Sites like Chase wire transfers for sending money overseas

The best alternative companies to Chase for sending a money transfer.

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Chase is the banking arm of JPMorgan & Chase. It offers secure money transfers overseas via international wire transfers. Order a transfer online or at your local Chase branch in more than 35 currencies. Chase offers step-by-step instructions to help you through your first transfer and ranks in the top two for customer satisfaction among large US banks.


  • High daily wire limit. You can send up to $100,000 online, and any amount via telephone or branch location.
  • Recurring wire transfers. You can set up recurring wire transfers via telephone or branch location.
  • Same-day service. If you initiate the wire transfer before 4 p.m. EST, you can get your money transferred the same day.


  • High fees. You’ll pay either $40 or $45 to send an international wire transfer, and to receive a transfer, you’ll pay $15.
  • Poor exchange rates. Compared to independent transfer services, Chase doesn’t have the most competitive exchange rates.
  • Bank-to-bank transfers only. You can’t send money to be picked up in cash or to mobile wallets.
  • Chase customers only. You need to bank with Chase and set up a checking account to make a transfer.

Even though Chase is a popular bank, there are most likely cheaper options out there. Compare services like Chase below.

Alternative sites like CHASE

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XE Money Transfer Logo” width=

1. XE Money Transfer

XE Money Transfer is a service designed to help you transfer your funds to a bank in a foreign currency — it doesn’t allow same-currency transfers like Chase does. If you’re working far from home, XE is ideal for getting cash to your family or making investments overseas. Given how easy it is to transfer your money to foreign companies in their currency, it’s especially ideal for business accounts. Both XE and Chase have high online maximum transfer amounts of $500,000 and only offer bank-to-bank transfers. However, XE outnumbers Chase in the currencies it has available to trade in: 120 compared to Chase’s mere 35. XE also has no transfer fees and more competitive exchange rates than Chase, so you’ll likely save money going with this independent money transfer company.


  • No transfer fees
  • Trade in over 120 currencies, allowing for money transfers to over 200 countries
  • Competitive exchange rates save you money in the long run
  • Quick turnaround means transfer is complete in 3 to 5 days


  • Bank-to-bank transfers only
  • No same-currency transfers
  • Exchange rate comparison tool not available until after you’ve registered with the site
Go to XE Money Transfer website

transferwise logo

2. TransferWise

TransferWise is a money transfer site designed to help you save money on exchanges through a peer-to-peer system. Its unique system allows you to exchange your funds with those of another seeking to convert their money to your currency. It’s basically trading money with another person, but it doesn’t cross borders. Because of its unique platform, TransferWise doesn’t allow for same-currency transfers like Chase does, but it does offer mid-market exchange rates with no hidden fees. While both Chase and TransferWise only allow for bank-to-bank transfers, Chase has a higher online transfer limit of $500,000 compared to TransferWise’s $49,999 limit.


  • $3 fee for transfers up to $300; a fee of 1% of the amount sent for transfers up to $5,000; a fee of 0.7% on any amount over the initial $5,000
  • Low minimum transfer amount of $1
  • High transfer limits — can send up to $49,999 a day and $199,999 a year
  • Apps for both iOS and Android
  • Uses mid-market exchange rate with no hidden fees


  • Transfers to bank accounts — no cash pickup option
  • No same-currency transfers
  • Two-step process means you must first wire your money to TransferWise, which then deposits the money to your recipient’s bank account
  • Requires a Social Security number to send money
Go to TransferWise website

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3. WorldRemit

WorldRemit offers a variety of flexible payment options in more than 140 countries worldwide, including paying via debit or credit card, bank account, Android Pay or Apple Pay. This far surpasses Chase’s limited bank-to-bank transfer option in just 35 currencies. While Chase has a set transfer fee of $40 or $45, WorldRemit’s fees vary by country you’re sending funds to. Chase’s high maximum sending limit of $500,000 makes it ideal for larger businesses, while WorldRemit’s maximum transfer amount of $5,000 makes it ideal for smaller ones.


