At A Glance
Thanks to a new generation of international money transfer apps, sending money abroad from the USA has never been easier. This comprehensive guide will explore the top 10 apps for sending money internationally from the USA.
The right app can save you time and money while ensuring your funds arrive quickly and securely. This is why comparing features, fees, speed, and unique advantages is crucial.
Why Use an App for International Transfers?
The days of standing in line at the bank or filling out paperwork for a wire transfer are over. Today’s money transfer apps offer:
- Lower fees and better exchange rates than traditional banks
- Fast transfers, sometimes within minutes
- Multiple delivery options (bank deposit, cash pickup, mobile wallet)
- Easy tracking and strong security
Choosing the right app depends on your destination country, transfer amount, speed requirements, and how your recipient wants to receive the funds. Let’s understand how the top 10 apps to send money internationally from the USA work.
Also Read: How to Use Mobile Wallets for International Transfers
1. Wise (formerly TransferWise)
Best for: Transparent fees and mid-market exchange rates
Wise is renowned for its transparent, upfront pricing and use of the real mid-market exchange rate, meaning you avoid hidden markups that many banks and competitors add. With Wise, you can send money to over 70 countries, and recipients can receive funds in their local bank account, often within 1-2 business days. Wise also offers a multi-currency account for holding and managing dozens of currencies, making it ideal for frequent travelers or expats.
Key Features
- Transparent fee structure (small fixed fee + percentage of amount)
- Real mid-market exchange rates
- Multi-currency account and debit card
- Fast transfers (minutes to 2 days)
- Regulated in the US and globally
Why choose Wise?
Wise is a top pick for small and large transfers if you want to maximize value and avoid hidden fees.
2. Western Union
Best for: Global reach and cash pickup
Western Union is a household name, with over 600,000 agent locations in more than 200 countries. Its app allows you to send money for cash pickup, bank deposit, or even mobile wallet delivery in many countries. Transfers can be completed in minutes, especially for cash pickup, and you can track your transfer in real time.
Key Features
- Send money to 200+ countries and territories
- Multiple payout options: cash, bank, mobile wallet
- Fast transfers, often within minutes
- Real-time tracking and notifications
- In-app payment with debit/credit card, bank transfer, or Apple Pay
Why choose Western Union?
If your recipient needs cash quickly or lives in an area with limited banking, Western Union is unmatched for accessibility and speed.
3. Remitly
Best for: Remittances and flexible delivery options
Remitly specializes in remittances, offering both “Express” (fast, higher fee) and “Economy” (slower, lower fee) transfer options. You can send to over 170 countries, with choices for bank deposit, cash pickup, mobile money, and even home delivery in select locations.
Key Features
- Express and Economy transfer options
- Delivery to bank, cash pickup, mobile wallet, or home
- Competitive exchange rates and low fees
- Real-time delivery tracking and guaranteed delivery time
- 24/7 customer support
Why choose Remitly?
Remitly is a top choice for sending money home if you want to balance speed and cost or need diverse delivery options.
4. OFX
Best for: Large transfers and business payments
OFX stands out for its zero transfer fees and competitive exchange rates, especially for larger amounts. It supports transfers to over 170 countries and offers 24/7 customer support. OFX is particularly popular with businesses and individuals sending larger sums, as its minimum transfer is typically $1,000.
Key Features
- No transfer fees (exchange rate markup applies)
- Great rates for large transfers
- 24/7 customer support
- Secure, regulated, and trusted globally
- Business solutions and currency risk management tools
Why choose OFX?
OFX offers significant savings over banks and many competitors for high-value transfers or business payments.
5. Xoom (a PayPal Service)
Best for: Speed and PayPal integration
Xoom, owned by PayPal, enables fast transfers to 130+ countries. You can fund transfers with your PayPal balance, bank account, debit, or credit card. Xoom also offers bill payment and mobile top-up services in select countries, making it a versatile tool for supporting family or friends abroad.
Key Features
- Fast transfers (often minutes)
- Multiple funding and delivery options
- PayPal integration for easy funding
- Bill payment and mobile top-up features
- High transfer limits (up to $50,000/day)
Why choose Xoom?
Xoom is a convenient and reliable option if you already use PayPal or need ultra-fast transfers.
6. PayPal
Best for: Peer-to-peer payments and business transactions
PayPal is one of the world’s most recognized payment platforms. While its fees for international transfers can be higher than those for specialized services, it’s a go-to for sending money to other PayPal users worldwide, especially for business, e-commerce, or digital services.
Key Features
- Instant transfers between PayPal accounts
- Global reach (200+ countries)
- Buyer and seller protection
- Multiple funding sources (bank, card, PayPal balance)
- Business invoicing and payment tools
Why choose PayPal?
PayPal is a trusted and widely accepted solution for peer-to-peer payments or global business transactions.
Also Read: How Does Sending Money with PayPal Compare to Bank Transfers?
7. Ria Money Transfer
Best for: Cash pickup and home delivery
Ria is a global leader in remittances, with a vast network of agent locations and payout partners. It supports transfers to over 190 countries and offers cash pickup, bank deposit, and even home delivery in some regions.
