How we rank

The grey “Bank Transfer” row at the bottom of each table is not a live quote from a specific bank. It is a reference point, calculated from the live mid-market rate using a typical retail markup and a typical wire fee for that corridor.

We include it because the honest comparison for most people is not “which app is best” but “is any of this better than what my bank does”. The answer is usually yes, by a lot, and the size of that gap is the most useful number on the page.

It is clearly labelled, always sorts last, and never carries an affiliate link — we make nothing from it. Each benchmark is stored with the date it was set and refreshed weekly from the live mid-market rate, so it tracks the market without being a number we picked once and left there. The current figures, and when each was last updated, are in the table under how we count savings. If your own bank does better than the benchmark, good; the row is a typical case, not a worst case.

We started counting on 1 September 2026. Since then the total is ₨ 3,98,323 (4 lakh), which is the sum of every row in the ledger described below — not a projection from a sample, and not a figure anyone types in.

A row is written at one moment only: when someone clicks through from a comparison table to a provider. We take the amount they entered, the provider’s rate and fee at that second, and the bank benchmark for that corridor and rail, and store the difference. If the rate moves a minute later the stored row does not follow it.

Nothing is backfilled or estimated. Where a corridor has no benchmark we still record the click, with the saving left empty, and that row is excluded from the total rather than filled in with a default.

Not a quote from any specific bank. Each figure below is the mid-market rate for that corridor less a typical retail markup, plus a typical wire fee, refreshed weekly. Where we have a real quote from a named bank we enter it by hand, which pins the row and takes it out of the weekly refresh.

We count clicks, not confirmed transfers. We know someone left for a provider with a given amount in the box. We do not know whether they completed the transfer, changed the amount on the provider’s own site, or abandoned it. Nobody sends us that information, and we would rather say so than imply an accuracy we do not have.

The benchmark is indicative. It is a reasonable stand-in for a high-street bank, not a measurement of the one you use. If your bank is better than the benchmark, the saving on your transfer was smaller than the row we recorded.

It is avoided cost, not money in an account. The figure estimates what these transfers would have cost through a typical bank instead. It is not audited, and it is not a claim about anyone’s balance.