and weekly limits also apply and are shown before you send.

Yes. 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 Google rate, so the recipient receives more rupees for every dollar. It is not automatic, and the rate on your review screen is always the one you get.

If you are about to move a large balance, write to support before you start. It is the quickest way to have your account ready for the amounts you have in mind.

Yes. ComplyRemit operates through regulated payments partners that hold the money transmission authorizations required to move funds between the US and India, and every sender is identity-verified. Neither country caps how much of your own money you may send to India, and each transfer leaves a record you can show a bank or tax office.

Customer funds are held and settled by those regulated partners, and ComplyRemit does not custody funds. Because every transfer is funded from a US bank account, the 1% US remittance tax on cash-funded transfers does not apply.

Sign up, verify your identity with a photo ID and a selfie, link your US checking account through Plaid, and add your Indian account. Most people finish in a few minutes. Then send a small test transfer, add your Social Security number to raise your limit, and ask for the enhanced review if you need more.

Do it while your US address, phone number and bank access are all still in place. The checklist for moving back covers the rest of the move.