TransferGo Alternatives

Costs play a big role^[1] in how competitive a payment platform is, and Ogvio plays to win here. This TransferGo alternative allows instant, fee-free user-to-user transfers within the platform – no long account numbers involved. In case you want to move money via bank or crypto transfers, you won't run into hidden fees or confusing FX markups.

I’m particularly impressed at how easy and automatic it is to peg your money to stable currencies. When you deposit funds in pretty much any supported currency, Ogvio instantly secures their value in USD/EUR, so you can avoid unpredictable local currency swings.

	OGVIO	TRANSFERGO
Overall Score	9.8	9.1
Transaction Fees	Free-to-Low	Up to 0.2%
Pricing Model	Per-transaction	Per-transaction
Value For Money
Verdict	A global money transfer service with an additional volatile currency rate pegging to USD or EUR.	A low-cost transfer app for European senders reaching 160+ countries.
	Visit site Read review	Visit site Read review

Table: Ogvio and TransferGo's features

Ogvio's setup is also helpful when you want to send funds to exchanges or crypto wallets. You can top-up USDC on the Base network with zero fees, or swap it with other supported assets on the platform, including BTC and ETH.

For freelancers getting paid in digital assets, you can receive your income using Ogvio, put portions of it into crypto on the platform, and keep the rest separate in your checking account by withdrawing it to your bank.

If your main priority is to look for a worldwide TransferGo alternative, international users can choose Ogvio. It supports customers across the UK, Germany, France, and over 160 countries globally. TransferGo, by comparison, operates in the UK, Germany, Italy, and 30 additional countries.

Key Features

Here are Ogvio features that make it one of the best alternatives to TransferGo:

• Unique @Tag username. It looks like a social media handle for sending money and works like sending a DM.
• Business features. While Ogvio focuses more on personal use, it also offers a business account with the possibility of creating custom solutions based on your needs.
• Multiple transfer & deposit methods. You can make a transfer using the aforementioned @Tag (instant and free), to a crypto address, or to a bank account. For deposits, Ogvio enables bank transfers, crypto transfers, and card transfers. The last option isn’t limited to debit and credit cards, as it covers Revolut Pay, Google Pay, and more.

• Payment links. If you need to settle an invoice with a client, generate a payment link in Ogvio and share it directly. They can pay you in just a few clicks without needing your bank details or long account numbers.
• Crypto integration. Besides buying crypto on the platform or receiving USDC from your crypto wallet, Ogvio can serve as a bridge for crypto users whose currencies aren’t available for direct bank withdrawals on any commonly used exchange.
• Several earning features. Ogvio goes beyond sending money. You can also grow your idle balance using Simple Earn or earn money by inviting active friends.

Although Ogvio has no app yet, the platform is fully web-based and works smoothly on both desktop and mobile browsers. You can even add a quick-access button to your smartphone's home screen, so it's just like using an app.

Both Remitly and TransferGo let recipients collect cash in person from partner locations, which is handy if your family members or friends don’t have a bank account. But how far that goes depends on where you’re sending. Not every country supports cash pickup with either service, so you have to check availability for your specific destination first.

Still, Remitly wins in terms of payment methods because it gives extra delivery options. In many corridors, you can send money straight to a mobile wallet, such as GCash in the Philippines or GoPay in Indonesia. It also offers home delivery in select places (like the Philippines, Dominican Republic, or Vietnam) where a courier literally brings cash to your loved one’s doorstep.

	TRANSFERGO	REMITLY
Funding Methods	Bank transfer Card	Card Bank Apple Pay
Delivery Methods	Bank deposit ATM Cash pickup	Bank deposit Cash pickup Mobile wallet Home delivery ATM
Supported Networks	Fiat-only	Fiat-only
Transaction Speed	| | | | | Long Average Very Quick	| | | | | Long Average Very Quick
Bulk Payments
Scheduled Payments
	Visit site Read review	Visit site Read review

Table: Remitly and TransferGo's asset movement

Remitly has also rolled out Remitly Business, which is a big deal if you’re running a hustle or managing a team abroad. You can pay international contractors, handle payroll for remote squads, or send global vendor payments in minutes.

