Best Digital Money Transfer Services to India


(for new customers only)

First transfer fee-free using code ‘FIRSTFREEAU’


0-1 Day




Western Union is one of the world’s most well-established money transfer services. Although they don’t have a very relatable founding story, they have been noted to invest in the Indian community.

They also show they have an understanding of your money sending habits by being reliable and having many receive options across India.

They also provide free transfers to banks in India, which is not something other brands provide, however their exchange rate is less favourable than others, which would see the receiver losing some of the money. Read the full review below.


Brand Story

    • Brand mission: To help grow economies and realize a better world
    • Well-established brand, with not too much of a relatable backstory
    • Partnered with Amazon to help people pay for items in own currencies
    • Has the Western Union Foundation – a collaboration with NGOs to grow skills in people of developing countries


User Experience

    • Clear to see fees and amount received, before and after sign-up
    • Easy to search for receive country and to find help/contact information
    • Not clear they have an app available
    • Easy-to-understand language, but is not available in Indian languages
    • The homepage is a little dark and not too welcoming, which might be off-putting for some customers


Community Interactions Incentives

    • $4 AUD lowest fee
    • First transfer fee-free, but it is hard to find this information
    • Customer stories and special occasion articles on blog
    • Western Union have been active in the community in the past, and they still show some community engagement, but more of their money goes towards advertising

SCORE 15.3

Sender Experience

    • Relatively easy sign-up process
      • Requires basic information such as name, email address and password, but also address, DOB and mobile number
    • Sender is notified via email once money is sent, and when the money is received
    • Easy to make recurring payments – all previous receiver details remembered
    • Receive options are clear, features bank transfer or cash pick-up
    • Sender also has two options for digital payment
    • Sender can gain a clear understanding of approximately how long transfer will take depending on transfer option chosen
    • App is available
    • Very quick send time to India – transfer was finalised within one day for CulturalPulse tests


Receiver Experience

    • Email notification when transfer is sent, and then again when finalised
    • All bank accounts in India, or near-to instant cash pick-up from thousands of locations
      • Not easy to find where receivers can pick up the money to them
    • Very quick send time to India – transfer was finalised within one day for CulturalPulse tests


Financial Values

The following values were tested based on sending $1000 to India. Please note these were the values we were shown at the time and are subject to change. For a more up-to-date representation, check out their current rates HERE

    • Fees: $20 (for cash pick-up), or free bank transfers
    • Exchange rate: 1.00 AUD = 49.1188 INR
    • Amount received: $1000 AUD = 49118.76 INR


Customer Service

    • Automated receiver system when checking on the progress of the transfer
    • Mixed social media comments, but Western Union responds to many
    • Facebook response time: Typically within a day
    • Contact options on website – Contact form or phone numbers available on website


Safety & Security

    • ASIC and AUSTRAC registered

SCORE 2.92

Indian Community Panel Reviews

    • TrustPilot: 8.1/10
    • Google Reviews: N/A
    • Overall App Store rating: 9/10
Instarem logo
MoneyGram logo
Remitly logo
Ria logo
Western Union logo
WorldRemit logo