Sending money internationally used to be a complex, expensive, and time-consuming process. Today, numerous apps promise to make international money transfers simple, affordable, and fast. But with so many options available, how do you determine which is the most reliable app for sending money abroad? This guide compares leading money transfer services based on critical factors like security, fees, exchange rates, and user experience to help you make an informed decision for your international transfer needs.
What Makes a Money Transfer App Reliable?
Before diving into specific apps, it’s important to understand what “reliability” actually means when it comes to international money transfers. A truly reliable money transfer app should excel in several key areas:
Security & Compliance
The app should implement strong encryption, comply with international regulations (GDPR, AML), and be licensed by relevant financial authorities like the FCA or FinCEN. Two-factor authentication and fraud monitoring are essential security features.
Cost Effectiveness
Transparent fee structures, competitive exchange rates, and minimal hidden charges are crucial. The best apps clearly display all costs before you confirm a transaction and offer rates close to the mid-market rate.
Transfer Speed
Reliable apps provide accurate estimates of when your money will arrive and consistently meet these timeframes. Options for expedited transfers are valuable, even if they come with additional fees.
Global Reach
The app should support transfers to your required destinations and offer multiple delivery methods (bank deposits, cash pickup, mobile wallets) depending on the recipient’s location and preferences.
User Experience
An intuitive interface, responsive customer support, and consistent performance across devices contribute to reliability. The ability to track transfers in real-time provides peace of mind.
Reputation & Reviews
User feedback, professional reviews, and ratings from trusted sources like Trustpilot help gauge an app’s reliability. Longevity in the market and transparent business practices are positive indicators.
Comparison of Top Money Transfer Apps
Here’s how the leading international money transfer apps compare across key reliability metrics. This table provides a quick overview to help you narrow down your options based on your specific needs.
| App | Fees for $1,000 USD to EUR | Exchange Rate Markup | Transfer Speed | Global Coverage | Trustpilot Rating | Best For |
| Wise | $4.30-$7.50 | 0% (Mid-market rate) | 1-2 business days | 170+ countries | 4.6/5 | Transparent pricing |
| Revolut | $0-$3.00 | 0-0.5% | 1-3 business days | 150+ countries | 4.3/5 | Multi-currency accounts |
| Remitly | $0-$3.99 | 0.5-2% | Minutes to 3 days | 170+ countries | 4.2/5 | Fast transfers |
| OFX | $0 | 0.4-1.5% | 1-3 business days | 190+ countries | 4.3/5 | Large transfers |
| Western Union | $0-$45 | 1-3% | Minutes to 5 days | 200+ countries | 4.0/5 | Cash pickup options |
| Xoom | $4.99-$30.99 | 1-3% | Minutes to 2 days | 130+ countries | 4.1/5 | PayPal integration |
Compare Current Rates
Exchange rates fluctuate constantly. Check the latest rates before making your transfer decision.
Wise: Best for Transparent Pricing
Formerly known as TransferWise, Wise has built its reputation on transparency and competitive pricing. Unlike many competitors, Wise uses the real mid-market exchange rate and clearly displays all fees upfront, making it one of the most reliable apps for sending money abroad when cost-effectiveness is a priority.
Advantages
- Uses the real mid-market exchange rate with no markup
- Transparent fee structure clearly displayed before confirming transfers
- Multi-currency account with local bank details in 10 currencies
- Debit card available for spending in 200+ countries
- Regulated by financial authorities in multiple countries
- Excellent mobile app with intuitive interface
Limitations
- No cash pickup options available
- Transfers can take 1-2 business days for some currencies
- Customer support can be slow during peak times
- Percentage-based fees can be higher for large transfers
Key Security Features
Wise implements bank-level encryption, 2-factor authentication, and is regulated by financial authorities worldwide including the FCA in the UK and FinCEN in the US. They verify all accounts to prevent fraud and monitor transactions 24/7.
