Comparison guide · USD to INR · $1,000
Wise and Xoom differ in what their calculator shows you first. Wise shows a live quote that moves with the market, with its fee deducted from the amount you send. Xoom's calculator defaults to a first-time rate view, with its fee charged on top of the send amount.
The tables below use the same $1,000, bank account funding, bank deposit in India assumptions as the comparison tool, in both existing-customer and new-customer modes. Wise figures are live at the time you load the page; Xoom figures carry their last verified check date.
| Provider | Rate | Fee | Total you pay | Recipient gets | Delivery | Figure checked |
|---|---|---|---|---|---|---|
| WiseLive | ₹95.25 per $1 | $11.26Deducted from the send amount | $1,000.00 | ₹94,180.15 | by Tue | Live, refreshed with each quote |
| XoomIndicative | ₹94.40 per $1 | $2.99Charged on top of the send amount | $1,002.99 | ₹94,395.43 | Within minutes | Oct 26, 2026, 5:00 AM PT |
These lines describe $1,000 in this customer mode only. A different amount, a different mode, or a rate move can change them.
Difference at $1,000: between the two payouts in this mode.
Compare all providers at $1,000 or read each provider in full: Wise profile and Xoom profile.
Figures are estimates, not a live quote, except where marked Live. Always confirm the final amount in the provider's app before sending money.
| Provider | Rate | Fee | Total you pay | Recipient gets | Delivery | Figure checked |
|---|---|---|---|---|---|---|
| WiseLive | ₹95.25 per $1 | $11.26Deducted from the send amount | $1,000.00 | ₹94,180.15 | by Tue | Live, refreshed with each quote |
| XoomIndicativeFirst-time rate · bank deposit · zero fees | ₹94.98 per $1 | $0.00Charged on top of the send amount | $1,000.00 | ₹94,981.50 | Within minutes | Oct 26, 2026, 5:00 AM PT |
These lines describe $1,000 in this customer mode only. A different amount, a different mode, or a rate move can change them.
Difference at $1,000: ₹801 between the two payouts in this mode.
© 2026 RupeeRelay. Comparison methodology and figures shown for information only.