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Transferring Money Internationally on Mobile

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As technology progresses, the number of people interested in conducting mobile money transfers with no human involvement is increasing. Companies like World First, Transferwise, Azimo, and FairFX have mastered the art of the swift, hassle-free registration process, and they are now offering the best international mobile money transfer providers.

The way these apps work is rather simple. You sign up on their website and set up an account, and you can then send money internationally or receive money from abroad on the go through their app.

 

Top Mobile-Friendly Foreign Currency Payment Apps

Top Recommended

World First App


Google Play Rating: 4.5 / 5 (67 votes)


Company Rating: 95.8% (Review)


Geo Availability: EU/UK/AUS


Device Availability: iPhone, Android, and Smart Watch


Pay With: Debit Card (UK), Bank Wire


Features: Currency Conversion, Rate Watch Tools, Market Updates, Send Money Abroad £1,000+


Get the App: Via Website

Most Popular

Transferwise App


Google Play Rating: 4.5 / 5 (4,500 votes)


Company Rating: 81.8% (Review)


Geo Availability: USA/UK/EU/AUS


Device Availability: iPhone, Android


Pay With: Debit Card (Europe), Bank Wire


Features: Currency Conversion, Send Money Abroad from £8


Get the App: Via Website

Azimo App


Google Play Rating: 4.3 / 5 (632 votes)


Company Rating: 87.6% (Review)


Geo Availability: EU/UK


Device Availability: iPhone, Android


Pay With: Debit Card , Bank Wire


Features:  Send Money Abroad to 190 countries – Bank account or Cash Pickup


Get the App: Via Website

FairFX App


Google Play Rating: 3.5 / 5 (239 votes)


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

Currencies Direct App


Google Play Rating: 3.5 / 5 (8 votes)


Company Rating: 93.8% (Review)


Geo Availability: UK/ EU/ Australia


Device Availability: iPhone,


Pay With: Debit Card (UK), Bank Wire


Features: Send Money Abroad, Watch Rates


Get the App: Via Website

TorFX App


Google Play Rating: N/A On Play Store


Company Rating: 93.4% (Review)


Geo Availability: UK/ EU/ Australia


Device Availability: iPhone


Pay With: Debit Card (Europe), Bank Wire


Features: Send Money Abroad, Watch Rates


Get the App: Via Website

OFX App


Google Play Rating: 4.2 / 5 (1,300 votes)


Company Rating: 88.8% (Review)


Geo Availability: EU/UK/AUS/USA/CA


Device Availability: iPhone, Android


Pay With: Debit Card (local settlement), Bank Wire


Features: Currency Conversion, Rate Watch Tools, Market Updates, Send Money Abroad £1,000+


Get the App: Via Website

WorldRemit App


Google Play Rating: 4.5 / 5 (5,500 votes)


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: Via Website

Western Union App


Google Play Rating: 4.5 / 5 (26,000 votes)


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

CurrencyFair App


Google Play Rating: 4.2 / 5 (500 votes)


Company Rating: 83% (Review)


Geo Availability: UK/EU


Device Availability: iPhone, Android


Pay With: Bank Wire


Features: Currency Conversion, Send Money Abroad (any amount)


Get the App: Via Website

Payoneer App


Google Play Rating: 4.2 / 5 (7,000 votes)


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

Your App Here


Google Play Rating: 


Company Rating: 


Geo Availability:


Device Availability: 


Pay With:


Features:


Get The App: Via Website


These are the reasons why we chose these particular apps:

Availability

All recommended money transfer apps are available for both iPhone and Android. They are both mobile phone and tablet friendly, so no matter which device you have, you can use the apps.

Regulation

All apps featured on this webpage are authorised as payment facilities by the Financial Conduct Authority in the UK. Funds are loaded via bank wire or credit card.

Pricing

The foreign exchange rates offered by these companies are far superior to those offered by banks or payment systems such as Paypal. 