Try Wise for Your Next Transfer
Experience transparent pricing and competitive exchange rates with no hidden fees.
Revolut: Best for Multi-Currency Management
Revolut goes beyond simple money transfers to offer a comprehensive financial platform with multi-currency accounts, budgeting tools, and investment options. For frequent travelers or those who regularly deal with multiple currencies, Revolut provides an all-in-one solution for managing international finances.
Advantages
- Hold, exchange, and manage 30+ currencies in one account
- Interbank exchange rates on weekdays (with limits based on plan)
- Physical and virtual debit cards available for spending
- Additional features like budgeting tools and investments
- Fee-free ATM withdrawals (with monthly limits)
- Instant transfers between Revolut users worldwide
Limitations
- Weekend exchange rate markup of 0.5-1%
- Premium features require paid subscription plans
- Limited availability in some regions
- Customer support can be difficult to reach
Subscription Plans
Revolut offers tiered plans from free to Premium and Metal, with increasing benefits for international transfers, higher exchange limits, and additional features. Higher-tier plans provide better rates for frequent users.
Manage Multiple Currencies with Revolut
Open a multi-currency account and simplify your international finances.
Remitly: Best for Fast Transfers
Remitly specializes in quick and reliable international transfers with a focus on remittances. The app offers both Express and Economy options, allowing users to choose between speed and cost based on their priorities. With extensive delivery methods including cash pickup and home delivery in some countries, Remitly provides flexibility for recipients.
Advantages
- Express transfers delivered within minutes in many countries
- Economy option for cost-conscious users
- Multiple delivery methods including cash pickup and home delivery
- First transfer promotion with reduced fees
- Delivery guarantee or money back
- 24/7 customer support in multiple languages
Limitations
- Exchange rate markups can be higher than some competitors
- Express transfers incur higher fees
- Limited sending countries (primarily US, Canada, UK, Australia)
- Transfer limits may be restrictive for some users
Delivery Options
Remitly offers exceptional flexibility with bank deposits, cash pickup at over 350,000 locations worldwide, mobile wallet deposits, and even home delivery in select countries, making it one of the most reliable apps for sending money abroad to recipients without bank accounts.
Send Money Fast with Remitly
Get your first transfer fee-free and enjoy express delivery options.
OFX: Best for Large Transfers
OFX specializes in larger international transfers with no upper limit and competitive exchange rates that improve as the transfer amount increases. With 24/7 customer support and the ability to lock in exchange rates, OFX is particularly well-suited for businesses, property purchases, and other substantial international payments.
Advantages
- No maximum transfer limit
- No transfer fee for most transactions
- Better exchange rates for larger amounts
- 24/7 customer support from currency experts
- Forward contracts to lock in exchange rates
- Specialized business services available
Limitations
- Minimum transfer amount of $1,000 in most countries
- No cash pickup options
- Transfers typically take 1-3 business days
- Mobile app has limited functionality compared to website
Business Features
OFX offers specialized services for businesses including mass payment capabilities, risk management tools, and dedicated account managers. Their API integration options make it suitable for companies with regular international payment needs.
Save on Large International Transfers
Get competitive rates with no transfer fees for your significant international payments.
Western Union: Best for Global Reach
With over 200 countries and territories served and 500,000+ agent locations worldwide, Western Union offers unparalleled global reach. The app combines digital convenience with physical pickup options, making it one of the most reliable apps for sending money abroad to almost any location, including remote areas with limited banking infrastructure.
Advantages
- Unmatched global network with 500,000+ locations
- Multiple delivery options including cash pickup
- Transfers to remote locations with limited banking
- Minutes-to-cash option for urgent transfers
- No recipient bank account required
- Established brand with decades of experience
Limitations
- Higher fees compared to digital-only providers
- Less competitive exchange rates with higher markups
- Fee structure can be complex and varies by destination
- App functionality is more limited than newer competitors
Cash Pickup Process
Western Union’s cash pickup service allows recipients to collect funds at agent locations by presenting ID and a tracking number (MTCN). This service is invaluable for sending money to recipients without bank accounts or in areas with limited banking infrastructure.
