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Lowest Prices: Send money abroad at the lowest rates
Zero fees & hidden charges: No platform fee or service charge
End‑to‑end digital tracking: Monitor your transfer status anytime via website
Fully regulated & secure, backed by RBI‑compliant partners
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Compare fees of transferring money from India to USA
Know exactly what you’re paying—no hidden fees, no surprises for INR to USD transfers. Just ZERO-cost, transparent transfers to the USA.
USD
United States USD
INRIndian Rupee
87,705
Wise
Others
Net payable
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Total charges
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Including Markup & SWIFT Fee
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You pay
₹85,837.53
₹85,837.53Total Charges
₹1,300
Wise
You pay
₹87,837.53
₹87,837.53Total Charges
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Others
You pay
₹87,837.53
₹87,837.53Total Charges
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Values are based on assumptions and public data; refer to the official website for the latest figures.
How to transfer money from India to USA at lowest rates
Transfer funds via RBI-approved SWIFT transfer (Liberalised Remittance Scheme) with Niyo at Zero fee-
1
Go to Niyo website
Tap 'Send Money Abroad'
2
Choose currency
Choose the currency USD, and enter the amount
3
Add bank details
Add your recipient’s USA bank account details (university, student self or rental property)
4
Choose payment
Pay via UPI, NEFT, etc.
5
Review & track
Review, confirm, and track your transfer in real time
Lowest Prices, Zero Fees - Maximum Savings
Fast & easy international money transfers for INR to Dollar | No hidden charges | Live IBR rates for USD to INR
Why send money to USA with Niyo?
Niyo provides lowest prices & zero fees with RBI-compliant transfers under Liberalised Remittance Scheme
1.5% cheaper# than Wise, Flywire and others (save ~ ₹15K per transfer of ₹10L+)
Track every transfer in real time
Bank-grade encryption keeps your money & data safe
Best way to transfer money from India to USA at cheapest rates
Send money to USA right from your home with Niyo
Enjoy zero fee & lowest rateswith no hidden costs
100% digital, SWIFT transfer with RBI compliance
Instant alerts to track your transfer status in real time
One platform, full control from payment to credit confirmation
Who can do International Money Transfers to United States with Niyo?
Students, parents, grandparents, and siblings can send money abroad for tuition fees, living expenses, rent, and more—all fully RBI-compliant under LRS.
Where you can send money
To the student's United States account
Directly to the university for tuition fees
To a rental property owner for accommodation
Other approved education-related expenses abroad
4.7 
(46k reviews)
4.7
(34k reviews)Here's what our users say
I saw Niyo started international transfers at zero forex. Asked my dad to send my semester fees for my MS in Data Science here at University of Melbourne. Money came in fast and we got all charges back in coins.
I was worried about high bank charges for my tuition in Canada. A friend told me about Niyo transfers. My father sent fees for my Bahcelors at University of Toronto - smooth process and no extra cost after coins refund.
For my MBA at NUS Singapore, I needed to pay hostel rent. We used Niyo money transfer - very quick and cheaper than bank, plus got coins back for booking my next flight.
I'm in my second year of Computer Science at UC Berkeley. Dad used Niyo transfer for my tuition this time. Rates were over 2 % lower that flywire, transparent, and the whole thing took less than 24 hours.
Usually we used bank for my tuition payments in London. This time for my Masters at LSE, we tried Niyo transfer. Saved a lot, almost 25000 in upfront charges, Niyo just took 0.5% and for that too got coins back. Easy from the app, I think they are live on web too.
I had to pay my semester fee for my Masters i ETH Zurich. My parents used Niyo transfer from their ICICI account - super cheap, no hidden fee, fast and quite easy for parents to use
Paying my living expenses for my son's Master's at TU Munich was much easier this time with Niyo transfer. I did it in minutes, saved a lot, and money reached quickly.
For my son's MBBS final year in London, I sent his hostel fees through Niyo. Smooth experience, and the zero forex part really helped.
I'm in my first year of Business Analytics at University of Auckland. We used Niyo transfer for my tuition. Very fast and clear, and I love that the charges come back as coins.
Had to pay rent for my apartment near University of British Columbia. Mom used Niyo transfer from India - easy, cheaper, and all charges back in coins we'll use for my flight home.
Living in Seattle, I regularly send money back to India and receive from my family. Niyo's two-way transfers are incredibly convenient.
My startup investment in Silicon Valley went through Niyo. The compliance documentation was handled perfectly, making the process stress-free.
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FAQs
To transfer money from India to the USA with Niyo, simply open the Niyo app, go to “Send Money,” choose INR to USD, enter the amount, add your recipient’s US bank details, upload the required documents, and confirm the transfer. You can track the entire process within the app in real time.
Niyo doesn’t impose a strict minimum amount, making it ideal for small transfers as well. Whether you’re sending $100 or $1,000, you can send money to the USA from India digitally and securely.
Niyo offers lowest rates and zero fees, which means you get the real exchange rate when you send money from India to the USA. There’s a small, transparent service fee shown before you confirm the transfer - no hidden charges or inflated rates.
Yes. Niyo is a great solution for parents who regularly transfer money from India to the USA for tuition fees, living expenses, or emergencies. The process is compliant with RBI’s LRS, digital, and built for recurring or high-value transfers.
As per RBI’s Liberalised Remittance Scheme (LRS), you can send up to USD 250,000 per financial year from India to the USA. Niyo follows these guidelines strictly and ensures a smooth, compliant transfer process.
Niyo charges a low, upfront transfer fee, and there’s no hidden markup on currency conversion. You’ll always see the total cost before confirming the transfer, making it one of the cheapest ways to send money from India to the USA.
You can send up to $250,000 per year under RBI’s LRS guidelines. Niyo helps facilitate this by handling all documentation digitally, so you can send money to the USA from India with full legal compliance.
To legally transfer money from India to the USA, you must follow the Liberalised Remittance Scheme (LRS) set by RBI. With Niyo, all transfers are RBI-compliant, and your KYC and documentation are submitted digitally for easy approval.
The Niyo app is a reliable, easy-to-use option to send money from India to the USA. It supports multiple payment modes (UPI, NEFT, etc.), offers transparent fees, and lets you track your transfer in real time, making it one of the best ways to send money from India to the USA.
Top currencies we support
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About Niyo
Founded in 2015, Niyo has spent the last 10 years building secure, transparent, and innovative financial solutions - serving over 15 lakh customers across 25+ Indian cities.
RBI regulated & licensed: Owns Kanji Forex, a 90-year-old RBI-approved AD-II license holder for secure and legal international money transfers.
Safe & compliant banking: Partnered with regulated Indian banks like IDFC FIRST, YES Bank, and DCB for trustworthy money handling.
Trusted by India
15 lakh+ Indians, including 5 lakh+ students.
500+ Employees
pan India presence in 25+ cities
