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For more than 5 million Egyptians living and working abroad, sending money back home is simply part of everyday life. But finding the best way to send money to Egypt isn’t always easy. With so many options out there, if you’re not careful, you can easily end up with unfair rates or fees that leave your family receiving much less than they should.
Well, don’t you worry. I’m here to help you avoid that trap by sharing some of the best money transfers to Egypt that make your remittances experience simple from start to finish. You’ll also find methods that fit your situation: standard bank transfers, the good ol’ cash pickup, or modern DM-style delivery.
So, before you choose the first app that pops up on your screen, here’s a list of the services I’ll be walking you through:
- Ogvio - Best for Instant Delivery to Egypt
- Wise - Best for Fair EGP Rates
- Western Union - Best for Cash Pickup Across Egypt
- Remitly - Best for Budget-Friendly Transfers to Egypt
- MoneyGram - Best for Flexible Payout Options in Egypt
Let’s explore each one of them in greater detail!
1. Ogvio - Best for Instant Delivery to Egypt
Ranks #1 out of 5 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
If you’re working abroad and looking for the best money transfer to Egypt, Ogvio is the first name I’d encourage you to check out. This next-generation online transfer platform offers seamless, broad coverage across 160+ countries and more than 40 currencies.
Aside from being accessible, I’ve got to give Ogvio credit for how flexible it is. First, you can send funds via bank deposit to pretty much any major Egyptian bank (Banque Misr, Banque du Caire, NBE, CIB – you name it). If you want more variety, it also supports crypto wallet transfers and a @Tag feature that lets you send money just like you’re messaging someone on social media.
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Table: Ogvio asset movement
With Ogvio, any money you deposit into your account is automatically converted into USD or EUR. This helps protect your funds from sharp value swings that the Egyptian pound can sometimes experience. And when the time is right, you can easily convert your balance to EGP for withdrawal to a local bank.
This might get you thinking, “Okay, I can leave my money here for a while, but is it safe to do that?”
I’d say yes. Ogvio is built on a non-custodial wallet setup, so you stay in full control over your assets.[1] That means no middleman that can freeze balances, block access, or expose your funds to platform-level risks like hacks or insolvency.
"What about the fees and rates?"
From what I’ve seen, Ogvio’s pricing is among the most competitive in the market. For starters, topping up your account via bank transfer comes with no platform fees. The app also relies on local payment rails, which means transferring money to an Egyptian bank account usually costs less.
On top of that, account-to-account and crypto transfers come with zero fees.
Key Features
Other than the core perks, here are a few extra ones I’ve noticed:
- No hidden charges. Ogvio shows you exactly what you’re paying before you confirm a transfer, so there are no surprise fees creeping in after the fact.
- No subscription required. There are no subscription fees, premium tiers, or usage-based plans forcing you to upgrade to access its core features.
- Earning opportunities. Ogvio’s referral program rewards you with a bonus cash for every three successful referrals, plus a zero-fee transfer for both you and your friend.
- Built-in token swaps. You can swap and manage supported assets like BTC, ETH, LINK, and other supported cryptocurrencies within the platform.
- Easy to use. The interface is clean and intuitive, making it accessible even if you’re not tech-savvy.
Ogvio may not be as established as some of the long-standing names on the list, but I think it’s worth a look. Its flexibility, transparency, and modern approach make it among the best ways to send money to Egypt today.
2. Wise - Best for Fair EGP Rates
Ranks #2 out of 5 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Among the names I’ve included, Wise is probably the most talked-about option and often shows up in “best apps to send money to Egypt” listicles. Backed by over ten years in the market, this multi-currency platform supports transfers for more than 15 million users across 170+ countries.
What makes it such a hit? I’d say a big part of it comes down to its promise of transparency and low charges. Wise claims that the average transfer fee is 0.53%, and they’ve managed to keep costs low by cutting out the middlemen and benefiting from the volume of users already on the platform.
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Table: Wise pricing
Wise also uses the mid-market exchange rate, which is the same rate banks use when trading with each other. This helps keep total costs lower since there’s little to no hidden FX markup added on top.
Wise fees can still vary by route and currency, so make sure to review the total cost before confirming.
Key Features
You’ll probably see Wise appear often when looking up how to send money to Egypt, and the reasons go beyond the features I've mentioned above:
- Fast delivery. Wise claims that around 70% of transfers arrive in under 20 seconds, especially for popular corridors and supported currencies.
