Planning · Phase 2
Remittance True-Cost
"Zero fees" rarely means free — most providers hide their cut in a worse exchange rate, so the no-fee option can leave your family with less. The only honest comparison is how much actually lands. Put in the rate and fee each provider quotes you today, and see who really wins.
| Provider | They receive | Real cost |
|---|---|---|
| App (e.g. Wise/Botim)Best | INR 113,000 | AED 22 · 0.4% |
| Exchange house | INR 112,163 | AED 59 · 1.2% |
| Bank transfer | INR 109,890 | AED 159 · 3.2% |
Same AED 5,000 sent, but your family receives INR 3,110 more through App (e.g. Wise/Botim) than through the worst option here. Over a year of monthly transfers, that gap compounds into real money — always compare the amount received, never the fee.
Basis: Live provider rates aren't publicly available, so enter the rate and fee each provider quotes you (apps and exchange houses show this before you confirm). The "real cost" is fee plus the margin versus the mid-market rate. Rates move constantly — refresh the mid-market figure each time. Education, not financial advice.