8 Best International Money Transfer Apps [2025]

Whether you’re supporting family overseas, managing international business transactions, or handling personal finances away from home, sending money abroad is part of the journey.

In the past, transferring money abroad meant physically visiting a bank, credit union, or another financial institution. But now, there's a simpler solution: money transfer apps.

To find the right tool, you'll need to consider the currencies involved, fees, speed, and additional features that align with your specific needs.

In this guide, we've selected the best international money transfer apps of 2025, breaking down their features, costs, and processing speed to help you find the right apps for your remittance needs.

Wise, formerly known as TransferWise, is a widely used money transfer app that allows both individuals and businesses to send and receive money internationally with competitive fees and exchange rates.

Wise is regulated with licenses in the US, the UK, the EEA, Australia, Canada, Brazil, Hong Kong, India, Indonesia, Israel, Japan, Malaysia, Mexico, New Zealand, the Philippines and Singapore. It offers services worldwide

Pricing varies depending on the currency and country. The following figures are provided in USD for reference. 

✅ Freelancers, remote workers, and global small businesses managing multiple currencies.

✅ Those who get paid in foreign currencies, run international side gigs

✅ Those who travel often and want to avoid high exchange rates. 

❌ If you're just sending emergency cash to someone without a bank account, skip it.

Remitly is an online remittance service headquartered in Seattle, United States. It facilitates international money transfers, serving over 170 countries, aiming to assist the millions of immigrants worldwide who live and work in a country away from their families. 

They have established money transfer partnerships across the globe to support its mission, including a network of over 5 billion bank accounts and mobile wallets, along with approximately 470,000 locations for cash pickup options.

Remitly's fees vary depending on the countries involved in the transfer, the amount being sent, and the chosen pay-in and pay-out methods. For most countries, they typically start between $1.99 and $4.99.

Remitly also offers competitive rates for higher-value transactions.

For detailed information on fees, you can visit the Remitly website, select the countries you're sending money from and to, and access the fee calculator for that specific country.

✅Those who want to send money to family via cash pickup, home delivery, or mobile wallet.

✅Good for users who want delivery guarantees

❌Not for freelancers, businesses, or anyone needing multi-currency wallets or account features.

Revolut is a multinational neobank and fintech company that operates as a licensed bank in regions such as the UK and the European Economic Area (EEA). It offers both personal and business accounts, allowing users to send and receive money locally and internationally. Revolut also provides additional features like bill splitting, gift sending, and currency exchange at competitive rates. Select plans include cashback and interest-earning options.

Revolut serves over 35 million customers worldwide, including more than 500,000 business users. The application operates in 150 countries and regions. However, personal accounts are only available to legal residents of the European Economic Area (EEA), Australia, New Zealand, Singapore, Japan, Brazil, Switzerland, the United Kingdom, and the United States. 

Revolut's pricing varies by country. Below is the U.S. pricing structure, which includes both free and premium plans. 

New business users can enjoy a 1-month free trial.

✅ Individuals who want a financial app that integrates money transfers, spending, saving, and investing in one platform.

✅ Frequent travellers who need a multi-currency account with travel perks

✅ Users looking for financial tools like stock trading, cryptocurrency investments, and in-app budgeting features.

❌ Not for basic remittance users—fees and features are excessive if you just need to send money home.

OFX is a licensed and regulated financial service provider with over 20 years of experience. It is registered as a Money Services Business with the Financial Crimes Enforcement Network (FinCEN), a bureau of the US Department of the Treasury.

Additionally, OFX holds money transmitter licenses in all required U.S. states. The company facilitates global money transfers for individuals, businesses, ecommerce sellers, and sole traders. 

OFX transfer fees are flat fees depending on the currency. 

✅ Businesses and individuals making large international transfers, as OFX has no maximum transfer limit.

✅ Users who require advanced currency management tools, such as rate locking and Limit Orders, to manage exchange rate fluctuations.

❌ Not suited for quick, low-value transfers or users needing mobile wallets, cash pickups, or non-bank payout methods.

Western Union is an American multinational financial services company best known for its global money transfers and wide network, which allows users to send money to over 200 countries and territories.

Transfers can be made online, through the Western Union app, or at physical agent locations. Users can send money for cash pickup or direct deposit into a recipient’s bank account. The service primarily caters to individuals.

Western Union fees and exchange rates depend on the transfer channel, payment method, and location. Additional factors, such as the recipient’s country, delivery method, and transfer amount, may also affect the cost.

To estimate your transfer fees, exchange rate, and delivery time, visit Western Union’s Send Money page and enter your transaction details. 

✅individuals who need to send cash quickly to recipients without bank accounts—even in remote areas—thanks to Western Union’s extensive global agent network.

✅ Users who want the flexibility of both digital and in-person transfers, including mobile app transactions and cash-based services.
❌Not the best choice if you want to hold money or want extra financial features beyond simple transfers

Xoom is a money transfer service by PayPal, a U.S.-based fintech company offering an online payment platform accessible via website and mobile app.  While PayPal is a general payment platform for online shopping and peer-to-peer transfers, Xoom specialises in international money transfers, especially to bank accounts and cash pickup locations.

