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Best international money transfer apps

Send money overseas with these top-rated mobile apps.

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Western Union

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  • Send large amounts
  • Worldwide established network
  • Cash, credit, debit, transfers & more
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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.

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 you aren't 100% satisfied with your transfer, Remitly promises to refund your fees. 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 ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable 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 May 5, 2022Apple StoreGoogle Play
Rating4.84.8
# of reviews55.1k387,724

Calculate your transfer with Remitly

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Remitly
Within an hour
From $2.99

View details
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.
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Compare up to 4 providers

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2. OFX

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.

OFX app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

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
Data from May 5, 2022Apple StoreGoogle Play
Rating4.84.5
# of reviews3.2k3,141

Calculate your transfer with OFX

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
From $15

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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3. Wise

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.

Wise app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable 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
      • Requires ID verification
Data from May 5, 2022Apple StoreGoogle Play
Rating4.74.2
# of reviews12.5k182,480

Calculate your transfer with Wise

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Wise (TransferWise)
24 hours
From 0.35%

View details
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
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Compare up to 4 providers

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4. WorldRemit

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. 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 ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable 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 May 5, 2022Apple StoreGoogle Play
Rating4.84.4
# of reviews66.3k116,171

Calculate your transfer with WorldRemit

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
WorldRemit
Within minutes
$1.99
SPECIAL OFFER ✓ Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.

View details
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.
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Compare up to 4 providers

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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.

XE app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

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
Data from May 5, 2022Apple StoreGoogle Play
Rating4.33.8
# of reviews1.7k106,764

Calculate your transfer with XE

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
XE Money Transfers
Within minutes
$0

View details
XE has fast transfers with low fees and a range of foreign currency tools.
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Compare up to 4 providers

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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 ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable 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, 2022Apple StoreGoogle Play
Rating4.54.5
# of reviews15.4k263,363

Calculate your transfer with Western Union

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Western Union
Within minutes
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
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Compare up to 4 providers

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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

More guides on Finder

International Money Transfer Offers

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

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
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.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

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

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

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