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.

1. Wise

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 low fees and competitive exchange rates.
Wise is regulated by the UK's Financial Conduct Authority (FCA) and complies with U.S. financial regulations, providing a secure and legally compliant service. It collaborates with over 70 global partners, including major banks and fintech companies such as Monzo and Google Pay, to facilitate smooth international transactions. [1]

Top Features of Wise

Our Rating on Wise Features

We rate Wise 4/5 for its features, particularly for its multi-currency account and the ability to obtain local bank details in 23 currencies—a feature that sets it apart from many competitors. Wise also offers real-time exchange rate tracking and customisable rate alerts, making it a strong option for users managing multiple currencies.

However, Wise focuses on bank-to-bank transfers, which may not be ideal for users needing cash pickup or mobile wallet deposits.

How Does Wise Work

Here’s a step-by-step guide to using Wise for your money transfers:

1. Sign up for a Wise account using your email, Google, Facebook, or Apple account.
2. If required, provide proof of address depending on your location.
3. Select a payment method, enter the recipient’s details, and specify the amount.
4. If you enter the recipient’s email, they will receive a notification when the funds are on the way to their bank account.

Our Rating on Wise Usability

Wise earns a 4/5 rating for its intuitive user experience, simple signup process, and seamless multi-currency transfers. The platform offers a straightforward interface, making it easy to send and receive money, track exchange rates, and manage multiple currencies within a single account.

However, in some locations, users may need to provide proof of address, which can slightly extend the verification process for new accounts.

Wise Pricing

Pricing varies depending on the currency and country. The following figures are provided in USD for reference. [2]

 Our Rating on Wise Pricing

We’ve rated Wise 4/5 for its transparent and competitive fee structure, which starts at 0.43% and varies by currency. Wise uses mid-market exchange rates with no hidden markups, making it a cost-effective option for many users.

However, for larger transactions, the percentage-based fee model may result in higher costs compared to services with flat-fee pricing.

Wise Pros and Cons 

Q&A

Who Should Use Wise?

✅ Individuals and businesses looking for cost-effective international transfers with transparent fees and mid-market exchange rates.

✅ Freelancers and global businesses that receive international payments and need local bank details in 23 currencies.

✅ Users who manage multiple currencies and benefit from Wise’s multi-currency account and real-time exchange rate tracking.

2. Remitly

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.

Top Features of Remitly

Our Rating on Remitly Features

We rate Remitly 4/5, as they provide a diverse range of alternative receiving options, including both cash pickup and, notably, home delivery. However, they have limited additional functions compared to other providers, which often include extras like foreign exchange options, bill payments, and the ability to hold funds in accounts or on cards.

How Does Remitly Work

1. Sign up on the Remitly website or mobile app.
2. Enter the amount you want to send and choose a delivery method.
3. Provide the recipient’s details and select a payment method.
4. Confirm the transfer, and Remitly will process your transaction.

Our Rating on Remitly Usability

Remitly scores 4/5 for its quick and straightforward sign-up and usage process for international money transfers. However, some navigation on the website itself may be confusing, such as checking the fee for specific currencies.

Remitly Pricing

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.

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.

Our Rating on Remitly Pricing

Remitly scores 4/5 regarding fee structures. The pricing structure is transparent, and the option to choose between express and economy transfers gives users more flexibility based on their urgency and cost considerations.

 Our Verdict on Remitly 

Remitly scores 4/5 as it is a strong option for users looking for a straightforward, digital-first money transfer service with flexible pricing options.

3. Revolut

Revolut is a digital banking application that allows users to send and receive money locally and internationally, split bills, send gifts, and exchange currencies at competitive rates. Additionally, the app offers features such as cashback and interest on selected plans. 
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. [3]

Top Features of Revolut

Our Rating on Revolut’s Features

We rate Revolut 4.5/5 for its banking-like features, including multi-currency accounts, savings, and investment tools. It also offers stock trading, crypto investments, and exclusive discounts, adding versatility beyond standard money transfer apps.

However, Revolut focuses on bank-to-bank transfers, which may not suit users needing cash pickup or mobile wallet deposits.
New business users can enjoy a 1-month free trial.

How Does Revolut Work

You can send money with Revolut in just a few steps.

1. Sign up through the Revolut mobile app and log in.
2. Tap ‘Transfer’ > ‘New’ > ‘Send international’, then select the destination and currency.
3. Enter the recipient’s details and confirm the transaction.
4. Set up recurring transfers for regular payments if required.

Our Rating on Revolut’s Usability

Revolut scores 4/5  for its sleek, user-friendly interface, making money management and international transfers seamless. 

