Best international money transfer apps

It's easy to send money overseas with these mobile apps.

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Many money transfer specialists offer mobile apps that let you send money globally from your phone.

We’ve rounded up a selection of the most popular apps from major international money transfer providers and outlined their pros and cons to help you make a decision about which one is right for you.

WorldRemit International Money Transfers

WorldRemit International Money Transfers

Send money to 140+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    What are some of the best money transfer apps in 2019?

    TorFX

    TorFX lets you send money in over 40 currencies and is one of the leading money transfer services. You can make personal or business transfers through TorFX and its app comes with a number of features such as transfer tracking and real-time exchange rates.

    Screenshot of the TorFX app

    Features in the app


    Live exchange rates

    Set rate alerts

    Track your transfer
    Available on iPhone Available on Android
    Available in other languages

    Pros

    • Competitive exchange rates
    • No added fees

    Cons

    • Doesn’t offer cash pickup
    • Doesn’t accept cash or cheque payments
    • App only available in English

    Calculate your transfer with TorFX

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 2,000 1 day GBP 0.00 1.126 EUR
    5,632
    TorFX guarantee to beat any competitor's exchange rate for a transaction (conditions apply)
    (Conditions apply)
    Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    WorldFirst

    WorldFirst requires a higher minimum for money transfers (£1,000) but offers competitive exchange rates. The app specialises in fast transfers and you can use its extra features, like the currency converter and market updates, without signing up.

    Screenshot of the WorldFirst app

    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 transaction fees
    • Competitive exchange rates
    • Same-day transfers for major currencies
    • No maximum transfer limit

    Cons

    • Doesn’t allow small transfers
    • Only accepts bank transfer
    • No cash pickup

    Calculate your transfer with WorldFirst

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 1,000 1 - 2 days GBP 0.00 1.133 EUR
    11,333
    Better exchange rates for Finder customers.
    Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
    Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    OFX

    With OFX’s app, you can send money to over 190 countries worldwide. The app also has a range of extra features, like being able to set rate alerts that can help you take advantage of the best times to transfer.

    Screenshot of the OFX app

    Features in the app


    Live exchange rates

    Set rate alerts

    Track your transfer
    Available on iPhone Available on Android
    Available in other languages

    Pros

    • Can monitor current and historical exchange rates
    • Track your transfers
    • Set rate alerts
    • Free transactions
    • Better exchange rates than banks

    Cons

    • Transfers must be above £100
    • Doesn’t accept credit card or cash as payment
    • App only available in English

    Calculate your transfer with OFX

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 2,500 1 day GBP 0.00 1.126 EUR
    5,632
    With 17 years of foreign exchange expertise, OFX know the money transfers business very well, offering facilities for one-off and recurring transfers. Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    WorldRemit

    The WorldRemit app lets you send money to more than 120 countries around the world. With no minimum transfer amount, WorldRemit lets you take advantage of competitive exchange rates when making your transaction.

    Screenshot of the WorldRemit app

    Features in the app


    Live exchange rates

    Set rate alerts

    Track your transfer
    Available on iPhone Available on Android
    Available in other languages

    Pros

    • Cash pickup available
    • No minimum transfer
    • Large range of destinations
    • Competitive exchange rates
    • Funds can be received through mobile money

    Cons

    • Limit on how much you can send
    • Fees change depending on the amount you transfer
    • Not as many extra features as other money transfer apps

    Calculate your transfer with WorldRemit

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 50 Same day GBP 2.99 1.133 EUR
    5,660
    Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
    An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
    Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    TransferWise

    TransferWise aims to make the exchange process as cheap and transparent as possible. The app also lets you set up repeat payments for ongoing transfers.

    Screenshot of the TransferWise app

    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 minimum transfer amount
    • Uses the mid-market rate
    • Transparent with fees
    • Can pay with Apple Pay (although paying by card incurs higher fees)

    Cons

    • No cash pickup
    • Not as many currencies as other providers

    Calculate your transfer with TransferWise

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 1 2 days GBP 20.00 1.238 USD
    6,167
    Transfer money at the mid-market rate with no nasty surprises and excellent customer support. Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    Western Union

    As the world’s largest money transfer company, Western Union is a widely recognised brand. The app offers money transfers to more than 200 countries around the world as well as a map of worldwide agent locations and directions for cash pickups.

    Screenshot of the Western Union app

    Features in the app


    Live exchange rates

    Set rate alerts

    Track your transfer
    Available on iPhone Available on Android
    Available in other languages

    Pros

    • Almost-instant transfers to cash pickup
    • Can pay with bank transfer, cash, card or Apple Pay
    • Transfers to many currencies

    Cons

    • Less competitive exchange rates
    • Transfer fees to some countries can be significant

    CurrencyFair

    The CurrencyFair app lets you exchange money at a fairer exchange rate than what you’d find at a bank. With low fees and minimum transfer amounts, the app makes international money transfers convenient.

    Screenshot of the CurrencyFair app

    Features in the app


    Live exchange rates

    Set rate alerts

    Track your transfer
    Available on iPhone Available on Android
    Available in other languages

    Pros

    • Low fees
    • Minimum transfer amount is small (£5)

    Cons

    • Limited number of currencies
    • Only bank-to-bank transfers
    • App only available in English

    Calculate your transfer with CurrencyFair

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 5 2 days EUR 3.00 1.132 EUR
    5,661
    Special offer: Zero fees on your first 10 transfers.
    Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
    Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    |


    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 a margin to the exchange rate to cover their own fees. So a provider may have no fees, but a bad exchange rate – this is why it’s important to compare.

    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. However, this does come at a higher price. If you’re not particular with timing, most providers take anywhere between one and four days to deliver the money at a much lower fee.

    Next steps

    You can get more value for your money by comparing both the providers themselves and their apps. Make sure to check with the provider regarding the currency you want to send since fees and regulations can change depending on the country.

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