Best International Money Transfer Apps: List & Ratings

With excellent app choices for domestic money transfers, there’s an increasing demand for international money transfer apps as well. Why not send money internationally with a mobile app, if you save costs and hassle as compared to banks? Companies like OFX, Revolut and Wise who perfected the art of online money transfers,  have coincidentally created excellent international money transfer apps for both iPhone and Android, with complete functionality, excellent rates and an easy interface.

Top 3 International Money Transfer Apps

OFX
  • Min Transfer: £/€/$ 50
  • Currencies Supported: 140
  • Offices : UK, EU, USA, Australia, NZ and Canada.
  • Editorial App Rating : 98.4%
  • No Fees on Any Transfers from Anywhere, Excellent Rates for All Amounts

    Wide Global Reach with Local, Friendly, Support in Many Countries

    96% Customer Satisfaction, Very High Rating on Google and Apple Stores
Wise / TranserWise
  • Min Transfer: None
  • Currencies Supported: 44
  • Offices : UK, EU, Australia, USA, Japan, UAE, Ukraine, Brazil, Malaysia and Singapore .
  • Editorial App Rating : 94.1%
  • Smoothest Online System

    Public Company with Millions of Customers

    Very Transparent Fees Visible Prior to Signing Up
Currencies Direct
  • Min Transfer: £/€/$ 100
  • Currencies Supported: 39
  • Offices : UK, EU, USA, India, South Africa.
  • Editorial App Rating : 92.8%
  • Large Transfer Specialists - Get Guidance by Currency Dealers

    No Fees from Anywhere and Competitive Rates

    96% Client Satisfaction

How do international money transfer apps stack up?

View this cohesive comparison of all the top 10 money transfer apps currently on the market.

Wise App vs Revolut App vs OFX App

Money Transfer AppVerdictAndroid AppiPhone App# Reviews Google appRating Google# Reviews App StoreRating App StoreCompany Rating %
OFX🏆 Best OverallYesYes2,8824.5‎1,4284.890.4
Currencies Direct🏆Best editorial ratingYesYes3544.4743.797.8
Tor FX🏆Best phone supportYesYes2004.0514.493.4
Azimo❌ Discontinued, Used to be greatYesYes28,8214.622,7344.777.0
Revolut🏆Best bank-like functionalityYesYes1,188,2224.7442,1124.976.0
Currencyfair🏆Best rates through P2P systemYesYes5724.16704.789.1
Wise🏆Best customer reviewsYesYes134,9334.539,3124.886.8
Moneycorp🏆Best for businessesYesYes14111.5922.292.8

Are these Really the Best International Payment Apps?

If you want to transfer money or make a payment into an international bank account abroad, then yes! these apps are the ones we have discovered can save you most money and help you transfer money abroad with a fraction of the cost. These are also smooth-to-operate and friendly companies and their international payment app functionality is comprehensive. It could be noted that PayPal international payments app is smoother in essence, but it is not included on our top 10 due to the fact it’s expensive for cross-border payments. Similarly apps like Zelle or Venmo aren’t included because they don’t have the global transfer function. Data updated August 28, 2021

International Money Transfer Apps FAQ

  Are all of these apps regulated? Is my money safe?

Yes. All money transfer services in our top 10 money transfer apps list are authorised by the FCA for overseas payments. Your money is protected by the safe measures the FCA enforces on these companies, including segregating client funds from their own.

   How do I fund a transfer?

Either via debit or credit card (more expensive) or simply through a domestic bank transfer to an account provided to you.

 Can I send a payment through these apps and the recipient will receive it in cash?

No. Only bank to bank transfes are supported. The recipient will have to have a valid bank account.

  Once I register through the app, can I log in to the company’s desktop site too?

Yes, of course, providing the company has both app and desktop functionality. Revolut is the only major provider to run off just an app. Many of these companies offer telephone dealing, so you could even call your provider and make the transaction over the phone. Whichever way you prefer.

  Are all these apps by UK currency brokers?

Most of these companies would be considered brokerages with the exception of Revolut (which is a multi-purpose banking startup), Azimo (which is more geared towards remittances) and Wise.com (which is a dedicated online money transfer offering).

