Key Takeaways
- You can send money with a debit card in three ways – online, in person, or with a prepaid card;
- The best apps to send money with a debit card include Ogvio, Wise, and MoneyGram, offering fast, affordable, and reliable transfers;
- When sending money online with debit card, always use trusted platforms and avoid sites that claim instant transfers without verification.
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Debit cards are everywhere. Most people already have one and don’t want the hassle of finding another way to move their funds. How to send money with debit card, though? Well, there are a few ways.
For example, you can use an ATM, but a more convenient option is online money transfer services. They usually are faster, cheaper, more transparent, and globally flexible. Neobank-like platforms, such as Ogvio, even tend to offer additional features, like crypto support, also serving as a gateway to Web3 beyond being a simple money transferring service.
When you have access to Web3, you can join reward-yielding events like BitDegree’s Season 8 Airdrop.
That said, it's time to find out how it all works, which apps are worth trying, and how to stay safe while you send money online with debit card.
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Table of Contents
- 1. The Most Convenient Way to Send Money With a Debit Card
- 2. How to Send Money With a Debit Card Using an Online Money Transfer Service
- 3. Best Apps to Send Money Online With a Debit Card
- 3.1. Ogvio
- 3.2. Wise
- 3.3. MoneyGram
- 3.4. Xoom
- 3.5. Revolut
- 3.6. Western Union
- 3.7. Remitly
- 4. Other Ways to Send Money With a Debit Card
- 4.1. ATMs
- 4.2. Bank Transfers via Mobile or Web Banking
- 4.3. Offline Debit Cards
- 4.4. Prepaid Debit Cards
- 5. Security Tips on Sending Money With a Debit Card
- 6. Conclusions
The Most Convenient Way to Send Money With a Debit Card
Let me start off on a good note: sending money with a debit card is simple. The money comes straight from your bank account and moves through your card network instead of traditional banking rails.
Latest Deal Active Right Now:That’s why if you send money to a bank account with a debit card, it’s often faster than a regular bank transfer. Card payments skip long clearing processes and move funds directly between accounts.
You can even use a debit card to send money to someone without a bank account. For example, you can use money apps or prepaid cards to fund transfers with your card. I’ll cover more on that later.
Just as you would use your debit card for any online purchase, you use it to send money, too. Typically, you have two main ways to do it:
- Send money to a bank account with a debit card. Ideal for direct deposits or international transfers.
- Send money to a debit card instantly. Perfect for quick peer-to-peer payments or same-day transfers.
But these days, fintech gives you even more ways to do it. You can also use online, offline, or prepaid debit cards, depending on what’s easiest or most accessible for you. I think that, generally, the most convenient one is to use online money transfer services.
When you send money online with a debit card using a money transfer service, it's basically a digital platform that handles the entire transfer process for you. Simple as that. You just link your card, enter the amount, and confirm the recipient.
Services like the soon-to-launch Ogvio, Wise, and Revolut can make this quick and convenient, allowing you to send money instantly. They offer low fees, transparent exchange rates, and fast delivery in many cases.
While some platforms allow direct transfers from your card, on others you might need to use your debit card to top up your account before sending money, which helps avoid delayed transfers or failed payments.
Debit card top-ups on money transfer services are generally faster (often processing within minutes), but they usually come with higher fees compared to slower, lower-cost bank transfers.
With online debit cards, you need to watch out for fake instant transfer sites that promise to send money to a debit card instantly. No verification is usually a red flag, so be careful! Always double-check the platform’s name, reviews, and encryption before entering your card details.
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How to Send Money With a Debit Card Using an Online Money Transfer Service
Some would argue that credit cards are more convenient, but using a debit card to send money can be just as easy. The key is choosing a reliable money transfer service, especially if you want to send money to a bank account with a debit card as fast and safely as possible. Along with convenience, money transfer services also help people reach out to friends and family in case of a money emergency.[2]
So, how to send money with a debit card using a money transfer service? The steps might differ a bit based on the platform you're using, but I’ll walk you through how it will work on Ogvio. It’s shaping up to be one of the simplest and most future-ready options.
Ogvio has not been launched yet, but you can join the waitlist to be notified once it is.
