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Pay overseas bills with an international money transfer

Find an affordable and easy way to manage your overseas bill payments with international money transfers.


Wise (TransferWise)

Wise (TransferWise) logo
  • Next-day delivery for most currencies makes paying bills on time easy
  • Competitive service fees and mid-market rates
  • Easy-to-use app
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It can be enough trouble keeping up with bills at home without having to worry about managing them from abroad. Nevertheless, you need to pay your mortgage or rent wherever you happen to be, and utility bills and business expenses often can’t wait for you to return home. Or perhaps you simply want to help out loves ones abroad.

International money transfers aren’t complicated or expensive. And those better-known companies are no longer your only options. Newer digital providers are undercutting the competition on exchange rates, feeds and speeds — as well as making it easier than ever to get your money where it needs to go around the world.

How can I pay overseas bills?

Just as online payments are phasing out the need to write checks to pay your bills, more affordable online options for sending money overseas are rendering older methods unnecessary.

While you can still send a secure international check overseas to pay bills or help family, you’d need to pay a fee and be willing to wait for the check to arrive. Similarly, sending an international wire transfer with your bank is no longer the most convenient or affordable option. With a bank, you’ll typically pay fees of up to $35 to $40 and receive exchange rates that are anywhere from 2% to 5% or more above the mid-market rate.

Unlike your typical US bank, an independent money transfer provider specializes in one thing: safely moving your money from the US to countries around the world. This one focus means that they can offer more options — and stronger exchange rates — than a bank can.

While the best-known providers include Western Union and MoneyGram, the past decade has seen a rapid rise in specialist competitors.

Providers like OFX, Wise and WorldRemit allow you to send bank account transfers overseas, but with much stronger exchange rates and lower fees than you’d pay with your local bank. Not only that, but they’re also fast and secure.

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Why would I need to send money overseas?

With an expanding global economy, your needs for sending money overseas could include:

  • Rent. Whether you need to pay rent back home while you’re on vacation or maintain an overseas rental for a relative, you might need to send an overseas payment.
  • Mortgage. Your mortgage obligation doesn’t go on vacation when you do, so you may need to take care of a payment for your domestic or overseas home.
  • Utilities. Bills for gas, water and electricity keep coming, even when you are away.
  • Goods and services. If you’re purchasing items overseas, you’ll need an efficient way to get money to the seller — and a credit card payment isn’t always an option.
  • Paying staff or contractors. Whether you’re employing people overseas for your business or hiring workers to build you a house, you’ll need to ensure they’re paid promptly.
  • Family ties. Lots of us are helping out loved ones abroad — or surprising them with celebratory funds.
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Money transfers services to pay international invoices

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.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

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OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours

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Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
24 hours
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

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Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Within minutes

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XE has fast transfers with low fees and a range of foreign currency tools.
Within an hour
From $1.99

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WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within an hour

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Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

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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.
Western Union
Within an hour
From $0

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Western Union sends money online to friends and family in 200+ countries around the world.
Within an hour
From $0

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MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.

Compare up to 4 providers

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What are my international money transfer options?

  • Bank transfers. Many major US banks will allow you to wire money to banks around the world. But with higher fees and weaker exchange rates than you’ll find elsewhere, bank transfers aren’t a cost-effective way to pay overseas bills.
  • Online money transfer services. Online providers can offer more competitive exchange rates and lower fees — sometimes $0 fees, depending on how much you’re sending.
  • Providers with cash pickup. While many bills these days are paid electronically, sometimes you need to send cash. Western Union, MoneyGram and Ria offer fast, reliable transfers that your recipient can collect in cash from agents worldwide.
  • Checks and money orders. Although not a quick option, you could send an international check overseas, obtained from your bank or US Postal Service.
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How can I compare money transfer providers?

With so many companies competing for your business, choosing the right one can be difficult. Before handing over your cash, compare:

  • Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
  • Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
  • Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
  • Payment and delivery methods. Some transfer companies allow you to pay with a credit card online, by phone or through an app. Others offer agent locations for cash payments and pickups. Also ask how your recipient can receive your funds: bank account, cash pickup, mobile wallet and more.
  • Available currencies. Consider whether the currencies and countries will serve your international bill payment requirements into the future.
  • Transfer speed. If it needs to be there fast, some providers allow for quick cash pickups, often in minutes. If you’ve more time, you’ll get better rates and fees with an independent provider.
  • Customer service. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.

When comparing fees, remember that companies with most advantageous exchange rates sometimes charge the highest fees.

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What are the pros and cons of paying overseas bills with an international money transfer?


  • It’s easy. You can send money overseas with a few simple clicks and by providing basic personal information.
  • It’s convenient. Send transfers from the comfort of your home or from your smartphone anywhere.
  • Stay on top of your finances. Whether you’re on vacation or live on the other side of the world, international money transfers allow you to stay current with your bill payments.


  • Fees apply. As if bills aren’t annoying enough, tacking on a transfer fee can be frustrating.

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