Best international money transfer apps

Send money overseas with these top-rated mobile apps.

Updated Nov 10, 2020. What changed?

Fact checked

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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.

At a glance: The best international money transfer apps in 2020:

Remitly — Money-back guarantee
OFX — No maximum limit
Wise — Mid-market rate
WorldRemit — Diverse delivery options
XE Money Transfer — Tracking currency pairs
Western Union — Massive global network

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 your transfer is late, Remitly has a money-back guarantee. 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 rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available 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 Nov 9, 2020	Apple Store	Google Play
Rating	4.8	4.8	Average rating: 95%
# of reviews	21,142	54,904	Total reviews: 76,046

Calculate your transfer with Remitly

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 10	Within an hour	AUD 2.99	0.737	USD 735	Special offers like free transfers and better exchange rates available for new customers. Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 10.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, AUD, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review

Compare up to 4 providers

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

2. OFX

With OFX's mobile app, send money transfers of $1,000 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 rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available in other languages

Pros

- - Can monitor current and historical exchange rates
  - Track your transfers
  - Set rate alerts
  - Free transactions
  - 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 Nov 9, 2020	Apple Store	Google Play
Rating	4.8	4.4	Average rating: 92%
# of reviews	1,951	2,484	Total reviews: 4,435

Calculate your transfer with OFX

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 250	1 - 2 days	AUD 0.00	0.738	USD 7,384	$0 transfer fees for Finder customers. OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 250.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review

Compare up to 4 providers

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

3. Wise

Send payments to friends, family and businesses in 30 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 rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available 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
  - Not as many currencies as other providers

Data from Nov 9, 2020	Apple Store	Google Play
Rating	4.8	4.2	Average rating: 85%
# of reviews	11,061	91,124	Total reviews: 102,185

Calculate your transfer with Wise

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 1	1 - 2 days	AUD 45.00	0.738	USD 7,350	Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, EGP, EUR, FJD, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review

Compare up to 4 providers

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

4. WorldRemit

With the WorldRemit app, you can send money to more than 150 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 rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available 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 Nov 6, 2020	Apple Store	Google Play
Rating	4.8	4.1	Average rating: 87%
# of reviews	46,698	77,269	Total reviews: 123,967

Calculate your transfer with WorldRemit

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 1	Same day	AUD 3.99	0.732	USD 7,322	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

Compare up to 4 providers

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

5. 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.

Features in the app

Live exchange rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available in other languages

Pros

- - No fees
  - No maximum transfer limit
  - Set custom currency pair alerts
  - Send money to more than 130 countries.

Cons

- - Doesn't use mid-market rate
  - Only bank-to-bank transfers
  - No cash pickup

Data from Nov 6, 2020	Apple Store	Google Play
Rating	4.6	4.4	Average rating: 88%
# of reviews	4,593	93,054	Total reviews: 97,647

Calculate your transfer with XE

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 1	Same day	AUD 0.00	0.738	USD 7,376	XE has fast transfers with low fees and a range of foreign currency tools.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments, Market orders Customer service Phone, Email Available currencies AED, AMD, AUD, BAM, BBD, BDT, BGN, BHD, BND, BRL, BSD, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EUR, FJD, GBP, GEL, GTQ, HKD, HNL, HRK, HUF, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, KZT, LKR, LSL, MAD, MKD, MUR, MWK, MXN, MYR, NAD, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VUV, WST, XCD, XPF, ZAR Go to site Read the full review

Compare up to 4 providers

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

6. 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 rates	Set rate alerts	Track your transfer
Available on iPhone	Available on Android	Available 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 May 5, 2020	Apple Store	Google Play
Rating	4.5	4.4	Average rating: 88%
# of reviews	10,832	181,851	Total reviews: 192,683

Calculate your transfer with Western Union

I want to send

Best international money transfer apps

Send money overseas with these top-rated mobile apps.

In this guide

Guides

Services

Send money to

Exchange Rates

CBD Guides

Banks

At a glance: The best international money transfer apps in 2020:

1. Remitly

Features in the app

Pros

Cons

Calculate your transfer with Remitly

Compare up to 4 providers

2. OFX

Features in the app

Pros

Cons

Calculate your transfer with OFX

Compare up to 4 providers

3. Wise

Features in the app

Pros

Cons

Calculate your transfer with Wise

Compare up to 4 providers

4. WorldRemit

Features in the app

Pros

Cons

Calculate your transfer with WorldRemit

Compare up to 4 providers

5. XE Money Transfer

Features in the app

Pros

Cons

Calculate your transfer with XE

Compare up to 4 providers

6. Western Union

Features in the app

Pros

Cons

Calculate your transfer with Western Union