  Why aren’t Zell, Venmo and Square Cash on this list?

Because they don’t offer international payments at all.
Comments:
  • Xe’s app includes its currency conversion app
  • Revolut is not a money transfer app, per se
  • True for Jan 19, 2020

Additional Known International Payment Apps

Western Union App

  • Google Play Rating: 4.5 / 5 (116,500 ratings)
  • App Store Rating: 4.8 / 5 (153,100 ratings)
  • Company Rating: 42% (Review)
  • Geo Availability: Worldwide
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send Money Abroad, Pay Bills Directly with Hundreds of Stores.
  • Get the App: Android / Apple

WorldRemit App

  • Google Play Rating: 4.5 / 5 (41,700 ratings)
  • App Store Rating: 4.8 / 5 (28,600 ratings)
  • Company Rating: 81.0% (Review)
  • Geo Availability: USA/UK/EU/Asia/AUS
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Bank Wire
  • Features: Send Money Abroad – to Bank or cash pickup , 190 Destinations!
  • Get the App: Android / Apple

Xoom Money Transfer

  • Google Play Rating:4.3 / 5 (39,000 ratings)
  • App Store Rating: 4.8 / 5 (410,800 ratings)
  • Company Rating: 77.8%% (Review)
  • Geo Availability: Europe, USA
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Pay bills, Send money to bank accounts and pick-up locations
  • Get the App: Android / Apple

Orbit Remit App

  • Google Play Rating:4.5 / 5 (2,300 ratings)
  • App Store Rating: 4.7/ 5 (6,900 ratings)
  • Company Rating: 75% (Review)
  • Geo Availability: UK, Australia, New Zealand
  • Device Availability: iPhone, Android
  • Pay With: Bank Wire
  • Features: Make transfers, view recipients, live help chat functionality (new)
  • Get the App: Android / Apple

Transfergo App

  • Google Play Rating: 4.3 / 5 (3,000 ratings)
  • App Store Rating: 5 / 5 (7 ratings)
  • Company Rating: 72% (Review)
  • Geo Availability: UK, Europe
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send money to over 40 locations, View Recipients
  • Get the App: Android / Apple

Moneygram App

  • Google Play Rating: 3.5 / 5 (6,800 ratings)
  • App Store Rating: 4.8 / 5 (11,800 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: Worldwide
  • Device Availability: iPhone, Android
  • Pay With: Bank Wire
  • Features: Make payments, Check payment status, Pay bills, Find the nearest Moneygram location to you
  • Get the App: Android / Apple

Payoneer App

  • Google Play Rating: 4.1 / 5 (12,300 ratings)
  • App Store Rating: 3.6 / 5 (50 ratings)
  • Company Rating: 89.9% (Review)
  • Geo Availability: Worldwide
  • Device Availability: iPhone, Android
  • Receive To: Bank Account, Card
  • Features: Receive Business Payments from Abroad to a Bank Account or Dedicated Mastercard
  • Get the App: Via Website

FairFX Mobile Banking

  • Google Play Rating: 4.3  / 5 (920 ratings)
  • App Store Rating: 4.6 / 5 (560 ratings)
  • Company Rating: 86.8% (Review)
  • Geo Availability: UK/EU/AUS
  • Device Availability: iPhone, Android
  • Pay With: Debit Card (Europe), Bank Wire
  • Features: Currency Card Balance Tracking, Report Stolen Cards, Inquiries, Money Transfers
  • Get the App: Via Website

Remitly App

  • Google Play Rating: 4.8 / 5 (235,500 ratings)
  • App Store Rating: 4.9 / 5 (54,500 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: UK, Europe, US, Australia
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send Money Abroad – to bank or cash pickup
  • Get the App: Android / Apple

Paysend App

  • Google Play Rating: 4.6 / 5 (58,600 ratings)
  • App Store Rating: 4.2 / 5 (1,000 ratings)
  • Company Rating: 80.0% (Review)
  • Geo Availability: UK & EU
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Bank Wire
  • Features: Send Money Abroad – including card-to-card transfers. Track transfer status.
  • Get the App: Android / Apple