Mobile Payment Apps & Providers

(Do Not Necessarily Support Multiple Currencies)

Our focus is definitely on large international money transfers through foreign exchange specialist companies, but we cannot cover the topic of payment apps without including the following apps:

Featured: Circle Pay App

Read our Circle Pay App review with a comprehensive Q&A explaining the ins and outs of the service. It is worth checking out and getting to know one of the up-and-coming contenders in money transfer and payment apps.

Questions Asked

  • What is Circle Pay all about? Personal payments or remittances? Is it a means of communication? An eWallet? What’s the end goal?
  • How does Circle Pay work? Is it connected to a debit card? Can you fund your account using a bank wire?
  • Which services is Circle Pay integrated with? iMessage is one I read about, but there are surely more.

… and many more!

More Payment Apps:

Apple Pay


Google Play Rating: N/A


By Which Company: Apple Inc


Geo Availability: UK and USA


Device Availability: iPhone


How Payment Works?

Stores Debit, Credit and Loyalty cards in Wallet. Hold smart device near reader with finger on touch ID.


Features

Apple Watch functionality, In-App Store Orders, and Redeem gift cards and sales promotions.

 


Get the App:

Standard on Apple devices

Venmo


Google Play Rating: 4.5 / 5 (21,961 Votes)


By Which Company: PayPal Holdings, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Store money. Transfer money to your bank instantly. Stores Debit and Credit cards. Send money to individuals only.


Features

Peer to Peer Payment with anyone (even if they don’t have an account), Stores Payment.

 


Get the App:

Android / Apple

Square Cash


Google Play Rating: 4.5 / 5 (7,120 Votes)


By Which Company: Square, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Stores Debit, Credit and Loyalty cards in Wallet. Hold smart device near reader with finger on touch ID.


Features

Peer to Peer Payment with anyone (even if they don’t have an account), Stores Payment, redeem gift cards and sales promotions.


Get the App:

Android / Apple

LoopPay


Google Play Rating: 3.5 / 5 (350 Votes)


By Which Company: LoopPay, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Mobile wallet case. Stores Debit, Credit and Loyalty cards. Pay vendors with tap of encased phone.


Features

Stores Payment, Redeem gift cards and sales promotions.

 


Get the App:

Android / Apple

Tilt


Google Play Rating: 4.3 / 5 (160 Votes)


By Which Company: Tilt.com, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Combines peer-to-peer payments and crowdfunding.

 


Features

Organizer can easily collect from contributors, and track payments.

 


Get the App:

Android / Apple

Dwolla


Google Play Rating: 4 / 5 (451 Votes)


By Which Company: Dwolla, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Stores Debit and Credit cards. Send money to individuals or businesses directly. $0.25 fee on payments over $10.


Features

Allows businesses to integrate Dwolla into apps.

 

 


Get the App:

Android / Apple

Popmoney


Google Play Rating: 3.5 / 5 (645 Votes)


By Which Company: Fiserv, Inc


Geo Availability: USA


Device Availability: iPhone, Android


How Payment Works?

Stores Debit and Credit cards. Send money to individuals directly.

 


Features

Peer to Peer Payment with anyone (even if they don’t have an account), Stores Payment, Redeem gift cards and sales promotions. $0.95 flat rate per transfer.


Get the App:

Android / Apple

PayPal


Google Play Rating: 4 / 5 (312,671 Votes)


By Which Company: PayPal Holdings, Inc


Geo Availability: Worldwide


Device Availability: iPhone, Android


How Payment Works?

Stores Debit and Credit cards. Send money to individuals directly. Shop online

 


Features

eWallet Payment with anyone, Stores Payment, Redeem gift cards and sales promotions.

 


Get the App:

Android / Apple


Currency Exchange Rates App

Download MoneyTransferComparion’s Currency Exchange app (Similar to XE.com).

 

Best Remittance Startup App

neemalogoNeema remittances allows for currency transfers to developing countries at a flat rate of 1%. It is currently available only from Israel to the Philippines, and gaining immense popularity among its sector with 2 land-based stores and full-time support. Read about Neema here.

More Apps We recommend:

View more expat apps here.

