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Best international money transfer apps

Send money overseas with these top-rated mobile money transfer apps.

Mobile money transfer apps make sending money internationally convenient, but which app is the best? Depending on where you're sending money and how fast you need it to arrive, you may find what you need in these highly rated apps.

We looked not only at customer reviews on both the Apple App and Google Play stores, but also took into consideration the features of each of the services.

1. Remitly

With the Remitly app, you'll be given an exact date and time for when your money will be available for your recipient. If you aren't 100% satisfied with your transfer, Remitly promises to refund your fees. Learn more about this and other features before downloading the app to make sure it's the right fit for you.

Remitly app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • Cash pickup available
      • No minimum transfer
      • Large range of destinations
      • Funds can be received through mobile money

Cons

      • Limit on how much you can send
      • Fees change depending on the speed of your transfer
      • Requires government-issued ID
Data from July 21, 2023Apple StoreGoogle Play
Rating4.84.8
# of reviews89,900660,000

Calculate your transfer with Remitly

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Remitly
Within minutes
From $0
See terms and conditions for more information.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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2. Wise

Send payments to friends, family and businesses in 80 countries with the Wise app. It includes a calculator you can use to get exchange rates and fees for specific transfers and offers an easy way to upload a photo of any personal ID needed to get started with Wise.

Wise app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • No minimum transfer amount
      • Uses the mid-market rate
      • Transparent with fees
      • Can pay with Apple Pay (although paying by card incurs higher fees)

Cons

      • No cash pickup
      • Requires ID verification
Data from July 21, 2023Apple StoreGoogle Play
Rating4.74.7
# of reviews14,900471,000

Calculate your transfer with Wise

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
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3. OFX

With OFX's mobile app, send money transfers of $250 or more to 195 countries worldwide. You can also use the app to register for an OFX account, monitor current and historical exchange rates, track your transfers and set rate alerts. Transactions are free, but OFX takes a slight margin on currency exchange rates.

OFX app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • Can monitor current and historical exchange rates
      • Track your transfers
      • Set rate alerts
      • Fee free for transfers over $10,000
      • Better exchange rates than banks

Cons

      • Transfers must be above $250
      • Doesn't accept credit card or cash as payment
      • App only available in English
Data from July 21, 2023Apple StoreGoogle Play
Rating4.84.5
# of reviews4,0003,660

Calculate your transfer with OFX

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 50+ currencies.
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4. WorldRemit

With the WorldRemit app, you can send money to more than 130 countries for bank deposit, mobile airtime top-up and even cash pickup. WorldRemit has no minimum transfer amount, but its maximums vary depending on the destination country. Learn more about WorldRemit before downloading the app to make sure it's the right fit for you.

WorldRemit app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • Cash pickup available
      • No minimum transfer
      • Large range of destinations
      • Competitive exchange rates
      • Funds can be received through mobile money

Cons

      • Limit on how much you can send
      • Fees change depending on the amount you transfer
      • Not as many extra features as other money transfer apps
Data from July 21, 2023Apple StoreGoogle Play
Rating4.84.6
# of reviews‎‎‎81,200177,000

Calculate your transfer with WorldRemit

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
WorldRemit
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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5. Western Union

Use Western Union's Money Transfer app to transfer funds to more than 200 countries and territories around the world. You'll also gain access to a map of worldwide agent locations and their directions and hours for cash pickups.

Western Union app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • Almost-instant transfers to cash pickup
      • Can pay with bank transfer, cash, card or Apple Pay
      • Transfers to many currencies

Cons

      • Less competitive exchange rates
      • Transfer fees to some countries can be significant
Data from July 21, 2023Apple StoreGoogle Play
Rating4.54.1
# of reviews20,70020,200

Calculate your transfer with Western Union

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Western Union
Within minutes
From $0
Western Union sends money online to friends and family in 200+ countries around the world.
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6. Xe Money Transfer

The Xe Money Transfer app lets you exchange money at a more competitive exchange rate than you'd find at the bank and makes tracking multiple exchange rates a breeze. It also offers low fees and low minimum transfer amounts.

Xe app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

      • No fees for amounts above $500
      • High sending limit
      • Set custom currency pair alerts
      • Send money to more than 130 countries.

Cons

      • Doesn't use mid-market rate
      • Limited cash pickup options
      • Slow transfer speeds
Data from July 21, 2023Apple StoreGoogle Play
Rating4.32.9
# of reviews5,300113,000

Calculate your transfer with Xe

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Xe Money Transfers
Within minutes
$0
Xe has fast transfers with low fees and a range of foreign currency tools.
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How can I compare money transfer services?

A key factor in choosing an app is the service behind it. Compare these features before making your decision.

exchange rates icon

Exchange rates

Different providers will offer you different exchange rates. It's generally not the one you'll see on Google or Xe — otherwise known as the mid-market rate. To make a profit, transfer services add on a margin to the exchange rate to cover their own fees. Always compare providers with the knowledge that a provider may have no fees, but a bad exchange rate.

Money transfer fees icon

Fees

Providers charge fees in either flat rates, percentages or not at all. These fees can also change depending on what you're sending and how you're sending it. For example, larger transfers are generally cheaper, while money transfers using your credit card can incur higher fees.

Money transfer speed icon

Speed

Sometimes you need to get money to someone fast. Some providers specialise in cash pickup, which means your recipient can pick up the money you send almost instantly. This does come at a higher price, however. If you're not worried about timing, most providers take anywhere between one and four days to deliver the money at a much lower fee.

Bottom line

If you want to send cash on the go, a money transfer app may be for you. Always compare the exchange rates, transfer fees and other details of money transfer specialists to ensure you get the best deal for your needs.

Frequently asked questions

More guides on Finder

International Money Transfer Offers

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