The Cheapest Way to Send Money to India in 2026
Stop paying $3-15 in transfer fees. With Pym, you can send money from the US to India with $0 fees via bank transfer or crypto (USDT) — and get the best real-time exchange rates.
Fee Comparison: Pym vs Others
| Service | Transfer Fee | Speed |
|---|---|---|
| Pym (Bank Transfer)BEST | $0 | 1-2 days |
| Pym (Crypto/USDT)BEST | $0 | 1-2 days |
| Wise | $3.69+ | 1-2 days |
| Remitly | $2.99+ | 1-3 days |
| Western Union | $5.00+ | 1-5 days |
| PayPal/Xoom | $4.99+ | 1-3 days |
| Bank Wire | $15-45 | 3-5 days |
How Pym Works
Sign up free
Create an account in under a minute. No documents needed to start.
Choose how to pay
Select bank transfer or send USDT via crypto — both with $0 fees. Or pay by card for instant processing.
Money arrives in India
Recipient gets INR directly in their bank account or via UPI.
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Transfer Calculator
Choose how to pay — same great rate
Frequently Asked Questions
What is the cheapest way to send money to India from the US?
The cheapest way is using Pym's bank transfer or crypto (USDT) option — both charge $0 in transfer fees. You only pay the amount you're sending — no hidden charges, no markup on exchange rates.
How much does Pym charge to send money to India?
Pym charges $0 for bank transfers (ACH/wire) and $0 for crypto payments (USDT). If you prefer to pay by card, there's a small processing fee starting at $1.99.
Can I send money to India using cryptocurrency?
Yes! Pym accepts USDT (Tether) on TRC-20, BEP-20, and ERC-20 networks with $0 transfer fees. Send USDT and your recipient gets INR in their Indian bank account.
Is Pym safe to use for international transfers?
Yes. Pym is operated by Phodata LLC, a registered US company. We use bank-level encryption, secure payment processing through Stripe, and store no card details on our servers.
How long does a transfer to India take?
Bank transfers typically arrive within 1-2 business days. Card payments are processed instantly and funds arrive within 1-2 business days.
What exchange rate does Pym use?
Pym uses real-time mid-market exchange rates with minimal markup, so you always get a competitive rate.
Start sending money to India — for free
Best rates. No hidden charges.