#AppArrives asBehind the top
1WiseINR 38,188.91Most arrivesThe best regular price this morning. Wise gives the real market rate with a visible fee, and the money arrives in seconds.
2Remitly (regular)INR 37,994.20INR 194.71Second-best of the fresh regular prices. Remitly charges a visible fee and keeps a small quiet gap in the exchange rate.
3Xoom (PayPal)INR 37,669.52INR 519.39Xoom charges a visible fee and keeps a quiet gap in the exchange rate.
4OFXINR 36,357.34INR 1,831.57The least money arrived. OFX charges the biggest visible fee and keeps a quiet gap in the exchange rate.
5Remitly (first send only)Up to INR 38,817Remitly gives this promotional rate when you pay by bank, and it charges no fee. It could be less. Only on your first transfer with Remitly.
Across the four apps in the table, the gap between the best regular price and the worst named one came to 1,831.57 rupees. That is about £14.29. The number to beat this week is Wise's. On £300 Wise put the most rupees on the phone of any fresh regular price, at the real market rate, with a small fee you can see.
Wise's price is for a bank account. The Remitly, Xoom and OFX rows do not say how the money is paid out. Remitly's regular price has the £1.99 fee taken out of the £300.
What to actually open
If you do not want to open a new appUse Wise.On £300 this week Wise gave the most rupees of any fresh regular price, at the real market rate, with the fee on the screen. The plainness costs you £2.01 upfront and, this week, nothing on top.
If you are a new Remitly customerCheck the first-transfer offer before you send.On 7 August Remitly's page showed first-transfer rates from 128.62 to 129.39 rupees to the pound, paying by bank. At 129.39, £300 delivers 38,817 rupees, up to 628 rupees more than Wise, about £4.90. It could be less, because two new customers can see different rates. Compare the amount on Remitly's last screen with Wise's. The offer is one send only, so use it on a send you were going to make anyway.
If you already send with Remitly or you have used up the first sendWise is the sharper pick on today's numbers.On £300 Remitly's price in the comparison gave 195 rupees less than Wise, worth about £1.52. Its visible fee was £1.99, and the exchange rate took about 0.5 percent quietly, worth about £1.53.
Xoom gave 519 rupees less than Wise, about £4.05.Its visible fee was £1.99, and the exchange rate took about 1.4 percent quietly, worth about £4.07.
OFX gave the least money on £300 this week.A £7 upfront fee on a £300 send is a big proportion, and the rate takes about 3.2 percent on top. In all, OFX takes around £16.30. If you have a bigger transfer to make, look at OFX again on that day; on a £300 send it is not the number to open.
Catches
The comparison does not say how the sender paid for Remitly's row. Remitly's own page that morning listed everyday rates from 127.09 to 127.86 rupees to the pound. With the £1.99 fee taken out of the £300, that is about 37,874 to 38,104 rupees, below Wise and above Xoom across the whole range.
PayPal is not in the table. The comparison showed a price, but PayPal's US help page said on 5 November 2026 that it is "currently unable to allow personal payments to or from India". You may not be able to make this send.
Skrill's last sample in the comparison is from Wednesday 5 August at 15:30 UK time, close to two days old, and WorldRemit's is from Tuesday 4 August at 18:39 UK time, nearly three days old. Neither is in the table this week. Western Union's last sample is also from Tuesday 4 August, so it is dropped too. LemFi, Taptap Send and Sendwave do not show a price on this route in the comparison today.
Your recipient may ask you to pay a UPI ID instead (UPI is the phone-to-phone payment system in India) or a mobile wallet. If so, check the number inside the app before you send.
For the fuller story on picking the right kind of account on the receiving side, see how to send money to India.
How we checked
We checked on Friday 7 August 2026, morning UK time. Wise's number is from Wise's live rate feed and its own row in the price comparison, both at 05:05 UK time. Remitly's regular rate was sampled at 04:40 UK time, OFX at 04:20 and Xoom at 02:06. Remitly's first-transfer rates are from the Remitly UK site that morning.
To sanity-check the exchange rate, we cross-referenced open.er-api.com, an independent source: it puts the rate at 128.14 rupees to the pound, within 0.02 percent of Wise's live rate. The rate matches.
Next Friday we will check another country and another number.
Corrections
- 2026-11-05: An earlier version of this page did not say that Remitly's regular price, and its everyday range, have the £1.99 fee taken out of the £300. The page now says so. No figure changed.
- 2026-11-05: An earlier version of this page said Remitly was second-best of the regular prices in the comparison. Three older samples in the comparison were higher, so the page now says second-best of the fresh regular prices.
- 2026-11-05: An earlier version of this page gave Remitly's first send as 38,817 rupees on £300, said its offer delivered more, and put it 628 rupees, about £4.90, above Wise and 823 rupees above Remitly's regular rate. 129.39 was the top of the rates Remitly's page showed, so the page now says up to, and the 823 rupees is gone.
- 2026-11-05: An earlier version of this page counted each app's gap from Remitly's first-send figure, so Wise showed 628.09 rupees behind. The gaps now run from Wise's row.
- 2026-11-05: An earlier version of this page had a PayPal row at 36,401.48 rupees, 1,787 rupees less than Wise, counted five apps, and said not to open PayPal unless there was no other option. PayPal's US help page said on 5 November 2026 that it cannot make personal payments to or from India, so the row and the advice are gone.
- 2026-11-05: An earlier version of this page said the table was for a bank-deposit send and that its number was what arrives in the account. Only Wise's price is shown to be for a bank account, and the page now says so.
- 2026-11-05: An earlier version of this page gave Remitly's regular price without saying that the comparison does not name a way of paying. The page now says so, and gives Remitly's everyday range that morning.
- 2026-11-05: An earlier version of this page said Wise gave the most rupees of any regular price. It now says any fresh regular price.
- 2026-11-05: An earlier version of this page gave the time of Wise's live rate as around 6:25am UK time. It was 05:05 UK time.
- 2026-11-05: An earlier version of this page said Western Union's Tuesday rate sat slightly above the real market rate, and called that the shape of a first-transfer promotional rate. That used Friday's real rate, and against Tuesday's the gap is too small to read, so the line is gone.
- 2026-11-05: An earlier version of this page called Wise the sharpest fresh price and said it put the most rupees on the phone, and its summary said this Friday morning with no date. Remitly's first-send offer showed more, so these now say best regular price, and the summary gives the date.
- 2026-11-05: An earlier version of this page called Wise the safest, best-known option, and said Skrill and WorldRemit sometimes edge Wise on this route. We have no source for this, so the words are gone.
- 2026-11-05: An earlier version of this page said most people in India use UPI for everyday spending, that most UK apps pay into a bank account and a few pay a UPI ID directly, and that money moves to UPI in one tap, that bank deposit suits most households, and that the rate on wallet delivery can differ. We have no source for these, so the lines are gone.