Where can I send money with a mobile app?

The countries to which you can send money will vary by provider. Some specialise in certain geographic areas, while others provide services to hundreds of countries.

How fast will my money get there?

Some providers get your money to its destination in minutes after payment, especially if you pay with a debit card. Others require a few days to get to your recipient. Confirm the transfer speeds of your service before putting any cash down.

Are international money transfers safe?

Yes. When processed through a reputable bank or company, your funds are safely tracked until in the hands of your recipient.

7 best international money transfer apps for 2026

We've picked out 7 of the best money apps for things like app experience, network, speed and fees
All apps have received high ratings from users
Not all apps are available in the same countries or offer the same currencies

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.

Finder Score	Fastest Transfer Speed	Fees (Pay by Bank Transfer)
9.2 Excellent Western Union	9.2 Excellent	Within minutes	From $0	Get Western Union's best exchange rate and $0 fee on your first online transfer. T&Cs apply.	View details Compare product selectionCompare	loading	Why we like it 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. Pros Good for sending money to just about everywhere, with options for those without bank accounts $0 fee on first digital transaction Competitive exchange rates Cons You will need to set up an account with Western Union before sending money
9.2 Excellent Revolut	9.2 Excellent	Within minutes	From 0.15%	Sign up and get a AUD$15 top-up. For new customers only. Ends 31 Dec 2026. T&Cs apply.	View details Compare product selectionCompare	loading	Why we like it 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 100+ currencies. Pros 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 Cons 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
7.5 Great OFX	7.5 Great	24 hours	$0	Go to site View details Compare product selectionCompare	loading	Why we like it 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. Pros 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 Cons Transfers must be above $250 Doesn't accept credit card or cash as payment App only available in English
9.4 Excellent Xe Money Transfers	9.4 Excellent	Within minutes	$0	View details Compare product selectionCompare	loading	Why we like it 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. Pros No fees for amounts above $500 High sending limit Set custom currency pair alerts Send money to more than 130 countries Cons Doesn't use mid-market rate Limited cash pickup options Slow transfer speeds
9 Excellent Wise Most Loved	9 Excellent	Within minutes	From 0.63%	Go to site View details Compare product selectionCompare	loading	Why we like it 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. 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 Requires ID verification
9.3 Excellent Remitly	9.3 Excellent	Within minutes	From $0	Go to site View details Compare product selectionCompare	loading	Why we like it 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. Pros Cash pickup available No minimum transfer, for cash pickup and to mobile wallets 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
7.1 Great WorldRemit	7.1 Great	Within minutes	From $0.99	View details Compare product selectionCompare	loading	Why we like it 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. 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

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

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.

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.

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.

Finder survey: What is the main reason Australians send money internationally?

Response
Sending to family/friends	64.44%
Investing	24.44%
Travelling	24.44%
Paying bills	21.11%
Other	16.67%
Relocating	5.56%

Source: Finder survey by Pure Profile of 1110 Australians, December 2023

Frequently asked questions

Sources

Thank you for your feedback!

Written by

Kate Steere

Money expert

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 bio

Kate's expertise

Kate has written 12 Finder guides across topics including:

Fintech
Banking
Cryptocurrency
Mortgages
Payments

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Best international money transfer apps

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

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