Key Features
- Extensive cash pickup network
- Home delivery in select countries
- Competitive fees and exchange rates
- Fast transfers (minutes to hours)
- In-app tracking and notifications
Why choose Ria?
Ria Money Transfer is a strong contender if your recipient prefers cash or lives in a country with limited banking.
8. WorldRemit
Best for: Digital-first transfers and mobile money
WorldRemit is a digital-first platform that supports transfers from the USA to 130+ countries. It offers a variety of payout options, including bank deposit, cash pickup, mobile money, and airtime top-up, making it ideal for sending to countries with strong mobile money ecosystems.
Key Features
- Multiple payout options: bank, cash, mobile wallet, airtime
- Transparent fees and real-time exchange rates
- Fast delivery (minutes to hours)
- Easy-to-use app and website
- Strong focus on security and compliance
Why choose WorldRemit?
WorldRemit is a top pick for digital convenience and diverse payout options, especially for Africa, Asia, and Latin America.
9. Revolut
Best for: Multi-currency accounts and travelers
Revolut is more than a money transfer app; it’s a global financial super app. With Revolut, you can hold, exchange, and send money in 30+ currencies at interbank rates. It’s ideal for frequent travelers, expats, or anyone managing money across borders.
Key Features
- Multi-currency account and debit card
- Real-time exchange rates and budgeting tools
- Instant transfers to other Revolut users
- Global ATM withdrawals
- Advanced security features
Why choose Revolut?
If you need a flexible, all-in-one financial app, Revolut is a powerful choice for managing and sending money internationally.
10. Xe Money Transfer
Best for: Competitive exchange rates and large transfers
Xe is famous for its currency tools and real-time exchange rates. Its money transfer service supports over 130 countries, offering low, transparent fees and high transfer limits. Xe is particularly popular for larger transfers and those who want to monitor rates before sending.
Key Features
- Real-time exchange rate tracking and alerts
- Low, transparent fees
- High transfer limits
- Personal and business accounts
- Same-day transfers to select destinations
Why choose Xe?
Xe Money Transfer is a top performer in the international money transfer market, offering the best rates and high-value transfers.
Comparison Table: Top 10 Apps to Send Money Internationally From the USA
| APP | BEST FOR | COUNTRIES SUPPORTED | DELIVERY OPTIONS | FEES & RATES | SPEED |
|---|---|---|---|---|---|
| Wise | Transparent pricing | 70+ | Bank deposit, Wise account | Low, mid-market rate | Minutes–2 days |
| Western Union | Cash pickup, global reach | 200+ | Cash, bank, mobile wallet | Varies | Minutes–hours |
| Remitly | Remittances, flexible delivery | 170+ | Bank, cash, mobile, home | Low, competitive | Minutes–days |
| OFX | Large transfers, business | 170+ | Bank deposit | No fee, good rates | 1–3 days |
| Xoom | Speed, PayPal integration | 130+ | Bank, cash, mobile, bill | Varies | Minutes–hours |
| PayPal | Peer-to-peer, business | 200+ | PayPal, bank, card | Higher for international transfers | Instant–days |
| Ria | Cash pickup, home delivery | 190+ | Cash, bank, home | Competitive | Minutes–hours |
| WorldRemit | Digital-first, mobile money | 130+ | Bank, cash, mobile, airtime | Transparent | Minutes–hours |
| Revolut | Multi-currency, travelers | 30+ | Revolut, bank, card | Low, interbank rate | Instant–days |
| Xe | Exchange rates, large transfers | 130+ | Bank deposit | Low, competitive | Same-day–days |
How to Choose the Right App for Your Needs
With so many strong options, how do you decide which app is best for your international transfer? Consider these key factors:
- Destination Country: Not all apps support every country or currency. Double-check coverage for your recipient’s location.
- Transfer Amount: Some apps (like OFX and Xe) are better for large transfers, while others excel at small remittances.
- Delivery Method: Does your recipient need cash, a bank deposit, or mobile wallet funds?
- Fees and Exchange Rates: Always compare the total cost, including upfront fees and exchange rate markups.
- Speed: If time is critical, choose apps like Xoom, Remitly (Express), or Western Union for rapid delivery.
- User Experience: Consider app ratings, customer service, and ease of use.
Also Read: How To Send Money Abroad In 5 Easy Steps
Conclusion
International money transfers are more accessible and affordable than ever today. Whether you prioritize low fees, fast delivery, global reach, or digital convenience, there’s an app tailored to your needs. Our list of the top 10 apps to send money internationally from the USA includes Wise, Western Union, Remitly, OFX, Xoom, PayPal, Ria Money Transfer, WorldRemit, Revolut, and Xe Money Transfer.
Before you send money, always compare your options, check for the latest offers, and read user reviews. With the right app, sending money internationally from the USA can be fast, secure, and cost-effective.
Remember, Beem is a reliable name in online money transfer options. If you found this post helpful, try Beem for more tips on personal finance, budgeting, and other money matters. Download the Beem app here.