However, its services are limited to the mobile app, with no full web-based platform for transfers or account management.

Revolut Pricing

Revolut's pricing varies by country. Below is the U.S. pricing structure, which includes both free and premium plans. [4]

*APY (Annual Percentage Yield) is variable and subject to change. Terms and Conditions apply.

Our Rating on Revolut’s Pricing

We rate Revolut 4/5 for its tiered pricing plans, which offer perks like cashback, discounts, and free international transfers.

However, premium plan benefits may require meeting spending thresholds, making it less cost-effective for occasional users.

Revolut Pros and Cons

Q&A

Who Should Use Revolut?

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

✅ Frequent travelers and expats who need a multi-currency account with real exchange rates for international transactions.

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

4. OFX

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 U.S. 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, e-commerce sellers, and sole traders. [5]

Top Features of OFX

Our Rating on OFX Features

We've rated OFX 4/5 for its specialised FX tools, including rate targeting and forward contracts, which provide greater control over currency exchanges. Additionally, its global reach is comparable to major players like Western Union.

However, certain features, such as cash transactions or FX trading, may be restricted in some regions or for personal use.

How Does OFX Work 

OFX offers a streamlined approach to sending money globally while ensuring security and reliability.

1. Register for an OFX account online or via the app by providing your personal information and necessary identity verification documents.
2. Initiate a transfer by selecting the currency, entering the amount, and adding the recipient’s details.
3. Choose a payment method based on the selected currency.

Our Rating on OFX Usability

OFX receives a 3.5/5 rating for usability. While signing up is straightforward, additional details may be required for verification. Message and data rates may apply during two-step verification.

OFX Pricing

OFX transfer fees are flat fees depending on the currency. [6]

Our Rating on OFX Pricing

OFX transfer fee gets a 4/5 for its cost-effective pricing, particularly for larger transfers. Its transparent fee structure makes it a strong option for substantial international transactions.

OFX Pros and Cons

Who Should Use OFX?

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

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

✅ Users who prefer bank-to-bank transfers, as OFX does not support cash pickups or alternative payout methods.

5. Western Union

Western Union allows users to send and track money transfers from the U.S. to over 200 countries and territories. Payments can be made online, via the Western Union app, or in person at an agent location.

Users can send money for cash pickup or deposit funds directly into the recipient’s bank account. [7]

Top Features of Western Union

Our Rating on Western Union Features

Western Union scores 4/5 for its extensive global reach, wide agent network, and cash-based transfer options, making it one of the most accessible money transfer services worldwide.

How Does Western Union Work

Sending money with Western Union is simple, whether through the app or an agent location. Follow these steps to complete your transfer:

1. Download the Western Union app, sign up, and verify your account.
2. Choose the recipient’s country and select a preferred transfer method (bank deposit, cash pickup, or digital wallet).
3. Enter the recipient’s details, including their phone number if required, and confirm the transfer.
4. Receive a tracking number (MTCN) to monitor the transfer status.

Our Rating on Western Union Usability

Western Union receives a 4/5 rating for its quick and straightforward sign-up process, allowing users to register easily with just a phone number.

Western Union Pricing

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 and delivery time, visit Western Union’s Send Money page and enter your transaction details. [8]
Check real-time exchange rates for USD and other currencies using Western Union’s currency converter tool. This tool provides an estimate of the exchange rate applied to your transfer. [9]

Our Rating on Western Union Pricing

Western Union receives a 3/5 rating for pricing, as fees vary widely depending on payment method, destination, and transfer amount, making costs less predictable—even with the fee estimator.

Western Union Pros and Cons

Q&A

Who Should Use Western Union?

✅ Individuals who rely on cash pickups at physical locations, as Western Union operates a large agent network worldwide.

✅ Users who want the flexibility of both digital and in-person transfers, including mobile app transactions and cash-based services.

✅ Users sending money to countries with limited banking infrastructure, where cash pickup or mobile wallets provide essential alternatives.

6. Xoom (a PayPal service)

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.

Xoom specialises in international money transfers. 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. [10]

Top Features of Xoom

Our Rating on Xoom Features

Xoom earns a 3.5/5 rating for its bill payment and mobile top-up features, which add convenience to international transactions. However, its accessibility is limited, as sending countries are restricted to the U.S., Canada, the UK, and European Economic Area nations.

How Does Xoom Work 

Xoom enables users to send money internationally with PayPal integration.

1. Log in with your PayPal account on the Xoom app or Xoom.com.
2. New users can sign up through Xoom or PayPal.
3. After signing up, you can send money, and recipients can receive funds without needing a PayPal or Xoom account.

