Best international money transfer apps in 2021 | Finder Ireland

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Best international money transfer apps

Send money overseas with these top-rated mobile apps.

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Wise (TransferWise) - Ireland

Wise (TransferWise) - Ireland logo
  • Government regulated
  • Supports 45+ currencies
  • Uses the mid-market rate
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Mobile money transfer apps make sending money internationally convenient, but which app is the best? Depending on where you’re sending 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. 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 in our review before downloading the app to make sure its the right fit for you.

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 28 July May 2020Google PlayApple Store
Rating4.24.8Average rating: 84%
# of reviews70,1721,500Total reviews: 71,672

Calculate your transfer with WorldRemit

Data updated regularly
Name Product Minimum Transfer Transfer Time Online Transfer Fee
WorldRemit - Ireland
EUR 1
Same day
Varies
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Compare up to 4 providers


2. Wise

Send payments to friends, family and businesses in 30 countries with the Wise app. It includes a calculator you can use 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.

Screenshot of the TransferWise 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 28 July 2020Google PlayApple Store
Rating4.34.8Average rating: 87%
# of reviews84,9382,400Total reviews: 87,338

Calculate your transfer with Wise

Data updated regularly
Name Product Minimum Transfer Transfer Time Online Transfer Fee
Wise (TransferWise) - Ireland
EUR 1
1-2 days
Varies
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
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Compare up to 4 providers


3. Western Union

Use Western Union’s Money Transfer app to transfer funds to more than 200 countries and territories around the world. You’ll also gain access to a map of worldwide agent locations and their directions and hours 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 28 July 2020Google PlayApple Store
Rating4.54.8Average rating: 90%
# of reviews51,888380Total reviews: 52,268

4. CurrencyFair

The CurrencyFair app lets you exchange money at a fairer exchange rate than what you’d find at the bank. With low fees and minimum transfer amounts, the app makes international money transfers convenient.

Screenshot of the CurrencyFair 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

  • Low fees
  • Minimum transfer amount is small

Cons

  • Limited number of currencies
  • Only bank-to-bank transfers
  • App is only available in English
Data from 28 July 2020Google PlayApple Store
Rating4.34.7Average rating: 89%
# of reviews381174Total reviews: 555

Calculate your transfer with CurrencyFair

Data updated regularly
Name Product Minimum Transfer Transfer Time Online Transfer Fee
CurrencyFair - Ireland
EUR 5
1-2 days
Varies
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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Compare up to 4 providers


5. OFX

With OFX’s mobile app, send money transfers of GBP£100 (or equivalent) 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.

OFX app screenshot

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 GBP£100 or equivalent
  • Doesn’t accept credit card or cash as payment
  • App only available in English
Data from 28 July 2020Google PlayApple Store
Rating4.64.7Average rating: 90%
# of reviews2,21016Total reviews: 2,363

Calculate your transfer with OFX

Data updated regularly
Name Product Minimum Transfer Transfer Time Online Transfer Fee
OFX - Ireland
EUR 100
1-2 days
EUR 0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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Compare up to 4 providers


6. 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.

XE app screenshot

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 28 July 2020Apple StoreGoogle Play
Rating4.64.5Average rating: 90%
# of reviews4,51289,686Total reviews: 96,030

Calculate your transfer with XE

Name Product Minimum Transfer Transfer Time Transfer Fee
XE Money Transfers - Ireland
EUR 1
Same day
EUR 2
XE has fast transfers with no fees and a range of foreign currency tools.
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Compare up to 4 providers


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

If you want to send cash on the go, a money transfer app may be for you. Always compare the exchange rates, transfer fees and other details of money transfer specialists to ensure you get the best deal for your needs.

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