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Fastest ways to make an emergency money transfer

If you or a loved one are in an emergency and need cash quickly, here are your best options.

Online money transfer services offer some of the fastest ways to transfer money to someone in cash or for direct deposit in an emergency – but which provider you should use depends on how much you’re sending and how quickly you need it to arrive.

Compare the fastest international money transfers

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you’re ready to send.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 10 1 - 2 days HKD 140.00 0.128 USD
1,266
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
USD 10 1 - 2 days HKD 25.00 0.127 USD
1,268
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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SGD 1 1 day HKD 42.00 0.128 USD
1,279
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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USD 50 1 day HKD 35.00 0.128 USD
1,280
獨家優惠:使用代碼FINDER10,你的頭一次匯款即能享有$10美元折扣。Use code FINDER10 to receive US$10 off your first transaction.
InstaReM 提供簡單的匯款服務,大部分的匯款劃一收取0.5%的手續費。InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers.
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USD 1 Within an hour HKD 20.00 0.128 USD
1,276
使用優惠代碼FREE,你的首次匯款即可享免手續費。條款及條件適用。Use promo code FREE to send your first transfer with no fee. T&Cs apply.
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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GBP 5,000 1 - 2 days HKD 0.00 0.126 USD
1,265
可匯款至20+個國家,無手續費。 CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace. Go to site Show details
USD 2,000 1 day HKD 0.00 0.126 USD
1,265
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。 TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What is the fastest way to transfer money internationally?

There may be occasions where you need to get money to friends or family in an emergency. In most cases, the fastest way to send money internationally is by using an online money transfer company.

Some money transfer services allow you to send funds almost instantly, with the recipient able to collect in cash or via a bank deposit. Apart from the speed, another advantage of using online transfer services is that you can easily compare fees and exchange rates and choose the most favourable for your transaction. To learn more about how exchange rates are calculated, take a look at exchange rates explained.

Which are the fastest services to use when sending money abroad?

When there is an emergency, getting money out as quickly as possible is key. WorldRemit, MoneyGram and Western Union are the three providers with the fastest money transfer services.

WorldRemit

WorldRemit is entirely online, which means you can access it from the convenience of your computer or via its app. Your fastest option would be to use mobile money (if available) or cash pickup at a WorldRemit agent location. If you need to find a cash pickup location for WorldRemit you can check out our locations guide.

WorldRemit money transfers logo
WorldRemit at a glance
  • Maximum transfer: $5,000
  • Minimum transfer: $1
  • Transfer speed: Within 1 hour
  • Transaction fee: $3.99
How can I send money quickly?

You’ll need to sign up for a free account with WorldRemit. You’ll also need to provide your personal information, the transaction details and your payment information.

What happens next?

WorldRemit will confirm the transaction with both you and your recipient by email or text and notify you when the funds are received or picked up. If you have any problems, you can contact customer service 24/7 at 888-772-7771 or online through live chat.

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MoneyGram

MoneyGram is the second-largest provider of international money transfers in the world. It has an extensive network of 350,000 agent locations in more than 200 countries. Your fastest option is to pay with a credit or debit card (or with cash at an agent location) and choose the cash pickup option. In some countries, you could even use the mobile wallet option.

MoneyGram International Money Transfers logo
MoneyGram at a glance
  • Maximum transfer: $6,000
  • Minimum transfer: $1
  • Delivery speed: Typically within minutes, but up to 1 day
  • Transaction fee: Varies by amount
How can I send money quickly?
  • Head to the MoneyGram site and start a transfer using your bank account, credit card or debit card.
  • Use MoneyGram’s online locator tool or call to find a location near you.
What happens after?

Once the money transfer is complete, the receiver can visit their nearest MoneyGram location to collect it. Remind them to bring along their reference number (which is included in the confirmation emails for online transfer) and ID for pickup. If you have a problem, contact customer service through the site or toll-free at 800-666-3947.

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Western Union

Western Union has 500,000 agent locations in 200 countries, making it the largest provider of international money transfers in the world. As with MoneyGram, your fastest option is to pay by debit or credit card for cash pickup.

Western Union Money Transfers logo

Western Union at a glance
  • Maximum transfer: $7,500
  • Minimum transfer: $1
  • Transfer speed: In minutes if using a debit or credit card for cash pickup
  • Transaction fee: Typically around 5% of the transfer
How can I send money quickly?
  • Head to Western Union’s website. You’ll need your personal information, your recipient’s details and a valid method of payment to make the transfer.
  • Visit a Western Union location near you with cash or a debit card.
What happens next?

You’ll receive a unique Money Transfer Control Number with your confirmation. You can track your transfer online with this number. If you have any problem, contact customer service 24/7 at 800-325-6000 or through the online form on Western Union’s site.

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What factors affect the speed of a money transfer?

There are several factors that can affect how fast your intended recipient receives their transfer, and they are worth keeping in mind if you need to send money in an emergency.

    • Transfer destination. Where you are sending money to will impact the speed of your transfer. It’s often faster to send money between countries where financial exchange is commonplace. Just remember that every transfer destination involves specific banking regulations and procedures, which could potentially delay transfers.
    • Payment method. How you choose to pay for your transfer will determine the processing speed. Typically paying by credit or debit card is your fastest option.
    • Receiving method. The form your intended recipient chooses to receive their funds will also affect the transfer time. You will find that a cash pickup can be done almost instantaneously.
    • Signing up to an account. If you are not already registered with a money transfer service, it can take time to apply for an account and provide the required supporting documents.

What do I need to look out for when sending cash quickly?

Fees for emergency transfers will vary among banks and money transfer services. Before you make your transfer, try to compare the following:

      • Exchange rates. Money transfer services make money by skewing exchange rates. You’ll want to look for a rate that’s as close to the mid-market rate as possible.
      • Transfer fees. Fees can range from flat fees of a few dollars to up to $80 or more, depending on how you’re sending it or picking it up.
      • Transfer options. Can your recipient accept a bank account transfer, or do they need to pick up cash right away?
      • Security. For emergencies, you’ll appreciate being able to track your transfer through to receipt.

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