Comparison guide · USD to INR · $1,000
Xpat and Wise price a transfer very differently. Xpat shows a fixed regular rate with a first-transfer promo on part of the amount, and charges no fee. Wise shows a live quote that moves with the market, with its fee deducted from the amount you send.
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; Xpat figures carry their last verified check date.
| 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 25, 2026, 5:00 AM PT |
| WiseLive | ₹95.01 per $1 | $11.26Deducted from the send amount | $1,000.00 | ₹93,935.54 | by Mon | Live, refreshed with each quote |
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: ₹2,314 between the two payouts in this mode.
Compare all providers at $1,000 or read each provider in full: Xpat profile and Wise 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 |
|---|---|---|---|---|---|---|
| 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 25, 2026, 5:00 AM PT |
| WiseLive | ₹95.01 per $1 | $11.26Deducted from the send amount | $1,000.00 | ₹93,935.54 | by Mon | Live, refreshed with each quote |
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: ₹3,800 between the two payouts in this mode.
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