7 Best International Money Transfer Apps in 2026

International money transfer apps make it quick and easy to send money abroad. But with a long list of apps to choose from, which one is best?

To find out, we downloaded and tested 19 international money transfer apps—and the 7 apps featured here performed the best in our real-world tests.

The exchange rate providers offer can vary greatly depending on where and when you’re sending money, so no single provider will always be the cheapest in every scenario. That’s why it’s well worth downloading 3 to 4 of your favourite apps to compare costs for your transaction.

Remitly: Offers an excellent app experience & competitive rates

Finder score 8.6 Great Remitly

Finder score 8.6 Great

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Why we like it When we downloaded and tested Remitly, we found that it offered a smooth and seamless transfer process from start to finish. It’s easy to see why the Remitly app has received millions of 5-star customer reviews, as we found it to be simple to navigate right from the get-go. You can send money just about anywhere; we found the exchange rates and fees to be competitive; and we liked the flexibility of being able to send to someone’s bank account, mobile wallet, or even cash pickup or home delivery. And if you ever have a problem with a transfer, support is available 24/7. Pros & cons Pros Competitive exchange rates Send money to 175+ countries Multiple delivery options Highly rated mobile app 24/7 multilingual support Cons Exchange rate markups vary depending on destination Fee structure is a little confusing

Wise: Has transparent fees & easy app experience

Finder score 8.5 Great Wise (TransferWise) Finder Award

Finder score 8.5 Great

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Why we like it Of all the international money transfer apps we tested, Wise was easily one of the most user-friendly. It’s sleek, streamlined, and everything just makes sense right from the first moment you open it. The other thing we really appreciated about Wise was its transparency surrounding costs—not only do you get the mid-market exchange rate without any markups, but you also get a clear breakdown of the transfer fees that apply before you send. Wise wasn’t always the cheapest in our testing, but we found that it’s often a competitive option for larger transfers of $1,000 or more. And you can get a transfer quote without having to sign up for an account first, so be sure to compare it against other options for your next transfer. Pros & cons Pros Get the mid-market exchange rate Transparent fees Very user-friendly app design Lots of positive user reviews 24/7 customer support Cons Often not the cheapest option for smaller transfers Some payment methods (like e-Transfer or debit card) may be expensive Some customer complaints about difficulty accessing human support

MoneyGram: Provides global coverage, with flexible payment & delivery options

Finder score 7.9 Great MoneyGram

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Why we like it MoneyGram is one of the biggest names in the global money transfer business, and we found that it’s a provider well worth having on your shortlist of options. The first thing we liked about MoneyGram is that you can send money to 200+ countries and territories, so no matter where your loved ones are around the world, there’s a great chance MoneyGram has got you covered. We also appreciated its flexible range of payment options, plus the fact that we could send a cash pickup transfer to MoneyGram locations around the world in mere minutes. Just be aware that MoneyGram tends to have higher markups than other apps, based on our calculations. Pros & cons Pros Send money all over the world Cash pickup transfers available for collection in minutes Highly rated app Supports multiple payment and payout methods Cons Exchange rate markups apply Not the most competitive in terms of rates and fees Watch out for transfer fees

Western Union: Provides global coverage, with cash pickup

Finder score 8.7 Great Western Union

Finder score 8.7 Great

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Why we like it Western Union was founded way back in 1851, and we were pleased to discover in our testing that it’s still a competitive option for transferring money today. One of this app’s biggest strengths is global coverage, allowing you to send funds to 200+ countries and territories. We liked the convenience of being able to send online, via an app, or in person from thousands of agent locations across Canada. And with multiple payment and receiving options available, including cash pickup, Western Union is a must-compare platform no matter where you need to send money. Pros & cons Pros Huge global network Pay with your bank account, credit card, debit card or cash Get money to your recipient in a matter of minutes Competitive rates for popular transfer destinations Multiple delivery options available, including cash pickup Cons Fees often apply Check the exchange rate markup

