The Best International Money Transfer App in 2025

Criteria for Choosing a Money Transfer App

When selecting an international money transfer app, it’s essential to consider several factors to ensure you choose a service that fits your needs. Here are some important criteria to keep in mind:

• Transparency: Look for apps with a clear fee structure and transparent exchange rates.
• Competitive Rates: Compare the exchange rates offered by different services, as even small differences can significantly impact the amount received by the recipient.
• Hidden Fees: Be cautious of apps that advertise “zero fees,” as they may offset costs with unfavorable exchange rates.
• Urgency: If your transfer is time-sensitive, prioritize services that offer instant or same-day delivery.
• Tracking:Choose apps that allow you to track the progress of your transfer.
• Reliability:Ensure the service has a proven track record of timely transfers.
• Regulation and Licensing:Opt for a service that is licensed and regulated in the relevant countries to ensure the security of your funds.
• Security Measures:Look for features such as encryption, two-factor authentication, and fraud detection systems.
• Reputation: Consider the provider's reputation and read reviews from other users.
• Payment Options:Evaluate the available payment methods supported by the app, such as bank transfers, debit/credit cards, and mobile wallets.

These are the key factors to consider when choosing an app for sending money internationally. 

5 Best International Money Transfer Apps 2025

Take a look below to know about the five best international money transfer app along with their details:

1. Wise

The term “wise” can have multiple meanings depending on the context. Most commonly, it describes a person who possesses excellent judgment and understanding, often gained through experience and learning. In a more literal sense, “Wise” can refer to a smart or shrewd business or financial decision, or even a specific type of software or hardware, such as the Kohler H2Wise+ smart water monitor.

Top Features

• Payment Options:Direct debit (ACH), debit/credit card, Apple Pay, Google Pay, wire transfer.
• Receiving Methods:Wise account, bank account.
• Speed: Transactions take a few seconds to up to 2 business days.
• Transaction Limit:Up to USD 50,000 per 24 hours with debit cards, and up to USD 2,000 per 24 hours with credit cards (limits vary by currency).

Who Should Use Wise?

Individuals and businesses seeking cost-effective international transfers with transparent fees and mid-market exchange rates. It is also suitable for freelancers and global businesses that receive payments internationally and require local bank details in 23 currencies. Users managing multiple currencies can benefit from Wise’s multi-currency account and real-time exchange rate tracking. Thus, it is the best international money transfer app to send or receive payments.

2. Remitly

Remitly is a digital service primarily focused on international money transfer, particularly for immigrant communities. It allows users to send money between countries via a mobile app or website, emphasizing ease of use, security, and affordability.

Top Features

• Payment Options: Bank transfers, credit cards, debit cards, Apple Pay, and Google Pay (options vary by country).
• Receiving Methods:Bank transfer, cash pickup, mobile wallet, home delivery.
• Speed:Offers two main transfer speeds:Economy and Express. Economy transfers typically take 3-5 days, while Express transfers can be completed within minutes, especially when funded by a debit card.
• Transaction Limit: Limits vary by country, with some countries offering relatively high limits.

 Who Should Use Remitly?

Remitly is ideal for individuals who need to send money quickly and securely to family and friends internationally. It is particularly cheapest international money transfer for users in developing countries. However, for business transactions, large transfers, or those seeking specific or optimal exchange rates, users should consider alternatives.

3. Revolut

Revolut is a financial technology company that provides a comprehensive suite of digital banking services, including a money transfer app. It enables users to send money internationally to over 160 countries, exchange 36 currencies, and receive payments from abroad, all within a user-friendly mobile application.

Top Features

• Payment Options: Pay or transfer via the Revolut app (fee-free between Revolut accounts), bank transfers, and SWIFT.
• Receiving Methods:Linked bank accounts to the Revolut account.
• Speed: Transfers can take between 1 to 5 business days or longer, depending on the method.
• Transaction Limit: There are limits on both inbound and outbound transfers that vary based on currency and location.

Who Should Use Revolut?

Individuals looking for a financial app that combines money transferring, spending, saving, and investing in one platform. It is also suitable for frequent travelers and expats needing a multi-currency account with real exchange rates for international transactions. Users interested in financial tools like stock trading, cryptocurrency investment, and in-app budgeting features will also find Revolut beneficial.

4. OFX

OFX (formerly known as OzForex) is a financial technology company that provides money transfer services and financial software. It offers international money transfer to both individuals and businesses and supports the OFX open standards for financial data exchange. It has a usability rating of 3.5/5.

Top Features

• Payment Options: Direct bank transfers, inclusive of options for single, recurring, and forward/limit orders.
• Receiving Methods: Primarily facilitates international money transfer onlinedirectly to bank accounts.
• Speed: Transfers can take 1 to 5 business days, with some transactions being completed within 1-2 days.
• Transaction Limit: OFX does not impose a maximum amount for transfers.

