Best international money transfer apps

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.

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.

Calculate your transfer with Remitly

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
Remitly				Within minutes	From £1.49	SPECIAL OFFER ✓ Free transfers and better exchange rates for new customers Go to site View details	Remitly has quick, affordable transfers around the world, with both express and economy options.		loading Fetching your data...

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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.

Calculate your transfer with OFX

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
OFX				24 hours	£0	Go to site View details	OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.		loading Fetching your data...

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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.

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
Wise (TransferWise)				4 hours	From £3.75	Go to site View details	Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.		loading Fetching your data...

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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.

Calculate your transfer with WorldRemit

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
WorldRemit				Within minutes	From £1.99	SPECIAL OFFER ✓ Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. Go to site View details	Use code Take10GB to get £10 off when you spend £20. Valid till 31 January 2022. T&Cs apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.		loading Fetching your data...

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5. XE Money Transfer

The XE Money Transfer app lets you exchange money at a more competitive exchange rate than you’d find at the bank and makes tracking multiple exchange rates a breeze. It also offers low fees and low minimum transfer amounts.

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 fees
• No maximum transfer limit
• Set custom currency pair alerts
• Send money to more than 130 countries.

Cons

• Doesn’t use mid-market rate
• Only bank-to-bank transfers
• No cash pickup

Calculate your transfer with XE

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
XE Money Transfer				Within minutes	£2	SPECIAL OFFER ✓ £25 Amazon voucher when you refer a friend Go to site View details	XE has fast transfers with low fees and a range of foreign currency tools.		loading Fetching your data...

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6. 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.

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Name	Product		Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)	Learn More
Western Union				Within minutes	From £2.90	Read review View details	Western Union sends money online to friends and family in 200+ countries around the world.		loading Fetching your data...

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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

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.

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.

Speed

Sometimes you need to get money to someone fast. Some providers specialise 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. Just be sure to compare the exchange rates, transfer fees and other details of money transfer specialists to ensure you get the best deal for your needs.

Frequently asked questions

• Where can I send money with a mobile app?

  The countries to which you can send money will vary by provider. Some specialise in certain geographic areas, while others provide services to hundreds of countries.

• How fast will my money get there?

  Some providers get your money to its destination in minutes after payment, especially if you pay with a debit card. Others require a few days to get to your recipient. Confirm the transfer speeds of your service before putting any cash down.