However, you need to be aware of the fees and exchange rate markups on Remitly. They may sting a little compared to the mid-market rates on TransferGo.

Key Features

Remitly can be among the reliable alternatives to TransferGo because of these reasons:

• More sending countries. Instead of the Europe-focused market like TransferGo, Remitly covers a wider user base. For example, senders from Japan, Singapore, and New Zealand can also transfer money with Remitly.
• More licenses. Remitly provides services in more countries and has received more licenses than TransferGo, including state-specific compliance in the US, FCA, and FINTRAC.
• Remitly One. The program integrates sending, storing, and earning in one place. You will even get perks like up to $250 to send now and pay later with Remitly Flex. However, it hasn't been released yet.

• Satisfaction guarantee. Remitly offers a 100% Satisfaction Guarantee, meaning if your transfer doesn't arrive on time, you get your money back (specifically, the transfer fees), ensuring timely delivery or a refund of fees.
• 24/7 multilingual support. Remitly’s customer support team can help you in 18 languages. Depending on the language you choose, you can get phone and chat support.

If TransferGo feels a bit basic or Euro-only, Remitly is like its global-first cousin: deeper features, more ways to send and get paid, and tools that go beyond just “sending money”.

Let’s start with the similarities. Both Wise and TransferGo tick the basics: they offer cards, have clean and user-friendly apps, work on both iOS and Android, and support business features. So if these are must-haves for you, you won’t lose them by choosing Wise.

Pricing-wise, both platforms use a per-transaction model. Wise charges variable fees depending on the transfer, while TransferGo’s fees go up to around 0.2% per transaction.

	WISE	TRANSFERGO
Deposit Fees	Bank - free Card - varies SWIFT - varies	Bank - free Card - varies
Withdrawal Fees	ATM - 2 free/mo < $200; then 1.75% Bank - varies	ATM - 1% Bank - varies
Other Fees	Using stocks - 0.6%/yr Using Wise Interest - 0.26%/yr	Conversion fee - from 0.5%
Card Maintenance Fees	Free	Free
Fee Transparency
Markup
	Visit site Read review	Visit site Read review

Table: Wise and TransferGo's pricing

Now for the differences, and this is where things start to split. The biggest one is country coverage. TransferGo mainly focuses on European markets, while Wise supports senders in 80+ countries, including Australia, Brazil, and the UAE.

Talking about the exchange rate, this TransferGo money-transfer alternative keeps things transparent. It uses the real mid-market rate and shows you the fee before you hit send.

TransferGo often promotes low or even “fee-free” transfers, but the cost is usually hidden in the FX markup instead. That’s why Wise can look slightly pricier upfront but often ends up cheaper overall, especially for larger transfers.

Key Features

Here are the tools and functionality Wise brings to the table:

• More currencies. Wise supports way more currencies: USD, CAD, EUR, and 40+ others. TransferGo falls slightly short with its 30+ currencies, and there are more geographical challenges if you're sending from outside of Europe.
• 24/7 customer support. You can reach out to Wise’s customer support team all year round via email, phone, or chat. Support is offered in English plus 8 other languages (as of writing), which is a big plus if you’re dealing with issues at odd hours.
• Helpful business features. Among TransferGo business alternatives, Wise can be your answer because it lets you pay invoices, suppliers, and teams instantly, get paid in 40+ currencies, and receive volume discounts if you move over £20,000 (or equivalent) per month.

