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 2024
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
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.
PassTo can be used via its app and website so PassTo has focused all its efforts on making its online experience seamless. 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
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
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 Home delivery Prepaid phone credit
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.
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
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 and Android, 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 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.
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.
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.
Currently, Instarem is one of best apps for transferring money to Nigeria from the UK. They offer very competitive rates on GBP to NGN.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Kate Steere is an editor at Finder, specialising in fintech, banking and cryptocurrency. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.
Revolut has made a name for itself as a favourite for frequent travellers by offering great currency services. Stick within the “fair usage” limit for your plan and the pricing can be hard to beat.
Halifax offers different ways to send money overseas to friends and family. Check the exchange rates, fees and features in our review, and compare your options.
Lloyds Bank provides a range of options for sending money overseas to friends and family. See exchange rates, fees and services here and compare your options.
If you’re looking for a secure way to send money overseas, an international bank draft could be for you – but if speed is important, consider using a money transfer service instead.
Send an international money transfer to someone without a bank account. Get it there instantly and they can pick it up in person, in cash. Get quotes now.
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