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Best International Money Transfer Apps

Best International Money Transfer Apps
Best International Money Transfer Apps

Looking for the Best International Money Transfer Apps in 2024? You’re on the right page.

In order to support relatives overseas, conduct international business transactions, or handle personal finances abroad, you need to send money overseas. It used to be necessary to visit a bank physically, credit union, or another financial institution in order to transfer money abroad. The solution is now simpler than ever: Best International Money Transfer Apps.

Your chosen tool should take into account the currencies involved, fees, speed, and additional features.

This guide will help you find the Best International Money Transfer Apps for your needs by reviewing their features, costs, and processing time.

Let’s get started.

What Are Best International Money Transfer Apps?

The process of transferring money took nearly an eternity. It was a difficult journey that often took months and centuries for civilizations to transport money via boats and horses. The Industrial Revolution was a turning point in the development of society. 

Telegraphs were invented in the mid-19th century, making electronic wire transfers possible. The process of transfer was still quite slow, however, despite these advancements. The transfer of money, even in the 1980s, was cumbersome, time-consuming, and unreliable. 

A new era in finance began with the advent of the Internet. The ability to transfer money via smartphone today takes a matter of minutes, and the money can be delivered all over the world within days. Best International Money Transfer Apps have removed the need to visit brick-and-mortar banks, putting global financial services at our fingertips. 

Through Best International Money Transfer Apps, you can send and receive money from and to individuals and institutions via your mobile device. Best International Money Transfer Apps are sometimes called peer-to-peer (P2P) apps.

How Does Best International Money Transfer Apps Work?

The majority of Best International Money Transfer Apps exist on the market and work quite similarly. The process of transferring funds with a money transfer app involves linking a payment method (such as a credit card, debit card, or bank account) and creating a user profile. The majority of Best International Money Transfer Apps offer the same basic service, but some are better suited to certain circumstances than others. 

The main purpose of the Best International Money Transfer Apps, such as Wise, is to facilitate social interactions. Consider getting dinner with your friends downtown. All of your friends reach for their wallets when the check arrives, but one of them says, “I got it!” You just need to Venmo me”. With a money transfer app like Venmo, you can instantly send the cost of your meal to your friend. 

But here’s the catch: while an app like Wise works great in domestic circumstances, it’s not supported internationally, so you’ll need to look elsewhere for ways to support your loved ones abroad. 

For example, let’s say you want to send money overseas for your cousin’s birthday. In this case, you would need to use a specially designed international money transfer app that provides great exchange rates on a secure, reliable platform. 

After all, you’re sending money to a separate country with a different currency. You need to make sure the money arrives safe and sound. That’s exactly why customers around the world prefer the uLink app. 

uLink not only provides competitive exchange rates (and a secure platform) but also provides the option for cash pickup, account deposit, and e-wallets to 67 countries and counting. Plus, in select countries, uLink even makes home delivery possible. That’s if you really want to go the extra mile. 

Are Money Transfer Apps Secure?

The digital age is rife with scams, fraud, and theft. Generally speaking, it’s wise to regard any online financial transaction with a healthy dose of skepticism. 

While this tip may seem obvious, always make sure you know your receiver and only send money to your closest acquaintances. By limiting the amount of people to whom you transfer money, you will significantly reduce the possibility of fraud. 

To protect your money, all transactions are backed by Grupo Financiero Banorte, one of the largest and most trusted banks in Mexico and Latin America. 

Top Best International Money Transfer Apps In 2024

There are several Best International Money Transfer Apps, some of which are given below:


wise formerly transferwise
Wise formerly transferwise

Wise, previously known as TransferWise, is one of the Best International Money Transfer Apps that enable both personal and business users to send and receive money internationally, check exchange rates, and manage bills from any location. 

Wise is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money and boasts a network of over 70 global partners, including major banks and fintech companies like Monzo and Google Pay. 