Send Money Almost Anywhere
Reach recipients in over 200 countries with multiple delivery options.
Xoom: Best for PayPal Users
As a PayPal service, Xoom offers seamless integration with PayPal accounts, making it particularly convenient for existing PayPal users. The app supports transfers to over 130 countries with multiple delivery methods and additional services like bill payments and mobile top-ups in select markets.
Advantages
- Seamless integration with PayPal accounts
- Multiple delivery options including cash pickup
- Bill payment services in select countries
- Mobile top-up capabilities
- Status tracking for all transfers
- 24/7 customer service
Limitations
- Higher fees compared to some competitors
- Exchange rate markups reduce value
- Limited sending countries (primarily US, Canada, UK, EU)
- Variable fees based on destination and payment method
Additional Services
Beyond money transfers, Xoom offers bill payment services in select countries, allowing users to pay utilities, mobile bills, and other expenses directly. The mobile top-up feature lets users add airtime to prepaid phones internationally.
Use Your PayPal Balance for International Transfers
Send money abroad directly from your PayPal account with Xoom.
Security Considerations for Money Transfer Apps
When choosing the most reliable app for sending money abroad, security should be a top priority. Reputable money transfer apps implement multiple layers of protection to safeguard your funds and personal information.
Encryption Standards
Look for apps that use bank-level encryption (256-bit SSL) to protect your data during transmission. This technology scrambles your information, making it unreadable to unauthorized parties. All the apps reviewed in this article implement strong encryption protocols that meet or exceed industry standards.
Authentication Methods
Two-factor authentication (2FA) adds an essential layer of security by requiring something you know (password) and something you have (mobile device). Biometric authentication like fingerprint or facial recognition provides additional protection. Always enable these features when available.
Regulatory Compliance
Reliable money transfer apps are licensed and regulated by relevant financial authorities such as the Financial Conduct Authority (FCA) in the UK, FinCEN in the US, or equivalent bodies in other jurisdictions. These regulations require apps to implement anti-money laundering (AML) and know-your-customer (KYC) procedures.
Fraud Protection Measures
The most reliable apps for sending money abroad employ sophisticated fraud detection systems that monitor transactions for suspicious activity. Many offer guarantees against unauthorized transactions and have dedicated fraud teams to investigate issues. Always verify recipient details carefully, as most apps cannot reverse completed transfers.
Security Best Practices
- Use unique, strong passwords for your money transfer accounts
- Enable two-factor authentication whenever possible
- Verify recipient details before confirming transfers
- Only download apps from official app stores
- Keep your device’s operating system and apps updated
- Monitor your account regularly for unauthorized activity
- Use secure, private networks when making transfers
Learn More About Financial Security
Discover additional ways to protect your money when making international transfers.
Expert Tips for Using Money Transfer Apps
Maximize the value and reliability of your international transfers with these expert tips for using money transfer apps effectively.
How can I avoid hidden fees?
Look beyond the advertised transfer fee and examine the exchange rate being offered. Many providers hide their profit in the exchange rate markup rather than transparent fees. Compare the offered rate to the mid-market rate (available on sites like XE.com or Google) to identify hidden markups. Apps like Wise that use the mid-market rate with transparent fees often provide better overall value.
When is the best time to send money internationally?
Exchange rates fluctuate constantly based on market conditions. Monitor rates using tools provided by transfer apps or independent sites like XE.com. Some apps like OFX allow you to set rate alerts or lock in favorable rates when they appear. Avoid weekends if using services like Revolut that charge higher markups during non-business days.
How can I ensure my recipient gets the maximum amount?
