Best User Experience
Best User Experience
Most Convenient

With so many decisions to make in a day, you don’t always have the time to sort through all of your options when you need to send money fast. We worked to save you time and effort in figuring out who can provide you with the most convenient features based on what you need, including a range of sending and receiving options.

WINNERS

Click on logos to learn why these providers deserve the Most Convenient Award

paypal
xoom
world first
western union
small world
transferwise
Best User Experience

We measured and rated features that provide you with the most access. We considered availability in all 50 states, country and territory coverage and minimum and maximum transfer amounts required.The success rates of our live transfers strongly informed how we rated providers in this category. If we had trouble sending money, you likely would too. Providers offering variety of options to send and receive money were graded accordingly. Advantages like being able to send money with a debit or credit card, pick up cash or transfer funds without a Social Security number cater to a greater number of customers. If a provider limits your options or restricts how you can send money, you should know.

Most Convenient Methodology

Most Convenient

Metric Scale TransferWise WorldRemit Xoom Sharemoney Western Union RIA MoneyGram World First PayPal Circle Transfast Pangea Small World Money Transfer
Country and territory coverage 1.0 (0–9); 2.0 (0–19); 3.0 (20–29); 4.0 (30–39); 5.0 (40–49); 6.0 (50–59); 7.0 (60–69); 8.0 (70–79); 9.0 (80–89); 10.0 (90+) 8.0 8.0 6.0 2.0 7.0 2.0 5.0 6.0 4.0 2.0 6.0 1.0 9.0
Available in all 50 states 0.0 (No); 5.0 (Yes) 5.0 0.0 5.0 0.0 5.0 5.0 5.0 5.0 5.0 0.0 0.0 0.0 0.0
Maximum transfer per online transaction every 24 hours 1.0 ($0–$1,000); 2.0 ($1,001–$2,000); 3.0 ($2,001–$3,000); 4.0 ($3,001–$4,000); 5.0 ($4,001–$5,000); 6.0 ($5,000+) 6.0 2.0 3.0 3.0 5.0 3.0 3.0 6.0 6.0 1.0 6.0 3.0 6.0
Single transfer transaction 0.0 (Wire to provider); 1.0 (Digital wallet); 2.0 (single Transaction) 0.0 2.0 2.0 2.0 2.0 2.0 2.0 0.0 1.0 1.0 2.0 2.0 2.0
Minimum transfer per transaction 0.0 ($100+); 1.0 ($75–$99); 2.0 ($50–$74); 3.0 ($25–$49); 4.0 ($0–$24) 4.0 4.0 4.0 4.0 4.0 4.0 4.0 0.0 4.0 3.0 2.0 4.0 4.0
Live transfer success rate 0.0 (0% transfer success rate); 2.0 (50% transfer success rate); 4.0 (100% transfer success rate) 10.0 10.0 10.0 10.0 5.0 0.0 5.0 10.0 10.0 10.0 0.0 10.0 10.0
Can send funds through credit or debit card 0.0 (No); 1.0 (Yes) 0.0 1.0 1.0 1.0 1.0 1.0 1.0 0.0 1.0 1.0 1.0 1.0 1.0
Does not require SSN for sign-up 0.0 (No); 1.0 (Yes) 0.0 1.0 1.0 1.0 1.0 1.0 0.0 0.0 1.0 1.0 1.0 1.0 1.0
Does not require uploaded documentation 0.0 (No); 1.0 (Yes) 1.0 0.0 0.0 0.0 1.0 1.0 0.0 0.0 1.0 0.0 1.0 1.0 0.0
Instant approval after sign-up (US customers) 0.0 (No); 1.0 (Yes) 1.0 1.0 0.0 0.0 1.0 1.0 1.0 0.0 1.0 1.0 1.0 1.0 1.0
Can send funds by cash 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 1.0 1.0 1.0 0.0 0.0 0.0 0.0 1.0 0.0
Can send funds over the phone 0.0 (No); 1.0 (Yes) 1.0 1.0 0.0 1.0 1.0 0.0 0.0 1.0 0.0 0.0 0.0 0.0 1.0
Can schedule money transfer for later times 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 1.0 0.0 0.0 0.0 0.0
Can set recurring transfer 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0 0.0 0.0
Forward contract (rate lock) available 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0 0.0 0.0 0.0
Can set target rate 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0 0.0 0.0 0.0
Receiver can pick up cash 0.0 (No); 1.0 (Yes) 0.0 1.0 1.0 1.0 1.0 1.0 1.0 0.0 0.0 0.0 1.0 1.0 0.0
Can send with recipient’s email address 0.0 (No); 1.0 (Yes) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 1.0 0.0 0.0 0.0
TOTAL Winners scored more than 32 points 35.0 31.0 33.0 25.0 35.0 22.0 28.0 32.0 37.0 21.0 20.0 26.0 35.0

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site