Safest Ways to Send Money

Ogvio is a soon-to-be-launched app built to make sending money less stressful and expensive. You’ll be able to send cash, hold USD/EUR to keep your money safe from inflation, or even trade some of your favorite crypto tokens in one place – no more juggling different apps when managing funds.

Better yet, transfers aim to land in seconds across 160+ countries and 40+ currencies. You also don’t need to know bank details to transfer money, as you just send money straight to someone’s @username. This way, you can reduce the risk of mistyping complex bank details.

With all the features, will Ogvio be the safest way to send money? I think so. Every Ogvio wallet is designed to be locked down with 256-bit AES encryption, biometrics, and on-chain vaults, so basically, only you can touch your funds.

Key Features

When searching for the safest money-transfer app, Ogvio might catch your attention due to these reasons:

• The 256-bit AES encryption. This is one of the most efficient encryption standards^[1] used in the financial industry. It scrambles your data in such a way that even if someone intercepted it, it would be nearly impossible to crack the code.
• On-chain vaults. Your money’s not sitting in some random bank system. That means no middlemen messing around, just a clear, tamper-proof system where you’re in control.
• Biometric options. Fingerprint or face ID makes sure it’s really you accessing your wallet. Even if someone guessed your password, they’d still be locked out without your face or finger.

• Fast onboarding. In some regions, Ogvio uses light KYC checks, so you don’t need to upload personal documents or sit through endless ID checks. That means you can keep more of your personal info to yourself while still getting verified enough to transfer money securely.
• Easy usernames. Send money to someone’s @username instead of typing out long bank details. It’s quicker, feels familiar (like sending a DM), and lowers the risk of costly typos.

These features show that Ogvio is aiming to keep things lightweight yet reliable. It will be suitable for anyone who wants fast, affordable, and stress-free money and crypto management.

What's the safest way to send money? PayPal may be the first answer that comes to your mind because it’s still one of the OGs. Launched back in 1998, this platform is now used in more than 200 countries and trusted by over 434 million users.

Most people may know it for online shopping, but PayPal is also handy for quick peer-to-peer transfers, from splitting dinner bills to paying a freelancer abroad. To send money with PayPal, you only need to enter the recipient’s email address or mobile number.

PayPal is PCI-compliant, which means it follows strict security rules to protect your financial data. It’s also licensed and registered globally to run as a legit payment services provider. For example, PayPal has a Major Payment Institution license in Singapore and even a banking license in Luxembourg for its European operations.

Key Feature

Besides its 400+ million users and long history, PayPal can be your most secure way to send money due to these features:

• Early fraud alerts. Once you link a card, PayPal keeps an eye on it 24/7. If something looks off, the transaction gets blocked, and you’ll get an instant alert.
• Passkeys. You can log in with your face, fingerprint, or device PIN instead of a password. This passkey system is phishing-resistant and easier to use than remembering passwords.

• Purchase protection. If your order never arrives or shows up totally different than described, PayPal may refund you. This covers eligible purchases like clothing, electronics, and household items.
• Suspicious email report. If you wonder whether an email claiming to be from PayPal is legit, forward it to a dedicated email support and delete it, and their team will investigate.
• Bug bounty program. PayPal rewards researchers who report vulnerabilities through its HackerOne program to help strengthen the platform’s security.

PayPal helps make everyday payments more convenient, safe, and regulated. If you shop online often, like splitting bills with friends, or want easy access to deals while keeping transactions secure, PayPal can be a good option.

With 60+ million users, Revolut has built its reputation as a reliable money-transfer app. It was built in 2015 and has helped people send money quickly, organize their salaries, and grow their savings – all in one place.

Are all of these features covered with strong security? According to Revolut, yes. The platform uses machine learning models to spot and block suspicious activity before it reaches your account.

In 2024 alone, we estimate that Revolut customers were protected from more than £632 million in potentially fraudulent transactions.

Still, Revolut hasn’t been immune to security incidents. In 2022, hackers exploited a software flaw in Revolut’s US payment system. The fraudsters then withdrew the “refunded” amounts via ATMs, extracting more than $20 million (though the loss came from Revolut’s corporate funds, not customer accounts).

Around the same time, Revolut also experienced a data breach affecting over 50,000 customers. Names, addresses, email addresses, phone numbers, and parts of payment card data were exposed, though Revolut claims that full card details, PINs, or passwords were not accessed.

In response, Revolut took action to limit the damage and reassure users. The team isolated the attack, notified affected customers, and emphasized that no funds had been stolen. After that, it also stepped up fraud detection, in-app alerts, and security education for users.

Key Features

Here are what makes Revolut one of the most secure options to send money:

• Strong fraud detection. Behind the scenes, an always-on monitoring system works with a dedicated 24/7 financial crime team to enable the safest way to send money online. If something unusual happens, you’ll get an instant fraud or scam alert.
• Security hub. In the app, you can tweak over 10 settings to lock down your account the way you like, including activating biometrics and managing logged-in devices.

