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Best international money transfer apps
Send money overseas with these top-rated mobile money transfer apps.
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.
At a glance: The best international money transfer apps in 2023
- Xe Money Transfer – Best app for cheap transfers under £2,000
- Wise – Best app for cheap transfers over £2,000
- PassTo – Best app for fast transfers
- WorldRemit – Best app for transfering money to someone without a bank account
- Atlantic money – Best app for iPhone
- Remitly – Best app for Android
- Revolut – Best app overall
Xe Money Transfer – Best app for cheap transfers under £2,000
Xe
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. With over 500,000 locations throughout the world Xe app makes it easy to send money to family or friends, without the need for a bank account.
Features in the app
- Live exchange rates
- Set rate alerts
- Track your transfer
- No fees for transfers above £250
- Custom alerts
- Large range of destinations
- Forward contracts and other forex tools
- 500,000+ cash pickup locations
- Multiple payment options
- Doesn’t use mid-market rate
- Some features like cash pickup aren’t available on desktop
- Need to create an account to get a quote
| Receiving options | Cash pickup location Bank account |
|---|---|
| Pay By | Credit card Debit card Bank transfer |
| Customer Service | Phone |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 462444 |
Wise – Best app for cheap transfers over £2,000
Wise (TransferWise)
Wise, unlike most of its competitors, gives you access to the mid-market rate which in many cases can mean more money for your recipient. Wise app 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.
Features in the app
- Live exchange rates
- Set rate alerts
- Track your transfer
- Uses the mid-market rate
- Transparent with fees
- Multiple payment options
- No minimum transfer amount
- Requires proof of ID
- No cash pickup
- Not suitable for large transfers
| Receiving options | Bank account Alipay (China only) |
|---|---|
| Pay By | Credit card Debit card Bank transfer |
| Customer Service | Phone Live chat |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 900507 |
PassTo – Best app for fast transfers
PassTo
PassTo can only be used through the app (you can't login on your desktop browser, for example) so PassTo has focused all its efforts on making the app experience enjoyable and intuitive. It's impressively versatile – you can send money as a bank transfer, mobile wallet top-up or even as cash, and you can pay by debit card, credit card or bank deposit.
Features in the app
- Live exchange rates
- Set rate alerts
- Track your transfers
- Most transfers are delivered within minutes
- Chat support available
- Variety of currencies
- Multiple payment options
- Rated excellent on Trustpilot
- Touch ID
- Link debit/credit cards for faster deposits
- Transfer limits - You can send up to £2,000 a day for most countries, and a maximum amount of £10,000 per month
- No option to set up recurring transfers
| Receiving options | Cash pickup location Bank account Mobile wallet |
|---|---|
| Pay By | Credit card Debit card Bank transfer |
| Customer Service | Phone Live chat |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 900662 |
WorldRemit – Best app for transfering money to someone without a bank account
WorldRemit
With the WorldRemit app, you can send money in over 60 currencies 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.
Features in the app
- Live exchange rates
- Set rate alerts
- Track your transfer
- Cash pickup with funds usually available to collect instantly
- Flexible payment options
- Large range of destinations
- Not as many extra features as other money transfer apps
- Daily transfer limits - 24-hour cap of £50,000
- Transfers to most of European countries are not supported
| Receiving options | Cash pickup location Bank account Mobile wallet Home delivery Prepaid phone credit |
|---|---|
| Pay By | Credit card Debit card Bank transfer Apple Pay |
| Customer Service | Phone Live chat |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 900891 |
Atlantic money – Best app for iPhone
Atlantic Money
Newcomer Atlantic Money charges a flat £3 fee no matter how much you're transferring, and doesn't mark-up exchange rates. Like PassTo, Atlantic Money is app-only (there's no option to login via your desktop) so all Atlantic's efforts have been poured into making a straightforward and cheap iPhone app.
Features in the app
- Live exchange rates
- Track your transfer
- No mark-up on exchange rates
- Flat £3 fee for transfers up to £1 million
- Transfers up to £5,000 don’t require proof of ID
- Small selection of currencies
- It’s all self-service
- No rate alerts
- Additional fees for express delivery
| Receiving options | Bank account |
|---|---|
| Pay By | Bank transfer |
| Customer Service | Phone Live chat |
| Personal Account Manager | |
| FCA Reference | 947491 |
Remitly – Best app for Android
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.
Features in the app
- Live exchange rates
- Track your transfer
- Cash pickup available
- No minimum transfer
- Large range of destinations
- Funds can be received through mobile money
- Limit on how much you can send
- Fees change depending on the speed of your transfer
| Receiving options | Cash pickup location Bank account Mobile wallet Home delivery |
|---|---|
| Pay By | Credit card Debit card Bank transfer |
| Customer Service | Phone Live chat |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 728639 |
Revolut – Best app overall
Revolut
Revolut, the multi-purpose banking app, lets you transfer money to almost anywhere in the world and offers very competitive rates across all major currencies. You can track the status of your online transfers in real-time, directly in the app, and benefit from instant free transfers to other Revolut users.
Features in the app
- Live exchange rates
- Set rate alerts
- Track your transfer
- A beautiful, easy-to-use app
- No upper limits for most currencies
- Large range of destinations
- In-app chat support
- Complicated terms
- It’s all self-service
| Receiving options | Bank account Mobile wallet |
|---|---|
| Pay By | Credit card Debit card Bank transfer |
| Customer Service | Live chat |
| Personal Account Manager | |
| Recurring Transfer Facility | |
| FCA Reference | 900562 |
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
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