Move money across borders in seconds, not days.
Rupiyo is the modern remittance platform — transparent fees, live mid-market rates across 10 currencies, and a virtual card you can spend anywhere.
2M+
Active users
180+
Countries
< 10s
Avg transfer
Features
Everything you need to move money, nothing you don't.
Rupiyo replaces five banking apps with one. Send, hold, spend and track money across currencies — all from a single polished dashboard.
Instant transfers
Transfers complete in under ten seconds. No more three-day bank waits.
10 currencies, 180 countries
Send USD, EUR, GBP, INR, JPY, AED, CAD, AUD, SGD and PHP across the globe.
Mid-market rates
Live FX rates with zero hidden spread. What you see is what you pay.
Virtual Rupiyo Card
Every account comes with a virtual card you can spend anywhere online.
Multi-currency wallet
Hold balances in any supported currency and switch between them instantly.
Compliant KYC
Regulator-grade identity verification — PAN, Aadhar, passport and live selfie.
Save recipients
One-tap sending with saved beneficiaries. No re-entering bank details.
End-to-end encryption
Every transaction is encrypted in transit and at rest. argon2 password hashing.
How it works
From signup to sent — in three steps.
The whole flow takes less than five minutes. Most of it is the KYC.
Create your account
Sign up in under a minute with just your email and name. Your virtual Rupiyo card is issued instantly.
Verify your identity
A quick five-step KYC with PAN, Aadhar, bank info and a live selfie. Usually cleared within hours.
Send money anywhere
Pick a beneficiary, enter the amount, confirm. Funds arrive in the recipient wallet in seconds.
Rupiyo
Virtual Card
Holder
YOUR NAME
Expires
12/29
Rupiyo Card
A card that moves at the speed of your money.
Every Rupiyo account comes with a virtual card. No plastic waiting in the mail, no activation hassle — just instant spending power tied to your multi-currency balance.
- Issued instantly with every account
- Spend in 10 currencies, online or tap to pay
- Freeze, unfreeze or rotate your card in one tap
- No monthly fees, no foreign transaction charges
- Syncs automatically with your Rupiyo wallet balance
Currencies
Ten live currencies. One unified wallet.
Hold, send and spend in any of these — with live mid-market rates between every pair.
USD
US Dollar
EUR
Euro
GBP
British Pound
INR
Indian Rupee
JPY
Japanese Yen
AED
UAE Dirham
CAD
Canadian Dollar
AUD
Australian Dollar
SGD
Singapore Dollar
PHP
Philippine Peso
2M+
Active users globally
$8B+
Transferred on Rupiyo
180+
Countries supported
99.99%
Uptime SLA
< 10s
Median transfer time
4.9★
App Store rating
Loved worldwide
Built for people who move money for a living.
Founders, consultants, remote workers and finance teams in 180+ countries trust Rupiyo.
“I moved $25K from London to Mumbai in eleven seconds. My bank quoted three days and a 2.8% markup. Rupiyo is unreal.”
Priya Sharma
Founder, Kindred Studio
“The virtual card is a game changer. I pay my overseas contractors directly from my wallet — no reloading, no conversions.”
Marcus Chen
CTO, LateralFlow
“Every other platform hides the FX spread. Rupiyo shows you the mid-market rate exactly. That transparency is why I moved our payroll here.”
Ana Lopez
Head of Finance, Orbital
“KYC was five steps and took me under four minutes. I was sending money the same afternoon.”
Daniel Okafor
Independent consultant
“Best exchange rates I've seen, period. I tested five platforms on the same day — Rupiyo won every corridor.”
Sakura Tanaka
Portfolio manager
“The dashboard looks like it was designed by someone who actually uses it. My parents figured it out in two minutes.”
James Whitaker
Tech lead, Silverline
Transparent pricing
One flat fee. No hidden spreads. Ever.
Rupiyo charges a flat 0.5% transfer fee with a minimum of $1 — and nothing else. See how we compare.
Security
We secure your money like a bank — we just move it like a message.
Rupiyo is built on the same cryptographic primitives major custodians use. Security isn't a feature here — it's the foundation.
Encrypted in transit and at rest
Every byte you send is encrypted with TLS 1.3 and AES-256. Your data lives inside an EU/US data perimeter.
argon2id password hashing
We never store your password — only a memory-hard argon2id hash. Industry best practice, well above bcrypt.
Bank-grade KYC
PAN, Aadhar, passport and live-selfie verification. We screen every submission before a single transfer clears.
24/7 fraud monitoring
Every transaction passes through our anomaly detection pipeline. Suspicious flows are held automatically.
FAQ
Questions, answered.
Still not sure? Our team responds to every message in under an hour.
Most transfers settle in under ten seconds. Everything happens inside Rupiyo — we never touch the slow SWIFT or correspondent-bank networks. You get a live status timeline on every transfer and a push notification the moment funds land.
A flat 0.5% fee on the amount sent, with a minimum of $1 (or the local equivalent). There is no monthly subscription, no card issuance fee, no FX markup — ever. What you see quoted in the app is exactly what leaves your wallet.
Today we support USD, EUR, GBP, INR, JPY, AED, CAD, AUD, SGD and PHP. You can hold balances in any of these and send between any pair. We add 2–3 new corridors every quarter.
Your funds are held in segregated accounts separate from Rupiyo operating capital. We use bank-grade encryption (TLS 1.3, AES-256) and argon2id password hashing. Every transfer is screened by our automated fraud system before it clears.
Yes — it takes about four minutes. You upload a photo of your PAN card, enter your Aadhar number, add a bank account, and take a live selfie. Most KYCs clear automatically; a few need manual review, usually within a few hours.
The Rupiyo virtual card works on any platform that accepts card payments online. You can freeze, unfreeze or rotate it instantly from your dashboard. Physical cards for in-store purchases are on our 2026 roadmap.
Yes. During KYC you choose "Business" as your account type. You get payroll batch transfers, multi-user access, and exportable statements. Contact us for enterprise-scale arrangements.
Most transfers settle within seconds, so cancellation windows are very short. If a transfer is still in the Processing state, contact support immediately and we will attempt to recall it.
Start sending money at the speed of the internet.
No monthly fees. No minimums. Your first transfer is on us.
Takes less than 60 seconds · No credit card required