The verdict: Revolut for cost, Revolut for speed.
On the headline measure that matters most — how much your recipient actually receives — Revolut comes out ahead in our reference $1,000 USD → INR comparison, by ₹183 (0.22%). On larger transfers the gap widens proportionally, so the right choice for someone sending $200 a month and someone sending $20,000 once a quarter can be different — always compare for your specific amount.
Revolut. Revolut is more than a transfer tool — it's a multi-currency account that lets users hold and exchange 30+ currencies at near-mid-market rates. Transfers between two Revolut accounts are instant and free. Sending to a non-Revolut bank account is competitive on weekdays but adds a 0.5–1% surcharge on weekends when interbank markets close. Read the full Revolut review →
XE Money. XE built its reputation on the world's most-used currency-conversion website before entering the consumer transfer market. Their rates are competitive — typically under 1% markup — and they're a safe choice for transfers above $5,000 thanks to their corporate FX desk. The trade-off is delivery speed: most transfers take 1 business day. Read the full XE Money review →