Our Rating on Xoom Usability

We rate the usability of the Xoom app at 4/5 because of it's easy to get started, especially if you already have a PayPal account. Signing up without a PayPal account is also straightforward, requiring only basic personal details. 

However, users registering via Xoom’s website may have access to fewer supported countries compared to signing up through PayPal.

Xoom Pricing

Xoom displays transaction fees and exchange rates upfront, which vary based on the destination country, transaction amount, payment method, and receiving method.

Card payments typically incur higher fees than bank transfers. Xoom also generates revenue from currency conversion.

For the most up-to-date fees and exchange rates, check Xoom's Fees and Exchange Rate Calculator before making a transfer. [11]

Our Rating on Xoom Pricing

We've given the pricing 3/5. While its fees are transparent, they can be higher on certain transfer routes, as seen in our review using the Xoom fee calculator.

Xoom Pros and Cons

Who Should Use Xoom? 

✅ 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.

7. Xe Money Transfer

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 rates and fees compared to traditional banks.

Xe Money Transfer merged with HiFX Europe Limited, a currency broker, expanding its range of foreign exchange services. [12]

Top Features of Xe Money Transfer

Our Rating on Xe Money Transfer Features

Xe Money Transfer receives a 4/5 rating for its detailed exchange rate tools and wide global reach, supporting 100+ currencies across 200+ countries.

How Does Xe Money Transfer Work 

1. Create a free account with your email.
2. Get a quote by choosing the currency, amount, and destination.
3. Enter the recipient’s details and verify your identity if required.
4. Confirm the quote and pay using a bank account, credit card, or debit card.

Our Rating on Xe Money Transfer Usability

Xe Money Transfer is rated 4/5 for its quick and straightforward sign-up process, requiring only an email address to get started.

Xe Money Transfer Pricing

Xe’s transfer costs depend on the payment method, currency, and destination. The Xe app shows the exact cost before confirmation, and any fee updates are communicated before the transaction is completed.

Xe aims to transfer the full amount, but recipient banks or intermediaries may deduct fees beyond Xe’s control.

For the latest pricing details, check Xe’s platform before making a transaction. [13]

Our Rating on Xe Money Transfer Pricing

Xe Money Transfer scores a 2/5 rating for its pricing. Although it offers transparent cost estimates before confirming a transfer, complete fee details are available only within the app and are no longer publicly accessible.

Xe Money Transfer Pros and Cons

Who Should Use Xe Money Transfer?

✅ 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.

8. WorldRemit

WorldRemit, authorised and regulated by the FCA and licensed as a money transmitter in the U.S., is a money transfer service with 144 payout partners across over 130 countries. 

It has served over eight million customers worldwide, offering payout options like bank transfers, mobile money, and cash pickup. [14]

Top Features of WorldRemit

Our Rating on WorldRemit Features

WorldRemit receives a 3/5 rating for its online and offline receiving options, including bank transfers, mobile wallets, and cash pickups. However, it offers fewer additional financial features compared to some competitors.

How Does WorldRemit Work 

1. Create a WorldRemit account on the app or website with your email.
2. Verify your identity as required.
3. Select the destination and amount for the transfer.
4. Enter the recipient’s details and choose a payment method.
5. Confirm the transfer, and WorldRemit will process the transaction.

Our Rating on WorldRemit Usability

WorldRemit scores a usability rating of 4/5 thanks to its quick setup process that requires only an email address to get started.

WorldRemit Pricing

Transfer fees depend on the sender’s location, recipient’s country, selected currency, and payment method. Users can view applicable fees on the app or website before initiating a transfer.

You can use the WorldRemit calculator to view both the fees and exchange rates upfront. [15]

According to WorldRemit, sending USD 200 is, on average, 41% cheaper than most banks and 5% cheaper than Ria, MoneyGram, and Xoom. Cost differences may vary based on exchange rates and transfer conditions. [16]

Our Rating on Worldremit Pricing

WorldRemit receives a 3/5 rating for pricing. Its transparent fee structure, visible on the website, is a key advantage. 

However, costs can be higher for certain routes and payment methods, as seen in our fee calculator review.

Worldremit Pros and Cons

Who Should Use WorldRemit?

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

✅ Senders making small-to-medium transfers who need fast delivery, as WorldRemit supports instant or same-day transactions in many cases.

✅ Users who prefer an all-digital experience, as WorldRemit operates entirely online with no in-person visits required.

Comparison Table: Speed, Limit & Minimums

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 

International wire transfers allow you to send money abroad through your bank. Depending on your bank’s services, the transfer 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 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.

Despite these risks, cryptocurrency is becoming a more widely used option for international transfers, particularly in regions with limited banking access.

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.