Sending money to India instantly.

Yes, once you are eligible. ComplyRemit customers may become eligible for instant transfers, under ten minutes end to end, once they have enough transaction history with us. Before that, funds are typically delivered within 48 hours of the debit clearing from your US bank account, which itself takes one to three business days.

Because the money has to leave your US bank first, and an ACH debit settles over one to three business days. A provider that pays out in minutes before that is advancing its own money against your pending debit, which it can only do for customers whose history shows the debit will clear.

That is why instant delivery is earned rather than switched on at sign-up, here and across the industry. A provider promising minutes on a first transfer funded from a bank account is either describing the payout leg alone or taking a risk it prices in somewhere.

Pay a UPI ID, have your account verified and your bank linked before the money is needed, and send early in the week. UPI payouts are usually credited within minutes of a transfer being funded, and a ready account removes the one-time setup steps that slow down a first transfer.

Starting on a Friday afternoon adds the weekend to the bank debit, because ACH settles on business days only. US bank holidays count the same way.

A payout to a UPI ID is usually credited in rupees within minutes of the transfer being funded. UPI is India's real-time payment network, so the Indian side of a transfer is rarely where the wait is. When there is a wait, it is almost always the debit from the US bank account.

Use an account that is already verified and has sent before, pay a UPI ID rather than a bank account, and send as early as possible on a business day. If you have never sent before, set the account up now: verification and bank linking happen once, and they are what make a first transfer slower.