Paysend: Offers competitive rates, with delivery to debit/credit cards

Finder score 9.2 Excellent Paysend

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Why we like it When we tested Paysend for international transfers to India and Ukraine, we found it to be a leading contender in terms of low transfer costs and ease of use. The Paysend app offers a user-friendly layout; it supports fast debit and credit card payments; and we liked having the option to send funds in 100+ currencies. We were a little annoyed that the prompt to see exchange rates and fees in the app before adding a recipient wasn't in a clear spot, but all in all the transfer process was reasonably smooth and seamless. So if you need to send money to friends or family abroad, it’s well worth checking out how Paysend stacks up against the competition. Pros & cons Pros Relatively user-friendly mobile app Send money to 170+ countries Transfers arrive as quickly as a matter of minutes Competitive rates and transparent fees Send to a debit/credit card in 100+ countries Cons Exchange rate markups apply No cash pickup transfers

Remitbee: Provides fast transfers to most countries

Finder score 8.3 Great RemitBee

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Why we like it The first thing we liked when testing Remitbee was the range of payment methods it supports. You can pay by debit card, e-Transfer, bill payment or EFT, and you can send funds to 100+ countries worldwide. We also appreciated the speed of Remitbee transfers, with the option to send same-day transfers to most countries. We did find that exchange rate markups vary depending on where you’re sending money, and the transfer fee varies depending on your payment method—so it’s not always the cheapest option. But we did appreciate that Remitbee is transparent about costs and offers a money-back guarantee if the funds don’t reach your recipient, so it’s a solid option if you’re searching for the best international money transfer app. Pros & cons Pros Free first transfer Money-back guarantee Supports a wide range of payment methods 24/7 support Cons No credit card payments Watch out for exchange rate markups and transfer fees

Pesa: Provides competitive rates for select countries

Finder score 8.4 Great Pesa

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Why we like it We hadn’t heard a whole lot about Pesa before putting it to the test, so we were pleasantly surprised to find that it’s a legit contender for your next transfer. When we used it to send $200 to India, we were quoted a competitive exchange rate markup of 0.53% and $0 transfer fees. We liked the fact that you can send money in a matter of minutes, but it’s worth noting that, like all transfer apps, Pesa’s rates vary depending on where you’re sending your transfer. We also liked the simple and user-friendly layout of the Pesa app, so it’s a solid pick if you’re searching for the best international money transfer app. Pros & cons Pros No fees Competitive rates to popular destinations Get money to your recipient in seconds Multi-currency support Cons Higher exchange rate markups for some destinations Doesn’t support as many destinations as some other apps

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Money transfer app ratings

Preview of the money transfer apps

We calculated the true cost markups of the best money transfer apps

How much does it really cost to send an international money transfer? To find out, we checked how much each app featured in this guide charges to send money to the following destinations: India, Nigeria, the Philippines, France, Mexico and Australia.

We chose the cheapest payment and receiving methods available, and we compared the exchange rates quoted for a $250 transfer. The figures quoted in the table below are approximations, so costs may vary for your specific transfer.

True cost markup calculations

How to choose the best money transfer app

Make sure you consider the following factors when comparing money transfer apps.

Exchange rate

The mid-market rate is the “true” exchange rate between a pair of currencies. Some providers give you the mid-market rate when you send an international transfer, but most don’t. Instead, they add a margin on top of the mid-market rate when they convert your Canadian dollars to another currency.

We found that this markup can range anywhere from 0.1% to 5%, depending on the provider and where you send money. So even if an app advertises “$0 transfer fees,” don’t be tricked into thinking your transfer is free.

It’s also important to remember that some providers offer special promo rates for your first transfer, but their regular rates are not as good.

Fee

Some providers charge a transfer fee. This could be a flat fee or an amount calculated as a percentage of your transaction. Percentage fees add up for large transfers, but some providers waive the fee on large transfers. Paying with a credit card often attracts higher fees, so it may be cheaper to pay by e-Transfer or bank transfer.

Supported currencies and countries

Some apps support a handful of currencies, while others let you send money to just about any country around the world. Make sure the app you choose supports the right transfer destinations.

Payment methods

Check how you can pay for your transfer. Common methods include e-Transfer, bank transfer, wire transfer, debit card and credit card. Some providers also let you pay cash in-store.

Payout methods

Depending on the app you choose, you might be able to send funds to your recipient’s bank account, mobile wallet or debit card. Some providers also allow you to send cash pickup transfers or offer cash home delivery.

Take note that not all receiving methods are available in all destinations—for example, a provider may only offer cash pickup or mobile wallet transfers in specific locations.