Wise Top Features

  • Direct debit (ACH), debit or credit card, Apple Pay, Google Pay, wire transfer
  • Receive the amount in your Wise account or bank account.
  • A few seconds to 2 business days 
  • Vary depending on currencies. For personal accounts, you can send up to 50,000 USD per 24 hours using debit and 2,000 USD per 24 hours using cards. Refer to Wise’s sending money information page for details. 
  • Access 40 currencies in over 70 countries through local rails and reach 160+ countries using the SWIFT network.
  • Obtain bank account details in 9 currencies 
  • Monitor currency exchange rates
  • Track historical changes in exchange rates and compare currencies
  • Activate exchange rate alerts
  • Receive real-time notifications on exchange rates
  • Effortless recurring transfers
  • Repeat previous transfers
  • Open a multi-currency account


Over 3 million people use Monzo to spend and send within the U.K. – choosing the app-based bank as an innovative alternative to traditional U.K. banking. You can also send money overseas, as Monzo has partnered with Wise to offer international money transfer services. This means the same low fees, the ‘real’ exchange rate, and quick, reliable payments – all without leaving the Monzo app.

Monz Top Features

  • Send money to 35 currencies, including EUR and USD.
  • Low, transparent transfer fees with no hidden costs.
  • Send money using the mid-market ‘real’ exchange rate.

Monzo offers a great, convenient way to integrate international payments with your everyday banking. It’s all done through one app, available to download for iOS and Android. Best of all, you’ll also win on cost. It’ll cost you just the same as using Wise directly, and there’s no hidden markup markup, as you may find with other providers.

Western Union Uk

Western Union is a specialist in money transfers, and they now have a handy app you can use to send money overseas. You can send money to over 200 countries and territories worldwide through a straightforward, user-friendly transfer process. You can check dedicated websites to help you find a Western Union branch in the U.K.

Western U.K. Top Features

  • Bank account, in-app Apple Pay, credit cards, debit cards, and pay in cash from over 57,000 Western Union® U.S. agent locations.
  • Bank account, cash pickup, digital wallet (for some locations)
  • Get money in minutes for Agent location and Mobile Money Transfer, the next day for Agent pickup, and 2 to 5 business days for direct bank deposit. These are estimates and may vary by the country.
  •  Amounts exceeding 3,000 USD from the United States require identity verification. Upon verification, you can send up to 50,000 USD. Additional sending limits may differ based on the destination country and the selected service.
  • Send money to over 200 countries and territories
  • Check real-time exchange rates instantly on the app
  • Save recipient details for quick repeat transfers
  • Easily track transfers and receive instant notifications.
  • Pay bills anytime, anywhere, using the Western Union app.


OFX has been in the foreign exchange business for over 20 years and has served over 1 million customers. The OFX system allows you to send money to more than 170 countries in over 50 currencies around the world.

The OFX fee is AUD 15 if you send less than AUD 10,000, but you can avoid it. The first ten money transfers from RemitFinder are free with OFX – you can save up to AUD 150! The ability to send money overseas is another significant advantage of using OFX. Investing in businesses, purchasing property overseas, or making investments overseas makes OFX a great choice.

OFX Top Features

  • Payment options include local methods of payment in some countries, as well as many flexible options for transferring funds.
  • Taking advantage of promotions can help you avoid fees, but exchange rates are competitive.
  • OFX is a great choice for large transfers since there are no transfer limits
  • ATO and Inland Revenue Department (IRD) direct tax payments are available
  • Protect your money and information with a strong focus on security
  • Customers like their service based on reviews on Trustpilot and mobile app stores.
  • Forward contracts and limit orders offer more flexibility for money transfers.


You can send money to family members in other countries with Remitly by paying no upfront fees. It is possible to send funds directly to their bank account or mobile wallet, allow for a cash pickup, or even send them a check at home. 

It is possible to initiate transfers with Remitly through its mobile app or by signing up online. A transfer fee depends on the method of funding, the recipient’s location, the amount being transferred, the speed of the transfer, and how the recipient wants to receive the funds. The most cost-effective option in most cases is to use a debit or credit card, with economy fees starting at just $1.99 and express fees at just $2.99.

