At a glance: The best money transfer apps in 2020
- Remitly — Money-back guarantee
- OFX — No maximum limit
- Wise — Mid-market rate
- WorldRemit — Diverse delivery options
- XE Money Transfer — Tracking currency pairs
- Western Union — Massive global network
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Best international money transfer apps
Send money overseas with these top-rated mobile apps.
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 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.
Features in the app
Live exchange rates | Set rate alerts | Track your transfer |
| Available on iPhone | Available on Android | Available 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 August 1, 2020 | Apple Store | Google Play | |
|---|---|---|---|
| Rating | 4.7 | 4.8 | Average rating: 95% |
| # of reviews | 46,413 | 70,400 | Total reviews: 116,813 |
Calculate your transfer with Remitly
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
2. OFX
With OFX’s mobile app, send money transfers of $1,000 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.
Features in the app
Live exchange rates | Set rate alerts | Track your transfer |
| Available on iPhone | Available on Android | Available in other languages |
Pros
- Can monitor current and historical exchange rates
- Track your transfers
- Set rate alerts
- Free transactions
- Better exchange rates than banks
Cons
- Transfers must be above $150
- Doesn’t accept credit card or cash as payment
- App only available in English
| Data from August 1, 2020 | Apple Store | Google Play | |
|---|---|---|---|
| Rating | 4.8 | 4.5 | Average rating: 92% |
| # of reviews | 802 | 2,346 | Total reviews: 3,148 |
Calculate your transfer with OFX
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
3. Wise
Send payments to friends, family and businesses in 30 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.
Features in the app
Live exchange rates | Set rate alerts | Track your transfer |
| Available on iPhone | Available on Android | Available 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
- Not as many currencies as other providers
| Data from August 1, 2020 | Apple Store | Google Play | |
|---|---|---|---|
| Rating | 4.6 | 4.3 | Average rating: 86% |
| # of reviews | 2,251 | 85,168 | Total reviews: 87,419 |
Calculate your transfer with Wise
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
4. WorldRemit
With the WorldRemit app, you can send money to more than 150 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.
Features in the app
Live exchange rates | Set rate alerts | Track your transfer |
| Available on iPhone | Available on Android | Available 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 August 1, 2020 | Apple Store | Google Play | |
|---|---|---|---|
| Rating | 4.7 | 4.2 | Average rating: 91% |
| # of reviews | 14,244 | 70,620 | Total reviews: 120,416 |
Calculate your transfer with WorldRemit
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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.
Features in the app
Live exchange rates | Set rate alerts | Track your transfer |
| Available on iPhone | Available on Android | Available in other languages |
Pros
- No fees
- No maximum transfer limit
- Set custom currency pair alerts
- Send money to more than 130 countries.
Cons
- Doesn’t use mid-market rate
- Only bank-to-bank transfers
- No cash pickup
| Data from August 1, 2020 | Apple Store | Google Play | |
|---|---|---|---|
| Rating | 4.6 | 4.5 | Average rating: 90% |
| # of reviews | 2,022 | 91,657 | Total reviews: 93,679 |