Ria Money Transfer App

  • Google Play Rating: 3.4 / 5 (6,700 ratings)
  • App Store Rating: 4.0 / 5 (2,100 ratings)
  • Company Rating: 76% (Review)
  • Geo Availability: Worldwide
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send money to bank accounts and cash pickup locations. Pay bills directly.
  • Get the App: Android / Apple

Instarem App

  • Google Play Rating: 4.1 / 5 (5,500 ratings)
  • App Store Rating: 3.5 / 5 (200 ratings)
  • Company Rating: N/A (Pending Review)
  • Geo Availability: USA/UK/EU/Asia/AUS
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Bank Wire
  • Features: Send Money Abroad – Bank-to-Bank to 55 Countries
  • Get the App: Android / Apple

Opal Transfer App

  • Google Play Rating: 4.1 / 5 (1,150 ratings)
  • App Store Rating: 4.1 / 5 (50 ratings)
  • Company Rating: N/A (Pending Review)
  • Geo Availability: UK/EU
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send Money Transfers to Europe
  • Get the App: Android / Apple

Sendwave App

  • Google Play Rating: 4.4 / 5 (21,700 ratings)
  • App Store Rating: 4.5 / 5 (6,900 ratings)
  • Company Rating: N/A (Pending Review)
  • Geo Availability: UK/EU
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Bank Wire
  • Features: Send Money to Africa and Asia. Bank-to-bank and cash pickup.
  • Get the App: Android / Apple

Transfer Galaxy App

  • Google Play Rating: 4.7 / 5 (4,000 ratings)
  • App Store Rating: 4.7 / 5 (400 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: UK/Europe/Nordics
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send Money Abroad to Africa & Asia. Specialist in Nordic Territories.
  • Get the App: Android / Apple

Ace Money Transfer App

  • Google Play Rating: 4.7 / 5 (16,400 ratings)
  • App Store Rating: 4.8 / 5 (8,700 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: UK/EU/AUS
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Credit Card, Bank Wire
  • Features: Bank-to-bank transfers to over 100 countries.
  • Get the App: Android / Apple

Small World Money Transfer App

  • Google Play Rating: 4.2 / 5 (5,500 ratings)
  • App Store Rating: 4.6 / 5 (4,100 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: UK/EU/US
  • Device Availability: iPhone, Android
  • Pay With: Debit/Credit Card, Bank Wire
  • Features: Send Money Abroad, Bank-to-Bank and Cash Pickup.
  • Get the App: Android / Apple

Unity Link Money Transfer App

  • Google Play Rating: 4.5 / 5 (2,100 ratings)
  • App Store Rating: 4.7 / 5 (2,000 ratings)
  • Company Rating: N/A (Review)
  • Geo Availability: UK
  • Device Availability: iPhone, Android
  • Pay With: Debit Card, Bank Wire
  • Features: Bank-to-bank, cash pickup, mobile money, airtime top up to Ghana & Gambia
  • Get the App: Android / Apple

Best Money Transfer App: Our Considerations

Compatibility

Funds are loaded via bank wire or debit/credit card. The process is easy and it’s clear how the payment process works. Once the transfer is initiated, users receive regular communication on the status of the transfer until it completes and reaches the beneficiary. All our best money transfer apps on this page offer sending money via app for Android and iPhone.

Regulation

All apps featured on this webpage are authorised as payment providers by the Financial Conduct Authority in the UK and regulated by the relevant authorities in the other territories in which they operate. The money you transfer in order to fund your transfer is kept in segregated client accounts.

Pricing

The foreign exchange rates offered by these companies are far superior to those offered by banks or payment providers such as Paypal. For example Wise offers FX margins that average around 0.5%, while Paypal’s currency exchange fees are nearing 4% in total, and banks generally charge spreads around 2.5%. The best FX exchange rate is far more possible to obtain with our choices than the alternatives.

International Money Transfer Apps Populraity

The mobile payment indutry has grown in 2021 at 16.3% compunding annual growth rate, reports BusinessWire, all while global payments grew  5% from 2020 (when they dipped 5% as a result of COVID), based on McKinsey. International money transfer apps, designed for the private consumer with its many shades (from investors who have businss to conduct abroad to immigrants who need to transfer money home), are a cross between these two growing sectors. Wise, one of best known and best rated money transfer apps, and one of our top choices as seen the international payment app comparison above, symbolises how really popular are these sort of apps today. The company was formed in 2012 and has slowly gained some traction and popularity, as well as deep-pocket investors who lined up behind over their first few years and then absolutely exploded in popularity. Nowadays as a public company trading on the London Stock Exchange, the company reports millions of new customers every year and trading volumes in the dozens of billions of dollars each year.

