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

Sending money overseas is easier with mobile apps

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Sending money overseas just got easier with apps that let you send money with a few phone taps.

Many major money transfer specialists now offer branded apps to get your money to international friends, family and businesses more easily.

Aside from setting up an account on your computer, with these apps your cash transactions can be completed from your phone.

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

WorldFirst

World First offers a higher $1,000 minimum for money transfers, but with highly competitive exchange rates. Use its app to send money, check rates, follow the market and track payments. Bonus: You can even use your Android Wear watch.

Screenshot of the World First 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 transaction fees
  • Competitive exchange rates
  • Same-day transfers for major currencies
  • No maximum transfer limit

Cons

  • Doesn’t allow small transfers
  • Only accepts bank transfer
  • No cash pickup

Calculate your transfer with WorldFirst

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.876 EUR 4,382 No maximum limit, no fees and competitive exchange rates for 100+ currencies. Go to site Show details

Compare up to 4 providers

|


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

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 Within an hour USD 3.99 0.875 EUR 4,374 Use promo code FINDER to send your first transfer 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

|


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

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 1 - 2 days USD 7.00 0.877 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

|


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

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 3 - 5 days USD 20.00 0.867 EUR 4,316 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Go to site Show details

Compare up to 4 providers

|


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

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$8 1 - 2 days USD 5.00 0.875 EUR 4,373 Exchange money on your terms. Go to site Show details

Compare up to 4 providers

|


OFX

With OFX’s mobile app, send money transfers of $150 or more 190 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

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.874 EUR 4,368 Exclusive exchange rate discounts
No-maximum limit transfers with competitive exchange rates for 100+ currencies.
Go to site Show details

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.

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

Rosie Russell

Rosie is a writer at finder.com, specializing in international money transfers. She's constantly planning her next trip overseas and is on a mission to make personal finance easier to understand.

Was this content helpful to you? No  Yes

US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

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

World First

No maximum limit, no fees and competitive exchange rates for 100+ currencies.

TransferWise

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

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. 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

    • finder 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*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

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

World First

No maximum limit, no fees and competitive exchange rates for 100+ currencies.

TransferWise

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