Compare 11 money transfer companies like Currency Online | finder.com
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Compare the features of other sites like Currency Online

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You have choices when it comes to sending money overseas.

Founded in 1986, Currency Online was one of the first to offer online money transfer services. It continues to offer low competitive rates by cutting the usual banking fees out of the picture.

Pros

  • Exchanges more than 25 different currencies
  • Multiple services like spot contracts and market orders
  • Quick turnaround in 1 to 4 days
  • Low minimum transfer amount of $50
  • No maximum transfer amount
  • Your first transfer has no fees

Cons

  • Fees dependent on how much you’re transferring and the currency
  • No cash pickup — bank-to-bank transfers only
  • Not available in the US, Japan or Quebec, Canada

Currency Online has a turnaround of 1 to 4 days. Need something faster or cheaper? Compare alternative services here.

Alternative sites like Currency Online

Click here to see Currency Online


ofx logo

1. OFX

Unlike Currency Online, which transfers in 25 currencies with fees dependent on how much you’re transferring and the currency, OFX offers no-fee transfers to 195 countries in 55 different currencies. However, Currency Online has a lower minimum transfer amount of $50 compared to OFX’s $1,000 minimum. Neither companies have maximum transfer limits or offer cash payment or pickup. But remember: Currency Online doesn’t allow for transfers from the US, so if you’re in one of the 50 states, you’ll have to go with OFX or another transfer service provider.

Pros

  • 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 transfer and tracking
  • No maximum transfer limit

Cons

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

Go to OFX website


Worldfirst sites like

2. World First

World First is an online money transfer company founded in the UK in 2004 that allows you to send transfers from the US, which Currency Online does not. It has a high minimum transfer amount of $1,000 compared to Currency Online’s $50 minimum, and neither companies have a maximum transfer cap. While World First offers no fees for transfers over $10,000, Currency Online’s fees are dependent on much you’re transferring and which currency. Moreover, World First offers a promise to beat any quote you get from another international transfer service as well as a rate lock option for continuing transactions.

Pros

  • No maximum transfer limit
  • No fees for transfers of $10,000 or more
  • Competitive exchange rates, with a promise to beat any quote you get from another international transfer service
  • Offers spot contracts, forward contracts and hedging options
  • Provides weekly updates on market exchange rates
  • Rate lock available for continuing transactions

Cons

  • High minimum transfer amount of $1,000
  • Two-step process can mean up to six days for delivery
  • Social Security number and government-issued ID required

Go to the World First website


XE Money Transfer Logo” alt=

3. 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 for same-currency transfers like Currency Online 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. While Currency Online only transfers in around 25 different currencies, XE trades in over 120 currencies and offers no transfer fees, compared to Currency Online’s fees dependent on how much you’re transferring and the type of currency. Both companies offer relatively quick turnarounds of one to four days, but remember that Currency Online doesn’t offer transfers to individuals in the US, so if you’re in one of the 50 states, you’ll have to go with XE or another transfer company.

Pros

  • No transfer fees
  • Trade in over 120 currencies, allowing for money transfers to over 170 countries
  • Competitive exchange rates save you money in the long run
  • Quick turnaround means transfer is complete in 3 to 5 days
  • No maximum transfer amount

Cons

  • Bank-to-bank transfer only
  • No same-currency transfers
  • Rate comparison tool not available until after you’ve registered with the site

Go to the XE Money Transfer website


transferwise logo

4. 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 Currency Online does, but it does offer transfers to individuals in the US, which Currency Online does not. Both TransferWise and Currency Online have low minimum transfer amounts of $1 and $50 respectively, as well as fees dependent on how much you’re sending. While Currency Online has no maximum transfer amount, TransferWise limits its transfers to up to $49,999 a day.

Pros

  • $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

Cons

  • 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 the TransferWise website


WorldRemit Logo

5. WorldRemit

Unlike Currency Online, which doesn’t offer transfers from the US, WorldRemit provides a variety of transfer options in more than 120 countries worldwide, including America. Both Currency Online and WorldRemit have low minimum transfer amounts of $50 and $1 respectively, but while Currency Online doesn’t have a maximum transfer limit, WorldRemit caps its transfers at $5,000. Currency Online only offers bank-to-bank transfers, while WorldRemit offers a variety of flexible payment options including debit or credit card, bank transfer, Android Pay and ApplePay, as well as cash pickup and home delivery options.

