Best 6 money transfer apps for sending money overseas | finder.com
Cellphone with dollars below it

Sending money overseas is easier with mobile apps

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A quick, secure way to transfer money with a few phone taps.

Many money transfer companies offer apps to make overseas transfers easy, but which app you should use depends on how much you’re sending, where you’re sending it and how fast you need the money to arrive.

What are some of the best money transfer apps in 2018?

WorldRemit

With the World Remit app, you can send money to more than 120 countries for bank deposit, mobile airtime top-up or cash pickup. World Remit has no minimum transfer amount, with high maximums that vary by destination country.

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

Calculate your transfer with WorldRemit

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 Within an hour USD 0.00 0.864 EUR 4,321 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

Compare up to 4 providers

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TransferWise

Send payments to friends, family and businesses in 30 countries with the TransferWise 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 TransferWise.

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

Calculate your transfer with TransferWise

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 1 - 2 days USD 0.00 0.876 EUR
4,380
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details

Compare up to 4 providers

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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

Calculate your transfer with Western Union

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 3 - 5 days USD 20.00 0.858 EUR 4,271 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details

Compare up to 4 providers

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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 ($5)

Cons

  • Limited number of currencies
  • Only bank-to-bank transfers
  • App only available in English

Calculate your transfer with CurrencyFair

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$8 1 - 2 days USD 5.00 0.871 EUR 4,350 Exchange money on your terms. Go to site Show details

Compare up to 4 providers

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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.

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

Calculate your transfer with OFX

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.867 EUR 4,336 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details

Compare up to 4 providers

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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.

WorldRemit International Money Transfers

Why we like: WorldRemit

Send money to 140+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

Your first transfer is free with the code FINDER.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    Next steps

    If you want to up your money transfer game and send cash on the go, a money transfer app may be for you. Just be sure to 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

    Was this content helpful to you? No  Yes

    US International Money Transfers Offers

    Important Information*
    Logo for XE Money Transfer
    XE Money Transfer

    Offering no maximum and no minimum limit transfers with $0 fees.

    Logo for WorldRemit International Money Transfers
    WorldRemit International Money Transfers

    Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

    Logo for TransferWise
    TransferWise

    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

    Logo for CurrencyTransfer
    CurrencyTransfer

    Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.

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    6 Responses

    1. 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

    2. 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

    3. 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

      • Avatarfinder Customer Care
        nikkiangcoOctober 1, 2018Staff

        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

    US International Money Transfers Offers

    Important Information*
    Logo for XE Money Transfer
    XE Money Transfer

    Offering no maximum and no minimum limit transfers with $0 fees.

    Logo for WorldRemit International Money Transfers
    WorldRemit International Money Transfers

    Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

    Logo for TransferWise
    TransferWise

    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

    Logo for CurrencyTransfer
    CurrencyTransfer

    Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.

    Go to site