Using a Money Transfer App Vs. Desktop View

When it comes to choosing between making an online money transfer through a website or through an app, consider the following; international money transfer apps are the most intuitive but they are prone to errors in comparison to using a computer at home. It may prove best to set up new beneficiaries online and then conduct repeat transfers and check the status of payments through the provider’s app.

Mobile Apps

Desktop/Laptop/Tablets

To summarise, we believe that the majority of individuals and businsses who are transacting large sums of money will prefer to do it in front of the big screen rather than use the app. For sure they would if they have to input a person’s or a business’ bank account details.  

Final Word About International Money Transfer Apps

When considering how to find the best app to transfer money abroad, you need to consider what kind of offering does the company behind the app has. Our website, Money Transfer Comparison, has been reviewing money transfer companies for more than 5 years to this point, and on our search we have discovered a wide array of companies who do not support a mobile money transfer app, but also a subset of elite group of companies with fully functional international money transfer app.
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Jerry
5 years ago

Hello…
Western union & Money gram has stop me from sending money to my Friend that is going to school in Ghana so now i need to find a way to send him money preferably mobil so i would like your advice on which app. is best….
THANK YOU. .

melisa
7 years ago

I want to transfer money to uganda using mobile transfer

Denis
5 years ago

An app that’s worth mentioning for money transfers is Moneymailme. It also has a social part, where you can chat and video call your friends and at the same time send them money.

Michael
1 year ago

Hello,
Did you hear about Zelle international money transfer app? Is it good?
I read it is useful for peer-to-peer money transfers. What does it mean?
Why don’t you information on this app on your site?
Many thanks,

ali
7 years ago

how can i build similar apps. want start up a Money Transfer Mobile Application.

Elabeh Hussein
7 years ago

I want to transfer money to Somaliland using mobile transfer
like Worldremit.
But how i can i ownmy mobile money transfer
from uk or swiss to somaliland called zaad

amit jaglan
6 years ago

Dear Sir, I am from India. I am a school student 16 year old. I want to start a nonprofitable organisation. I have no bank account or anything else. So I want to know apps which would serve the purpose so that people around the globe can donate to my app wallet so that I can help some of little children who are poor, are living in bad conditions etc. I want to transfer money to various big organizations working for children’s welfare. Please send your answer to my email.

akhil
6 years ago

i want to send money to brazil from india suggest a application

steph
5 years ago

i want to send money from australia to mauritius bank by app on phone

sahalahmad
5 years ago

Your explanation is very informative. But Most of the persons don’t know how to transfer money in online from one place to another place actually some persons are taking internet help. By the by money transfer is a very important to family or friends. Now a day’s most of the public is using online money transfer. More information please visits the website.http://tawakalexpress.net

Juliana Amponsah
5 years ago

Dear Sir/ Madam.
Am Juliana Amponsah from Ghana. my friend has send me money by azimo with pick up location.
I went there and they said sorry i cant pick the money there.

Please what do i do??

Alejandro Carlos
5 years ago

Looking to create a money transfer site. Any suggestions about where to find info?

Michael jones
5 years ago

Very interesting information, shocking where are world is taking us! Only one question, could go more in depth with the start up of a ” transfer site”

Thankuuu

Michael jones
5 years ago

The one not to do without alot of industry knowledge and strong backing.. I guess I don’t eBen know what it means, moving money abroad?

