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Best international money transfer apps

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

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The majority of money transfer providers now have mobile apps that allow you to send money from New Zealand from the convenience of your phone. We’ve rounded up a selection of the most popular money transfer apps, and outlined their pros and cons to help you make a decision about which one is right for you.

1. TorFX

TorFX lets you send money in over 40 currencies and is one of the leading money transfer services. You can make personal or business transfers through TorFX and its app comes with a number of features such as transfer tracking and real-time exchange rates.

Screenshot of the TorFX app

Features in the app

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

Pros

  • Competitive exchange rates above $2,000
  • TorFX will match any competitor’s rate (as long as it’s not above mid-market rate)

Cons

  • Doesn’t offer cash pick-up
  • Not suitable for transfers under $2,000 as you’ll get a less competitive rate
  • Doesn’t accept cash or cheque payments
  • App only available in English

Calculate your transfer with TorFX

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
TorFX
24 hours
$0

View details
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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Compare up to 4 providers


2. Wise

Wise aims to make the exchange process as cheap and transparent as possible. The app also lets you set up repeat payments for ongoing transfers.

Screenshot of the Wise app

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 pick-up
  • Not as many currencies as other providers

3. OFX

With OFX’s app, you can send money to over 190 countries worldwide. The app also has a range of extra features, like being able to set rate alerts that can help you take advantage of the best times to transfer.

Screenshot of the OFX app

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable 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

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
From $15

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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Compare up to 4 providers


4. WorldRemit

The WorldRemit app lets you send money to more than 120 countries around the world. With no minimum transfer amount, WorldRemit lets you take advantage of competitive exchange rates when making your transaction.

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 pick-up 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

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
WorldRemit
Within minutes
$1.99

View details
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
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. WorldFirst

WorldFirst requires a higher minimum for money transfers but offers competitive exchange rates. The app specialises in fast transfers and you can use its extra features, like the currency converter and market updates, without signing up.

Screenshot of the WorldFirst app

Features in the app

Live exchange ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable 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 pick-up

Calculate your transfer with WorldFirst

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

View details
Exclusive offer: Discounted exchange rates for all Finder customers.
WorldFirst sends 60+ currencies at competitive rates. If you find a better eligible quote, WorldFirst will beat it.
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Compare up to 4 providers


6. 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 ratesSet rate alertsTrack your transfer
Available on iPhone Available on AndroidAvailable 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

1 - 1 of 1
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
CurrencyFair
Within minutes
From $0

View details
Special offer: New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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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 pick-up, 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.

Picture: Shutterstock

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