Transfer INR from Indian bank to US Bank in USD currency

[sumsin]

As an NRI, I have an NRE/NRO a/c with an Indian bank. This is all after-tax money
Want to transfer some of my INR money to my US bank a/c in USD currency.

I see a number of Indian agencies online like extravelmoney and transferwise that are transferring INR to US banks. They all have offices thruout
India. Are they reliable? Does the US bank charge additional fee beyond the Indian agency fee for receiving USD from an Indian agency?

Does anyone have any insight into it? Have you used this kind of services? Any recommendations?
Please advise.

[dbs]

.....? Does the US bank charge additional fee beyond the Indian agency fee for receiving USD from an Indian agency?.....

I do not know much about usa, in fact nothing at all.

I have a bank account in usa. Several years back, I had got a us$ from the UK transfer to my bank account in usa. They had charged a heavy amount for this transfer. After that I would take us$ currency from the UK and deposit that n my bank account to avoid that charge.

Similarly a few years back, I had used the debit card for the usa bank at a duty free outside usa. In addition to the shop charge (in us$) they had charged me a foreign usage charge. After that I pay with my UK credit card or cash us$ outside usa.

Noe this is with respect to UK banks; so I do not know how they will react to an Indian bank.
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Why do banks charge a fee on 'insufficient funds' when they know there is not enough money?

[wd40]

Money from NRI account is very different from NRO account. I think simplest will be using a bank to do the transfer as you will need documentation.

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