• Regulated worldwide. The platform has 65+ licenses across different regions, including from the Australian Securities and Investments Commission (ASIC) and the Financial Crimes Enforcement Network (FinCEN).
• Various payment methods. Wise is far more flexible because you can top up via ACH, wire, card, SEPA, Faster Payments, SWIFT, iDEAL, and Trustly. Meanwhile, TransferGo keeps it simpler, supporting bank transfers and cards only.

When you zoom out, Wise technically gives you more room to move. You’re not boxed into the European area; you can get help any time of day and deposit however you want. It’s built for people and businesses who send or receive money across borders often.

In case you’re looking for a money transfer service that focuses on European users, just like TransferGo, Paysend is your answer. It’s even included on the 1000 Europe’s Fastest Growing Companies in 2023 and 2024. The main reasons include its rapid revenue growth, driven by a customer-focused approach and strategic partnerships (like Mastercard's Open Payments Network).

The platform is regulated by the UK’s Financial Conduct Authority (FCA), certified by Visa, Mastercard, and China UnionPay, and meets PCI DSS standards for data protection.

	TRANSFERGO	PAYSEND
KYC	Name, surname, ID, proof of address	Name, surname, ID, proof of address, bills
Fraud/AML Prevention	KYC Source-of-funds checks Monitoring & screening Sanctions screening	KYC Sanctions/PEP screening Transaction monitoring
Account Protection	2FA Safeguarding of funds Transfer screening Anti-fraud team	2FA Passcode Biometric login Card freeze PCI DSS
	Visit site Read review	See TOP10 Brands Read review

Table: TransferGo and Paysend's security features

The main difference is that this TransferGo alternative lets you send money with a flat fee of €1.5, regardless of the transfer amount. The said setup will be particularly beneficial for people who send large amounts of money, so they don’t get hit by higher percentage-based charges.

Transfers to 170+ countries are supported from around 45+ regions at the moment, including the US, Australia, Canada, most of Europe, and parts of Asia and South America. However, I’d still suggest you double-check whether your country is covered directly on the Paysend website before signing up.

Key Features

Besides the flat fee and security certifications, here are the reasons why Paysend can be your TransferGo alternative for personal use:

• Tiered limits. Paysend splits users into 3 different tiers: Basic, Advance, and Ultimate, depending on their identity verification. Each tier comes with its own daily, monthly, and biannual spending limits. The limits start from $999/daily for Basic and $10,000/daily for Ultimate.
• Cash pickup. Paysend offers cash pickup services in many countries (like the Philippines, Mexico, Vietnam). Depending on the country, the locations can include banks, 7-Eleven, and Walmart.

• Quick transfers. In many cases, money can arrive almost instantly, which is good for last-minute or time-sensitive payments.
• 24/7 customer support. Reaching out to Paysend is simple, as you can email the team or click the chat button while reading any Help Center article.
• Business solution. Paysend Enterprise lets businesses send money instantly to cards, bank accounts, and digital wallets through a single API integration. You can add new global payout options to your own product, automatically disburse funds to users around the world, and pay international teams or freelancers in local formats.

All things considered, Paysend makes a lot of sense if you like TransferGo’s Europe-first focus but want more predictable fees and wider availability.

Users who like TransferGo Business's features but need more tools can find Finom to be a better alternative to TransferGo. It’s a full B2B financial platform for freelancers, entrepreneurs, and small-to-medium companies, letting them manage money, invoices, cards, and even accounting from one dashboard.

Unlike most banks, Finom operates under an Electronic Money Institution (EMI) license, which means it’s authorized to issue electronic money and provide payment services across the EU.

That license also means that Finom can offer local IBANs in markets like Germany, France, Italy, Spain, and the Netherlands, so businesses can still operate locally while making international transactions.

	TRANSFERGO	FINOM
Supported Countries	UK Germany Italy +30 more	France Germany Spain +147 more
Supported Languages	EN DE FR +9 more	EN DE FR +4 more
Supported Fiat Currencies	EUR GBP DKK +7 more	EUR USD CAD +14 more
Supported Cryptocurrencies	Fiat-only	Fiat-only
	Visit site Read review	See TOP10 Brands Read review

Table: Finom and TransferGo's coverage

Compared to the business plan on TransferGo, Finom is definitely more complete than the said cross-border payment tool. However, the business features on Finom come at a cost.