- Large transfer discount. Sending more than US$25,000 (~E£1,177,000) can unlock reduced fees for the remainder of the month.
- Earn interest on balances. You can earn interest on your USD balance with FDIC protection through partner banks.
- Multi-currency card. Wise offers a debit card that allows you to spend your balance online and in physical stores.
One thing to keep in mind: Wise doesn’t support cash pickup. This can be a downside if your recipient prefers cash, which is still common in Egypt.
That said, I’d say Wise’s strong focus on digital transfers makes it one of the best ways to send money to Egypt if both sides are comfortable handling everything online.
3. Western Union - Best for Cash Pickup Across Egypt
Ranks #3 out of 5 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Western Union, or WU, has been around forever in the remittances space. Founded all the way back in 1851, the multinational financial company now operates in over 200 countries and regions, and is often seen as one of the best ways to send money to Egypt.
Aside from its wide reach, I also like WU’s flexibility. You can transfer money to an Egyptian bank account via the app, or walk to the closest agent and have the recipient collect cash in person back in Egypt.
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Table: Western Union asset movement
Just make sure you have the correct recipient details before sending. This includes their full name (as per their ID), branch name, account number, and full address. Entering incorrect info can lead to delays or even rejection.
Key Features
Here are a few more reasons why WUl earns a spot among the best apps to send money to Egypt:
- Wide cash pickup locations. WU operates in over 200 countries and territories, with more than 500,000 physical agent locations worldwide.
- Real-time tracking. Each transfer comes with a unique tracking number (MTCN), allowing you and your recipient to follow the transfer status in real time.
- Secure transfer. It employs advanced encryption and multiple fraud prevention measures to help protect your money and personal information.
- Exchange rate alerts. If you like to time your transfer, WU has built-in exchange rate alerts that notify you when the rate hits your target.
Also note that the money transfer limit to Egypt with an unverified account is up to US$3,000 (~E£142,000). Once verified, your limit can increase to as much as US$50,000 (~E£2,370,300).
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Remitly - Best for Budget-Friendly Transfers to Egypt
Ranks #4 out of 5 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Remitly can be a good option to consider if you’re mainly looking for the cheapest way to send money to Egypt. First-time users can get a promotional rate on initial transfers (usually up to US$1,000), which is a pretty nice bonus to test the waters.
Another noteworthy perk is the delivery time guarantee. If your transfer doesn’t arrive by the promised time, Remitly refunds the transfer fee. This should add some peace of mind, especially for time-sensitive payments.
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Table: Remitly pricing
When it comes to delivery options, Remitly gives your recipient plenty of choices. You can send money via bank deposit, debit card deposit, mobile money, or cash pickup through local partners such as Banque du Caire or United Bank of Egypt.
Key Features
Beyond its affordability, Remitly also comes with a few extra features worth mentioning:
- Referral program. You can share your Remitly referral link with friends and earn discounts on future transfers for both you and your invitees.
- Remitly One. A membership program that unlocks various extra perks, including instant money access, annual rewards, and cashback on certain features.
- Secure transfer. Remitly uses multi-layer security measures and continuous monitoring to help keep your money and data protected.
- Easy-to-use app. The mobile app is clean and simple to navigate, making it easy to send money even for first-timers.
So between the promotional rate and the referral rewards, Remitly might be your answer to how to send money to Egypt for free. But don’t expect it to last forever.
5. MoneyGram - Best for Flexible Payout Options in Egypt
Ranks #5 out of 5 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
You’ll almost always see MoneyGram mentioned when looking for the best app to send money to Egypt. And that’s no surprise, considering it’s a long-standing name many international workers rely on for easy transfers back home.
One of its main selling points is how flexible it is for recipients. You can send money straight to a mobile wallet or directly into a bank account. And if you prefer something in person, the recipient can pick up cash at a nearby partner location, such as Attijariwafa Bank.
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Table. MoneyGram asset movement
It’s also worth noting that MoneyGram applies money transfer limits to Egypt to comply with financial regulations. In many cases, the transfer cap is US$5,000 per transaction (~E£237,000).
That said, the exact limit can vary based on things like how you pay, where you’re sending from, and how the recipient gets the money.
Key Features
Here are a few other noteworthy features of MoneyGram:
- Global coverage. MoneyGram operates in over 200 countries and territories, supported by more than 470,000 agent locations around the world.
