Best International Money Transfer Services

Ogvio is one of the best international money transfer services for fast, simple, and low-to-no-cost remittances. With support for 160+ countries, you can easily send funds in seconds to your friends and family locally and around the world.

It allows both internal user-to-user transfers and direct money transfers to bank accounts in 40+ fiat currencies. To ensure bank transfers are quick and cost-effective, Ogvio uses local payment rails, such as Raast Instant in Pakistan, Faster Payments in the UK, or Pix Instant in Brazil.

Traditional fiat transfers are only one side of the coin, though, as Ogvio also allows USDC on Base transfers that are instant and free.

Table: Ogvio at a glance

It’s evident that Ogvio is one of the best international money transfer services for low fees.

Besides, it simplifies the whole money transfer process with Ogvio @Tags. You can send money as easily as sending a message, without long account numbers, IBANs, or routing codes. Plus, payment requests help speed up the process of receiving money.

Key Aspects

Now, let’s take a closer look at the features Ogvio brings to the table:

• Costs. Transfers to other Ogvio users and crypto transfers are free. Bank transfers do have fees, but they are competitive and always shown upfront with a fair and transparent exchange rate.
• Speed & Delivery. Your funds are transferred in seconds between Ogvio users, with bank transfers usually arriving quickly as well. That means there will be no "payment under review" messages and sitting around waiting days for clearance.

• Security. With Ogvio, your funds are stored on-chain in secure smart contract vaults, protected from hidden access or interference. Also, Ogvio uses advanced 256-bit AES encryption and is built on a non-custodial design, meaning you're the only one in control of your funds.
• Customer Support. Ogvio has a chatbot and email support ([email protected]) if you face any issues that the chatbot cannot resolve.

Having all that in mind, Ogvio is the best international money transfer service for those seeking speed, simplicity, and, most importantly, low costs. It's made for everyone: people working abroad, freelancers, travelers, students, and even crypto users.

Wise (formerly known as TransferWise) is a global money platform built around a multi-currency account and low-cost bank-to-bank transfers (so your recipient must have a bank account to receive money). Its big promise is pricing that’s shown upfront and an exchange rate set at, or very close to, the mid-market rate.

Table: Wise at a glance

Wise is a good choice for those looking for low-cost, transparent bank transfers and a multi-currency account for everyday international money management.

Key Aspects

Here's a more extensive look at Wise:

• Costs. Wise shows the transfer fee upfront and uses the mid-market rate, which means there’s no exchange rate markup that many providers add. Its transfer fee depends on the assets in question, the amount, and the payment method.

• Speed & Delivery. Arrival time on Wise depends on how you fund and where you send. Card funding is often near-instant to Wise, while manual bank transfers (especially via SWIFT) can take a few days. Wise shows an ETA before you confirm and updates it as funds land.

• Security. Wise operates as a regulated EMI in multiple regions (it’s FCA-authorised in the UK; Wise Europe SA supervised by the National Bank of Belgium; regulated across US states). When it comes to security measures, it offers 2FA, biometrics, data encryption, and a 24/7 anti-fraud team.
• Customer Support. If you face any difficulties, you can either check the Help Center, where you might find answers to the most common questions, or contact Wise’s customer support via phone 24/7.

Wise might be one of the best international money transfer services for you if you seek transparent, low-cost bank transfers and a multi-currency account for holding, receiving, and spending globally. It’s especially useful for regular international payments, travel spending, and freelancers getting paid in foreign currencies.

Western Union is one of the best international money transfer services that lets you send money to people almost anywhere in the world. You can pay online or at a local agent, and your recipient can get the money as cash, in a bank account, or in a mobile wallet.

Table: Western Union at a glance

So, as you can see, Western Union is one of the best for cash pickup. With its extensive global reach and long history in money movement, it’s a trusted choice for many.

Key Aspects

Here’s how Western Union works:

• Costs. You’ll see a fee and an exchange rate markup before you pay. The total price depends on where you’re sending, how you fund, and how your recipient gets the money (cash pickup can cost more than a bank deposit). This is pretty much standard for most similar services, but Western Union’s costs often land on the higher end.
• Speed & Delivery. Cash pickup with Western Union can be ready in minutes. Bank deposits, on the other hand, can be made the same day or a few days later, depending on local banking hours and the processing of checks. You get a tracking number (MTCN) to follow the transfer.

• Security. Western Union is a long-running brand that operates under local licenses in the countries where it offers services. It verifies your identity and uses encryption to protect your details. Plus, at pickup, agents check ID to help prevent fraud.
• Customer Support. You can get help in the app/website, by phone or chat (varies by country) or even in person at agent locations.

What distinguishes Western Union from other international money transfer services is that it has one of the biggest cash-pickup networks in the world. That means your recipient can go to a nearby agent location (like a shop, bank, or post office), show ID and the tracking number, and get the money in cash, often within minutes.

Krak is Kraken’s new global money app built for instant payments across borders. You can hold, send, and convert between fiat, stablecoins, and crypto in one place. It rides on the idea of instant P2P transfers and no hidden transfer fees, with spreads shown upfront before you confirm.

Table: Krak at a glance

So, Krak is one of the best apps for international money transfers in both fiat and crypto. If you live across borders, pay friends or contractors abroad, or juggle fiat and crypto, Krak’s "everything in one place" approach might be a decent option for you.

Key Aspects

Here’s a more in-depth look at Krak:

• Costs. Most transfers to other Krak users are free. When you convert currencies, on the other hand, there are exchange fees but no hidden ones, as Krak shows spreads upfront. Of course, funding via card or bank can still carry provider/banking costs, depending on the region.
• Speed & Delivery. User-to-user transfers are near-instant. Account funding transfers or withdrawals depend on the method (ACH/SEPA/Faster Payments/SWIFT) and local cut-off times.

