7 Best Ways to Send Money Internationally (#7 Can be FREE!)

• Rating: The app has a 4.5-star rating on the Google Play store, where it has more than 138,000 reviews. It also has 4.2 stars, which is a “Great” rating, on Trustpilot where it has more than 22,000 reviews.
• Countries covered: More than 160.
• Fees: Vary depending on the country you’re sending money to and the amount you’re sending. For example, it costs $4.99 to send $100 to someone in Canada, and $30.49 to send $1,000 to someone in Canada. How you’re sending the money can also impact the amount you’ll pay in fees. There are no fees to send $1,000 to someone in Canada if you use a PayPal balance or bank account to pay. But, if you use a credit card or debit card to pay, then you will have to pay the $30.49 fee. Xoom offers a really handy calculator that you can use here.
• Speed: Most money transfers are available to the recipient in minutes, but some can take up to a few days. Things like the country where your money is being sent, whether you chose bank deposit, pick up, or home delivery, and how you chose to pay, like with a bank account or credit card, can affect transfer time.

Get the app:

• Download for iOS here.
• Download for Android here.

2. Wise

Wise offers online money transfers from the United States. It used to be called TransferWise.

• Rating: 6 stars, on Trustpilot (which is a rating of “Excellent”) where it has more than 110,000 reviews. It has 4.5 stars on the Google Play store where it has more than 130,000 reviews.
• Countries covered: More than 100.
• Fees: You pay a small, flat fee plus a fixed percentage of the transfer amount. Some payment methods also have an added fee, but that’s normally small as well. The exchange rate doesn’t have a markup either. You can always view the total cost upfront.
• Speed: Up to 2 working days, but it’s rare that it takes that long, according to the site.

Get the app:

• Download for iOS here.
• Download for Android here.

3. OFX

OFX offers a couple of different ways to transfer money to suit individuals and businesses. The company accepts wire transfers from your bank account, or you can apply to set up an ACH direct debit. It does not accept cash, credit card, checks, or bank drafts.

• Rating: 3 stars on Trustpilot, which is rating of “Excellent,” where it has more than 4,300 reviews. It has 4.5 stars on The Google Play Store where it has more than 2,700 reviews.
• Countries covered: More than 190.
• Fees: Locked-in OFX rates for Single Transfers, and Zero OFX fees for Recurring Transfers (minimum 4 transfers).
• Speed: Transfers to most countries take 1 to 2 business days.

Get the app:

• Download for iOS here.
• Download for Android here.

4. MoneyGram

MoneyGram offers lots of options for transferring money internationally, such as through bank accounts, mobile wallets, at thousands of locations, and online.

• Rating: It has a 4.3-star rating from Trustpilot (which is a rating of “Excellent”) where it has more than 10,400 reviews. And it has 4.5 stars on the Google Play Store where it has more than 44,000 reviews.
• Countries covered: More than 190.
• Fees: Can be free, but it depends on factors like the country you’re sending money to and the payment method you use to send the money. There’s a fee estimator form on the homepage that you can use to get a quote.
• Speed: If you’re sending money to a bank account, it can arrive in as little as an hour, but it can take up until the next day. If you schedule money for pickup, money is usually ready for cash pickup within minutes after the transfer has been sent successfully.

Get the app:

• Download for iOS here.
• Download for Android here.

5. Western Union

One of the original options for sending money abroad, Western Union is still one of the best and cheapest ways to send money overseas. Whether you want to get a Money Order or Wire money directly, WU is a great option.

They operate in tons of countries and continents from Europe and North America to Africa, Asia and everywhere in between.

Western Union offers online and in-person money transfers from the United States.

• Rating: Western Union actually has just 2.7 stars, which is a “Poor” rating, on Trustpilot where it has more than 18,000 reviews. However, Western Union is really well-reviewed on the Google Play store where it has 4.5 stars and more than 199,000 reviews.
• Countries covered: More than 200 countries and territories.
• Fees: Fees vary depending on the country you’re sending the money to and how you send the money. You can get an estimate here.
• Speed: It depends on the delivery and payment methods you choose. With some options, like the Money in Minutes service for pick up at an Agent location and mobile money transfers, taking just minutes for the recipient to get the money, and others, like direct to bank deposits, typically taking 2 to 5 business days.

Get the app:

• Download for iOS here.
• Download for Android here.

6. Remitly

Remitly offers a few different options for sending money, including bank deposit, cash pickup, mobile money, and home delivery.

• Rating: Remitly has 4.5 stars on Trustpilot (which is an “Excellent” rating) where it has more than 32,000 reviews. It has almost 5-stars on the Google Play store where it has more than 137,000 reviews.
• Countries covered: Remitly supports money transfers from 17 sending countries to 100 receiving countries around the world.
• Fees: Transfer fees can vary based on how much money you send, and the delivery speed you choose. For example, Express will deliver money faster for a higher fee and Economy offers lower fees, but a slightly longer delivery window. You can login to your account and choose the country you want to send money to, and you’ll be able to view the current exchange rates and fees.
• Speed: The time it takes to deliver your funds depends on where you are sending them. The site recommends you use the Express delivery speed when you need to send money fast, as delivery is usually within minutes when you use a debit card. If you are able to wait, then you can select the cheaper Economy speed, but it will take 3 to 5 business days for your funds to be delivered. Just select a country to see the available delivery speeds and pricing.

Get the app:

• Download for iOS here.
• Download for Android here.

7. WorldRemit

Next on the list we have WorldRemit. With it, you can send money to bank accounts, locations for cash pickup, and mobile money accounts.

• Rating: It has 4.1 stars on Trustpilot (which is a rating of “Great”) where it has more than 45,000 reviews. And it has 4-stars on the Google Play Store where it has more than 87,000 reviews.
• Countries covered: More than 130 countries.
• Fees: It depends on a few factors like how much money you’re sending, the country you’re sending the money to, the currency, and the delivery option you choose. You can view fees upfront. You can get zero fees on your first transfer with the code FREE. Learn more about this offer here.
• Speed: The site says that 90% of it’s transactions are completed in minutes. How long it takes for the recipient to get the money depends on where you’re sending the money to with the transfer being instant for countries like Nigeria and the Philippines, and the transfer taking 1 to 2 days for countries like Germany and Poland. You’ll need to select the country you’re sending money to in order to see how long the international bank transfer will take.

Get the app:

• Download for iOS here.
• Download for Android here.

Closing Thoughts

There are lot of apps out there that you can use to send money to people abroad. Handily, lots of them offer different options for sending the money too, like transfers to mobile money accounts and local cash pickup.

Give these apps a try and feel free to share your favorite apps for international money transfers in the comments section below.