• Geolocation checks. Payments are verified by matching your phone’s location with the card terminal. If they don’t line up, the transaction can be blocked.
• Disposable cards. Virtual “self-destruct” cards refresh their details after each use, so your info can’t be stolen or reused.
• Fund protection. UK customers, specifically, have their funds protected through e-money safeguarding via the Financial Services Compensation Scheme (FSCS) for up to £85,000.

Yes, Revolut has faced security incidents in the past, but the company has responded responsibly and improved its systems based on those experiences. This makes it a strong choice for digitally savvy users who want secure, all-in-one multicurrency support.

Founded in 2011, Wise (formerly TransferWise) has become one of the most trusted names in international money transfers. One of Wise’s strengths is its multi-currency account, which lets you hold 40+ currencies and “get paid like a local”.

On the security side, Wise keeps customer funds safe by partnering with established financial institutions in nearly every country where it operates. For example, in the US, all customer funds are safeguarded with banks like JPMorgan Chase, while in Malaysia, Wise is fully regulated by the Central Bank of Malaysia.

Interestingly, Wise even develops its safety features according to a country’s regulations. For example, in Singapore, all buttons and links in emails are shown as plain text to protect you from phishing attempts.

Also, when you make sensitive changes, such as increasing transaction limits or updating your contact details, Wise requires extra authentication to confirm it’s really you. You’ll also receive alerts if any high-risk activity occurs on your account, so you can act immediately if it wasn’t you.

Key Feature

Wise packs in features that make it the most secure way to send money:

• Money safeguarding. Wise is regulated to protect your funds by keeping them separate from company money and holding them in cash or secure liquid assets. Unlike banks, Wise doesn’t lend out your deposits, as safeguarding ensures your money is always available when you need it.
• Two-step verification options. To set up 2FA, you can use passkeys, receive a notification in the Wise app, enter a code via an authenticator app, or receive a code by text or call.

• Auto log-out. Wise automatically logs out your account after 5 minutes of inactivity to improve security.
• Log Out Everywhere. If you suspect your account is compromised, you can use the "Log out everywhere" option in your security settings to instantly log out from all devices.
• Adjustable card controls. From the app, you can decide exactly how your Wise card can be used, from blocking online or overseas payments to disabling contactless or cash withdrawals. This way, you stay in full control and can instantly lock down risky transaction types with just a few taps.

Wise combines regulatory safeguarding with practical security features like two-step verification, auto log-out, and adjustable card controls. Its approach to keeping customer funds separate and always accessible makes it a trustworthy option for international transfers and multicurrency management.

Available and regulated in 170+ countries, Remitly is especially useful in places where banks aren’t always accessible. If you need to send money to family in rural areas or to loved ones abroad who don’t use banks, Remitly makes it easy for them to pick up cash quickly from thousands of partner locations worldwide.

It works with trusted delivery providers for pickup points or bank account deposits. For example, in India, Remitly partners with major financial institutions such as Axis Bank, HDFC Bank, State Bank of India (SBI), and Bank of Baroda, along with UPI networks. These partnerships ensure your money arrives safely.

Remitly’s Chief Information Security Officer, Alex Maestretti, summed it up well:

Remitly was founded with the vision of becoming the best global bank for immigrants. In order to build that, from an early stage, we had a ton of focus on security and compliance.

Besides the reliable partners, what can make Remitly the safest way to send money? Remitly uses strong encryption and strict access controls to protect your account. They also have advanced tools to detect unusual activity, along with strict identity verification to prevent fraud.

Key Feature

Remitly is committed to security and reliability, which is reflected in these features:

• On-time delivery guarantee. If your transfer doesn’t arrive on schedule, Remitly refunds your fees. Refund issued for the applicable transfer fee.
• Advanced encryption. Remitly’s website and mobile apps use TLS along with strong encryption standards like AES-256 and 2048-bit RSA to secure your data.
• Transparent transfer tracking. Easily check the status of your transfer in the app or on the website, view your full history, and get instant notifications by email, text, or push alert whenever there’s an update.

• Strict and personalized account verification. You need to upload documents on Remitly’s app or website to verify your account, but if you want to make it more personal or add extra details, you’ll get a unique link to the Resolution Center instead of sharing sensitive details by email.
• Automatic account lock. Multiple failed payment attempts will trigger an automatic lock to protect your account from unauthorized access.

With these features, Remitly complies with the standard measures to keep your money and information secure. It’s a trustworthy option, especially for families in rural areas where receiving funds quickly and reliably can make a big difference.

If you want a digital wallet that does more than just "send money", Volet hits different. It’s built to let you manage money, crypto, cards, and even business payouts all in one place.

On the security side, Volet layers in serious protections to keep your money safe. It’s PCI DSS certified, meaning it follows the strict global standard^[2] for handling credit and debit card data.

Plus, Volet complies with Strong Customer Authentication (SCA), an EU rule that requires two-factor checks on many online payments. In practice, this means confirming needs at least two of three: a password or PIN, your phone or token, or your fingerprint to make sure only you can complete the transaction.

Moreover, you can enable 2FA and five other customizable settings in your Security Settings. So, while Volet builds strong protection by default, it still gives you full control over how tightly you want to lock down your wallet.

