Why Panda Money Is the Smarter Choice for NRIs in the U.S.—A Head-to-Head Comparison.

Panda AI

August 25, 2025

When it comes to sending money to India, Non-Resident Indians (NRIs) in the U.S. have a lot of options—but are they really getting the best deal?

Most platforms promise “low fees” or “great rates,” but scratch beneath the surface, and the fine print tells a different story. That’s where Panda Money stands out.

In this blog, we break down how Panda Money compares to popular U.S.-based remittance platforms—like Remitly, Xoom, Wise, and traditional banks—across the most important metrics.

The Real Comparison: Panda vs. the Rest

Feature	Panda Money	Remitly	Xoom	Wise	Banks
FX Rate	Google FX (Live)	Marked-up rate	Marked-up rate	Competitive	Marked-down
Transfer Fee	₹0 Hidden Fees	$2.99–$3.99+	$3–$5+	Varies	$10–$40
Speed	Instant	1–3 Days	Minutes–2 Days	1–2 Days	2–5 Days
Security	Blockchain Secure	Bank-level	Bank-level	Bank-level	Bank-level
Transparency	100% Clear	Medium	Low	High	Low
Bonus for Users	₹1 Extra per $	None	None	None	None
Social Impact	A Percentage of Platform Fee Donated	No	No	No	No

Why This Matters for You

Let’s break it down:

FX Rate Transparency: Unlike others who tweak rates behind the scenes, Panda uses Google FX—what you see is what you get.
No Hidden Fees: We don’t take extra from the amount your loved ones receive.
Faster Than Fast: With our crypto-backed rails, funds arrive in minutes, not days.
More for Your Family: ₹1 extra per $1 may sound small—but over $5,000, that’s ₹5,000 more in their hands.
Impact with Every Transfer: A part of our platform fee goes straight to NGOs in India, helping communities grow while you support yours.

Who Should Switch to Panda Money?

✅ NRIs tired of confusing fees
✅ Anyone sending regular amounts to family in India
✅ Professionals looking for fairer, faster global banking
✅ Students paying tuition or loans back home

If you’ve used other platforms and felt like your money didn’t go the distance—it’s time to experience a better way.

Final Word

Your money works hard for you—why shouldn’t it work hard for your family too?

Panda Money is built for NRIs by people who understand the pain of hidden fees, slow transfers, and bad exchange rates. We’re building the world’s most transparent, instant, and community-conscious money movement network.

We’re live in USA → India, and expanding to 100+ countries soon.