Transfer speed

Check how long it will take for your recipient to get the money. Cash, debit and credit card transfers typically arrive quicker than bank wire transfers, and in some cases, it’s possible to complete a transaction in minutes.

Customer support

Check how you can contact customer support if you have a problem with your transfer. Are phone, email and live chat available? During what hours? Do other customers leave positive reviews about the support they receive?

Regulation and security

Check whether the transfer app is registered as a Money Services Business with FINTRAC. You can also check reviews on sites like the Better Business Bureau and Trustpilot for added peace of mind.

Don’t forget to read up on any security features the app offers to protect your funds, such as data encryption and multi-factor authentication.

Bottom line

There are lots of great options if you want to send an international money transfer from Canada. The best apps offer great exchange rates, low fees, fast transfers, and support for a wide range of payment methods. Compare your options today to find the best international money transfer app for the transfer(s) you want to send.

Frequently asked questions

• Do banks offer competitive money transfer services?

  Generally speaking, no, banks do not offer competitive money transfer services. They tend to have higher exchange rate markups and also charge transfer fees, so you can usually find better deals from specialist money transfer providers.

• What are the best apps to send money to India?

  We tested 19 money transfer apps to find the best apps for sending money to India. We found that Western Union and Remitly were the best options for transfers to India, with the providers earning Finder scores of 9.6/10 and 9.5/10, respectively. But we found that Pesa offered the best exchange rate for a $200 send to India, with a low exchange rate markup of 0.53%. Learn more in our full guide to sending money to India.

• What is the best app for money transfers within Canada?

  If you're searching for the best app to send money within Canada, you'll find competitive offerings from most Canadian banks, credit unions and fintechs. Most Canadian financial institutions support Interac e-Transfers, which allow you to send money to someone almost instantly. e-Transfers are quick and convenient, but transaction limits of around $3,000 per day commonly apply.

  With this in mind, the best app for sending money within Canada is essentially the same as the best mobile banking app.

• What are the best money transfer apps for Android?

  Some of the highest-rated money transfer apps for Android among users include Remitly, Xe and Wise. However, the best Android money transfer app for you will depend on where you need to send money, how you want to pay, and how your recipient will access the money you send.

• What are the best money transfer apps for iOS?

  Some of the highest-rated money transfer apps for iOS devices include Remitly, Xe and MoneyGram. However, you'll need to consider the supported currencies, payment and payout methods an app offers before deciding if it's right for you.

• Is Zelle available in Canada?

  No, Zelle is not available in Canada. It is only available in the US.

• What are some payment apps in Canada?

  If you need to send an international money transfer from Canada, apps such as Remitly, Xe, OFX, MoneyGram, Western Union, Paysend, Pesa and Remitbee let you send money from your smartphone. If you're searching for an app you can use to make in-store and online payments, options include Apple Pay, Google Pay and Samsung Pay.

• What money transfer apps work in Canada?

  There are several money transfer apps you can use to send an international money transfer from Canada. Some of the popular options include Remitly, Xe, WorldRemit, Western Union and MoneyGram. Search the app store for your device to find relevant money transfer apps.

• Where can I send money with a mobile app?

  Your list of destination countries depends on the money transfer service you're using. Some like Remitly, WorldRemit and Western Union support transfers to well over 100 countries, while other providers specialize in transfers to specific geographic regions.

• How fast will my money get there when I send an international transfer?

  International money transfers often take anywhere between minutes and several business days to process. The transfer speed ultimately depends on the financial network your transfer service uses to transmit funds, how you pay for the transaction and the type of transfer you're sending. Typically, bank wire transfers take the longest, while transfers funded by cash or debit can be processed almost instantly.

• Is it safe to send an international money transfer?

  Reputable money transfer service providers follow industry-standard practices for protecting customers' sensitive information and handling money securely. This includes data encryption, multi-factor authentication, 24/7 fraud monitoring and more. Banks and other financial institutions follow these types of security practices as well.

  Additionally, money transfer services are required to comply with regulations established by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) to prevent fraud and money laundering.

• What are the apps to send money from Canada to the US?

  There are many international money transfer apps you can use to send money from Canada to the USA. Consider using the providers listed in this guide, or search the app store for your device to compare the available apps.

To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.

Written by

Tim Falk

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Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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