How RupeeRelay compares transfers

Providers are ranked by the estimated rupees your recipient receives for the same send amount in US dollars. That is the only figure that matters to the person receiving the money, and it is the figure the default sort uses.

Headline exchange rates alone do not rank anything here. A high headline rate paired with a large fee can leave your recipient with less than a lower rate with no fee, so the rate is never shown or sorted without the fee beside it.

Providers do not all charge fees the same way, and the comparison accounts for that. Some providers deduct the fee from the amount sent, so only the remainder converts. Others charge the fee on top of the send amount, so the full amount converts and the sender pays the amount plus the fee. The comparison shows both the recipient payout and the total cost to the sender, so the two models are comparable.

Fee shapes also differ: a flat fee is the same whatever you send, a tiered fee changes at set amount thresholds, and a percentage fee scales with the amount. That is why the best provider for $100 is not always the best provider for $1,000, and why changing the amount can change the ranking.

Live. The figure came from the provider's own API on this request and is timestamped as such. Today, only Wise qualifies: its quote is fetched live from Wise's public quote API for a bank transfer to a bank account.

Indicative (recently verified). The figure comes from manual research of the provider's public calculator or published pricing, and its check date is no more than 30 days old. It is an estimate built from researched rates and markups, not a quote the provider issued for you.

Stale (historical). The figure is the same kind of researched estimate, but its check is more than 30 days old. It is shown as a historical figure, visibly downgraded, never as a current quote. A figure with no usable check date is treated the same way: undatable means stale.

Unavailable. When a provider has no usable figure, no figure is shown for it. A missing row is honest; an invented row is not. The same applies to delivery speed: a provider that does not publish a speed is ranked last on speed and can never win a fastest-delivery badge.

One more distinction matters. Every figure has two times attached to it: when the underlying rate was produced or last checked, and when this page retrieved it. The age of a figure is the gap between those two times, and that gap is what the 30 day rule measures.

Some providers offer better terms to new customers, usually on a first transfer only. The comparison has two modes, existing customer and new customer, and the mode you pick changes which figures are used. A promotion is applied only where it is verified, and only for customers who match its terms.

Some promotions are amount-dependent rather than flat. For example, a verified new-user rate may apply only to the first $100 of a first transfer, with everything above that converting at the regular rate. In that case the payout shown is the blend of the two parts, and the page says so, because quoting the promo rate on the whole amount would overstate what you receive.

An expiry is shown only when the provider officially publishes one. When no expiry is published, the page says that expiry is not published instead of inventing a date.

The comparison can be sorted four ways: most rupees to the recipient, lowest fee, fastest delivery, and highest exchange rate. Most rupees is the default because it is the outcome that matters most. Highest rate is not the same as most rupees: where fees differ, the highest rate can still leave your recipient with less, which is why the sort controls say so wherever the rate sort is offered.

Ties are broken by the higher recipient payout, so the ranking never drifts away from the recipient-gets principle, and unknown delivery speeds always sort last on speed.

Even a live figure is a quote for a moment, not a locked-in rate. The final amount at checkout can differ because the rate moved between the comparison and checkout, because the payment method differs (bank transfer, debit card, and other methods can price differently), because the provider priced your specific transfer differently, or because fees, limits, or eligibility terms changed since the figure was checked.

Delivery estimates are likewise estimates. They describe typical timing for the stated payment method, not a guaranteed arrival time, and they can change with the time of day, the receiving bank, and verification checks.

Rankings, payouts, and badges are computed from the figures alone, and no provider pays for placement, a higher rank, or a badge.

RupeeRelay does not move money, hold funds, or issue quotes on any provider's behalf. It does not predict where rates will go, and it does not recommend a provider for your situation: the ranking is arithmetic on the figures shown, and your own constraints (speed, payment method, limits, trust in a provider) may point elsewhere. Always confirm the final amount in the provider's own app before sending money.