  • Low minimum transfer amount of $1
  • Available in over 140 countries worldwide
  • Flexible payment options, including debit or credit card, bank transfer, Android Pay and ApplePay
  • Transfers to mobile wallet accounts
  • Cash pickup available
  • Home delivery available
  • Mobile airtime account transfers


  • The higher your transfer, the greater the transfer fees
  • Low maximum transfer amount of $5,000
Go to WorldRemit website

travelex logo

4. Travelex

Around since 1976, Travelex is an international money transfer service in 177 countries worldwide that offers transfers in 45 different currencies — more than Chase’s 35 currencies. Unlike Chase’s $40 and $45 transfer fees, Travelex has a low flat fee of $5 for any transaction under $5,000 and no fee for transactions over that. It also offers multiple transfer options including spot contracts, forward contracts, limit orders and recurring payments, while Chase only offers one-off transfers and recurring payments. Both companies only offer bank-to-bank transfers, so if you’re looking for cash pickups or the ability to pay with a credit card, you’ll have to look elsewhere.


  • Flat fee of $5 for any transaction under $5,000
  • No fee for transfers of $5,000 or more
  • Available in 177 countries and territories and 45 different currencies
  • Multiple transfer options including spot contracts, forward contracts, limit orders and recurring payments
  • Offers a price promise — if you find a better price within 30 minutes, they’ll beat it
  • Funds transferred in 1 to 4 business days, though same-day transfers are possible in select countries


  • High minimum transfer amount of $500
  • Bank-to-bank transfers only
  • No cash payments or cash pickups allowed
  • No check or credit card payments allowed

Go to the Travelex website

torfx logo

5. TorFX

Unlike Chase, which allows you to send money from anywhere in the US, TorFX only allows money transfers from Australia. It’s a stricter money exchange and transfer company than others, and requires that funds be cleared by individuals who hold TorFX accounts — meaning the money must be sent in advance before the transaction can be performed. TorFX offers no-fee transfers with multiple transfer options including spot contracts, forward contracts, limit orders and stop loss orders in 60 different currencies — far surpassing Chase, which has $40 to $45 transfer fees and only offers one-off and recurring transfers in 35 currencies. Moreover, TorFX offers a best rate guarantee with competitive exchange rates that often beat banks by more than 3%.


  • Multiple transfer options including spot contracts, forward contracts, limit orders and stop loss orders
  • No transfer fees
  • Competitive exchange rates with fixed exchange rate protection — often beating banks by more than 3%
  • Best rate guarantee
  • Offers transfers in 60 different currencies
  • Free registration allows you to get access to free market analysis and expert advice
  • Low minimum transfer amount of $150


  • Can only send from Australia
  • Bank-to-bank transfers only
  • Users report technical and administrative problems that delay transfers
Go to TorFX website

ofx logo

6. OFX

OFX offers transfers and exchanges into 55 different currencies — 20 more than Chase offers. Both Chase and OFX offer bank-to-bank transfers only, but OFX doesn’t have any transfer fees and has no maximum limit for online transfers like Chase does. Ultimately, if you’re a larger business looking to pay for exports or just need to transfer a larger sum to an account overseas, this service may be ideal.


  • No transfer fees
  • 24-hour customer support
  • Available in 195 countries and territories and 55 currencies
  • Offers scheduled and recurring transfers
  • iOS and Android apps available for mobile transfers and tracking
  • No maximum transfer limit


  • Bank-to-bank transfers only — no cash payment or pickup
  • Verify new accounts by phone
  • High minimum transfer amount of $1,000 per year
Go to OFX website

currencies direct logo money transfers

7. Currencies Direct

Unlike Chase, which has $40 to $45 fees for international wire transfers, Currencies Direct offers no-fee money transfers 90% of the time. Moreover, this company offers exchanges in 60 market currencies — 25 more than Chase offers — and supports large transactions at a seemingly unlimited maximum, whereas Chase has a $500,000 limit. However, if you’re looking to send money with a credit card or mobile wallet, you’ll need to look elsewhere, as neither of these companies offer that option.


  • No fees for 90% of its transactions
  • Supports 60 market currencies
  • Competitive exchange rates
  • Low minimum transfer of $100
  • Supports large transactions at a seemingly unlimited max
  • Monitors exchange rates for your ideal transfer


  • No cash pickup option — bank-to-bank wire transfers only
Go to Currencies Direct website

western union logo

8. Western Union

Like Chase, Western Union allows you to send money in just minutes to bank accounts around the world with relatively weak exchange rates, but that’s where the similarities end. Western Union has high fees that depend on your method of payment and where you’re sending money to, and offers the option of paying with cash, debit card or credit card — something that Chase does not offer. If you’re looking to send large amounts of money, you’re better off going with Chase, as Western Union’s maximum transfer amount is set at $5,000 compared to Chase’s $500,000 maximum.