Remitly Top Features

  • You can pay via bank transfer, credit card, debit card, Apple Pay, and Google Pay. Depending on the country, payment options may vary.
  • Bank transfer, cash pickup, mobile wallet, home delivery methods  
  • Express shipping takes about 4 hours, while economical shipping takes around 3-5 days
  • Location-based transaction limits apply. There are daily limits of USD 2,999, monthly caps of USD 10,000, and a maximum limit of USD 18,000 for six months. Sending limits can be increased up to USD 10,000 per 24 hours by providing additional information as indicated on Remitly’s sending limits page.
  • You can send money in 75 currencies to more than 150 countries.

Xe Money Transfer

More than 130 countries are now able to seamlessly transfer money in 98 currencies through XE. A veteran of the currency exchange business, XE knows foreign exchange like no one else.

The service is excellent, and the fees they charge are extremely low; you pay no fees for larger transfers. The United States, for example, charges a USD 3 fixed fee for transfers between USD 500 and above.

Consumers who want to save money on their transfers can also benefit from XE’s lower exchange rate margins than those offered by banks.

One of the biggest advantages of XE is that there are no transfer limits. A single transaction can send any amount you want. Sending higher amounts overseas is convenient with their great rates and low fees.

Key Features of Xe Money Transfer

  • In 98 different currencies, you can send money to over 130 countries worldwide.
  • The exchange rate is good, and the fees are extremely low (0 fees for sending above the low minimum thresholds)
  • XE is a great choice for sending large amounts overseas because it has no transfer limits.
  • The company specializes in sending money overseas quickly; your money can reach overseas within minutes sometimes or within 1-4 business days in most cases.
  • A new feature of the XE mobile app is the ability to pick up cash
  • Global currency charts with historical data
  • Receive rate alerts when rates change


Over 130 countries can be accessed through Xoom’s international money transfer service. The Xoom international transfer service is fast, secure, and backed by PayPal. The benefit is that you’ll get PayPal-level security, as well as the ability to use PayPal-linked bank accounts or credit cards, but unfortunately, you won’t get the PayPal balance. Transaction fees are charged for all payments, but the amount isn’t disclosed until just before you make a payment. A markup may apply depending on where you’re sending money from and to.4 You can download the Xoom app from the App Store or Google Play.

Xoom Top Features

  • PayPal balance, bank account, debit card, and mobile wallet are all options for payment.
  • Cash for pickup, cash delivered, bank account, debit cards
  • Cash pickup and debit card deposits take minutes, and bank deposits take a few days 
  • Depending on the sender’s country, transaction limits vary. Residents of the United States can send USD 2,999 per 24 hours, for example. In response to this Xoom sending limits FAQ, additional information can be provided to increase these limits to 10,000 USD within 24 hours 
  • International bills to be paid 
  • A global top-up service for prepaid mobile phones


You can send money in over 60 currencies using Azimo, an international money transfer service. Money is transferred quickly and securely with Azimo’s app.

Azimo’s fees are pretty low, it offers a great introductory offer, and it has over one million users. Although Azimo doesn’t offer the mid-market exchange rate, they will give you an indication of what the exchange rate is before processing the transfer.6 Azimo’s app is free to download.

Azimo Key Features

  • There are over 195 countries where you can send your package.
  • You’ll pay reasonable fees depending on where you’re sending.
  • The first two transfers for new customers are free.
  • You will receive regular updates on the status of your transaction.


Over 140 nations can be reached with WorldRemit, which has been operating for more than ten years.

This corporation has offices in the following countries: the United States, the United Kingdom, Canada, Australia, New Zealand, South Africa, Singapore, the Philippines, Japan, Nigeria, and Cameroon.

Globally, WorldRemit employs more than 800 people. Online money transfers to family and friends abroad are made possible by WorldRemit. Money can be sent faster and cheaper with WorldRemit compared to other options. You may want to consider WorldRemit if you regularly send money abroad.

WorldRemit Top Features

  • There are three payment options: bank deposit, debit card, and credit card 
  • It accepts airtime top-ups, bank transfers, mobile money, and cash pickups. 
  • For bank transfers, it could take 1 – 2 working days 
  • WorldRemit’s transaction limits vary based on the destination. WorldRemit allows a maximum of USD 9,000 per transaction from the United States, with a USD 5,000 limit per transaction. The per-transaction limit for Apple Pay is $300. 
  • Over 50 countries to send money to 
  • There are more than 130 countries that receive
  • A total of 70 currencies 
  • Keeping track of transfers 
  • See the history of transfers


A fintech company founded in Singapore in 2014, Instarem has grown in leaps and bounds since then. Nowadays, you can send money to more than 50 countries in over 10 currencies.

