Every quarter when your RSUs vest and you sell, 2–4% disappears into FX conversion fees you never asked for. On $50K/year, that's $1,500+ gone — automatically, silently, every single year. It doesn't have to be this way.
We're going to walk through a single year for someone vesting $50,000 annually at a FAANG company in India.
RSUs vest → $50,000 in your E*Trade account
You sell and bring money to India → bank converts at 2–4% markup
Quarterly dividends → each one converted to INR automatically
International trip → your INR gets converted back to foreign currency
Rupee depreciates another 3–4% against USD over the year
Total annual cost of doing nothing
−$3,800+
With a Borderless Account, every one of these costs drops to $0.
A combined brokerage and multi-currency account that keeps your RSU wealth in the dollar ecosystem from the moment you sell to the moment you spend.
Sell RSUs → dollars stay as dollars. Convert to INR only when you choose.
Move from concentrated stock to US ETFs, index funds, bonds. No conversion penalty.
Visa card with zero FX markup. Travel, subscriptions, shopping — all from your dollar balance.
When you do convert, get near mid-market rates — not your bank's 2–4% markup.
Here's the cumulative cost of forced conversion over a FAANG career, on $50K annual vesting:
Open your account in 10 minutes. Stop the leak from your next vesting cycle.
Digital application. No branch visits. No paperwork mailed.
PAN, Aadhaar, passport. 10 minutes.
Everything digital, through the app.
Transfer stocks, spend globally, stop the conversion leak.
Indian tech professionals who stopped the conversion leak.
"I had no idea I was losing 2-3% on every RSU sale. I just assumed my broker was giving me a fair rate. When I actually calculated it, I had lost over $4,000 in the last two years alone. Borderless was the first product that made this problem visible — and then fixed it."
Senior Engineer
US tech company, Bangalore
"Each vesting cycle used to feel like a lottery — sell, convert, watch the number shrink a little. Now my proceeds land in my Borderless account in dollars. I convert to INR when I actually need to, not automatically. It's a completely different experience."
Engineering Manager
US tech company, Hyderabad
"The Visa card is what got me started but the brokerage is what made me stay. I moved my E*Trade holdings over, reinvested in ETFs, and now my dividends go directly into my multi-currency account. Nothing gets force-converted. I'm finally in control."
Staff Engineer
US tech company, Pune
Everything you need to know about transfers, timing, and how your RSUs are handled.
10 minutes. One account. Your dollar wealth, intact.
Open Your Borderless Account →