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Best international money transfer apps

Send money overseas with these top-rated mobile apps.

Mobile 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.

Money transfer apps for sending money from the Philippines in 2020

WorldRemit — Diverse delivery options

Western Union — Massive global network

1. WorldRemit

With the WorldRemit app, you can send money to more than 75 countries for mobile airtime top-up. 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 rates

Set rate alerts

Track your transfer
Available on iPhone Available on Android
Available in other languages

Pros

  • 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
Data from May 5, 2020Apple StoreGoogle Play
Rating4.84.3Average rating: 91%
# of reviews57,96062,456Total reviews: 120,416

Calculate your transfer with WorldRemit

Name Product Minimum Transfer Transfer Time Transfer Fee
WorldRemit
PHP 1
1 - 2 days
USD 3.99
Use promo code FREE to send your first transfer with no fee. T&Cs 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


2. 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.

Western Union app screenshot

Features in the app


Live exchange rates

Set rate alerts

Track your transfer
Available on iPhone Available on Android
Available in other languages

Pros

  • Send money to over 200 countries
  • Multiple agent stores in most cities
  • Transfers to many currencies

Cons

  • Need to go to an agent location to pay for transfer
  • Less competitive exchange rates
  • Transfer fees to some countries can be significant
Data from May 5, 2020Apple StoreGoogle Play
Rating4.84.5Average rating: 94%
# of reviews263,339156,281Total reviews: 419,620

Calculate your transfer with Western Union

Name Product Minimum Transfer Transfer Time Transfer Fee
Western Union
PHP 1
Same day
3.4%
Western Union sends money online to friends and family in 200+ countries around the world.
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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. 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.

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