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Compare instant international money transfers

Need to send an overseas money transfer as quickly as possible? Here’s how.

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If you want to send money internationally and have it be available in minutes, using an instant money transfer provider who offers cash pickup is the fastest option — but it's not always the cheapest.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 Same day AUD 3.99 0.701 USD
698
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
AUD 2 1 - 2 days AUD 15.00 0.682 USD
672
Show details
AUD 1 Within an hour AUD 2.99 0.682 USD
680
MoneyGram sends to bank accounts, mobile wallets and cash pick-up locations around the world. Go to site Show details
AUD 1 Same day AUD 20.00 0.679 USD
665
Send money online to friends and family around the world with Western Union. Show details

Compare up to 4 providers

The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.

Largest international money transfer companies to get your money there now

The quickest way to send an international money transfer is with a cash transfer. These transfers allow you to send money that will then be available for collection as cash within as little as 10 minutes.

Some providers also offer the option of transferring funds directly to your recipient’s bank account, but these transactions take longer to complete.

Three of the largest cash transfer providers are:

WorldRemit logo
WorldRemit is an international transfer provider that offers instant transactions of up to $5,000 around the world. With a global base of more than 120 countries, WorldRemit offers fast transfer options, including:
  • Cash pickup. Money is available for collection instantly from WorldRemit agent locations around the world.
  • Bank deposit. Instant transfers are only available to selected banks in selected countries.
  • Airtime top-up. Mobile airtime top-ups are usually added instantly.
  • Mobile money. Funds are added to the recipient's mobile money account instantly.

Read more in our WorldRemit review.

MoneyGram Logo
MoneyGram has an international money transfer network of more than 347,000 agents in over 200 countries, so it also provides significant global coverage when you need to send money overseas. You can send an instant cash transfer in a number of ways:
  • Cash pickup. Money is available at MoneyGram locations around the world.
  • Bank deposit. Be aware that transfer times may vary bank-by-bank.
  • Mobile wallet. Send your MoneyGram transfer to a mobile wallet and the funds are instantly available.

For both online and in person, you can only send up to $10,000 to most countries — though limits can vary. Read our MoneyGram review for more information.

WesternUnion Logo
Western Union has more than 500,000 cash pickup locations in more than 200 countries and territories, making it the world's largest provider of international transfers. There are three ways to send a quick cash transfer with Western Union:
  • Send online. Transfer online using your credit or debit card.
  • Agent location. Send in person at a Western Union agent location by paying in cash or with a card.
  • By telephone. Send money over the phone by calling Western Union.

Read our Western Union review for information on transfers and rates.

Specific money transfer limits will vary by location and how you choose to send — agent locations work better for large transfers. The cash you send will be available for collection from your recipient's nearest Western Union agent location within minutes.

How to send an instant money transfer

It’s quick and easy to send an instant cash transfer to a friend or relative overseas. Although some providers allow you to pay for the transaction online, the most common transfer method is to pay cash in person at a transfer provider’s agent location.

The exact transfer process varies slightly from one company to the next but you will usually have to follow these steps:

  1. Visit your nearest cash transfer provider location.
  2. Make sure you have a valid form of photo ID (such as a driver’s license or passport) and enough cash to pay for the transaction.
  3. Fill out a form with all the details of your transaction, including your recipient’s full name and address and the currency they will collect the cash in. The name you give must exactly match the name on your recipient’s ID.
  4. Pay for the transaction and make note of the transaction reference number or PIN you are given.
  5. Contact your recipient and give them the PIN or transaction reference number.
  6. Your recipient can visit their nearest transfer provider location with photo ID and the reference number and can collect their cash.

What are the pros and cons of instant cash transfers?

There are a few advantages and disadvantages you should consider before choosing an instant cash transfer:

Pros

  • Fast. Cash transfers are usually available for collection by your recipient within minutes, even if they’re located on the other side of the world.
  • Easy. It’s easy to lodge a transfer request and pay for a transaction, with the entire process taking just a few minutes.
  • Convenient. Cash transfers are a simple and stress-free way to get your money where you need it to go as quickly as possible.
  • Send money anywhere. Cash transfer providers make it possible to send money to just about any country in the world.

Cons

  • Transfer fees. Cash transfer companies tend to charge higher transaction fees than some specialist online transfer providers.
  • Low exchange rates. It’s often also possible to find better exchange rates when you send an online money transfer instead of a cash transfer.
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Bottom line

If you need to send money fast, cash is your best bet. But don't let your need for speed stop you from taking a minute to compare transfer providers to find the most competitive exchange rates and fees.

Frequently asked questions

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

Logo for SendFX International Money Transfers
SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

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