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Best international money transfer apps

Send money overseas with these top-rated mobile money transfer apps.

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OFX

OFX logo
  • Competitive exchange rates
  • Flexible transfer options
  • Transfer to 50+ currencies
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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 when picking the best money transfer apps.

At a glance: The best international money transfer apps of 2023

  1. Remitly — Money-back guarantee
  2. OFX — Great for large transfers
  3. Wise — Best exchange rate
  4. WorldRemit — Diverse delivery options
  5. Xe Money Transfer — Tracking currency pairs
  6. MoneyGram — Massive global network

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.

Remitly app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhoneAvailable on AndroidAvailable in other languages

Pros

  • Cash pickup available
  • No minimum transfer
  • Large range of destinations, send money to over 100 countries
  • Funds can be received through mobile money

Cons

  • Limit on how much you can send, new accounts are limited to $2,999
  • Fees change depending on the speed of your transfer
  • Requires government-issued ID
Data from November 22, 2022Apple StoreGoogle Play
Rating4.94.8
# of reviews918,03764,217

Calculate your transfer with Remitly

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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Compare up to 4 providers


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.

OFX app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable in other languages

Pros

  • Supports over 50 currencies and has a large bank network
  • Can monitor current and historical exchange rates
  • No transfer fees when sending money
  • Suitable for large transfers

Cons

  • Transfers must be above $1,000
  • Recipient must have a bank account as you can’t transfer to a mobile wallet or cash pickup
  • App only available in English
Data from November 22, 2020Apple StoreGoogle Play
Rating4.84.6
# of reviews3,6223,396

Calculate your transfer with OFX

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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Compare up to 4 providers


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.

Wise app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable 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
  • Not suitable for large transfer due to fees
Data from November 22, 2020Apple StoreGoogle Play
Rating4.64.1
# of reviews26,572231,736

Calculate your transfer with Wise

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
24 hours
From $0
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


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.

WorldRemit app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable in other languages

Pros

  • Cash pickup available
  • No minimum transfer
  • Large range of destinations
  • Funds can be received through mobile money

Cons

  • You can’t send more than $9,000 in a 24-hour period
  • Fees change depending on the amount you transfer
  • Not as many extra features as other money transfer apps
Data from November 22, 2020Apple StoreGoogle Play
Rating4.84.4
# of reviews152,053130,673

Calculate your transfer with WorldRemit

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
WorldRemit
Within minutes
From $1.99
Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.
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


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.

Xe app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable in other languages

Pros

  • No transfer fees charged above $500
  • 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
  • Limited cash pickup
  • Slow transfer speeds
Data from November 22, 2020Apple StoreGoogle Play
Rating4.33.6
# of reviews‎5,219110,953

Calculate your transfer with Xe

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
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Compare up to 4 providers


6. MoneyGram

Use MoneyGram’s app to send money to more than 200 countries and territories around the world. You’ll also get access to a map of worldwide agent locations and their directions and hours for cash pickups.

MoneyGram app screenshot

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable in other languages

Pros

  • Almost-instant transfers to cash pickup
  • Can pay with bank transfer, cash or card
  • Over 350,000 agent locations in more than 200 countries

Cons

  • Less competitive exchange rates
  • Transfer fees to some countries can be significant
  • Low maximum transfer limits
Data from Nov 22, 2020Apple StoreGoogle Play
Rating4.84.6
# of reviews351,08175,455

Calculate your transfer with MoneyGram

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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Compare up to 4 providers


Sending money domestically?

The best apps for sending money domestically within the US are all free. The only reason you’d need to pay to send money within the US is if you’re sending to someone who doesn’t have access to a bank account and a smart device, or who wants to pick up cash in person.

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. Always compare providers with the knowledge that a provider may have no fees, but a bad exchange rate.

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 specialize 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 worried about timing, most providers take anywhere between one and 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.

Frequently asked questions

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6 Responses

    Default Gravatar
    PaulMay 13, 2019

    Hello,

    How do I link my CIBC canada online banking to the app to help me send money from Canada to my family and friends abroad and Ghana. My credit card can no longer be added to anything as I have blocked it so I want to link my bank account directly.

      Avatarfinder Customer Care
      JeniMay 13, 2019Staff

      Hi Paul,

      Thank you for getting in touch with Finder.

      Kindly visit your chosen platform that you’re considering to link your Canadian bank account with. If you’re having issues on adding your bank account with a certain app, please reach out to their support team.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    SwazzyFebruary 20, 2019

    Can all these apps money transfer be used to transfer money from South Africa to Nigeria?

      Avatarfinder Customer Care
      ValFebruary 20, 2019Staff

      Hi Swazzy,

      Thank you for leaving a question. For apps that you can use to transfer money from South Africa to Nigeria – you may want to check on TransferWire and WorldRemit as possible options.

      Hope this helps.

      Cheers,
      Val

    Default Gravatar
    LivSeptember 22, 2018

    Hey am in Finland and I would like to use my card to send money to uganda, it looks like the company manage those apps are in United States and am in Finland we use Euros here. There is any app I can use here in Finland with low sending fees? Thanks

      Default Gravatar
      nikkiangcoOctober 1, 2018

      Hi Liv,

      Thanks for your message and visiting finder.

      As of the moment, we don’t have a list of brands that offer money transfer from Finland to Uganda. The companies listed above are available to people in the US only. You might want to check the money service providers available in Finland.

      Sorry, I couldn’t be of help to you at this time. I can have our publishers review this topic and hopefully have this added to our pages in the future.

      Hope this helps! Feel free to message us should you have further questions.

      Cheers,
      Nikki

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