[toomuchtodo]

Have you tried TransferWise? I just tested in app, and they’ll convert $1000 USD to INR for $9 USD immediately.

I have their Borderless account and hold balances in several currencies at once, with access using a debit card, wires, ACH (US), SWIFT (EU) etc. Highly recommend!

[polyakoff]

There is plenty of services like this nowadays. I recall TrensferGO and Revolut. There is even a service for fees comparison amongst those services, developed be hackernews fellow reader: https://news.ycombinator.com/item?id=20819538

[toomuchtodo]

Excellent resource!