What Are Remitly Fees in India in 2026?

Remitly fees for Indian users, as published on Remitly's own pricing pages and checked on 30 Sept 2026.

Remitly charges through a receiving fee, an FX markup on conversion and, in some cases, payout or fixed fees.

• Transaction fee: Paid by the US sender: $3.99 below $1,000 and $0 at $1,000 or more for USD to INR, as shown on Remitly's USD to INR page (rates subject to change); nothing is charged to the Indian recipient according to published pages (recipient-side charges Not confirmed).
• FX markup: Markup not published; Remitly's user agreement states it may earn from the difference between the rate at which it buys currency and the rate given to the customer.
• Withdrawal fee: Funds arrive in INR directly in the recipient's Indian bank account, UPI or cash pickup. The sender pays the transfer fee and the exchange rate includes a spread Remitly does not publish. Any recipient-side charges are Not confirmed.
• GST: Not confirmed. Remitly does not publish GST treatment for Indian recipients; fees are charged to the foreign sender.

Calculation basis: Not modelled. Remitly is a sender-initiated consumer remittance service: the fee is paid by the US sender, the consumer service is limited to personal, family or household purposes, and Remitly does not publish its FX markup over mid-market. It does not publish pricing for an Indian resident receiving a business or export payment.

Remitly's fee depends on how your client pays. Methods not listed are not supported or not published for Indian users.

Published FX markup: Markup not published; Remitly's user agreement states it may earn from the difference between the rate at which it buys currency and the rate given to the customer. The markup is the difference between the mid-market rate and the rate Remitly applies when converting to INR.

Not confirmed. Remitly does not publish GST treatment for Indian recipients; fees are charged to the foreign sender.

The table shows each charge line by line at the XE mid-market rate for 3 Nov 2026.

• Transfer fee (US to India, paid by sender): $3.99 below $1,000; $0 at $1,000 or more
• First transfer for new customers: No fee, limited-time offer
• FX conversion: Spread included in rate; markup not published

• Payment method: Ask clients to pay by local bank transfer to your account details, which usually costs less than cards, wallets or Swift wires.
• Invoice size: Where a platform charges a flat fee per payment, fewer and larger invoices lower the cost as a share of revenue.
• Conversion: Compare the rate offered with the mid-market rate on the day, because the FX markup is often the larger cost.
• GST: Keep the platform's tax invoices, since GST paid on fees may be claimable as input tax credit if you are GST registered.

Platforms are ranked by the INR received on a $5,000 invoice, with Remitly included.

Fees were checked on Remitly's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 3 Nov 2026. The formula is on the methodology page.

1. Remitly: Send Money to India from the US (checked 6 Oct 2026)
2. Remitly USD to INR rates and fees, Fee $3.99 below $1,000, $0 at $1,000 or more; promotional rate on first $6,000 (checked 6 Oct 2026)
3. Remitly User Agreement, Consumer use for personal, family or household purposes; FX spread disclosure; US residency and age 18; delivery promise; Remitly may limit transfer amounts per transaction or in aggregate; cash pickup cancelled if not collected within 60 days (checked 6 Oct 2026)
4. Remitly Business, For US-based companies paying freelancers, contractors and vendors abroad (checked 6 Oct 2026)