The F.X. Markup at Instarem is typically less than 1%, resulting in extremely competitive exchange rates. Their low fees, combined with their low rates, make it an exceptional choice for international money transfers.

Furthermore, Instagram has very high or no sending limits, and it takes a very short time to send a payment. The majority of Instarem money transfers finish instantly, and the remaining ones within four business days. It is, therefore, a good idea to use Instagram if you want to send money abroad quickly.

 Instarem Top Features

  • Money can be sent to more than 50 countries, and new countries keep being added as the company grows.
  • Low, transparent fees and good exchange rates
  • There are high or no limits on sending to various countries
  • Within four business days, most transfers are complete
  • In many countries, local payment methods are supported
  • There are three delivery options: bank deposit, cash pickup, and card transfer
  • Several attractive promotions and coupons are available to RemitFinder users

Alternatives of Best International Money Transfer Apps

The following alternative solutions can be used if you are not satisfied with Best International Money Transfer Apps. Here are some options that might fit your needs.

Virtual Business Accounts

An online financial account for sending and receiving payments is known as a virtual business account, which is typically offered by a virtual bank or neobank. A multi-currency account is often designed to accommodate a variety of currencies. 

It is noteworthy that virtual business accounts have lower fees than traditional ones since they do not have to maintain physical branches. Additionally, these accounts can be quickly set up due to their online nature.

Financial authorities in the country where a virtual business account operates regulate and license it. It is also possible to check if your deposit is protected. It is the responsibility of all virtual banks in the United States to provide information about the coverage provided by the Federal Deposit Insurance Corporation (FDIC) and the amount associated with that coverage.

Traditional Bank 

The international wire transfer is one of the most popular methods of sending money abroad. Based on the services offered by your bank, you can initiate the process in person, online, or by phone.  

In order to complete the transaction, you’ll need to share information about the recipient, including their name, address, account number, IBAN code, and SWIFT code. The amount and currency must also be specified, as well as any fees. 

A wire transfer can take a few days and can cost USD 15 to USD 50, depending on the bank. Your bank will be able to tell you exactly what steps need to be followed and how much it will cost. 

The Cryptocurrency

Money can also be sent internationally through cryptocurrencies. 

The decentralized blockchain technology of cryptocurrency makes it a viable alternative to traditional money transfer methods like Wise, PayPal, and Revolut. 

The decentralization of financial transactions allows faster, often cheaper transactions that do not require traditional banking intermediaries. For international transfers, currency conversion fees are also eliminated. The availability of cryptocurrencies enhances financial inclusion for everyone with an internet connection. 

There are, however, challenges that they must overcome, such as volatility in prices, regulatory uncertainty, and technical complexity. There is also a need for careful security management, particularly when it comes to digital wallet storage and use and the practices of exchanges. 

How To Send Money Through Best International Money Transfer Apps?

How To Send Money Through Best International Money Transfer Apps 1

Depending on the Best International Money Transfer Apps you choose, you’ll take different steps to make a global money transfer. The majority of wire transfer apps require you to register an account and get verified for security before you can use your account. There are some cases where small transfers can be made without verification, but to remain compliant with the law, all Best International Money Transfer Apps will need to complete a verification step at some point.

  • The following is a step-by-step guide on how to send money internationally:
  • You can start using an app right away by choosing one and downloading it
  • Enter your personal information to register an account
  • Your ID and address documents, as well as your Social Security Number, may need to be uploaded
  • Enter your desired amount once your account is verified
  • Find out the fee and rate for the destination currency
  • Follow the prompts to add the recipient’s information
  • Make the payment – usually by bank transfer or credit card – and you’re done

Things To Consider Before Choosing the Best International Money Transfer Apps

Some things should be considered before choosing Best International Money Transfer Apps:

The Cost

The cost of Best International Money Transfer Apps service will always be a major factor for most people. It’s important to consider both the transfer fee and exchange rate when making a transfer.

