Finder makes money from featured partners, but editorial opinions are our own.

Best international money transfer apps

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

Promoted

Revolut

Revolut logo
  • Transfer money from Australia in 30+ currencies
  • Instant free transfers to other Revolut users
  • 35+ million customers worldwide
Go to site

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 rated the apps using a methodology that mainly took into account customer reviews from the Apple App and Google Play stores, but also took into consideration app features, transfer speeds and coverage.

1. Remitly

Money-back guarantee

With the Remitly app, you'll be given the exact date and time 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.

Rated 4.8/5 on Google Play and 4.8/5 on the Apple App Store

  • Cash pickup available
  • No minimum transfer, for cash pickup and to mobile wallets
  • Large range of destinations
  • Funds can be received through mobile money
  • Limit on how much you can send
  • Fees change depending on the speed of your transfer
  • Requires government-issued ID
Receiving options Bank transfer
Credit card
Debit card
Pay By Bank transfer
Credit card
Debit card
  • Live exchange rates
  • Set rate alerts
  • Check transfer status
  • Available on iPhone
  • Available on Android
  • Available in 16 languages

2. Wise

Mid-market rate

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.

Rated 4.7/5 on Google Play and 4.7/5 on the Apple App Store

  • No minimum transfer amount
  • Uses the mid-market rate
  • Transparent with fees
  • Can pay with Apple Pay (although paying by card incurs higher fees)
  • No cash pickup
  • Requires ID verification
Receiving options Bank transfer
Credit card
Debit card
PayID
Pay By Bank transfer
Credit card
Debit card
PayID
  • Live market rates
  • Exchange rate alerts
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in 15 languages

3. Revolut

App-user experience

Arriving in Australia in 2019, Revolut has made a name for itself in travel money and is becoming increasingly popular for money transfers. It's app-only and you can transfer money in 26 currencies 100+ currencies.

Rated 4.5/5 on Google Play and 4.8/5 on the Apple App Store

  • Excellent app-user experience
  • No max transfer limit on most currencies
  • You get the mid-market during market hours
  • Offers a wide range of travel money services
  • Exchange rate markups apply on weekends
  • Plan limit apply, on the standard plan you can convert $2,000 per month without fees
  • Other providers have a bigger selection of currencies
Receiving options Bank transfer
Credit card
Debit card
Pay By Bank transfer
Credit card
Debit card
  • Live exchange rates
  • Multi-currency accounts
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in 20+ languages

4. OFX

No maximum limit

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.

Rated 4.5/5 on Google Play and 4.8/5 on the Apple App Store

  • 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
  • Transfers must be above $250
  • Doesn't accept credit card or cash as payment
  • App only available in English
Receiving options Bank transfer
BPAY
Pay By Bank transfer
BPAY
  • Live exchange rates
  • Set rate alerts
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in English

5. WorldRemit

Diverse delivery options

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.

Rated 4.6/5 on Google Play and 4.8/5 on the Apple App Store

  • Cash pickup available
  • No minimum transfer
  • Large range of destinations
  • Competitive exchange rates
  • Funds can be received through mobile money
  • 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
Receiving options Bank transfer
Credit card
Debit card
Apple Pay
Pay By Bank transfer
Credit card
Debit card
Apple Pay
  • Live exchange rates
  • 24/7 customer support
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in 6 languages

6. Western Union

Massive global network

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.

Rated 4.4/5 on Google Play and 4.5/5 on the Apple App Store

  • Almost-instant transfers to cash pickup
  • Can pay with bank transfer, cash, card or Apple Pay
  • Transfers to many currencies
  • Less competitive exchange rates
  • Transfer fees to some countries can be significant
Receiving options Bank transfer
Cash
Credit card
Debit card
Apple Pay
Pay By Bank transfer
Cash
Credit card
Debit card
Apple Pay
  • Strong focus on security
  • Simple card scanning
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in 6 languages

7. Xe Money Transfer

Tracking currency pairs

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.

Rated 4.7/5 on Google Play and 4.8/5 on the Apple App Store

  • No fees for amounts above $500
  • High sending limit
  • Set custom currency pair alerts
  • Send money to more than 130 countries.
  • Doesn't use mid-market rate
  • Limited cash pickup options
  • Slow transfer speeds
Receiving options Bank transfer
Credit card
Debit card
Pay By Bank transfer
Credit card
Debit card
  • Set rate alerts
  • Monitor 10 currencies
  • Track your transfer
  • Available on iPhone
  • Available on Android
  • Available in 11 languages

🧪 Methodology: How we ranked these apps

The 7 money transfer apps listed are selected out of 26 money transfer services and rated based on 5 main factors. Customer ratings from Google Play and Apple App stores make up 70% of our criteria with the remaining 30% spread across app features, coverage and transfer speed.

5 main factors with weightings:

  • Apple store reviews - 35%
  • Google app reviews - 35%
  • App features - 20%
  • Transfer speed - 5%
  • Number of countries & currencies supported - 5%

App features we analyse:

  • Transfer tracking
  • 24/7 customer support
  • Supports multiple languages
  • Exchange rate alerts
  • Recurring transfers
  • Available on iPhone & Android
  • Payments options

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

Written by

Kate Steere

Kate Steere is a deputy editor at Finder, specialising in fintech, cryptocurrency and banking. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run. See full profile

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site