- Multiple payment options. You can fund your transfer using a bank account, debit card, credit card, or cash at a nearby agent location.
- Quick onboarding. Creating an account and getting started usually takes just a few minutes, pretty handy if you need to send money ASAP.
- Fast transfer. Depending on the corridor and method, transfers to Egypt can be completed relatively fast, some even near-instant.
The app is simple and built with everyday users in mind, which makes it one of the easiest ways to send money to Egypt.
How to Send Money to Egypt From the UAE
After checking out some of the best ways to send money to Egypt, you might feel tempted to take matters into your own hands. So let’s get practical and walk through the process.
Before learning the steps, though, there are things worth keeping in mind if you’re transferring from the Emirates. Even though this corridor is common due to the large Egyptian expat community, there are still some details you should pay attention to:
- Check for IBAN. For bank transfers to Egypt, you should always ask for the recipient’s accurate 29-character IBAN along with their bank details. Otherwise, expect delays or rejection.
- Expect costs in the 1%–4% range. Based on World Bank corridor data, online transfers from the UAE to Egypt cost around 1% to 4% for mid-sized transfers. Anything well above this range can be considered “expensive”.
- Be prepared for verification checks. Expect identity checks when sending money from the UAE. Due to AML and CFT requirements, providers may request documents to verify your identity or the reason for the transfer, especially if the amount is large.
Thinking about these key points shows just how important it is to pick the right tools for the job. After all, you don’t want your transfer back home weighed down by high fees, delays, and unnecessary complexity.
That’s why, in this guide, I’ll show you how to send money to Egypt using Ogvio. It’s transparent, fast, and easy to use, even if you’ve never made an international payment before.
You can simply follow these steps:
After signing up, you’ll receive a verification code in your inbox. Make sure to enter it to activate your account.
![Best way to send money to Egypt: click the [Add Money] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-egypt-ogvio-add-money.jpg "Best way to send money to Egypt: click the [Add Money] option.")
Most of the time, bank transfers are the most reliable option for depositing money. That said, you can always go with whatever works best for your situation.
You can use Ogvio without verifying your identity, but you’ll need to complete it to unlock all of its features, including bank-related transactions.
One thing to note is that your funds will be converted to USD or EUR. Ogvio does this to protect your money from inflation by moving it into the world’s more stable currencies.[2]
Make sure to check the details, such as the payment method, estimated transfer time, and exchange rate you’ll get. Once everything looks good, click [Confirm].
![Best way to send money to Egypt: select [Send Money] from the dashboard.](https://assets.bitdegree.org/images/best-way-to-send-money-to-egypt-send-money-ogvio.jpg "Best way to send money to Egypt: select [Send Money] from the dashboard.")
For this guide, I chose [Send To Ogvio User] to show you that using a DM-style delivery can be one of the easiest ways to send money to Egypt.
And that’s basically it! Ogvio’s @Tag feature makes sending money much easier since you don’t have to enter bank account information or wallet addresses.
How to Send Money to Egypt From the UK
As you might expect from the section’s title, we’re going to look at how to send money to Egypt from UK. Just like in the previous section, we’ll be using Ogvio again for the transfer (with a bit of a tweak). Before we get into that, though, here are a few things worth noticing:
- Be mindful of FX swings. Even though volatility has eased in recent years, the EGP can still move sharply during periods of economic or political uncertainty. So, I’d suggest sending money in smaller, more frequent amounts to reduce the risk of bad timing.
- Cash is still widely used. Egypt has long been a cash-first economy, and cash pickup remains a common way to receive money. That said, digital-based transfers have expanded in recent years and are increasingly used.
- Mobile wallet limits apply. If you’re sending money via mobile wallets like We Pay or Easy Cash, remember there are CBE limits in place. Individual transfers are capped at E£30,000 per day and E£100,000 per month.
Now, a small adjustment I mentioned earlier is that we’re going to use the bank delivery method for this transaction. This is the better choice if you’d rather transfer money to Egypt bank account without your recipient needing to pick up cash or install a mobile wallet.
Bank transfers are usually fast, and in many cases instant, because Ogvio uses local payment rails to complete the transaction.
Here’s how to do it:
![Best way to send money to Egypt: select [Bank Transfer].](https://assets.bitdegree.org/images/best-way-to-send-money-to-egypt-ogvio-bank-transfer.jpg "Best way to send money to Egypt: select [Bank Transfer].")
