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Best way to transfer $10,000 overseas

Save more when sending $10,000 internationally by using a money transfer service.



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  • For larger transfers, get no transaction fees and no maximum send limits.
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Whether sending money to buy office equipment at your Tokyo expansion, pay a supplier in France or help out friends in the Philippines, you can take advantage of stronger rates and lower fees when sending $10,000 or more overseas.

Compare your money transfer options when sending $10,000

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.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

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

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

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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.
Within minutes

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

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New customers send USD 20 to Lebanon and use code ADD10 for a USD 10 discount. Valid till 7 November 2021. T&Cs apply.
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

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

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

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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

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

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

Compare up to 4 providers

What are my options?

While you could wire $10,000 through your local bank, in nearly all cases they’ll offer weaker exchange rates, higher fees and fewer options than a money transfer service will.

Unlike banks, money transfer services like OFX specialize in one thing: transferring money worldwide. This expertise allows them to shave down your overall costs — sometimes by hundreds of dollars. When sending $10,000, even a few more cents on an exchange rate can add up to major savings.

Exclusive offer: $0 fees with OFX

Because it’s a trusted partner of, OFX are waiving transfer fees for our readers on all qualifying transfers. See if it meets your needs for your next transfer.

Minimum transfer$150
Maximum transferNo limit
Transfer fee$5 for transfers of up to $5,000; no fee for higher amounts
Transfer speed2 days
Transfer methodsOnline, phone, agent, bank-to-bank, money order
Send with OFX

Case study: Sumon sends $10,000 to India

Sumon is relocating to California for a business opportunity. His parents will be staying back in Mumbai, relying on him to help with monthly expenses. Because he’ll be making regular transfers of $10,000 every quarter to India, Sumon decided to explore his options beyond the banks.

Major US bankMoney transfer company
Exchange rate
1 USD = 67.28 INR1 USD = 67.52 INR
Transfer fee
Transfer speed
2–5 business days1–3 business days
Transfer options
Online, in branchOnline
Total rupees received671,320 INR675,200 INR

By skipping his bank for a money transfer service, Sumon saves himself the $22 transfer fee and is able to send nearly $60 more in rupees to his parents.

What’s the best way to send $1 million overseas?

Transfer $10,000 from the United States

With larger transactions, even a small variation in the exchange rate can result in a big difference in what’s received in the end. Specialist money transfer services are expert at safely getting your money where it needs to go quickly and cheaply.

You may be looking for information on sending $10,000 overseas because you’re:

While you’ll meet most minimum transfers when sending $10,000, compare maximum transfer amounts to find the best option for your needs.

ProviderMinimum transfer amountMaximum transfer amount
OFX$150No limit
XE$50No limit
WorldRemit$0No limit
Travelex International Payments$500No limit
TorFX$200No limit
Currency Online$0No limit
Western Union$1$50,000

What documents do I need to send $10,000 overseas?

If you’re sending a lot of money overseas, your bank may require proof that you are who you say you are. This includes:

  • Government-issued photo ID. Such as a driver’s license or passport.
  • Social security number. If you’re not a US citizen, check with your transfer provider for an alternative.
  • Proof of address. Such as a utility bill or bank statement.
  • Business documents. If you’re sending money on behalf of a business, you may need additional documents showing how you got the money, why you’re sending it overseas, who you’re sending it to and receipts or invoices if the money is being used to cover a purchase.

Bottom line

When sending $10,000 to another country, finding the best exchange rate can save you a lot of money and the best exchange rate usually won’t come from a bank. Choosing a reputable international money transfer company is the best way to make your transfer secure and affordable.

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