Comparison guide · USD to INR · $1,000

Xpat vs Remitly: promo on $100 against promo on $6,000

Xpat and Remitly both run first-transfer promos, but the promos work differently. Xpat applies its new-user rate to only the first $100 of a first transfer and charges no fee, while Remitly applies its Welcome rate to the first $6,000 sent and charges its fee 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. Each figure carries its last verified check date, and promo terms are shown only where the provider publishes them.

Existing customers at $1,000

Provider	Rate	Fee	Total you pay	Recipient gets	Delivery	Figure checked
XpatIndicative	₹96.25 per $1	$0.00Deducted from the send amount	$1,000.00	₹96,250.00	1–2 business days	Oct 26, 2026, 5:00 AM PT
RemitlyIndicative	₹94.98 per $1	$0.00Charged on top of the send amount	$1,000.00	₹94,976.47	Within minutes	Oct 26, 2026, 5:00 AM PT

Who leads, and on what, at $1,000

Xpat leads on payout in existing mode by ₹1,273.53.
Remitly publishes the faster delivery estimate in existing mode (Within minutes vs 1–2 business days).

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: ₹1,274 between the two payouts in this mode.

New customers at $1,000

Provider	Rate	Fee	Total you pay	Recipient gets	Delivery	Figure checked
XpatIndicativeNew-user rate · first transfer only · promo on first $100	₹97.74 per $1	$0.00Deducted from the send amount	$1,000.00	₹97,736.00	1–2 business days	Oct 26, 2026, 5:00 AM PT
RemitlyIndicativeNew-customer promo rate · first $6,000 sent	₹95.61 per $1	$0.00Charged on top of the send amount	$1,000.00	₹95,610.00	Within minutes	Oct 26, 2026, 5:00 AM PT

Who leads, and on what, at $1,000

Xpat leads on payout in new mode by ₹2,126.00.
Remitly publishes the faster delivery estimate in new mode (Within minutes vs 1–2 business days).

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: ₹2,126 between the two payouts in this mode.

Caveats that change the answer

- Xpat's new-user rate of ₹111.11 applies only to the first $100 of the first transfer. Everything above $100 converts at the regular ₹96.25 rate, so a $1,000 first transfer is a blend, not $1,000 at ₹111.11.
- Xpat's promo is first-transfer only. A second transfer uses the regular rate.
- Remitly's Welcome promo applies to new customers only, on the first $6,000 sent, with published terms running through Dec 31, 2026.
- Delivery is the real tradeoff here. Xpat delivery is 1 to 2 business days in config, while Remitly delivery is within minutes. Minutes are estimates from the providers, not a delivery guarantee.

Keep comparing

Compare all providers at $1,000 or read each provider in full: Xpat profile and Remitly 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.