Compare instant international money transfers

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

Updated May 22, 2020

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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.

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Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
AUD 1	Same day	AUD 3.99	0.772	USD 769	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
AUD 2	1 - 2 days	AUD 15.00	0.751	USD 740	Ria lets you send money to 130+ countries with cash pick-up at 240,000 locations.		Compare	Show details	Details Minimum transfer amount AUD 2.00 Transfer methods Online, Agent, Bank Account to Bank Account, Cash Transfer Transfer options Regular payments, One off payments Customer service Phone, Email, Branch Available currencies AED, ALL, AMD, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BOB, BRL, CAD, CHF, CLP, CNY, COP, CRC, DJF, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KZT, LAK, LBP, LKR, LRD, MAD, MDL, MMK, MNT, MRO, MXN, MYR, MZN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SEK, SLL, SRD, THB, TJS, TND, TOP, TRY, TTD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, XAF, XOF Read the full review
AUD 1	Same day	AUD 20.00	0.748	USD 733	Western Union sends money online to friends and family in 200+ countries around the world.		Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options One off payments Customer service Phone, Email Available currencies AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SYP, SZL, THB, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW, LVL Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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 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.

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:

Visit your nearest cash transfer provider location.
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.
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.
Pay for the transaction and make note of the transaction reference number or PIN you are given.
Contact your recipient and give them the PIN or transaction reference number.
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.

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

Another option for sending an international money transfer is to send the funds from your bank account. This is an easy and convenient way to send funds, but it's not a good option if you want instant transfers.
Processing times for international bank transfers range between two and five business days depending on where you're sending the money, so you'll need to look elsewhere if time is of the essence.

Thank you for your feedback!

Tim Falk

Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors.

How long does it take to send money overseas? Compare international money transfer limits

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Azimo International Money Transfers

Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

More info

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

More info

TorFX International Money Transfers

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

More info

Send International Money Transfers

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

More info

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