Best international money transfer apps

Send money overseas with these top-rated mobile money transfer apps.

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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.

At a glance: The best international money transfer apps in 2022

  1. Xe Money Transfer – Best app for cheap transfers under £2,000
  2. Wise – Best app for cheap transfers over £2,000
  3. PassTo – Best app for fast transfers
  4. WorldRemit – Best app for transfering money to someone without a bank account
  5. Airwallex – Best app for business
  6. Atlantic money – Best app for iPhone
  7. Remitly – Best app for Android
  8. 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
Available on iOS and Android, in multiple languages.
  • 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
Receiving options Cash pickup location
Bank account
Pay By Credit card
Debit card
Bank transfer
Customer Service Phone
Email
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
Available on iOS and Android, in multiple languages.
  • Uses the mid-market rate
  • Transparent with fees
  • Multiple payment options
  • No minimum transfer amount
  • Requires proof of ID
  • No cash pickup
  • Fees depending on the amount of money you’re sending
Receiving options Bank account
Pay By Credit card
Debit card
Bank transfer
Customer Service Phone
Email
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 versitile – 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
Available on iOS and Android, in English.
  • 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
Email
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
Available on iOS and Android, in multiple languages.
  • 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
Prepaid phone credit
Pay By Credit card
Debit card
Bank transfer
Customer Service Phone
Live chat
Personal Account Manager
Recurring Transfer Facility
FCA Reference 900891

Airwallex – Best app for business

Airwallex multi-currency business account

If you're a UK business that makes money overseas and spends money overseas too, Airwallex is designed to help you save on currency conversion. Receive, hold and spend/send a range of major currencies at bank-beating rates that can be locked-in from the app.

Features in the app

  • Live exchange rates
Available on iOS and Android, in English and simplified Chinese
  • Dedicated account manager
  • Competitive foreign exchange rates
  • 150+ countries and 40+ currencies to choose from
  • Doesn’t accept credit card or cash as payment
Receiving options Bank account
Pay By Bank transfer
Customer Service Phone
Live chat
Email
Personal Account Manager
Recurring Transfer Facility
FCA Reference 900876

Atlantic money – Best app for iPhone

Atlantic Money (iPhone only)

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
Available only on iOS, in English.
  • 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
  • No Android app yet
Receiving options Bank account
Pay By Bank transfer
Customer Service Live chat
Email
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
Available on iPhone and Android, in multiple languages.
  • 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
Email
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
Available on iOS, Android and HarmonyOS, in multiple languages.
  • 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
Pay By Bank transfer
Customer Service Phone
Live chat
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 icon

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.

Money transfer fees icon

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.

Money transfer speed icon

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

More guides on Finder

  • Wise vs Xoom

    PayPal’s native international transfers service goes up against the UK’s own Wise.

  • Western Union vs Wise

    Wise beats Western Union on exchange rate but has a way to go to match Western Union’s features (you can’t send cash) and global coverage.

  • Apps like Ria

    Find iPhone and Android alternatives to the popular Ria app for overseas transfers.

  • OFX vs Wise

    Compare live quotes and forex features from these two trusted global transfer specialists.

  • Apps like Xoom

    Find alternatives to PayPal’s Xoom and compare costs on your next overseas transfer.

  • CurrencyFair vs Wise

    Two bank-beating heavyweights of international money transfers go head-to-head in our comparison.

  • TorFX vs Wise

    Wise and TorFX go head-to-head in our clash of the international money transfer platforms.

  • Apps like Remitly

    US-based Remitly has become a popular choice for overseas transfers, but other services may be able to support a wider range of currencies.

  • Best money transfer services 2022

    Compare diverse options to send money overseas and determine which pick is the best fit for your transfer.

  • Apps like WorldRemit

    WorldRemit is a trusted go-to for sending money overseas from the UK. But it does have some unusual limitations, such as not supporting transfers within the EU.

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