How to Send Money from India to the US via Remitly? Understand the Simple and Secure Remittance Process and Fees

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When you want to send money from India to the USA via Remitly, you can follow these steps:

1. Register an account and fill in basic information.
2. Complete identity verification to ensure account security.
3. Enter recipient information and choose a receipt method such as bank account, debit card, or cash pickup.
4. Enter the remittance amount, and the system will automatically display fees and real-time exchange rates.
5. Confirm all information and submit the remittance.

You can see the factors users consider when choosing Remitly for remittances in the table below:

You can choose the appropriate receipt method and fee plan based on your needs, enjoying a clear and transparent service experience.

Key Points

• When registering a Remitly account, prepare personal information to speed up the process.
• Completing identity verification is a crucial step to ensure fund security, requiring relevant documents.
• Choosing the right receipt method affects delivery time and fees, so make a choice based on your needs.
• Before submitting the remittance, carefully review all fee details to avoid hidden costs.
• Taking advantage of promotions and choosing payment methods wisely can effectively reduce remittance costs.

Remitly Remittance Process

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Register an Account

You can register an account through the Remitly website or mobile app. During registration, you need to provide your name, address, and contact number. The system will guide you step-by-step to complete the registration process. It’s recommended to have your personal information ready to speed up registration.

Verify Identity

To ensure fund security, Remitly requires you to complete identity verification. You can use any of the following documents for verification:

• Government-issued ID
• Financial documents, such as bank statements or payslips
• Proof of address, such as utility bills
• Business registration documents (if used for commercial purposes)
• Import/export licenses (for trade-related payments)
• Tax compliance certificate

After uploading these documents, the system will complete the review in a short time. Identity verification helps prevent fraud and ensures the safety of your remittance.

Enter Recipient Information

You need to accurately provide the recipient’s detailed information. Remitly requires the following:

• Recipient’s valid bank account number
• Government-issued photo ID, such as an Aadhar card or passport
• Proof of the sender’s address, such as utility bills or bank statements
• Detailed description of the transaction amount and purpose

This information ensures that funds are accurately transferred to the recipient’s account.

Choose Receipt Method

Remitly offers multiple receipt methods. You can choose to transfer funds to the recipient’s bank account, debit card, digital wallet, or opt for cash pickup. Each method may have different delivery times and fees. You can choose based on the recipient’s actual needs and convenience.

Enter Amount

You need to enter the amount you wish to send. Remitly allows you to flexibly choose the amount based on your needs. The table below shows the maximum amounts you can send:

You can choose the appropriate remittance amount based on your financial arrangements.

Confirm Fees

Before you submit the remittance, Remitly will clearly display all fees. You can see a detailed breakdown of fees, including service fees and real-time exchange rates. You can also compare different transfer options and amounts to choose the most suitable plan. Remitly ensures you know all fees accurately before completing the transfer, with no hidden charges.

Reminder: It’s recommended to carefully review all fee details before confirming to ensure every expense is within your budget.

Submit Remittance

After verifying all information, you can click submit. Remitly will process your request immediately. In most cases, the remittance will arrive within 1-3 business days. You can check the remittance progress anytime on the app or website to ensure the funds safely reach the recipient’s account.

Security Assurance

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Data Encryption

When using Remitly, the system employs multiple encryption technologies to protect your personal information and fund security. The platform uses industry-leading encryption protocols during data transmission and storage. The table below shows key encryption technologies:

These encryption measures ensure your identity and transaction data are protected at every step. You can confidently enter sensitive information, as the platform will automatically encrypt and securely transmit it.

Fund Security

During the remittance process, Remitly monitors all transactions in real-time to promptly detect and prevent suspicious activities. The platform uses two-factor authentication to further enhance account security. After each transfer, the system sends instant notifications to keep you informed about fund movements. Common security measures include:

• Using industry-standard encryption technology to secure personal and financial information
• Real-time transaction monitoring to prevent fraud and money laundering
• Two-factor authentication to enhance account security
• Instant notifications to help you track transfer progress

These measures ensure peace of mind during cross-border remittances, with guaranteed fund security.

Customer Service

If you encounter any issues, you can contact Remitly’s customer service team through multiple channels. The platform offers 24/7 online chat and email support, as well as phone support during designated hours. The table below shows key support channels and response times:

You can choose the most convenient method based on your needs to receive prompt professional assistance. Whether it’s an account issue or remittance progress, the customer service team can provide timely support.

Fee Structure

Handling Fees

When using Remitly, the handling fee structure is very clear. The platform typically charges a fixed fee based on the transfer amount and method. For example, for transfers under $1,000, the handling fee is $3.99. If you send over $1,000, Remitly does not charge a fixed handling fee, but you should still note exchange rate margins. Compared to other international remittance services, Remitly’s fees are at a medium level. The table below compares Remitly with Wise and other mainstream platforms:

You can clearly see all fee details before remitting, making it easy to choose the best option.

Exchange Rate

Remitly’s exchange rates are adjusted in real-time based on market changes. The platform considers various economic factors, such as supply and demand, political and economic stability, government debt, interest rates, and inflation. When you remit, the system automatically displays the current applicable exchange rate. Rates may update hourly to ensure you get relatively real-time pricing. Remitly sets rates based on different transfer methods and costs, and some methods may include an exchange rate markup. You can check the latest rates on the platform anytime to choose the best remittance timing.

