24 Jun 2025
For Indian expats living in the sunny city of France, France, staying connected with loved ones back home means more than just a phone call—it means being able to send financial support efficiently. As digital wallets evolve, the debate between PhonePe vs Paytm remittance comparison becomes even more relevant. This blog will help you compare these popular apps and explore other remittance apps for Indian expats in France to make informed money transfer decisions.
Sending money home is an emotional and financial priority for many Indian immigrants, workers, and international students in France. Traditional banks often involve high fees and slower transfers, which is why more users are shifting to online money transfer to India from France through mobile apps like Paytm and PhonePe.
Digital wallets offer:
These advantages make them some of the best money transfer apps for Indians living abroad.
Paytm, once mainly an e-wallet, now functions like a full financial ecosystem with its banking services and remittance gateway.
Paytm remittance fees vary depending on your method of transfer and partner service. Usually, third-party gateways are used for international transfers.
PhonePe has gained popularity due to its smooth UPI integrations and strong bank partnerships.
PhonePe money transfer to India can be streamlined if you maintain an Indian bank account. However, without native international support, it may not be the best standalone solution.
Since both apps have limitations for cross-border payments, expats in France often explore alternatives.
Here are some top remittance services in France preferred by expats:
These platforms simplify money transfer to India from France without needing complex setup procedures like UPI linking.
Read this guide on UPI for NRIs by the National Payments Corporation of India (NPCI) to understand more about its use abroad.
Living in France gives you access to a variety of digital banking options. Here are steps on how to send money to India from France using mobile-friendly solutions:
Apps like ACE ensure you can send money online to India from France with minimal delays and maximum savings.
Traditional banks may seem secure, but they often come with high fees, poor exchange rates, and slow service.
These perks make them ideal money transfer solutions for expats in France looking to support their families in India.
When it comes to the PhonePe vs Paytm remittance comparison, both platforms are excellent for domestic use in India but fall short for international transfers unless paired with the right banking tools. That’s where platforms like ACE Money Transfer step in—offering a simple, secure, and cost-effective way to send money to India from France.
Whether you’re a student, worker, or business owner, understanding your remittance options is essential for staying connected and financially supportive. Choose the best platform for your needs and enjoy seamless money transfer to India from France.
Apps like ACE Money Transfer, Wise, and Remitly are currently the most efficient options for sending money from France to India.
PhonePe and Paytm do not directly support international transfers. However, you can use them if you maintain an Indian bank account or route through an NRE account.
For domestic Indian transfers, both offer competitive rates. For international transfers, fees depend on the third-party service you use with them.
ACE Money Transfer, Wise, and Western Union offer more direct, regulated, and fast services.
Yes, as long as you use trusted platforms that offer encryption and regulatory compliance. Always verify transaction receipts and keep your credentials secure.
