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Best international money transfer apps

It's easy to send money overseas with these mobile apps.

Promoted

Wise (TransferWise)

Wise (TransferWise) logo
  • Fair service fees and mid-market rates – a major market differentiator
  • Next-day delivery for most currencies
  • Easy-to-use app
Go to site

Many major money transfer specialists now offer mobile apps that let you send money globally from the convenience of your phone.

We’ve rounded up a selection of the most popular apps from major international money transfer providers, and outlined their pros and cons to help you make a decision about which one is right for you.

At a glance: The best international money transfer apps of 2021:

Wise

Wise aims to make the exchange process as cheap and transparent as possible. The app also lets you set up repeat payments for ongoing transfers.

Screenshot of the Wise app

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 10 April, 2021Apple StoreGoogle Play
Rating4.64.5Average rating: 90%
# of reviews319115,229Total reviews: 115,548

Calculate your transfer with Wise

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 10 1 - 2 days HKD 14.00 0.129 USD
127
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

Compare up to 4 providers

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

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TorFX

TorFX lets you send money in over 40 currencies and is one of the leading money transfer services. You can make personal or business transfers through TorFX and its app comes with a number of features such as transfer tracking and real-time exchange rates.

Screenshot of the TorFX app

Features in the app


Live exchange rates

Set rate alerts

Track your transfer
Available on iPhone Available on Android
Available in other languages

Pros

  • Competitive exchange rates
  • No added fees

Cons

  • Doesn’t offer cash pickup
  • Doesn’t accept cash or cheque payments
  • App only available in English
Data from 10 April, 2021Apple StoreGoogle Play
Rating/4.1Average rating: 82%
# of reviews/184Total reviews: 184

Calculate your transfer with TorFX

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 2,000 1 day HKD 0.00 0.127 USD
1,267
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.
Go to site Show details

Compare up to 4 providers

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

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OFX

With OFX’s app, you can send money to over 190 countries worldwide. The app also has a range of extra features, like being able to set rate alerts that can help you take advantage of the best times to transfer.

Screenshot of the OFX app

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 $250
  • Doesn’t accept credit card or cash as payment
  • App only available in English
Data from 10 April, 2021Apple StoreGoogle Play
Rating4.74.5Average rating: 90%
# of reviews492,720Total reviews: 2,769

Calculate your transfer with OFX

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 100 1 day HKD 15.00 0.127 USD
125
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Show details

Compare up to 4 providers

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

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WorldRemit

The WorldRemit app lets you send money to more than 120 countries around the world. With no minimum transfer amount, WorldRemit lets you take advantage of competitive exchange rates when making your transaction.

Screenshot of the WorldRemit app

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 10 April, 2021Apple StoreGoogle Play
Rating4.74.2Average rating: 84%
# of reviews24488,291Total reviews: 88,535

Calculate your transfer with WorldRemit

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 Within an hour HKD 2.00 0.128 USD
128
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.
Go to site Show details

Compare up to 4 providers

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

Western Union

As the world’s largest money transfer company, Western Union is a widely recognised brand. The app offers money transfers to more than 200 countries around the world as well as a map of worldwide agent locations and directions for cash pickups.

Screenshot of the Western Union app

Features in the app


Live exchange rates

Set rate alerts

Track your transfer
Available on iPhone Available on Android
Available in other languages

Pros

  • Almost-instant transfers to cash pickup
  • Can pay with bank transfer, cash, card or Apple Pay
  • Transfers to many currencies

Cons

  • Less competitive exchange rates
  • Transfer fees to some countries can be significant
Data from 10 April, 2021Apple StoreGoogle Play
Rating4.24.4Average rating: 87%
# of reviews5451,379Total reviews: 1,924

Calculate your transfer with Western Union

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1 Same day HKD 0.00 0.129 USD
129
可匯款至全球超過200個國家. Western Union sends money online to friends and family in 200+ countries around the world. Show details

Compare up to 4 providers

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

How can I compare money transfer services?

A key factor in choosing an app is the service behind it. Compare these features before making your decision.

exchange rates icon

Exchange rates

Different providers will offer you different exchange rates. It’s generally not the one you’ll see on Google or XE, otherwise known as the mid-market rate. To make a profit, transfer services add on a margin to the exchange rate to cover their own fees. So a provider may have no fees, but a bad exchange rate – this is why it’s important to compare.

Money transfer fees icon

Fees

Providers charge fees in either flat rates, percentages or not at all. These fees can also change depending on what you’re sending and how you’re sending it. For example, larger transfers are generally cheaper, while money transfers using your credit card can incur higher fees.

Money transfer speed icon

Speed

Sometimes you need to get money to someone fast. Some providers specialise in cash pickup, which means your recipient can pick up the money you send almost instantly. This does come at a higher price, however. If you’re not too fussed with timing, most providers take anywhere between one to four days to deliver the money at a much lower fee.

Bottom Line

You can get more value for your money by comparing both the providers themselves and their apps. Make sure to check with the provider regarding the currency you want to send since fees and regulations can change depending on the country.

Picture: Shutterstock

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