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Alternatives to Currencies Direct

The best alternative companies to Currencies Direct for sending a money transfer

Currencies Direct is an international money transfer service dedicated to helping its customers save more when transferring money internationally. With 39 currencies to choose from (and others that can be discussed with the company itself), it is more flexible than other money transfer services. So long as there’s a bank account available, Currencies Direct will transfer and exchange your funds at a low flat rate.

Pros

  • No fees
  • Worldwide service
  • Competitive exchange rates
  • Low minimum transfer of $100
  • Supports large transactions at a seemingly unlimited max
  • Monitors exchange rates for your ideal transfer

Cons

  • No cash pickup option
  • Does not support all currencies (though you can contact them if yours isn’t listed)
XE Money Transfer Logo
  1. XE Money Transfer

XE Money Transfer is a service designed to help you transfer your funds to a bank in a foreign currency. 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.

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Why pick XE Money Transfer instead?

  • One of the most trusted money transfer names
  • Competitive exchange rates save you money in the long run
  • Quick turnaround means transfer is complete in 3 to 5 days

Downsides

  • Rate comparison tool not available until after you’ve registered with the site
wise logo
  1. Wise

Wise 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.

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Why pick Wise instead?

  • Maximum 1% fee
  • $3 minimum fee
  • Minimum transfer of $1
  • Maximum transfer of $36,000,000
  • Apps for both iOS and Android
  • Uses mid-market exchange rate with no hidden fees

Downsides

  • Transfers to bank accounts. No cash pickup option.
WorldRemit logo
  1. WorldRemit

WorldRemit provides a variety of transfer options in more than 120 countries worldwide, including online, bank-to-bank and cash transfers. Fees vary by country you’re sending funds to and the global exchange rate at the time of your transfer. WorldRemit is ideal for small businesses, offering transfers from $1 to $2,000.

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Why pick WorldRemit instead?

  • Flexible payment options
  • Easy three-step transfer process
  • Transfers to mobile wallet accounts
  • Cash pickup available
  • Mobile airtime account transfers

Downsides

  • The higher your transfer, the greater the transfer fees
TorFX
  1. TorFX

TorFX is a strict money exchange and transfer company that focuses on getting your funds where they need to go quickly. Unlike other services, it requires that funds to be cleared by individuals who hold TorFX accounts. The money must be sent in advance before the transaction can be performed. TorFX cares about its customers, with clarity and friendly service two of its highest priorities.

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Why pick TorFX instead?

  • Competitive exchange rates
  • Free market news
  • Fixed exchange rate protection
  • Can save you 5% on bank exchange rates
  • No bank charges or commissions
  • Consult with currency experts

Downsides

  • Potential risks of exchange include market volatility
  • Can only send from Australia
  • Users report technical and administrative problems that delay transfers
RIA logo
  1. Ria

In business for more than 30 years, RIA is a global monetary transfer network with more than 240,000 agent locations in 130 countries. It is the third-largest international money transfer provider in the world. Offering a wide variety of payment options and transfer services, RIA knows how to keep its customers happy with a simple transfer process.

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Why pick Ria instead?

  • Wide variety of transfer options
  • Good rates and minimal fees
  • Online price calculator simplifies money conversion
  • Expert advice

Downsides

  • Maximum daily transfer cap of $2,999.99
  1. Western Union

Around for more than 160 years, Western Union continues to make it easy for you to transfer money in the United States and overseas. In more than 200 countries and territories across the globe and with more than 500,000 agent locations worldwide, money pickups are a breeze.

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Why pick Western Union instead?

  • Low minimum transfer of $1
  • Send money in minutes
  • Transfer to a wide range of countries
  • Competitive live exchange rates updated regularly
  • Multiple transfer options
  • Trusted provider

Downsides

  • Can be more expensive than other transfer companies
Moneygram logo
  1. MoneyGram

The second-largest international money transfer service in the world, MoneyGram is a big contender for money transfer. Its services transfer and exchange currencies in over 200 countries and territories around the world to more than 350,000 agent locations worldwide. If you’re not confident about transferring money online, an employee can walk you through the process at of the 40,000 locations here in the States.

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Why pick MoneyGram instead?

  • Extensive global network of 350,000 agent locations
  • Large pool of services available for sending, receiving or financing
  • Secure and reliable
  • Fast transfers, with same-day service in many locations

Downsides

  • 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
OFX Logo
  1. OFX

OFX offers transfers and exchanges into 55 different currencies. 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.

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Why pick OFX instead?

  • 24-hour customer support
  • Available in 195 countries and 55 currencies
  • Offers scheduled and recurring transfers
  • iOS and Android apps available for mobile transfer and tracking

Downsides

  • No cash payment or pickup. OFX only delivers funds through bank deposit.
  1. Xoom

Xoom is a leading provider in the digital money transfer market, offering transfers to 38 countries around the world. Using online money transfers, it streamlines the process without taking chunks out of your funds for commissions.

Why pick Xoom instead?

  • Specializes in international money transfers
  • More than 14 years of experience
  • Money-back guarantee if your transfer doesn’t work out

Downsides

  • Small international network compared with competition
Sharemoney logo
  1. Sharemoney

Sharemoney is a part of the Omnex group, a company that’s specialized in money transfers for over 25 years. Its constantly expanding service range and offer door-to-door and cash pickup options on top of the usual transfer techniques.

Why pick Sharemoney instead?

  • Low transfer fees
  • Exchange rate calculator helps you see just how much money you’ll get for your dollar
  • Fast and easy service
  • Door-to-door delivery in as short as 48 hours
  • Discounts available on Facebook

Downsides

  • Doesn’t transfer to every country
  • Exact location must be specified for cash pickup
  • Daily transfer limits of $9,999
walmart logo
  1. Walmart

Known for its retailing business, Walmart offers money transfer services to over 190 countries thanks to a partnership with MoneyGram. Funds can be picked up at any Walmart in the US or Puerto Rico or sent to any one of MoneyGram’s 336,000 agents around the world.

Why pick Walmart instead?

  • Widespread network of agents gets your money where it needs to go
  • Transfer to more than 190 countries
  • Efficient transfers in as little as 10 minutes

Downsides

  • Cash pickups only
  1. PayPal

You likely know PalPal’s digital service for online purchases, but you may not know that it supports wireless overseas transfers. Its popularity around the world makes it possible to transfer up to 20 currencies across more than 200 countries. While PayPal is like a digital banking service, its rates are competitive compared with most banks and financial institutions, making it a good choice to avoid headaches.

Why pick Paypal instead?

  • Minimum rate of $0.02
  • Available in 203 countries
  • Offers recurring payments
  • Excellent for smaller transfers
  • Multiple digital safeguards in place to protect against fraud and hacking

Downsides

  • Fees are proportionate to the amount transferred. The larger the transfer, the more money they take.
  • Fees vary by location of transfer and method, with better deals for using a PayPal credit card or account

Still looking for other options?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Alternatively, learn more about Currencies Direct in our review.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours
$0

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Instarem
Within an hour
$1

View details
Exclusive: Use code GET60 and save $30 on each transaction over $200. Valid for the first two transactions and till 31st July 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
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.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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