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Best international money transfer apps

Send money overseas with these top-rated mobile apps.

Promoted

Wise (TransferWise)

Wise (TransferWise) logo
  • Fair service fees and mid-market rates – a major market differentiator
  • Next-day delivery for most currencies
  • Easy-to-use app
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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.

At a glance: The best money transfer apps in 2020

  1. Remitly — Money-back guarantee
  2. OFX — No maximum limit
  3. Wise — Mid-market rate
  4. WorldRemit — Diverse delivery options
  5. Western Union — Massive global network

1. Remitly

With the Remitly app, you’ll be given an exact date and time for when your money will be available for your recipient. If your transfer is late, Remitly has a money-back guarantee. Learn more about this and other features before downloading the app to make sure it’s the right fit for you.

Remitly 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

  • Cash pickup available
  • No minimum transfer
  • Large range of destinations
  • Funds can be received through mobile money

Cons

  • Limit on how much you can send
  • Fees change depending on the speed of your transfer
  • Requires government-issued ID
Data from 3 September 2020Apple StoreGoogle Play
Rating4.84.7Average rating: 95%
# of reviews7251,247Total reviews: 51,319

Calculate your transfer with Remitly

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
SGD 0 Same day SGD 4.99 0.726 USD
723
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.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

2. 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.

OFX 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

  • 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 SGD 2000
  • Doesn’t accept credit card or cash as payment
  • App only available in English
Data from 3 September 2020Apple StoreGoogle Play
Rating4.74.4Average rating: 91%
# of reviews232,387Total reviews: 2,410

Calculate your transfer with OFX

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

3. Wise

Send payments to friends, family and businesses in 30 countries with the Wise app. It includes a calculator you can use to 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 Wise.

Wise 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 amount
  • Uses the mid-market rate
  • Transparent with fees
  • Can pay with Apple Pay and Google Pay (although paying by card incurs higher fees)

Cons

  • No cash pickup
  • Not as many currencies as other providers
Data from 3 September 2020Apple StoreGoogle Play
Rating4.44.3Average rating: 87%
# of reviews59786,610Total reviews: 87,207

Calculate your transfer with Wise

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
SGD 1 1 - 2 days SGD 4.50 0.735 USD
731
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

4. WorldRemit

With the WorldRemit app, you can send money to more than 150 countries for bank deposit, mobile airtime top-up and even cash pickup. 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

  • 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
Data from 3 September 2020Apple StoreGoogle Play
Rating4.64.1Average rating: 87%
# of reviews1,40073,203Total reviews: 74,603

Calculate your transfer with WorldRemit

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
SGD 1 Same day SGD 3.99 0.731 USD
7,310
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.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

5. 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

  • 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
Data from 3 September 2020Apple StoreGoogle Play
Rating43.8Average rating: 78%
# of reviews303857Total reviews: 1,160

Calculate your transfer with Western Union

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
SGD 1 Same day SGD 5.00 0.71 USD
706
Western Union sends money online to friends and family in 200+ countries around the world. Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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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