 


In-depth App Analysis

Discover More

Here at MoneyTransferComparison.com we specalise in reviewing FCA-approved money transfer companies. Even though app usage is becoming increasingly popular, it is an aspect often neglected by many of the companies we have reviewed to date (though most are mobile friendly).

View our in-depth reviews of the best money transfer apps for 2018:

World First App – iOS & Android

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  • Compatible with major devices (iPad, iPhone, Android phones and tablets)
  • Small or no fees (depending on your transfer size)
  • Suitable for both individuals and businesses
  • Intuitive platform
  • Quick Turnaround
  • Added perks like FX market news, alerts
  • Company Rating on our index: 5 stars – Rated #1

World First (read complete review) likes to give its clients options. In addition to its dedicated dealers and intuitive online platform, World First also offers an international payments app for its clients. The app, available for both Apple and Android products, gives customers the ability to perform all kinds of foreign exchange activities from their phone or tablet – wherever, whenever. As always, there are no hidden fees. The app is currently UK-facing, but be on the lookout for the international version, which will be available soon.

World First is the go-to specialist for thousands of clients to transfer money overseas quickly, securely, and at great rates. The World First app can be the one-stop shop for clients. It currently works best for private clients. Corporations and businesses can use the app for market news and updates, but cannot make payments.

Making Payments

The payment options can help you make a payment on your way to the airport, on the train, on a boat, or anywhere else with a cellular signal – no last minute calls to your designated dealer are necessary.

 Quick Trade: For the very active client, the quick trade function will change the way you make your payments. This feature allows clients who have already set up their beneficiaries to make a trade in as little as thirty seconds just a few taps and you’re finished.

 Payment Tracker: Clients will always know what’s going on with their transactions by using the payment tracker. No phone calls, emails, or notifications needed. See which stage your transaction is at and where your money is at that moment.

 Pay by Card: Clients based in the UK can pay with their debit cards – eliminating the need to do online banking alongside their transaction just one less thing to worry about.

Market News

While international payments are World First’s bread and butter, the app also provides a place for you to check the market and see what the rates are up to at that moment.

Currency Converter: If you’re debating whether or not to send or receive a payment that day, you can do a quick check of what type of exchange rate you could receive with this feature. This will give you an idea of what the rates are doing, and can help you decide what your next move should be.

Live Rates: Get a snapshot ofthe financial market by checking out WF’s live rates. It shows you the real time interbank rates and lets you interact with the historical data.

Market Updates: Catch up with WF’s Chief Economist and get the latest news on what’s going on in the market.

You can use all the useful tools the app offers without registering. However, if you wish to transfer money abroad, you’ll need to sing up. Don’t worry – it’s free, easy, and only takes about five minutes, and you could be sending money overseas within the hour. The app is available on iOS (Apple) and Android (Google OS). It is currently UK-facing but will soon have an international version available.

What Does It Look Like?
world-first-money-transfer-app-screenshot

 

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TransferWise App – iOS & Android

  • Available on Android & iPhone.
  • Very low fees.
  • Transfer as low as 1 Pound
  • Great interface.
  • Reputable company rated 4 stars by us – view the TransferWise review

 

TransferWise is the up-and ocming force in international FX transfers in the UK. It is backed by Richard Branson from Virgin, which means it has a lot of money to spend on advertising, technology and design.

Transferwise is not a traditional FX firm that buys and sells currency to clients, and handles the international transfer. It connects people on the platform allowing them to exchange currencies between them, with a fixed fee taken by TransferWise.

In theory, this should allow low exchange rates, but it is still not mature enough to compete with companies like MoneyCorp. View a currency exchange rate comparison here and an explanation of P2P Money Transfers here.

Still, TransferWise offers an incredible app that is very well-liked by its target audience. Its overall rankings on sites like TrustPilot are also extremely positive. People love the simplicity, comfort, and prompt support TransferWise offers, and we tend to agree that this is one of the best money transfer apps.

