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Best international money transfer apps
Send money overseas with these top-rated mobile money transfer apps.
Key takeaways
- 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.
Methodology: How we ranked these apps
The 7 money transfer apps listed are selected from the money transfer services we compare 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
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