There may be a markup on the mid-market ‘real’ exchange rate just as much as a transfer fee or even more. If you want to make a comparison, you can always check Google, XE, or Yahoo Finance for the real exchange rate.

The Speed

It is sometimes just as important to know where your money is and when it will arrive as it is to know the price. It is sometimes necessary to send money as quickly as possible. You should look for a delivery service that offers same-day or next-day delivery if your order is urgent.


Apps that facilitate money transfers are so convenient that they’re blissfully convenient. Money can be sent around the world with just a few taps on your mobile device. The recipient will receive their money in just a couple of days, unlike old-fashioned international money orders.

When choosing the Best International Money Transfer Apps, take into account how easy they are to use. The money-to-email feature of some providers allows you to send funds directly to the recipient’s bank account without them having to sign up for the service.

Customer Service

Is there anything you can do if there are any problems with your transfer? There should be a support team you can reach right away if you have any questions. Make sure the company has a fast, helpful customer support team that is well-known and well-reviewed.

You can send money overseas for less than ever now that you have a handy app on your phone. Mobile Best International Money Transfer Apps make it convenient to transfer money between countries with just a few taps. The cost of the app, as well as other important factors, such as speed, must also be considered when choosing an app. Always double-check fees and costs before clicking ‘send’ after researching which provider is best for you.

NOTE: if you want to manage your credit responsibly and transfer balances, you can also apply for Best Balance Transfer Cards for Fair Credit.

Pros and Cons Of Best International Money Transfer Apps

Determine some Pro and Cons of Best International Money Transfer Apps:


You can send money to contacts on your phone or request funds with just a phone number, reducing the need to carry cash or personal checks, with Best International Money Transfer Apps like PayPal and Venmo. 

The app offers multiple funding options for payments and money transfers. It is possible to send money directly from a checking account, a debit card, or a credit card. 

Best International Money Transfer Apps provide quick access to funds rather than waiting for checks to arrive in the mail. It is possible to transfer funds within minutes using some apps for a fee. 


The majority of payments are nearly instant and cannot be canceled or reversed. This feature has been abused by scammers repeatedly to convince unsuspecting people to send money to criminals.

There is the potential for high transaction fees: Fees vary by platform and transaction type, but they can add up, especially if you routinely request instant access to transferred funds or link your accounts to credit cards.

FDIC does not insure funds stored with Best International Money Transfer Apps: If you store your money with a money transfer app, you should know that the FDIC does not provide insurance. Money in your account could be lost if the platform fails.

FAQ Best International Money Transfer Apps

How safe are money transfer apps?

Most Best International Money Transfer Apps are developed by financial technology companies (fintech) with highly encrypted platforms. Several agencies in the U.S. and abroad license and regulate these companies. However, you should only send money to people you know and trust, as your funds are very few (if any) protected once they’ve been sent.

What is the safest international money transfer?

In this article, we have profiled four Best International Money Transfer Apps – Wise, Revolut, Remitly, Western Union, and OFX – that are regulated and safe to use. Keeping your account and password information secret and only sending money to people you know and trust are all common sense precautions you should take.

What are the best international money transfer apps?

Check out OFX, Remitly, Western Union, Revolut, Wise, or XE as a starting point for Best International Money Transfer Apps

Is it safe to use Best International Money Transfer Apps?

The payment providers we’ve highlighted in this review are all licensed and regulated, making them safe.

How do Best International Money Transfer Apps Work?

Creating an account and getting a quote for fees and exchange rates are necessary before you can make payments using Best International Money Transfer Apps. Your money will be transferred to your bank account when you pay with a credit card or bank transfer. Send money to people you know and trust.


There are many International Money Transfer Apps available in the US, and users use them according to their needs. That provides transparent comparisons of providers so you can find the Best International Money Transfer Apps for your needs, regardless of fees or exchange rates.

About the author

Alex Wilkinson

Alex Wilkinson is a seasoned writer who specializes in writing about finance, especially credit cards. Alex Wilkinson understands credit card intricacies, from rewards programs to APRs. He writes engaging and informative content to help readers manage their credit cards.

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