• Exchange rates are influenced by various economic factors and change frequently.
• Remitly sets rates based on different transfer methods, some of which may include a markup.
• You can check real-time exchange rates before remitting to avoid losses due to rate fluctuations.

Hidden Fees

Remitly’s fee structure is highly transparent. You can clearly see all fees and exchange rates before confirming a transfer. The platform itself does not charge hidden fees, but you should note the following:

• Some receiving banks may charge additional fees, which are not controlled by Remitly.
• The displayed exchange rate may include a certain percentage markup, sometimes considered a “hidden cost.”
• You can compare exchange rates and fees across platforms to assess actual costs.

Tip: Before remitting, carefully review all fee details to ensure every expense is within your budget.

Fee Examples

You can understand Remitly’s fee structure through the following real-world examples:

You can see that higher remittance amounts may have zero handling fees, but exchange rate markups affect the received amount. When choosing a remittance method and amount, consider both handling fees and exchange rates to select the most cost-effective plan.

Suggestion: Compare fees and exchange rates across platforms before remitting, and plan transfer timing and amounts wisely to maximize savings.

Cost Saving

Optimal Timing

You can reduce costs by choosing the right remittance timing. Exchange rates fluctuate daily, and some platforms support rate alerts. You can transfer when rates are favorable to get more USD. For example, many remittance services offer fee-free transfers for amounts above a certain threshold or for first-time users. You can regularly monitor platform rate changes and plan remittance timing to minimize unnecessary costs.

Tip: Consider consolidating remittances monthly instead of frequent small transfers to reduce the impact of fixed handling fees on total costs.

Payment Method Comparison

Different payment methods affect your total remittance costs. You can refer to the table below to choose the most suitable payment method:

Bank transfers typically have the lowest fees, suitable for non-urgent remittances. Debit and credit card payments, while faster, have higher fees. You can weigh speed and cost based on your needs to choose the optimal plan.

• Bank transfers have lower fees, suitable for large or non-urgent remittances.
• Debit and credit card payments have higher fees, suitable for urgent scenarios.
• Transfer amounts and receipt methods also affect total fees.

Promotions

You can take advantage of Remitly’s promotions to reduce remittance costs. First-time users can often enjoy transfer fee discounts or special exchange rates. You can access these offers by entering promo codes or using exclusive registration links. Some promotions waive transfer fees, subject to platform announcements. Note that promotions are typically time-limited and for first-time use only, and cannot be combined with other offers.

• First-time users can enjoy fee discounts or special exchange rates.
• Enter promo codes or use exclusive links to activate offers.
• Some promotions waive handling fees, so check platform announcements.

Avoiding Pitfalls

When remitting, watch out for these common pitfalls to avoid unnecessary expenses:

• Choosing bank deposits over cash pickups can yield lower fees and better exchange rates.
• Using economy transfer services, though slower, has lower fees.
• Compare exchange rates and fees across platforms before remitting to ensure the best deal.
• Pay attention to promotions, especially special discounts for first-time users.

By choosing payment methods, remittance timing, and platform promotions wisely, you can effectively reduce cross-border remittance costs.

You can experience a simple and efficient cross-border transfer process with Remitly. The platform uses multiple encryption and real-time monitoring to ensure fund security. All fees and exchange rates are clearly visible before transferring, helping you plan costs effectively. You can refer to the table below for Remitly’s user rating performance:

Many users find the transfer speed fast, operations user-friendly, and customer service friendly. You can choose the most suitable receipt method and fee plan based on your needs, flexibly addressing different scenarios. Remitly provides reliable and diverse cross-border remittance options.

FAQ

How long does it take for a Remitly remittance to arrive?

You can usually receive the remittance within 1-3 business days. The actual delivery time depends on the receipt method and bank processing speed.

What receipt methods are available?

You can choose bank accounts, debit cards, digital wallets, or cash pickups. Different methods have varying delivery speeds and fees.

Are there minimum or maximum amount limits for remittances?

You can send any amount, but the maximum limit per transaction is USD 10,000. Plan your remittance amount in advance to avoid exceeding limits.

How is fund security ensured during remittance?

When you remit, the platform uses multiple encryption and real-time monitoring. You can also protect your account with two-factor authentication.

How are remittance fees and exchange rates calculated?

You can see all fees and real-time exchange rates before submitting the remittance. The platform automatically displays detailed fees based on the amount and payment method.

Remitly offers a convenient option for sending money from India to the US, with clear fee structures, flexible payout methods—including bank deposits, debit cards, and cash pickup—and standard delivery within 1-3 business days. Its multi-layered encryption and real-time transaction monitoring also enhance user confidence in fund security.

When evaluating international remittance services, cost efficiency and the potential for post-transfer value creation are as important as core functionality. BiyaPay presents a cost-effective alternative: Fees as low as 0.5% with same-day transfers—send and receive on the same day. Users can check exact costs in advance using the real-time exchange rate calculator. Furthermore, once funds arrive, they can be directly used to invest in stocks, enabling seamless integration of remittance and wealth management—without needing separate overseas accounts.

For users seeking streamlined cross-border cash flow, transparency, and multifunctionality, integrated financial platforms like this are worth considering. Learn more at BiyaPay.