Xuno Fees: What a Transfer to Nepal Costs
The fee for each delivery speed is shown up front before you confirm a transfer. Fast speeds use the live mid-market rate with a small delivery fee, and Best Deal uses the Bank Rate with zero fees.
How the fee works
Your fee depends on the delivery speed you choose, and slower delivery options are available at lower fees. The exact fee for your amount and speed is displayed in the calculator before you confirm, so you always know what you are paying. You can also compare the final NPR your recipient gets against other providers.
| Delivery option | Delivery time |
|---|---|
| Instant | Delivered within seconds |
| Same Day | Delivered within 24 hours |
| Regular | Delivered within 2 to 3 business days |
| Best Deal | Delivered within 7 to 8 business days |
Delivery dates also depend on bank processing hours, weekends, and public holidays in both the US and Nepal.
The exchange rate
Your rate depends on the delivery speed you choose. Instant, Same Day, and Regular transfers use the live mid-market rate (MMR), the mid-point of the buy and sell rates in the global currency exchange market, often considered the fairest exchange rate because it reflects the real market value of a currency without additional markups. Best Deal transfers are batched over a longer window, which lets Xuno send at the Bank Rate, the highest USD exchange rate set by banks, with zero fees. Whichever speed you pick, your rate is locked the moment you confirm the transfer. You can check the live rate any time with the USD to NPR converter.
Transfer limits
To keep your transfers secure and comply with regulations, Xuno has the following limits: $10,000 per transaction, $30,000 daily, and $75,000 monthly. For larger amounts, Xuno supports large-value transfers up to $500,000.
Your first transfer
New customers often qualify for a welcome rate or fee discount on their first transfer. Sign up to see your offer.
US remittance tax
The 1% US remittance excise tax introduced on January 1, 2026 applies to transfers funded with cash, money orders, or cashier's checks. Transfers funded through a US bank account, including Xuno transfers, are exempt.
Cancellations and refunds
Instant delivery transactions cannot be cancelled or refunded once they are processed. Refunds for other delivery types are only possible if the funds have not yet been delivered to the recipient's bank account. The full policy is on our licenses and regulation page and in our Terms and Conditions.
Fees FAQ
Are there any hidden fees?
No. The fee for each delivery speed is shown up front before you confirm a transfer. Instant, Same Day, and Regular transfers use the mid-market rate with a small delivery fee, and Best Deal uses the Bank Rate with zero fees.
What is MMR?
MMR stands for Mid-Market Rate, the mid-point of the buy and sell rates offered in the global currency exchange market. It is often considered the fairest exchange rate because it reflects the real market value of a currency without additional markups.
What is Bank Rate?
The Bank Rate, often called the Bank's Buying Rate, is the rate used by banks in Nepal when converting USD to NPR for incoming remittances. This rate can differ from the Mid-Market Rate and usually reflects the rate set by banks based on market conditions.
How is the estimated delivery time for my transfer calculated?
Delivery dates are determined by the delivery method you select (Instant, Same Day, Regular or Best Deal) and by bank processing hours, weekends, and public holidays in both the US and Nepal.
What's the cheapest way to send money to Nepal?
Usually a bank-funded digital transfer directly into a Nepali bank account. The key is comparing the final NPR amount your recipient receives rather than just the fee or the headline exchange rate.
Is money sent to family taxed?
No. In Nepal, personal remittances received from abroad are generally not treated as taxable income. In the US, sending money to family is not taxed. However, if you send more than $18,000 per recipient per year (2026 IRS annual gift tax exclusion), you may need to report it to the IRS using Form 709, though tax is usually only due if you exceed your lifetime exemption.