Are 0% FX cards the same as transfers?

No—those apply to card swipes/ATM abroad. Bank transfers have separate fees/markup.

Send money abroad

Lower fees. Better FX. Fewer surprises.

Some banks deduct inward fees—confirm with the receiving bank.

Compare providers by **effective rate** (mid-market + markup + fees) instead of headline “₹0 fee”.

Open Fee Checker Get a quote

At a glance

Provider	Fees	FX Markup	ETA
Wise	~0.6%	0%	Same day–2d	Open
BookMyForex (Agg.)	—	~0.5%*	1–3d	Open
Your Bank	₹500 + ~0.15%	~2–3%	1–3d	Check

* Aggregators vary by partner. Always check the final quote.

What to check

What is an “effective rate”?

It’s the mid-market rate plus any provider markup, after subtracting fees. We use it to compare apples to apples.

Are card “0% FX” offers the same?

No. They apply to card swipes/ATM abroad, not bank transfers. For transfers, check provider quotes.

Will the receiver pay bank charges?

Some banks deduct inward fees. Ask the receiving bank and factor it in for large amounts.