Remitly charges $3.99 per transfer while PayPal/Xoom charges $4.99. However, the total cost depends on exchange rate markup as much as the nominal fee.
- 1. Side-by-Side
- 2. Fee Comparison
- 3. Exchange Rates
- 4. Our Verdict
- 5. FAQs
Remitly vs PayPal/Xoom: Quick Comparison
| Feature | Remitly | PayPal/Xoom |
|---|---|---|
| Transfer Fee | $3.99 | $4.99 |
| Exchange Rate | Competitive | Competitive |
| Transfer Speed | Minutes-3 days | 1-3 days |
| User Rating | ⭐⭐⭐⭐ 4.7/5 | ⭐⭐⭐⭐ 4.3/5 |
| Best Feature | Express & Economy options | PayPal account integration |
| For $1,000 to India | ₹83,166 received | ₹83,083 received |
Fee Comparison: Remitly vs PayPal/Xoom
Remitly charges $3.99 per transfer while PayPal/Xoom charges $4.99. However, the total cost depends on exchange rate markup as much as the nominal fee.
Exchange Rate Comparison
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Remitly uses Competitive exchange rates. PayPal/Xoom uses Competitive. For USD to INR transfers, exchange rate quality matters more than the nominal transfer fee — a 1% rate difference on $1,000 is $8–10.
Our Verdict: Remitly vs PayPal/Xoom
🏆 Winner: Remitly
Remitly wins overall due to better exchange rates and user satisfaction (4.7/5 rating). However, PayPal/Xoom may be better if you need 1-3 days delivery speed.
- Choose Remitly if: Express & Economy options
- Choose PayPal/Xoom if: PayPal account integration
- Consider Wise as an alternative for mid-market rate transfers with no hidden fees
Frequently Asked Questions
Common questions about remitly vs paypal/xoom for india transfers
Which is cheaper: Remitly or PayPal/Xoom for sending money to India?
For a $1,000 USD to INR transfer, Remitly delivers approximately ₹83,166 while PayPal/Xoom delivers ₹83,083. Remitly delivers more to the recipient at this amount.
Is Remitly or PayPal/Xoom faster for India transfers?
Remitly takes Minutes-3 days while PayPal/Xoom takes 1-3 days. If speed is the priority, Remitly is faster for urgent transfers to India.
Which has better exchange rates: Remitly or PayPal/Xoom?
Remitly offers Competitive rates while PayPal/Xoom offers Competitive rates. Mid-market rate services like Wise (0% markup) are typically the gold standard — both Remitly and PayPal/Xoom may have slight markups that add up on larger transfers.
Can I use both Remitly and PayPal/Xoom to send money to India?
Yes! Many experienced senders use different services for different purposes — e.g., PayPal/Xoom for urgent transfers and Remitly for regular monthly remittances. Compare rates before each transfer as both services run promotions that can flip the savings equation.
What is the minimum transfer amount for Remitly and PayPal/Xoom?
Both Remitly and PayPal/Xoom typically have minimum transfers of $1–10. There's no maximum transfer limit for verified accounts, though larger transfers (above $10,000) may require additional KYC documentation and compliance checks.