Yes, the company does offer a free plan, but it’s pretty bare-bones. You can’t schedule payments, run bulk transfers, or unlock most of the automation features that make the platform powerful in the first place.

Key Features

Finom should be among your TransferGo business alternatives due to these reasons:

• All-in-one business account. You can open a business account online with a local IBAN and access SEPA and international payments without paper forms or branch visits.
• Cards that work for teams. Depending on your pricing plan, it's possible to issue unlimited virtual cards and up to three physical debit cards per user, with up to 3% cashback on purchases, which can be ideal for tracking team or project expenses.
• Expense and team management. Users can set spending limits, control team access, and track expenses in real time, so they'll always know where the money goes and who’s in charge of certain transactions.

• International transfers. Besides being a finance tool, you can send, receive, and exchange funds in more than 15 currencies and over 150 countries with transparent, low fees, which are often much cheaper than on traditional banks.
• E-invoicing and accounting tools. Finom lets you create, send, and automate invoice reconciliation, as well as sync with top accounting apps to reduce manual work and speed up payments.

In short, if your business is mainly about keeping FX costs low, TransferGo Business is still a strong option. But if you want a platform that blends payments with banking tools and expense automation, Finom’s approach will give you more value.

Xoom is powered by PayPal, meaning you’re tapping into PayPal’s security systems, fraud protection, and global compliance setup. Also, those who already have a PayPal account can use Xoom to send money without starting from scratch.

Straight up, pricing and fees work a bit differently. This TransferGo money-transfer alternative still has per-transaction fees, but the total cost changes a lot depending on how you pay and where you’re sending. For example, if you fund the transfer with your PayPal balance or a linked bank account, fees can be way lower.

However, change the method to a credit card, and the costs go up. But don't worry; you should see all fees before you hit send.

	TRANSFERGO	XOOM
Deposit Fees	Bank - free Card - varies	N/A
Withdrawal Fees	ATM - 1% Bank - varies	N/A
Other Fees	Conversion fee - from 0.5%	Conversion fee - varies
Card Maintenance Fees	Free	No card
Fee Transparency
Markup
	Visit site Read review	Visit site

Table: TransferGo and Xoom's pricing structure

Transfers usually show up quickly (minutes). However, because Xoom adds a markup on the exchange rate and fees vary a lot, it can feel pricier if you’re not careful about how you set the payment method up.

As for coverage, you can send money with Xoom to over 160 countries, covering most of Latin America, Europe, Asia, Africa, and more. That said, the user base is limited to senders from the EEA, the US, the UK, Canada, and Australia at the time of writing.

Key Features

These are some of the reasons that make Xoom worth trying out:

• Reload phones. If your cousin’s phone is about to run out of credit, you can handle it straight from the app. It’s basically like topping up their phone remotely without asking them to deal with scratch cards or local vendors
• Pay bills. Xoom can cover water, internet, electricity, phone, cable bills, and more in select countries (mostly in Latin America and Central America). You just enter the needed account details, and the payment gets sent.

• Built-in PayPal features. If you already use PayPal, sending money with Xoom is basically an instant setup.
• Unique payment method. Xoom offers a range of options: bank deposits, cash pickup, mobile wallet top-ups, and a unique regional method. For example, you can send to a UPI ID in India and even enable doorstep delivery in some places.
• Real-time tracking. You can watch your money “move” and get notifications when it lands.

In case you’re already into the PayPal world and want various ways to get money to someone (bank, cash, or phone wallet), Xoom is a good TransferGo alternative for personal use. It’s flexible and fast, but you have to check the fees and exchange rate markup each time, since they can add up.