Overall Rating: 4.5 /5 (Android Store)

 

 

 

WorldRemit App – iOS, Android

  • Available on Android & iPhone.
  • Marginal fees per transfer.
  • No minimum transfer limit.
  • Straight and to the point app.
  • SMS notifications.
  • Reputable company rated: 9.4 / 10 by TrustPilot (3.3 /5 Google Places)

 

World Remit is a UK-based company established in 2010, with funding of over USD 40M. The owner, Ismail Ahmed, is a veteran in the world of remittance, and the company’s focus is on global reach while maintaining reasonable costs.

There are currently 100 employees employed in the company, and the management and board of directors consist of people with vast expertise in this particular topic of money transfers.

The App

The WorldRemit app, available for the majority of mobile devices, is great. Simply put, it allows you to make the transactions you want, on the go. With no rubbish and unnecessary pyrotechnics, the focus here is on a straightforward offering based around the company’s strengths; sending payments or remittances to a wide global audience quickly and easily, while paying less on currency exchanges than you would if you were to use the banks.

Methods

The app supports bank to bank payments, as well as cash pickups. The offering is dependent on location. In order to use this software you will have to sign up as a client of World Remit.

App Reviews (From Google Play)

– “I send money to BDO Philippines It arrives in my girlfriend’s bank within minutes, much better than western union. The app is so easy to use” (5 Stars)

– “Amazing service Love it. You guys are making your service even better. Keep it up” (5 stars)

-“Wat a fantastic app!!! Made a transaction via d app and got 2 my bank in Nigeria d nxt day also customer service is excellent. They respond 2 complaints a.s.a.p, no more queueing in shops again when I can send money via d app or my laptop also its secure service thumbs up, d only problem was uploading my photo I which was cumbersome but was soon sorted by me in no time, will use again and again!!” (5 stars)

Overall Rating: 4.3 /5 (Android Store)

 

Bonus: Bitcoin Transfer via App

Please Note: Since many Bitcoin apps were removed from the Apple apps store around 2014, we focused on the Android / Google Play market when we looked for the top bitcoin transfer app.

Bitcoin Wallet – 

  • Android only.
  • No registration, de-centralised.
  • Currency rate available with a selection of coins.
  • Cheapest and fastest way to transfer money.
  • Address book for acquaintances.
  • Notifications upon successful trade.
  • App Rating : 4 / 5- Google Play

 Even though our focus here is on “regular” currencies, rather than cryptocurrency, we felt like we couldn’t create a worthwhile section about money transfer apps without mentioning Bitcoin.

Bitcoin is a speculative currency, that must be said. Even the biggest supporters still don’t know how to predict the value of it in the future. It is also not widely used across the globe. Recently, Bitcoin forums have announced they crossed the 100,000 shops-that-accept Bitcoin mark, and that is great, but still not enough to store your money in that format (unless you have plenty of it and willing to take a risk).

In that regard it should be said, that depending on your geographical location, you might have trouble exchanging Bitcoins with your local currency easily. If you have to swap from Pound to Dollar, for example, before buying Bitcoins on an online exchange in USD, the whole concept of paying no exchange rate margins sort of fades away.

Still, the growing Bitcoin trending, as well asbeing able to do more with it, could signal a revolution when it comes to remittance transfers. It is all done in a matter of seconds, without having to report it to anyone or identify, and the fees you pay for each transfer are indeed marginal. It has a true worldwide reach, as anyone can have a Bitcoin account.

Among its kind, Bitcoin Wallet is excellent.

  • You can get the information you need by comparing the Bitcoin to a selection of global currencies; Using this feature you can make better decisions on when to transfer it, when to buy it, and when to sell it.
  • You can transfer Bitcoins to any account in the world in a matter of minutes, and pay less on currency exchanges.
  • It is clear when a trade is complete (you receive a notification).
  • You don’t need anything beyond this app if you want to transfer Bitcoins, it’s not lacking by any means compared to the web version of Bitcoin wallets.