Alison
5 years ago

Hey I would like to find a good alternative app to wich I can transfare money from my mobile in the UK to Cameroon as I have friends there I help and I have used world remit app but now it’s sayn my account is disabled and for nothing everything was going fine no problems in till they sent me an email sayn I no longer fit the criteria and my account would b suspended . I assume this is cause I have no photo I.D but I’m only in my early twenties so I don’t drive or have never… Read more »

Bright
5 years ago

Hi, my name is Bright, and just like Alejandro, i am a startup, i want to create a Money transfer app, i will need tips on the basics of starting. I have my basic knowledge of the industry background already, and i’m also already putting in all the necessary paperwork knowledge… I greatly will appreciate any tip on the basics of starting out with the app, and also, i am planning on building it to be able to work with your app, while mine will serve as a form or resident app in my country to yours… I will appreciate… Read more »

josephat n
4 years ago

I want to send money from kenya to
Europe which is the best app

Romeo Mendoza
4 years ago

Hi! I have a business here in Manila – importation of machine spare parts. Can I send money (as payment for orders) from Philippines to the bank account of my suppliers from different countries (U.S.A., Germany, Netherlands, Singapore)? Or to simplify my question, does my suppliers need also Transferwise account to receive money?

I would be glad if you can contact me thru e-mail for my clarifications.

Thank you.

Oscar
4 years ago

I’ve been using the Transferwise app for almost 2 years and never had a problem with it. Top notch app. Does what it says and doesn’t disappoint.

Stephen
4 years ago

please how do I send money from Lybia to Nigeria… very urgent please ….

Imran Khan
4 years ago

Nice Article

Bradley
3 years ago

Until recently, the only mobile app for money transfers I ever used was Venmo. But now I started using Transferwise and seems very good.

Question: Is there another company that works similar to Transferwise but with a better exchange rate for USD to EUR? I don’t transfer big amounts but I will take any discount I can get :)

Simona
1 year ago

Nice article Thanks. But for me all those have same system, still high commission rates or unfair rates for currencies. Also registration of account is frustrating. P2P systems are the best. my fav app is Winngie.

Martsin Luckievič
8 months ago

I have used a combination of Revolut and Wise for a while to switch around currencies and get the best exchange rates. The banks are losing so much in this department. I hear of more and more friends using these neobanks. Banks are only used for company accounts lately.

Teresa
7 months ago

I’ve used Remitly app and it’s good. Cheap and well-made. Why doesn’t it rank in your list of top 10 money transfer apps?

Paige
6 months ago

I don’t understand something with Wise. The are great, it’s not that. But how come I can send money to myself from the US to any country in Europe, but I can’t send money to myself from Europe to US? I don’t get it at all.

Milo Smets
6 months ago

Which apps can send money to Nigeria? I know of Remitly but now seeing so many options, I wonder if I can get better rates somewhere else.

Violeta
6 months ago

Tried using Azimo and after a 1 hour of trying to make the transaction, I learn that I can’t send money to Columbia. Why say it can do worldwide transfers when this is not the truth?

Mutaz
5 months ago

Why is it taking sometimes 72 hours or more to transfer money to my bank when the website says other time frames? Is the second time working with Moneycorp and it always take like 3 days. The service is good but I feel like it’s kind of slow.

Isabel
5 months ago

What is the maximum amount that can be transferred with the OFX app? I know about the minimum transfer amounts but wondering is there is a top on how much can you send abroad with the OFX mobile app.

Reshmin
5 months ago

I need to transfer money from London to Bangladesh every month and use an android phone. which app is best?

Petra
4 months ago

Found this page a while back and really glad I did because I gave Opal a try and did several transfers with them. They have great support!

Should I Use Money Transfer Apps for International Payments? - Skinny Spending
4 months ago

[…] the best way to transfer money abroad – whether via banks, via brokerages or via apps depends on the wants and needs of the customer, which is why we have detailed a list of five very […]

Gonzalez
3 months ago

Thus far, I’m really impressed with the app and the versatility it provides in handling multiple currencies. I’m still exploring its features and often surprised to find myself using certain solutions to problems I didn’t realize I had.

jakub
15 days ago

I don’t agree with your analysis “Using a Money Transfer App Vs. Desktop View” – I use TransferWise to transfer money abroad since 2018 and I have transferred thousands of dollars using their mobile app and never had an issue (I rarely had issues but they were not related to the fact I used the app version).

Luca
1 day ago

PayPal is the best way to transfer money abroad because it’s instant. All these services are as slow as banks.

Donat
5 years ago

I want to transfer money from india to RWANDA. Through mobile transfer Which app may i use??