That’s all it takes. With Ogvio, sending money with a debit card will be fast, secure, and convenient. In most cases, the recipient will see the funds within minutes, which is exactly what most people want when sending money online.
Best Apps to Send Money Online With a Debit Card
When it comes to how to send money online with a debit card, you’re not short of choices. But only a few apps really nail it with their mix of lightning-fast transfers, low fees, and worldwide reach.
Ogvio
I've just shown you how to use Ogvio to send money with a debit card in the chapter before this, but you might wonder what is Ogvio, in the first place. Well, let's see.
Ogvio is a new generation, neobank-like money transfer service that focuses on speed, ease of use, and low costs. It aims to create a platform that's convenient to use for anyone, including expats, students, freelancers, and even crypto enthusiasts.
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Table: Ogvio at a glance
As you know, you’ll be able to top up your Ogvio account with a debit card, making it easy to deposit and send money. Ogvio even plans to release its own card in the future.
The platform is not yet launched, but it will handle both fiat and crypto transactions, so you’ll be able to move money and hold crypto freely.
The capability to support crypto comes from Ogvio’s blockchain-based design. Instead of relying on traditional banking systems, it will process transfers on-chain, and your funds will be stored safely in blockchain-based smart vaults. This should keep every transaction transparent and secure while cutting down the time it takes to deliver funds.
Pricing will be straightforward, which I appreciate. Creating an account will be free, account-to-account transfers will come at no cost, and there will be no paid plans. When you need to pay a fee (for top-up or withdrawals), it will always be shown upfront before you confirm the transaction.
So, you’ll basically be able to send money with debit card for free using Ogvio when transferring money to another Ogvio user (though account top-up with a card itself will have a fee).
📚 Read More: Ogvio Review
Wise
Wise has built a strong reputation for making international transfers fast and transparent. You can send money to a debit card instantly in many regions, with low fees and real exchange rates instead of inflated ones.
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Table: Wise at a glance
Plus, you can fund transfers straight from your debit card or your Wise account, which lets you hold and convert over forty currencies before sending.
When you send money with your debit card, Wise charges the amount directly from your Visa, Mastercard, or supported Maestro card. Then, the payment is processed through secure 3D authentication.
After that, Wise will convert at the real exchange rate and send it to your recipient’s card or bank account within minutes. Just note that Wise doesn’t accept American Express, and cards must be in your own name for security reasons.
The Wise debit card connects your online account to real-world spending. You can pay, withdraw, or shop in local currency directly from your Wise balance without hidden markups. It’s especially convenient for travelers and freelancers who deal with multiple currencies.
A digital Wise card is free to create, while ordering a physical card costs $9. If you’re topping up an external e-wallet, a 2% fee applies.
Fees are clear and predictable. Wise shows what you’ll pay before you confirm, with a small percentage-based fee for debit card payments.
The main limitation is coverage. Some countries and card types aren’t yet supported, and a few transfers still rely on local bank networks. Even so, Wise remains one of the most reliable and easy-to-use ways to send money online with a debit card.
📚 Related: Wise Alternatives
MoneyGram
MoneyGram is one of the oldest and most recognized names in money transfer services. It’s known for its wide reach, covering more than 200 countries and territories with agent locations spread across the globe.
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Table: MoneyGram at a glance
You can use it online or in person, making it convenient for both digital users and those who prefer cash transactions.
When it comes to sending money with a debit card, MoneyGram makes the process simple. You can pay for your transfer directly with your card through its website or app, or visit a nearby agent location to fund your transfer in person.
Debit cards are processed instantly, meaning whoever receives the money can often pick up cash or receive funds in their account within minutes.
MoneyGram’s flexibility is one of its biggest strengths. It supports transfers to bank accounts, mobile wallets, and cash pickup points. You can also track every transaction in real time through the app or website.
MoneyGram also offers MoneyGram Ramps, its crypto gateway that lets users convert cash into cryptocurrency or cash out their digital assets through select partners.
Pricing varies depending on the destination, payment method, and payout type. Paying with a debit card usually costs more than a bank transfer but delivers the fastest results. MoneyGram always shows fees and exchange rates upfront before you confirm your transfer.
As for limitations, availability and transfer speed can differ by country, and fees can add up for frequent users. Still, with its massive network and reliable delivery, MoneyGram remains one of the most accessible ways to solve how to send money with debit card.