And that’s how to send money to Egypt from the UK! As long as you enter the recipient’s details correctly, like their full name and IBAN, the process should be smooth.
How to Send Money From the USA to Egypt
Now, let’s explore a more modern method on how to send money from USA to Egypt using digital assets. But before jumping in, there are a few things you might want to know about this corridor:
- ACH timing varies. If your transfer is funded via ACH, NACHA notes that payments can be processed the same day, within hours, or scheduled for the next one to two business days, depending on timing and setup.
- Cost gaps can be significant. World Bank data highlights how much remittance costs can differ by provider and transfer method. Fees and rate markups can range between 1.9%–10%, so it’s worth paying close attention if you’re aiming for the cheapest way to send money to Egypt.
- Compliance checks can slow things down. US-facing providers must screen names and transactions to meet AML and sanctions requirements. Transfers can be flagged for review if recipient details are unclear or inconsistent, often due to spelling or transliteration differences.
I get that when I mention “digital assets”, or even more so “cryptocurrencies”, some people might feel a bit hesitant. But in reality, crypto cross-border transfers are a pretty common practice these days,[3] and they’re often quicker, cheaper, and less clunky than older methods.
And Ogvio makes the process much easier for everyday users. You don’t need to manually convert assets like you would on an exchange. Simply send the money, choose the currency and bank account, and the platform takes care of the rest for you.
As of writing, Ogvio supports USDC on Base for sending money to, from, and within the platform.
With that in mind, here’s how to send money from the USA to Egypt using crypto:
![Best way to send money to Egypt: select [Crypto Transfer].](https://assets.bitdegree.org/images/best-way-to-send-money-to-egypt-crypto-transfer.jpg "Best way to send money to Egypt: select [Crypto Transfer].")
Just make sure the address is correct. Sending to the wrong one can mean your money is gone forever. Once you’ve confirmed everything is accurate, click [Continue] to proceed.
And done! Ogvio allows crypto transfers without KYC, making it a practical choice for unbanked users.
Cheapest Way to Send Money to Egypt
It’s completely natural to look for the cheapest way to send money to Egypt. After all, you want to make sure people back home get as much of it as possible. In that case, I’d suggest starting with these three names:
- Ogvio. You don’t pay any fees for account-to-account or crypto transfer with Ogvio. Plus, its bank transfer fees are among the most competitive on the market.
- Wise. It’s well-known for using the mid-market rate for its transfers. As a result, the markup is usually low, making it a cost-effective option for cross-currency transactions.
- Remitly. New users can receive promotional FX rates along with zero transfer fees. The platform also occasionally offers promo codes that can noticeably lower transfer costs.
Here’s a quick comparison table to skim through:
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| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | A trusted digital remittance service with upfront fees and great rates, but limited options for cash delivery. | A beginner-friendly cross-border remittance solution. | |
| Visit site Read review | Visit site Read review | Visit site Read review |
Table: Ogvio, Wise, and Remitly fee comparison
Each option has its own perks and may work better for specific users or corridors. That said, if you want more than just the “cheapest” option and are looking for the best way to send money to Egypt overall, Ogvio gets my vote.
📚 Check Out: Cheapest Way to Send Money Internationally
Conclusions
So, which one would you pick as the best way to send money to Egypt? No need to rush your answer, though! I know it can still feel overwhelming, even after trimming the list down to just a few names.
Wise gives you mid-market rates for fair exchanges, Western Union is known for its global reach, and Remitly offers guaranteed delivery. My advice is to start by checking your send-from country, the amount, and how the recipient wants the money. From there, narrowing it down gets a lot easier.
Or simply choose Ogvio for a no-brainer option. It’s quick, flexible, and affordable, plus there’s a referral program that can help to offset the costs even more!
Scientific References
1. Barbereau T., Bodó B.: ‘Beyond Financial Regulation of Crypto-Asset Wallet Software: In Search of Secondary Liability’;
2. Tronzano M.: ‘Safe-Haven Currencies as Defensive Assets in Global Stocks Portfolios: A Reassessment of the Empirical Evidence (1999–2022)’;
3. Ante L.: ‘From Adoption to Continuance Stablecoins in Cross-Border Remittances and the Role of Digital and Financial Literacy’.
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