Pros

  • 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

Cons

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

Go to the WorldRemit website


travelex logo

6. Travelex

Around since 1976, Travelex is an international money transfer service that offers transfers from the US in 45 different currencies, while Currency Online doesn’t allow for transfers from America and only exchanges around 25 currencies. Travelex has a high minimum transfer amount of $500 compared to Currency Online’s $50 minimum, and has a simple fee system of $5 for any transaction under $5,000 and no fee for transfers over that amount. Meanwhile, Currency Online’s fees depend on how much you’re transferring and the currency. Moreover, Travelex offers a price promise — if you find a better price within 30 minutes, it will beat it.

Pros

  • 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, it will beat it
  • Funds transferred in 1 to 4 business days, though same-day transfers are possible in select countries

Cons

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

Learn more


currencies direct logo money transfers

7. Currencies Direct

Unlike Currency Online, which has transfer fees dependent on how much you’re sending and the currency, Currencies Direct doesn’t have fees for 90% of its transactions. It also trades in 60 different currencies, compared to the 25 Currency Online offers. Both Currencies Direct and Currency Online have low minimum transfer amounts of $100 and $50 respectively, no maximum transfer cap and only offer bank-to-bank transfers. But remember: Currency Online doesn’t allow for transfers from the US, so if you’re in one of the 50 states and looking to make an international money transfer, you’ll have to go with Currencies Direct or another transfer company.

Pros

  • 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

Cons

  • No cash pickup option — bank-to-bank wire transfers only

Go to the Currencies Direct website


Western Union sites like

8. Western Union

Unlike Currency Online, which doesn’t offer transfers from the US, Western Union transfers from all 50 states to over 200 countries and territories around the world. Though both companies have low minimum transfer amounts, only Western Union allows for multiple transfer options including paying with cash, credit card, debit card or bank account. However, you’ll likely find weaker exchange rates with Western Union, which can be nearly 5% more than the mid-market rate. It also has a low maximum transfer amount of $5,000, compared to no maximum transfer cap with Currency Online.

Pros

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

Cons

  • 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

Unlike Currency Online, which doesn’t offer transfers from the US, Ria is a global monetary transfer network that allows for transfers from the US to over 144 countries around the world. It’s the third-largest international money transfer provider in the world, offering a variety of payment options, including cash, debit card, credit card and bank account. Meanwhile, Currency Online only offers bank-to-bank transfers. Both Ria and Currency Online have low minimum transfer amounts of $1 and $50 respectively, but Ria has a maximum daily transfer cap of $2,999.99 while Currency Online has no cap. As for fees, both companies have charges that depend on the amount of money you’re transferring.

Pros

  • 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
  • Home delivery option in select countries
  • Fast turnaround if you send money with a debit or credit card, taking just 15 minutes

Cons

  • 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 transfers take four business days

Go to the Ria website


moenygram logo

10. MoneyGram

The second-largest international money transfer service in the world, MoneyGram transfers funds in over 200 countries and territories around the world to more than 350,000 agent locations. Both MoneyGram and Currency Online have low minimum transfer amounts of $1 and $50 respectively, but MoneyGram puts a cap on transfers at $6,000, while Currency Online has no cap. But remember: Currency Online doesn’t offer transfers from the US, so if you’re in one of the 50 US states, you’ll have to go with MoneyGram or another international transfer service.

Pros

  • Extensive global network of 350,000 agent locations in over 200 countries and territories
  • 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

Cons

  • 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 the 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. Both Sharemoney and Currency Online have low minimum transfer amounts of $20 and $50 respectively, while Sharemoney has a low maximum transfer limit of $2,999.99 every 15 days compared to Currency Online’s policy of unlimited transfer amounts. Currency Online doesn’t offer transfers from the US at all, and Sharemoney has limited state availability — only licensed to operate in 36 out of 50 US states.

Pros

  • 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

Cons

  • Limited state availability, with Sharemoney only licensed to operate in 36 out of 50 states
  • Only offers one-off transfers
  • Can only transfer money 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

Learn more


Need a service that offers cash pickup?

These services have locations across the world for cash pickup:

Compare minimum and maximum transfer limits

Provider Minimum transfer amount Maximum transfer amount
OFX $1,000 No limit
XE Money Transfer $0 No limit
World First $1,000 No limit
WorldRemit $1 $5,000
Travelex $500 No limit
TorFX $150 No limit
Currency Online $1 No limit
Western Union $1 $5,000
TransferWise $1 $49,999
Xoom $10 $10,000
MoneyGram $1 $6,000
Ria $1 $2999.99
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US International Money Transfers Offers

Important Information*
XE International Money Transfers

With global payments provider XE, enjoy fast and secure transfers and a range of foreign currency tools and calculators, while benefiting from $0 transfer fees.

WorldRemit International Money Transfers

Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

World First Foreign Exchange

Exclusive offer: $0 transfer fee
No-limit transfers with competitive exchange rates for 100+ currencies.

TransferWise International Money Transfers

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

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