Choose the right transfer method based on the amount and destination. For smaller transfers, apps with flat fees may be more economical than those with percentage-based fees. For larger amounts, services like OFX often provide better rates. Consider the recipient’s preferences and access to banking services when selecting delivery methods. Sometimes a slightly higher fee for cash pickup might be worth it if it saves the recipient time or travel expenses.
What should I do if my transfer is delayed?
First, check the app’s tracking feature for status updates. Most delays are temporary and resolve within 24 hours. If the delay extends beyond the estimated delivery time, contact customer support through the app or website. Have your transaction details ready, including the confirmation number. For persistent issues, escalate to supervisors or use social media channels where companies often respond quickly to preserve their reputation.
How can I save on regular international transfers?
For recurring transfers, consider services with loyalty programs or subscription options. Revolut’s premium plans offer higher fee-free transfer limits. Some apps provide discounts for setting up recurring transfers. Multi-currency accounts from Wise or Revolut can help you time your exchanges strategically while minimizing transfer fees. Business users should explore specialized services with volume discounts or preferential rates.
How to Choose the Right Money Transfer App for You
With so many options available, selecting the most reliable app for sending money abroad depends on your specific needs and priorities. Consider these key factors when making your decision:
Best for Low Fees
- Wise – Uses mid-market exchange rate with transparent fees
- Revolut – Offers fee-free transfers up to certain limits
- Ideal for: Frequent transfers where cost is the primary concern
- Consider when: You’re sending to major currencies and banking destinations
- Avoid if: You need cash pickup options or instant delivery
Best for Speed
- Remitly – Express option delivers within minutes
- Western Union – Instant cash pickup at agent locations
- Ideal for: Emergency situations requiring immediate funds
- Consider when: Recipient needs money urgently
- Avoid if: You’re very cost-conscious and can wait a few days
Best for Large Amounts
- OFX – No maximum limit with better rates for larger transfers
- Wise – Transparent pricing even for substantial amounts
- Ideal for: Property purchases, investments, business payments
- Consider when: Sending $5,000+ internationally
- Avoid if: You need instant transfers or cash pickup
Best for Global Reach
- Western Union – 200+ countries with 500,000+ locations
- Remitly – Extensive delivery network including remote areas
- Ideal for: Sending to uncommon destinations or rural areas
- Consider when: Recipient has limited banking access
- Avoid if: Competitive exchange rates are your top priority
Best for Convenience
- Xoom – Seamless PayPal integration
- Revolut – All-in-one financial platform
- Ideal for: Users who value integrated financial services
- Consider when: You already use related services (PayPal, etc.)
- Avoid if: You’re looking for the absolute lowest fees
Best for Businesses
- OFX – Specialized business services and high limits
- Wise Business – Multi-currency accounts with local details
- Ideal for: International payroll, supplier payments, invoicing
- Consider when: You need regular business transfers
- Avoid if: You need immediate cash pickup options
“The best money transfer app isn’t universal—it depends entirely on your specific needs, destination country, amount, and how quickly the recipient needs the funds. Many experienced international transferers use multiple apps for different situations.”
Finding Your Most Reliable App for Sending Money Abroad
After thoroughly analyzing the leading international money transfer apps, it’s clear that reliability comes in different forms depending on your specific needs. For transparent pricing and excellent overall value, Wise stands out as a top contender. Revolut offers exceptional versatility for those managing multiple currencies, while Remitly excels in speed and delivery options. OFX provides outstanding value for larger transfers, Western Union offers unmatched global reach, and Xoom delivers seamless integration with PayPal.
The most reliable app for sending money abroad is ultimately the one that best addresses your specific requirements—whether that’s cost, speed, convenience, or global reach. Many experienced users maintain accounts with multiple services to optimize for different situations. By understanding the strengths and limitations of each app and following the security best practices outlined in this guide, you can ensure your international transfers are completed safely, efficiently, and cost-effectively.
Adam G
This post was created by Adam G, a seasoned financial writer with a passion for explaining currency exchange and market movements