Who Should Use OFX?

OFX is ideal for businesses and individuals making large international transfers, as it has no maximum transfer limit and competitive exchange rates. It is also suitable for users requiring advanced currency management tools, such as rate locking and limit orders, to handle exchange rate fluctuations. Users preferring bank-to-bank transfers will appreciate that OFX does not support cash pickups or alternative payout methods.

5. WorldRemit

WorldRemit is an authorized and regulated money transfer service, licensed by the FCA and operating as a money transmitter in the U.S. It has partnered with 144 payout locations across over 130 countries, serving over eight million customers worldwide. The service offers various payout options, including bank transfers, mobile money, and cash pickups.

Top Features

• Payment Options: Bank deposits and debit card transfers.
• Receiving Methods: Airtime top-ups, bank transfers, mobile money, and cash pickups.
• Speed:Many transfers are instant, depending on the destination and payment method.
• Transaction Limits: Limits vary by destination.

Who Should Use WorldRemit?

Individuals looking for flexible receiving options, such as cash pickups, mobile money, bank transfers, and airtime top-ups, which may not be available with all providers. Senders making small to medium transfers who require fast delivery, as WorldRemit supports instant or same-day transactions in many cases. Users who prefer a fully digital experience, as WorldRemit operates entirely online with no need for in-person visits. Thus, if you want to do instant international money transfer WorldRemit will be a best option for you.

This summary provides everything you need to know about WorldRemit, Wise, OFX, Remitly, and Revolut, including their key features and the ideal users for the service. 

Comparison Table of International Money Transfer Apps

Take a look at the comparison table of Wise, Remitly, Revolut, OFX and WorldRemit:

This table compares some of the best international money transfer app available for individuals.

Tips to Save Money on International Transfers

When it comes to international money transfers, saving money is often a top priority. Here are some key tips to help you reduce costs and maximize the value of your transfers:

1. Don’t settle for the first rate you see. Exchange rates and associated fees can vary significantly between different providers.
2. Use online comparison tools. Evaluate services to find the most favorable exchange rate and the lowest fees.
3. Focus on exchange rate markups. Some providers might offer low upfront fees but inflate the exchange rate to make a profit. Look for services that offer transparent, real-time exchange rates close to the mid-market rate.
4. Request a clear breakdown of all costs before initiating a transfer, including potential fees from intermediary or beneficiary banks.
5. Avoid using credit cards for transfers, as they often incur higher fees and less favorable exchange rates.
6. Look for special deals. Many money transfer services offer promotions for new customers or for specific types of transfers. Keep informed about these offers to save on transfer fees.
7. Consider specialized payment providers or currency exchange brokers that may offer more favorable terms for specific transfer needs.
8. Set up price notifications with your chosen provider to be alerted when rates are advantageous.
9. Monitor currency exchange rates. They fluctuate constantly, so consider transferring when the rates are most favorable.

Conclusion

This blog provides an overview of some of the most popular and effective international money transfer apps. However, the best choice will depend on individual priorities, such as speed, cost, or additional financial features. Many apps offer instant transfers when using cards or cash pickups, while international bank transfers generally take 1-2 business days to process. Some transactions may require 3-5 business days for completion.

Additionally, our services include assistance with a moving abroad checklist, student accommodation in abroad, and opening international bank accounts. Our experts are here to help you at every step of the way.

FAQs

1. Can I Use These Apps on Both Android and iOS Devices?

Yes, the best international money transfer app: Wise, Remitly, Revolut, OFX, and WorldRemit are available for both Android and iOS devices.

2. What Currencies Can I Send or Receive Using These Apps?

Here’s an overview of the currencies supported by Wise, Remitly, Revolut, OFX, and WorldRemit:

• Wise: Allows you to hold and exchange over 50 currencies and provides local bank details for 10 currencies, including AUD, USD, EUR, and GBP.
• Remitly: Primarily focuses on sending money and supports a wide range of currencies for sending, rather than receiving.
• Revolut:Supports a large number of currencies for both sending and receiving.
• OFX: Geared towards large international transfers with support for a variety of currencies.
• WorldRemit: Focuses on sending money, particularly to friends and family, offering multiple payout options and supporting many currencies.

3. Is There a Transfer Limit on How Much I Can Send?

Yes, there is generally a transfer limit on how much money you can send, although the exact amount can vary significantly depending on several factors.

4. Do I Need a Bank Account to Use a Money Transfer App?

While many transfer money abroad apps require a bank account for funding or receiving money, some allow you to use a debit or credit card instead. Apps like PayPal, Venmo, Western Union, and Cash App often allow linking debit or credit cards as payment methods, enabling users to send money without directly using their bank accounts.

5. Can I Send Money as an International Student?

Yes, international students can send money using Wise, Remitly, Revolut, OFX, and WorldRemit apps.