  • Low minimum transfer of $1
  • Send money in minutes
  • Transfers to over 200 countries and territories across the globe
  • Multiple transfer options including paying with cash or your debit card, credit card or bank account
  • Cash pickup available
  • Trusted provider for over 160 years


  • Weak exchange rates that can be nearly 5% more than the mid-market rate
  • High fees, whereas other companies offer free transfers or low-fee transfers
  • Low maximum transfer amount of $5,000

Learn more

RIA Logo

9. Ria

In business for more than 30 years, Ria is a global monetary transfer network with more than 316,000 agent locations in 144 countries. Unlike Chase, which only allows for bank-to-bank transfers, Ria allows you to pay with cash, debit card, credit card or bank account, and even offers cash pickup and home delivery options in select countries. Both Chase and Ria offer fast transfers, but with different forms of payment: Chase offers same-day bank-to-bank wire transfers, while Ria offers same-day transfers when paying with a debit or credit card. And if you’re looking to transfer a large amount of money, you’re better off going with Chase, which has a maximum transfer amount of $500,000 — compared to Ria’s $2,999.99 daily cap.


  • Low minimum transfer amount of $1
  • Wide variety of transfer payment options, including cash, debit card, credit card and bank account
  • Worldwide transfer network, with over 316,000 agent locations in more than 144 countries
  • Online price calculator simplifies money conversion
  • Cash pickup available
  • Home delivery option in select countries
  • Fast turnaround if you send money with a debit or credit card, taking just 15 minutes


  • Maximum daily transfer cap of $2,999.99; maximum amount you can send in 30 days is $7,999
  • Rates and fees depend on amount, location and method of transfer
  • Does not offer forward contracts or limit orders
  • Bank account transfer take four business days
Go to Ria website

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10. MoneyGram

The second-largest international money transfer service in the world, MoneyGram transfers funds in over 200 countries and territories to more than 350,000 agent locations worldwide. Both MoneyGram and Chase offer fast transfers, with same-day service in many locations, but if you’re looking to transfer large amounts of money, you’re better off going with Chase. This big bank offers transfers up to $500,000, while MoneyGram cuts off transfers at $6,000. But if you want your funds to be delivered to your recipient’s home or available for cash pickup, you’ll have to go with MoneyGram, as Chase only offers bank-to-bank transfers.


  • Extensive global network of 350,000 agent locations in over 200 countries and territoris
  • Large pool of services available for sending, receiving or financing
  • Fast transfers, with same-day service in many locations
  • Home delivery and cash pickup options
  • Low minimum transfer amount of $1


  • Maximum online transfer amount of $6,000
  • Fees vary depending on payment type and transfer destination
  • Transfers must be made in US dollars from the US (no exchanges before transfer)
  • Local exchange rates vary by transfer destination
Go to Moneygram website

Sharemoney logo

11. Sharemoney

Sharemoney is a part of the Omnex group, a company that’s specialized in money transfers for over 25 years. Sharemoney’s transfer fees start at just $2.99 — unlike Chase’s fees which are $40 or $45 per transaction. Moreover, Sharemoney offers door-to-door delivery as well as cash pickup, while Chase only allows for bank-to-bank wire transfers. Both companies offer same-day service for transfers, but Chase outshines Sharemoney when it comes to maximum transfer limits; Chase allows for $500,000 to be transferred per transaction, while Sharemoney caps its transfers at $2,999.99.


  • Low transfer fees starting at just $2.99
  • Low minimum transfer amount of $20
  • Exchange rate calculator helps you see just how much money you’ll get for your dollar, with rates updated hourly
  • Fast and easy service, with cash and bank transfers taking as little as 15 minutes to 24 hours
  • Door-to-door delivery in as short as 48 hours
  • Discounts available on Facebook


  • Limited state availability, with Sharemoney only licensed to operate in 36 out of 50 states
  • Only offers one-off transfers
  • Can only transfer money to 21 countries, which are largely limited to South America and select Asian countries
  • Exact location must be specified for cash pickup
  • Low maximum transfer limits of $2,999.99 every 15 days, and $9,999.99 every six months

Go to the Sharemoney website

Looking for better fees and rates?


Our pick: TransferWise

When you need to send money, benefit from competitive mid-market exchange rates and straightforward fees with TransferWise.

  • Fair service fees and mid-market rates — a major market differentiator.
  • Next-day delivery to your loved ones and businesses.
  • Trusted the world over, with five-star ratings on Trustpilot.

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