• Security. Kraken, the company behind Krak, is especially known for its strong security measures, which means that its global money app is no different. Your money is backed by transparent Proof of Reserves, advanced encryption, and Krak also employs secure user authentication practices.
• Customer Support. If anything goes sideways, Krak offers a Help Center and 24/7 in-app support.

So, Krak is all about simplifying your money transfers. With personal Kraktags (@yourname), you don’t need to use long numbers or routing codes. Plus, you can even turn your transfers into daily crypto rewards with the KrakBacks reward program. Each day you make your first money transfer, you can get a small reward in various cryptocurrencies (DOGE, BTC, etc.).

Xoom is PayPal’s remittance app for quick, convenient cross-border payments. You can send money, pay bills, and reload phones with pricing shown before you pay. Its pitch for being one of the best international money transfer app is speed, plus a variety of delivery options.

Table: Xoom at a glance

I’d say Xoom is best for fast personal remittances when you’re looking for cash pickup or mobile wallet funds quickly. Also, it’s especially useful if you already use PayPal and want a familiar sign-in and funding experience.

Key Aspects

Here’s a more in-depth glance at Xoom:

• Costs. Xoom shows the fee and the exchange rate before you pay. The price changes by country, route, amount, and how you fund. Cards usually cost more than bank transfers. It’s generally known to have low upfront fees, but the exchange rate markup can get pretty high.
• Speed & Delivery. Most Xoom transfers arrive in minutes, especially to cash pickup or mobile wallets. Bank deposits, though, can take from a few hours up to a couple of days, depending on local banking hours and rails.

• Security. Xoom runs on PayPal’s security, which includes identity checks, encryption, 24/7 anti-fraud monitoring, and options like 2FA. Using your PayPal account helps keep everything in one trusted place.
• Customer Support. You can use Xoom’s Help Center for self-service or contact it via a ticket, phone or mail. Just note that live support working hours differ based on the country in question. Additionally, Xoom offers customer support in multiple languages, including Spanish, French, Arabic, and Chinese.

You might want to try Xoom if you want a fast and familiar way to send money abroad, especially when your recipient needs cash pickup, a mobile wallet top-up, bill pay, or even home delivery on select routes. Funding with PayPal is convenient, and you’ll see fees and the rate before you pay.

Remitly is one of the best ways to transfer money abroad because it’s a remittance app built for fast, reliable person-to-person transfers with wide delivery option coverage. You can usually choose between speed (Express) or price (Economy), and see the fee/rate and ETA before you pay.

Table: Remitly at a glance

I’d say Remitly is best for personal remittances where speed or cash pickup access matters, especially common routes across Asia, Africa, and Latin America.

Key Aspects

Now, if we were to take a closer look at its offerings:

• Costs. When you make a transfer on Remitly, you have to pay a service fee and an exchange rate markup, both of which vary by route, amount, transfer method, delivery type, etc. Obviously, if you go with the Express option, the cost will be higher, while the Economy route will be cheaper. The platform also often offers some discounts, like the first transfer with a zero service fee.
• Speed & Delivery. Remitly offers two "speeds": Express, which usually arrives in minutes or a few hours, and Economy, which can take up to 5 business days. Either way, you see delivery estimates and, on some routes, an on-time guarantee with a fee refund if a transfer arrives late.

• Security. Remitly is a licensed money transmitter in the US, FCA-authorised in the UK, and regulated across the EEA via Remitly Europe Limited in Ireland. It uses identity checks (KYC), encryption, and fraud monitoring to keep transfers secure.
• Customer Support. Remitly provides customer support in 17 languages via both chat and phone. You can contact it 24/7.

A few of the standout features of Remitly are the availability of home delivery in some countries and the choice between Express & Economy. So, it’s one of the best international money transfer apps for fast personal remittances, where speed or more flexible money delivery is a priority. If you choose speed, however, it might not be the best international money transfer for low fees.

MoneyGram is a US-based money transfer company. It lets you send money within the country or abroad to bank accounts, mobile wallets, or for cash pickup at agent locations worldwide. You can send online via the website or app, or in person at an agent. It also offers bill payments and money orders.

Table: MoneyGram at a glance

MoneyGram is one of the best apps for international money transfers, allowing you to quickly send cash to someone almost anywhere, thanks to its extensive pickup network. It’s also useful when you want flexibility (cash, bank, or wallet) on the receiving side.

Key Aspects

Now, let’s look a bit deeper:

• Costs. Just like with most best international money transfer services, MoneyGram’s fees depend on the country pair, amount, how you pay, and how your recipient gets the money (you can use MoneyGram's estimator to check the costs beforehand). That said, it does apply an exchange rate markup.
• Speed & Delivery. Card-funded transfers to cash pickup are often the quickest, ready in minutes. Bank and wallet deliveries depend on local rails and partner hours. One way or another, everything is fully trackable in the MoneyGram app.

• Security. MoneyGram runs under standard money-transfer regulations with ID checks (KYC/AML), encrypted connections, and agent ID verification at pickup to help prevent fraud. Also, it’s licensed and regulated in the regions where it operates, including the EEA, the UK, and the US.
• Customer Support. You can use MoneyGram’s Help Center, fill out a ticket or call for immediate assistance in some countries and regions.

MoneyGram’s biggest strength is its cash-to-digital bridge. You can walk into a local agent with cash and send it to a bank account or mobile wallet abroad, or do the reverse (send online and the recipient picks up cash nearby). That makes it useful when someone doesn’t have a bank account or needs money in hands fast.