Good and Simple Wallet… This is good & simple BTC wallet, but why we can’t generates new address manually…. Thanks” (5 star rating)

 

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29 comments

  1. melisa

    I want to transfer money to uganda using mobile transfer

    Posted on June 20, 2015
    • compare

      Uganda is problematic when it comes to currency transfers.
      May I suggest bitcoin or eWallets like Paypal?
      Paypal is 4% fees or so, BitCoin would be almost free to transfer, but on the other hand, hard to cash out.
      Give us more details and we would try to think of a solution for you because our recommended apps won’t do that.

      Posted on June 24, 2015
  2. ali

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

    Posted on July 6, 2015
  3. Elabeh Hussein

    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

    Posted on August 25, 2015
    • compare

      Dear Sir,

      If I understand you correctly, you want to transfer money from UK, or Switzerland into Somaliland.
      I am happy to announce World Remit does provide this service to ZAAD.
      You sign up with the company, log in (app or desktop), and then you can initiate the transfer from a UK bank account, or debit card, to Somaliland.

      We would be very happy to hear if it worked out for you!

      Regards
      MoneyTransferComparison

      Posted on August 25, 2015
  4. amit jaglan

    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.

    Posted on October 15, 2015
  5. akhil

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

    Posted on October 28, 2015
    • compare

      I suggest you have a look at World First. Transferwise, Azimo, and World Remit don’t currently allow transactions between INR and BRL… and World First is far more comprehensive in reach… It’s tough finding companies that take on Indian clients because of the high fraud rate in the country. Hope this worked for you. Let us know.

      Posted on October 28, 2015
  6. Donat

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

    Posted on November 14, 2016
    • compare

      You can use World Remit. Good luck!

      Posted on November 14, 2016
  7. steph

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

    Posted on January 18, 2017
    • Compare - MTC Admin

      All our recommended apps for international money transfers would support Aus to Mauritius banks transfers. Go ahead and pick the one you like.

      Posted on January 18, 2017
  8. sahalahmad

    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

    Posted on January 21, 2017
  9. Juliana Amponsah

    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??

    Posted on February 6, 2017
  10. Alejandro Carlos

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

    Posted on February 10, 2017
    • Compare - MTC Admin

      Hello, Alejandro. We would be happy to give tips on that. When you say a money transfer site, what do you mean exactly, though? A service enabling people to move money abroad? This is a very complex and very expensive operation. Definitely not the kind of thing someone should do out of the blue without a lot of industry knowledge and strong backing.

      Posted on February 14, 2017
  11. Michael jones

    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

    Posted on February 28, 2017
    • Compare - MTC Admin

      Hi Michael, thanks, what do you mean by “transfer site”?

      Posted on February 28, 2017
  12. Michael jones

    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?

    Posted on February 28, 2017
    • Compare - MTC Admin

      To start up your own money transfer app, website, company you will have to prove to the regulators that you have a sound financial foundation, and take care of a lot of paperwork.

      Posted on February 28, 2017
  13. Denis

    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.

    Posted on June 1, 2017
    • Compare - MTC Admin

      Sounds interesting indeed. We will look into it.

      Posted on June 1, 2017
  14. Alison

    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 been abroad to have a passport so I don’t have any photo I.d. I have also tried western union but don’t like it sometimes. So wonders what app u can recommend to me that serves the sane purpose and is as convenient and easy as the world remit app in till i can get my self some I.d. kind regards…alisin

    Posted on June 16, 2017
    • Compare - MTC Admin

      To Cameroon, eh? Not very easy to find. Perhaps Azimo which normally works with M-Pesa, is it still available over there?

      Posted on June 19, 2017
  15. Bright

    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 your reply by email.
    Thanks.

    Posted on August 6, 2017
    • Compare - MTC Admin

      Not sure what kind of feedback you are expecting mate.

      Posted on August 7, 2017
  16. Jerry

    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. .

    Posted on August 22, 2017
  17. josephat n

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

    Posted on October 4, 2017
    • Compare - MTC Admin

      Perhaps World Remit can be a fit for you, have a look there and let us know if you liked it.

      Posted on October 5, 2017

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