Last month
| Mid-market | Day |
|---|
Last 90 days
Mid-market (interbank) reference rate. This is the rate banks and transfer services quote against — it is not a rate you can transact at, and every provider adds a margin to it.
What did your last transfer cost?
Enter what left your account and what arrived. You get the rate you actually got, the mid-market rate that day, and what the gap cost you — fee and margin together.
Typical provider margins
Operator-reviewed figures, each stamped with the date it was last checked. These are typical margins, not live quotes — always confirm the exact rate in the provider's own app before you send.
| Provider | Note | Typical margin | Reviewed |
|---|
Why the rate you get is never this one
Every provider builds its fee into the exchange rate as well as (or instead of) a visible charge. A transfer advertised as "zero fees" is usually one where the whole margin sits in the rate, which is why comparing advertised fees tells you almost nothing.
The only comparison that means anything: take what actually landed in the destination account, divide by what left yours, and compare that to the mid-market rate on the day you sent it — the number above, historically. Everything else is marketing.
For one transfer, the transfer cost calculator does that arithmetic in ten seconds. For all of them, the Receipt reads a bank export, finds your transfers automatically and prices each one against the mid-market rate for its day.
Sending money to India from the US
The arithmetic is the same on every corridor: what landed in rupees, divided by the dollars that left, against the mid-market rate on the day you sent it. On a monthly transfer the gap is a monthly cost, and it rarely shows on either statement as a fee.
If the rupees land in an NRE or NRO account, no budgeting app can sync it: India's Account Aggregator framework does not reach NRI accounts. Orbiq reads the statement instead — CSV, OFX, PDF or a screenshot — and keeps the account in INR alongside your dollars.
Track every transfer automatically. Orbiq keeps both your countries in one ledger and prices every transfer against the mid-market rate on its own day.