Key Features

Here are the safety features worth noting if you use Volet:

• Strong data protection. Volet treats all data as highly sensitive, storing it only on physical servers secured with Hardware Security Modules (HSMs). It also partners with trusted providers like Hetzner and Serverius datacenters, plus Imperva for attack protection.
• IP address binding. Limit access to your account by locking it to up to 5 specific IP addresses or IP ranges, keeping unwanted logins out.

• Smart login checks. Each time you sign in, the system runs intelligent ID checks, like IP address and location. If something looks unusual, you’ll get an email asking to confirm your login.
• Payment password. Add an extra confirmation step for money transfers and withdrawals. If you enable this feature, no funds leave your wallet without your unique payment password.
• Code card. Turn on Code Card to generate a set of reusable codes for transaction approvals. Once activated, you can get it instantly for quick and secure access.

Behind the scenes, Volet has built a strong security infrastructure to keep your funds safe by default, while also giving you customizable tools for extra protection. That’s why I’d say it’s especially suitable for anyone, especially fiat and crypto holders, who value safety and control over their wallet.

Skrill, originally launched in the UK as Moneybookers, first built its reputation in the online gambling sector. After a two-year rebranding process, the platform officially adopted the name Skrill in 2013. Today, it allows users to move money globally in 40 different currencies.

This money-transfer app is owned by Paysafe, a multinational online payments company headquartered in the UK. Historically, Paysafe has been around since 1996, and its shares are traded on the New York Stock Exchange (NYSE).

From a regulatory standpoint, Skrill is considered secure and trustworthy. It’s incorporated in the UK and supervised by the Financial Conduct Authority (FCA), one of the most respected regulators in the financial world.

Although some people still link Skrill to its early gambling roots, it’s important to remember that online gambling is legal and well-regulated in the UK. Over the years, Skrill has expanded far beyond that industry, positioning itself as the safest way to send money.

Key Features

If you’re considering Skrill, here are some of its “green flags” when it comes to security:

• SSL certification by VeriSign. Skrill uses Secure Socket Layer (SSL) technology with 128-bit encryption, certified by VeriSign. To skip the jargon: your data travels in a secure, locked tunnel that it’s hard for outsiders to peek into.
• Anti-fraud monitoring. Skrill’s systems track unusual account activity and automatically block anything suspicious before it becomes a problem.
• 2FA. You can enable two-factor authentication on both the Skrill app and website. Inside the app, you also have the option to use your biometrics (fingerprint) as a quick and secure way to log in.

• Built-in 3D Secure authentication. When you pay online with Skrill’s prepaid Visa or Mastercard, there’s an extra verification step for added safety. Even if someone managed to get your card details, they wouldn’t be able to finish the payment without your approval.
• Gaming partnerships. Skrill is integrated with hundreds of online gaming and betting platforms. Transactions are processed within Skrill’s secure network, so you don’t have to share sensitive card or bank details directly with gaming sites.

Skrill combines standardized financial safeguards with modern tools that fit everyday use, from shopping perks to gaming integrations. That way, you can move your money with more peace of mind, knowing your account is protected on all sides.

Freelancers and small business owners often need more than just a basic money transfer app. They require features that make it easy to pay vendors, send salaries to team members, or invoice clients in different parts of the world. For these purposes, Payoneer can be your safest way to send money, as well as receive it.

Founded in 2005, Payoneer has grown into a globally trusted platform and is publicly listed on Nasdaq under the ticker PAYO. Its track record includes partnerships with major brands like Airbnb and Walmart, letting its credibility speak for itself.

On the security side, Payoneer ensures compliance wherever it operates. It’s registered as a Money Service Business in the US, is licensed as a Money Transmitter in all required states. Payoneer also holds an e-money license in the EU, is registered as a Funds Transfer Service Provider in Japan, and is a licensed MSO in Hong Kong.

It also holds PCI DSS Level 1 certification, showing it complies with common data security standards and implying that any personal and credit card data is safely stored and secured.

Key Features

Check out why Payoneer can be your safest way to send money online:

• Two-step verification. Payoneer adds an extra layer of protection to your account with two-step verification. Anytime you log in or make sensitive changes, you’ll need to confirm your identity with a code sent to your phone via SMS or call.
• Real-time alerts. You'll get email notifications any time you update your account details. If we detect unusual activity, Payoneer will email you with transaction specifics and an option to contact the support team 24/7 if you don't recognize the action.

• Global sanctions screening. Every new payee is automatically screened against major global sanctions lists, including OFAC SDN, PEP, HMT, RES 1988, AQ, and CFSP. This helps block fraudulent registrations before they even start.
• Account takeover prevention. Payoneer uses multiple defenses, like web application firewalls, bot-detection tools, duplicate site monitoring, and proactive account scans, to keep hackers from hijacking user accounts.
• Strict AML compliance. Payoneer follows rigorous Anti-Money Laundering (AML) procedures in line with FATF-GAFI, EU, and US standards. It also applies KYC and Customer Identification Program (CIP) rules depending on payment type and region.

As it's primarily for businesses and professional transactions, it's no wonder that Payoneer takes security so seriously. This way, you can be assured your business funds and data are protected.