📚 Read More: MoneyGram VS WorldRemit
Xoom
Xoom is a money app that is backed by PayPal, so it already has the trust factor built in. It keeps things simple for anyone who wants to send money online with a debit card.
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Table: Xoom at a glance
You can transfer funds to a bank account, mobile wallet, or cash pickup point. And in some countries, even send money to a debit card instantly.
Plus, you can pay using your debit card, PayPal balance, or a linked bank account. The setup is effortless, and transfers usually land fast. It’s great for quick family remittances or helping someone out when timing matters.
What I like about Xoom is how easy it is to follow. The app gives you real-time updates, estimated delivery times, and notifications when the money hits. It’s a familiar choice if you already use PayPal but want something built for global transfers.
Xoom also supports Debit Card Deposit, letting users send funds directly to eligible Visa debit cards through Visa Direct in select countries.
Pricing depends on how you fund the transfer. Debit card payments are pricier than bank transfers, but you’re paying for speed and convenience.
If you’re using PYUSD, PayPal’s own US dollar–backed stablecoin, Xoom removes the transfer fee altogether. It’s part of PayPal’s push to make digital payments cheaper and faster using blockchain, and it’s a nice perk if you already keep crypto in your PayPal account.
Not every country supports instant debit card deposits yet, and some transfers can still take longer depending on local systems. But overall, Xoom keeps things smooth and dependable, exactly what you want when sending money with a debit card.
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Revolut
Revolut is more like a smart money tool than a traditional bank. You get a sleek app, a prepaid debit card, and even a disposable virtual card that refreshes after every use, which is good for safer online shopping or one-time payments.
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Table: Revolut at a glance
It supports multiple currencies and gives you instant notifications for every transaction. When it comes to sending money with a debit card, you can top up your account on Revolut in seconds using your card, then send money to another Revolut user or a bank account right away.
Transfers between Revolut users are instant and free, which is great for splitting bills or sending quick payments abroad.
Pricing depends on your plan. The free tier covers most everyday transfers, while paid plans unlock perks like higher exchange limits, travel insurance, and faster international transfers.
The only catch is that not every feature is available in all regions. Instant card-to-card transfers or crypto access may vary depending on your location. Still, Revolut makes it easy to send money online with a debit card while giving you extra control and flexibility over how you spend.
Western Union
When it comes to sending money across borders, Western Union is still one of the first names people think of. It’s been around for over a century and has built a network that reaches nearly every corner of the world.
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Table: Western Union at a glance
If you prefer using a debit card, Western Union makes it simple. You can pay for your transfer online or in the app using your card, and the recipient can receive funds directly to their bank account or pick up cash in minutes. It’s ideal for anyone who wants the speed of digital payments with the option of in-person delivery.
Pricing depends on how you send and where the money is going. Paying with a debit card is faster but usually comes with a higher fee than using a bank account.
The main drawback is the variation in cost and speed. Fees can be higher for certain routes, and transfers may take longer depending on the country and payment method. Still, Western Union is more than enough to send money with a debit card.
Remitly
Remitly was made for one thing: helping people send money home quickly and safely. It’s available in over 170 countries and gives you two transfer options. First is Express for instant, card-funded payments, and second is Economy for slower, lower-cost bank transfers. The app is easy to use and shows exactly when your money will arrive.
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Table: Remitly at a glance
Using a debit card with Remitly makes the process even faster. You can fund transfers instantly from your card, and recipients can get the money directly into their bank account, mobile wallet, or even as cash pickup in minutes.
Remitly’s pricing depends on how fast you want your transfer to go. Express transfers funded by debit card cost a bit more, while Economy transfers are cheaper but take longer (around three to five business days).
Similar to other apps, Remitly's exchange rates are clear and always displayed upfront.
The main downside is that instant debit card transfers are not supported in all countries. Fees also vary depending on your card type and location.
Still, if you need a quick, reliable, and transparent way of how to send money online with a debit card, Remitly is a decent choice.
Other Ways to Send Money With a Debit Card
If you’re wondering how to send money with a debit card without using online money transfer services, there are a few other routes to explore. Some are faster, others more traditional, but all can get the job done depending on your needs.
