Best Digital Money Transfer Services to India


(for new customers only)

No fees on first three transactions using code ‘3FREE’


0-1 Day




WorldRemit is a digital money transfer service that aims to make remittances easy, fast and reliable for all their Indian-Australian users.

With a huge bank network across India, WorldRemit appears to be a good choice for anyone looking to easily transfer money to Indian bank accounts.

As with most of the brands we tested in sending money to India, WorldRemit offered very quick services, with the funds having been processed and delivered within 30 minutes.

However, they are not the cheapest option compared to other brands, and do not offer cash pick-up services in India. Check out the full review below.


Brand Story

    • Brand mission: Taking something complicated and making it simple
    • Ismael Ahmed, a migrant from Somaliland, struggled with sending money to his family and friends so founded the company to make the process a lot easier
    • Backed by investors who also work with FB, Spotify, Netflix
    • First UK Fintech to integrate with WhatsApp Business
    • Supports various external charities and fundraising efforts, such as raising money for the Kerala Floods in 2018


User Experience

    • Transparency with fees and amount received, before and after sign-up
    • Receive country is easy to find, but user is unable to type their country in to find it
    • Contact us and help pages available
    • App download is not obvious until further down the page – not everyone may scroll this far
    • Language is easy-to-understand
    • No Indian languages available
    • Website is modern and easy to navigate


Community Interactions & Incentives

    • No fees on first three transfers when code ‘3FREE’ is applied when finalising transactions
    • $35 AUD awarded to both old and new customers for referrals
    • Indian community stories on blog page
    • WorldRemit invests in the community by sponsoring local events

SCORE 17.1

Sender Experience

    • Very easy sign-up
      • Only requires full name, email address and password
    • Clear to scroll through the Indian page and see the receive options
    • Website is transparent with fees, exchange rate and amount received
    • Sender can gain a clear understanding of how long transfer will take depending on transfer option chosen
    • App is available
    • Sender can pay easily by linking a credit or debit card
    • Notifications sent at each stage – money sent, money processed, money received
    • Easy to make recurring payments – all previous receiver details remembered
    • Very quick send time to India – transfer was finalised within one day for CulturalPulse tests


Receiver Experience

    • Notifications at each stage – money sent along with how much money will be received, money processed, money received
    • Notifications can be attained through SMS or WhatsApp messages
    • Wide network reach with the ability to send to all banks in India
      • Cash pick-up not available
    • 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: $3.99 (for transactions $5000 or less)
    • Exchange rate: 1.00 AUD = 49.35866 INR
    • Amount received: $1000 AUD = 49358.70 INR

SCORE 11.4

Customer Service

    • Facebook response time: Typically a few hours
    • Contact available on website – Contact forms, direct phone numbers and emails available
    • Friendly customer service agents over the phone, no hold time
    • Many negative social media comments (Facebook), but WorldRemit appears to respond to many of them


Safety & Security

    • ASIC and AUSTRAC registered

SCORE 4.04

Indian Community Panel Reviews

  • TrustPilot: 9.2/10
  • Google Reviews: 4.7/5
  • Overall App Store Average: 9.3/10
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