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 considered the features of each of the services when picking the best money transfer apps.
At a glance: The best international money transfer apps of 2024
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
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, send money to over 100 countries
Funds can be received through mobile money
Cons
Limit on how much you can send — new accounts are limited to $2,999
Fees change depending on the speed of your transfer
With OFX’s mobile app, send money transfers of $1,000 or more to 195 countries worldwide. You can also use the app to register for an OFX account, monitor current and historical exchange rates, track your transfers and set rate alerts. Transactions are free, but OFX takes a slight margin on currency exchange rates.
Features in the app
Live exchange rates
Set rate alerts
Track your transfer
Available on iPhone
Available on Android
Available in other languages
Pros
Supports over 50 currencies and has a large bank network
Can monitor current and historical exchange rates
No transfer fees when sending money
Suitable for large transfers
Cons
Transfers must be above $1,000
Recipient must have a bank account as you can’t transfer to a mobile wallet or cash pickup
Send payments to friends, family and businesses in 30 countries with the Wise app. It 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 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)
With the WorldRemit app, you can send money to more than 150 countries 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 iPhone
Available on Android
Available in other languages
Pros
Cash pickup available
No minimum transfer
Large range of destinations
Funds can be received through mobile money
Cons
You can’t send more than $9,000 in a 24-hour period
Fees change depending on the amount you transfer
Not as many extra features as other money transfer apps
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. It also offers low fees and low minimum transfer amounts.
Use MoneyGram’s app to send money to more than 200 countries and territories around the world. You’ll also get access to a map of worldwide agent locations and their directions and hours for cash pickups.
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 or card
Over 350,000 agent locations in more than 200 countries
Cons
Less competitive exchange rates
Transfer fees to some countries can be significant
The best apps for sending money domestically within the US are all free. The only reason you’d need to pay to send money within the US is if you’re sending it to someone who wants to pick up cash in person or doesn’t have access to a bank account and a smart device.
A key factor in choosing an app is the service behind it. Compare these features before making your decision.
Exchange rates
Different providers offer 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 specialize 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. Always 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
The countries to which you can send money vary by provider. Some specialize 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.
Yes. When processed through a reputable bank or company, your funds are safely tracked until they are in your recipient’s hands. And if you’re sending money internationally, federal protections are in place that require banks, credit unions and money transfer companies to, for example, disclose all fees upfront and give you 30 minutes to cancel a transfer, assuming it hasn’t yet been picked up or deposited.
Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.
How do you know if your international money transfer made it safely? Learn how to track or cancel, and find out what your rights are when it comes to sending money.
From bank transfers to specialist money transfer companies, there are several options available when you need to transfer money overseas from your bank account.
If you need to transfer money overseas using your credit card, you can do so via your bank, MoneyGram, Western Union and PayPal. This can be useful in emergency situations, but credit card transfers are usually not a cost-effective option.
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.
How do I link my CIBC canada online banking to the app to help me send money from Canada to my family and friends abroad and Ghana. My credit card can no longer be added to anything as I have blocked it so I want to link my bank account directly.
Kindly visit your chosen platform that you’re considering to link your Canadian bank account with. If you’re having issues on adding your bank account with a certain app, please reach out to their support team.
Thank you for leaving a question. For apps that you can use to transfer money from South Africa to Nigeria – you may want to check on TransferWire and WorldRemit as possible options.
Hey am in Finland and I would like to use my card to send money to uganda, it looks like the company manage those apps are in United States and am in Finland we use Euros here. There is any app I can use here in Finland with low sending fees? Thanks
As of the moment, we don’t have a list of brands that offer money transfer from Finland to Uganda. The companies listed above are available to people in the US only. You might want to check the money service providers available in Finland.
Sorry, I couldn’t be of help to you at this time. I can have our publishers review this topic and hopefully have this added to our pages in the future.
Hope this helps! Feel free to message us should you have further questions.
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Hello,
How do I link my CIBC canada online banking to the app to help me send money from Canada to my family and friends abroad and Ghana. My credit card can no longer be added to anything as I have blocked it so I want to link my bank account directly.
Hi Paul,
Thank you for getting in touch with Finder.
Kindly visit your chosen platform that you’re considering to link your Canadian bank account with. If you’re having issues on adding your bank account with a certain app, please reach out to their support team.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Can all these apps money transfer be used to transfer money from South Africa to Nigeria?
Hi Swazzy,
Thank you for leaving a question. For apps that you can use to transfer money from South Africa to Nigeria – you may want to check on TransferWire and WorldRemit as possible options.
Hope this helps.
Cheers,
Val
Hey am in Finland and I would like to use my card to send money to uganda, it looks like the company manage those apps are in United States and am in Finland we use Euros here. There is any app I can use here in Finland with low sending fees? Thanks
Hi Liv,
Thanks for your message and visiting finder.
As of the moment, we don’t have a list of brands that offer money transfer from Finland to Uganda. The companies listed above are available to people in the US only. You might want to check the money service providers available in Finland.
Sorry, I couldn’t be of help to you at this time. I can have our publishers review this topic and hopefully have this added to our pages in the future.
Hope this helps! Feel free to message us should you have further questions.
Cheers,
Nikki