It is available to residents of the US, Canada, the UK, and the European Economic Area (EEA), allowing them to send money and pay bills in over 130 countries. 

Xoom’s transaction fees and exchange rates depend on several factors: the sender's country, the destination, the amount, the payment method, and how the money is received. Payments made by card usually come with higher fees than bank transfers. Xoom also makes money through currency conversion.

For the most up-to-date fees and exchange rates, check Xoom's Fees and Exchange Rate Calculator before making a transfer. 

✅ PayPal users who want an easy way to send international transfers, as Xoom integrates directly with PayPal.

✅ Users who need to pay international bills or top up prepaid mobile phones, features not commonly offered by all money transfer services.

✅ Senders in the U.S., Canada, the UK, and the European Economic Area (EEA), as Xoom primarily serves these regions.

❌ Not suitable for those looking for the lowest-cost transfers, as fees and rates can be higher depending on the method

Xe Money Transfer offers a secure and efficient way to send money to over 200 countries in nearly 100 currencies. The platform provides foreign exchange tools and services with competitive exchange rates and fees compared to traditional banks. Xe Transfer also provides a cash pickup option at more than 500,000 locations worldwide.

Xe Money Transfer merged with HiFX Europe Limited, a currency broker, expanding its range of foreign exchange services. 

Xe’s transfer costs depend on the payment method, currency, and destination. Before confirmation, the Xe app will show a breakdown of fees and rates. You can also see the estimated fee on Xe’s website.

Xe aims to transfer the full amount, but recipient banks or intermediary banks might deduct additional fees that Xe cannot control. 

✅ Businesses and individuals making large international transfers, as Xe supports high transfer limits and over 100 currencies.

✅ Frequent foreign exchange users, such as expats, investors, and international businesses, who benefit from Xe’s FX rate alerts, historical charts, and live tracking tools.

✅ Businesses focused on FX tools without needing multi-currency wallets

❌ Not suited for travellers or anyone looking for a full fintech suite.

WorldRemit, headquartered in London, UK, is a fintech company focused on cross-border remittances. It is authorised and regulated by the FCA and licensed as a money transmitter in the US. WorldRemit works with 144 payout partners across over 130 countries and is known for facilitating payments to most African countries.

It has served over eight million customers worldwide, offering payout options like bank transfers, mobile money, and cash pickup. 

Transfer fees depend on the sender’s location, the recipient’s country, the selected currency, and the payment method. Before initiating a transfer, users can view applicable fees, rates, and transfer times on the app or the website calculator.

✅ Users looking for flexible receiving options, including cash pickup, mobile money, bank transfer, and airtime top-up, which are not available with all providers.

✅ Those regularly supporting family across borders with small to medium transfers.

❌ Not for users seeking advanced financial features like multi-currency accounts and may not suit senders needing to transfer large amounts frequently due to per-transfer limits

International Money Transfer App Alternatives

If you find that money transfer apps aren't meeting your requirements, there are a few alternative solutions. The following options might offer the right fit for your needs.

Virtual Business Accounts

Virtual business accounts, typically offered by a virtual bank and neobank, are online financial accounts that can be used to send and receive payments. These types of accounts are often designed to accommodate multiple currencies. 

Notably, virtual business accounts often come with lower fees compared to traditional banks, as they don't bear the burden of maintaining physical branches. Moreover, the online nature of these accounts allows for a swift setup.
A virtual business account is secure when regulated and licensed by financial authorities in its operating country. You can also check for deposit protection. All virtual banks in the US should provide information about their Federal Deposit Insurance Corporation (FDIC) coverage and the associated amount.

Traditional Banks 

Depending on the bank’s services, a traditional bank may offer international wire transfers that can be initiated in person, online, or over the phone.

To complete the transaction, you’ll need to provide the recipient’s name, address, account number, IBAN code, and the bank's SWIFT code. Additionally, you must specify the amount and currency and pay any applicable fees.

Wire transfers with traditional bank typically take a few business days to process, with fees ranging from USD 15 to USD 50, depending on the bank. It's advisable to check with your bank for exact processing times, fees, and requirements.

Cryptocurrency

Another way to send money internationally is through cryptocurrency.

Cryptocurrency provides an alternative to traditional money transfer methods, using decentralised blockchain technology. Decentralisation allows for faster, potentially cheaper transactions without traditional banking intermediaries. It may also reduce currency conversion costs for international transfers.

Cryptocurrencies are available to anyone with internet access, potentially expanding financial inclusion.

However, challenges include price volatility, varying regulations by country, and security risks with digital wallets and exchanges. Users must manage fraud and cyber threats by using secure storage and trusted platforms.

Final Note

After reviewing various international money transfer apps, it's clear that the best choice depends on individual priorities—whether it’s speed, cost, or additional financial features.

For fast transfers, many apps process transactions instantly when using cards or cash pickups. On the other hand, international bank transfers generally take 1-2 business days, with some transactions requiring 3-5 business days for completion.

Ultimately, choosing the right service comes down to balancing cost, speed, and convenience based on your specific needs.