ATMs
Many banks let you send money directly from an ATM using your debit card. You can deposit cash or transfer funds to another account right from the machine. Some ATMs even allow cardless transfers, where the recipient withdraws the money using a code instead of a card.
This option is quick and doesn’t always require a bank visit, but high fees may apply, especially for cross-bank or international transfers. It’s a convenient choice when you’re out and about and need to move money fast.
Bank Transfers via Mobile or Web Banking
Another easy way to send money with a debit card is through your bank’s mobile or online banking platform. Just log in to the bank that issued your card and use the transfer or send money option.
Transfers to the same bank are often instant, while those to other banks might take 1-3 business days. The upside is that these methods are secure and familiar, and most banks now include built-in tools to help you track every payment in real time.
Offline Debit Cards
Another way of solving how to send money with debit card is by using offline transfer services. These are the old school ways where you visit a branch to make a payment. Providers like MoneyGram and Western Union help you do just that.
While offline transfers are reliable, they’re rarely free. If you’re looking to send money with a debit card free of extra costs, online apps will usually be the better choice.
Offline methods also tend to take a bit longer since they rely on staff availability and manual confirmation, but they’re still a solid choice if you prefer handling things face-to-face.
Prepaid Debit Cards
You can also use prepaid debit cards as another way of how to send money with debit card. These cards aren’t linked to a bank account, so you load money onto them first, then use them to make payments or send money through compatible services.
Prepaid cards have successfully mimicked bank account features,[1] making them a popular alternative to traditional banking services. Plus, many prepaid cards run on major networks like Visa, so they’re accepted almost everywhere and work well for both online and in-store transactions.
This option is especially useful if you or your recipient doesn’t have a traditional bank account. You can send money with a debit card instantly through certain platforms that support prepaid top-ups or transfers between cards.
Just be cautious with sites that claim to send money with a debit card without a billing address or promise quick transfers with no checks. Similar to online debit cards, legitimate services will usually verify key details to keep your funds secure.
Security Tips on Sending Money With a Debit Card
Sending money with a debit card is quick and convenient, but convenience shouldn’t mean carelessness. Whether you’re paying a friend or sending funds abroad, knowing a few smart safety tips can make all the difference.
Here’s how to keep every transfer secure from start to finish.
- Use trusted apps. Stick with reputable names like Ogvio or Wise. These platforms use encryption, multi-factor authentication, and regulated payment systems to keep your money safe from fraud or interception.
- Avoid instant offers. If a site claims to send money to a debit card instantly with no verification, that’s usually a red flag. Real money apps always verify your identity to comply with regulations and prevent scams.
- Protect your card and personal details. Debit card fraud can cause major financial losses,[3] so never share your card number or security code without care. Pay attention to the security measures of the app you’re choosing.
- Double-check the transaction details. Always review the recipient’s name, card number, and currency before confirming a transfer. A single typo can delay or misdirect your payment.
- Monitor your bank statements. Keep an eye on your recent transactions to spot any unauthorized activity early. Most banking apps now send instant alerts for every card payment, so use them to stay in control.
When it comes down to it, you can send money with debit card instantly and still stay safe as long as you use trusted platforms and pay attention to the details. A few extra seconds of caution can save you a lot of trouble later.
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Conclusions
Learning how to send money with debit card is simple. It pulls funds straight from your bank account and uses existing card networks, skipping slow bank transfers and keeping things quick and familiar.
While there are several ways you can send money with a debit card, using an online money transfer service like Ogvio or Wise will usually be the most convenient option. Such platforms tend to offer the fastest, easiest, and most cost-efficient ways to transfer your funds. Just note that debit card top-ups will usually be more expensive than bank transfer top-ups on such platforms.
Ogvio is definitely a money transfer service to keep on your radar. Once it launches, you’ll be able to use your debit card to top it up and then make instant transfers with fiat or even crypto.
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Scientific References
1. Anong S., Routh A.: ‘Prepaid debit cards and banking intention’;
2. Kendall J., Standish M., Liu D., Naurath N.: 'Remittances, Payments, and Money Transfers: Behaviors of South Asians and Indonesians';
3. Ojo A., Oyeyemi D.: 'Enhancing the Detection of Debit Card Fraud Detection Using Logistic Regression and Random Forest Techniques'.
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