At A Glance
Sending money across borders isn’t just about speed or cost — security is paramount. Whether you’re supporting family, paying remote freelancers, or managing a global business, a single mistake or security lapse can mean lost funds, identity theft, or even regulatory trouble. With international cybercrime and scams rising, it’s crucial to understand which methods offer the best protection and how to use them wisely. Let’s explore the most secure ways to send money internationally.
What Makes an International Money Transfer Secure?
Not all transfer methods are created equal. Here’s what to look for when evaluating the security of any money transfer service:
Encryption and Data Protection
- End-to-end encryption: Services should use strong encryption (SSL/TLS, AES-256) to protect your data in transit and at rest.
- PCI-DSS compliance: This is the gold standard for handling financial information securely.
- Two-factor authentication (2FA): This adds an extra layer of security, making it much harder for hackers to access your account.
Regulatory Oversight
- Licensing: Choose providers regulated by authorities like FinCEN (US), FCA (UK), or RBI (India).
- Segregated funds: Top services keep customer funds in separate accounts, so your money isn’t at risk if the company runs into trouble.
- KYC/AML checks: Know Your Customer and Anti-Money Laundering rules help prevent fraud and ensure your money isn’t misused.
Fraud Monitoring and User Controls
- Real-time fraud detection: Leading platforms use AI and dedicated teams to spot suspicious activity.
- Transaction alerts: Get notified of every transaction for immediate oversight.
- Easy account recovery: Secure, transparent processes for recovering access if locked out.
Also Read: What Are the Cheapest Ways to Send Money Internationally?
Comparing the Most Secure International Money Transfer Services
Let’s explore and compare some of the most secure ways to send money internationally.
Wise
Wise (formerly TransferWise) is known for its transparency and robust security.
- Encryption: HTTPS, 2FA, and regular security audits.
- Regulation: Licensed in dozens of countries, including the US and UK.
- Anti-fraud team: Monitors transactions 24/7.
- User reviews: Consistently high ratings for reliability and safety.
- Customer support: Responsive help and clear dispute resolution.
OFX
OFX is a top choice for large transfers and business payments.
- No transfer fees: Low exchange rate margins.
- Global coverage: Licensed in over 170 countries.
- 24/7 support: Real people available anytime.
- Security: Multi-factor authentication, segregated funds, and compliance with global standards.
Remitly
Remitly stands out for its user-friendly app and diverse delivery options.
- Data encryption: Secure servers and two-factor authentication.
- Regulation: Licensed in the US and across the world.
- User experience: High ratings for reliability and customer support.
- Flexible delivery: Bank deposit, cash pickup, mobile wallet, and home delivery.
WorldRemit
WorldRemit offers a wide range of payout options and strong security.
- FCA-regulated: Meets strict UK and EU standards.
- KYC/AML: Robust checks to prevent fraud.
- Transparency: Clear fees and exchange rates.
- Mobile-first: Secure apps for iOS and Android.
Western Union & MoneyGram
These global giants are best for cash pickup and rural access.
- Encryption: Secure online platforms and in-person verification.
- Fraud prevention: Advanced monitoring and global compliance.
- Network: Thousands of agent locations worldwide.
- Drawbacks: Higher fees and exchange rate markups.
Xe Money Transfer
Xe is popular for high-limit, multi-currency transfers.
- Security: Multi-layered encryption and authentication.
- Regulation: Licensed in major markets.
- Real-time tracking: Monitor your transfer every step of the way.
Beem
Beem is a rising star for secure, instant transfers.
- PCI-DSS certified: Bank-level security for all transactions.
- End-to-end encryption: Protects your personal and financial data.
- User authentication: Strong verification and fraud controls.
How to Protect Yourself When Sending Money Abroad
Double-Check Recipient Details
- Always verify the recipient’s name, account number, and payout method.
- For mobile apps, confirm phone numbers or emails are correct.
- For large sums, send a small test transfer first.
Use Secure Networks
- Avoid public Wi-Fi when sending money — hackers can intercept your data.
- Use a private, password-protected network or a VPN for extra security.
Stick to Official Apps and Websites
- Only download apps from official app stores (Apple, Google Play).
- Access transfer services are available via their official websites. Avoid links in emails or messages.
Set Up Transaction Alerts
- Enable notifications for every transaction.
- Review your account regularly for unauthorized activity.
Keep Records
- Save confirmation emails, receipts, and transaction IDs.
- These are essential for resolving disputes or tracking transfers.
Secure Alternatives for Special Situations
Digital Gift Cards
Gift cards can be a secure, fast way to send small amounts internationally — especially to unbanked recipients.
Best practices:
- Buy only from official websites or certified sellers.
- Confirm the recipient can use the card in their country.
- Share codes securely (encrypted messaging, not public channels).
- Keep your purchase receipt.
Cryptocurrency
Crypto can be fast and private, but comes with risks:
- Use reputable wallets and exchanges.
- Double-check wallet addresses and blockchain networks.
- Send a small test amount first.
- Be aware of local regulations and volatility.
Money Orders and Prepaid Cards
Money orders are secure for those without bank accounts:
- Buy from trusted sources (post office, major retailers).
- Track with a receipt and confirmation number.
- Prepaid cards can be used internationally, but watch for fees and restrictions.
Spotting and Avoiding International Money Transfer Scams
- Phishing and fake websites: Only use official provider sites and apps.
- Urgent or suspicious requests: Verify the sender before acting.
- Requests for gift cards or crypto: Scammers often ask for these — be wary.
- Overpayment/refund scams: Never return money for an “accidental” overpayment.
- Check provider legitimacy: Look for licensing, user reviews, and regulatory approval.
If you suspect fraud, contact your provider immediately and report the incident to local authorities.
What to Do If Something Goes Wrong
- Contact customer support: Have your transaction ID, recipient details, and proof of payment ready.
- Dispute resolution: Top providers have transparent processes for lost or delayed transfers.
- Report fraud: Notify your provider, bank, and relevant regulatory bodies.
Also Read: The Best Services for Sending Money to Different Countries
Security Tips for Large or Recurring Transfers
- Split large transfers: Reduce risk by sending in smaller amounts.
- Monitor exchange rates: Lock in favorable rates when possible.
- Review providers regularly: Make sure your service meets your security and cost needs.
Comparing Security Features of Top Transfer Services
| SERVICE | ENCRYPTION & AUTHENTICATION | REGULATORY OVERSIGHT | FRAUD MONITORING | BEST FOR |
| Wise | HTTPS, 2FA | US, UK, EU | 24/7 team | Transparent, global transfers |
| OFX | Multi-factor, segregated | 170+ countries | 24/7 support | Large, business transfers |
| Remitly | Encryption, 2FA | US, global | Secure servers | Flexible, mobile-friendly |
| WorldRemit | FCA-regulated, KYC/AML | UK, EU, global | Robust checks | Mobile wallets, cash pickup |
| Western Union | Encryption, in-person | Global | Advanced | Cash pickup, rural access |
| Xe | Multi-layered, real-time | Major markets | Real-time | High-limit, multi-currency |
| Beem | PCI-DSS, end-to-end | US, global | Strong controls | Instant, digital transfers |
FAQs on The Most Secure Ways to Send Money Internationally
What’s the safest way to send a large amount of money internationally?
The most secure ways to send money internationally involve using a well-known, regulated provider like Wise, OFX, or Xe. These services use strong encryption, two-factor authentication, and segregated accounts to secure funds. Always double-check recipient details and keep records of your transaction.
Are online money transfer apps secure?
Yes, as long as you use reputable apps from official sources. Top services use bank-level encryption and two-factor authentication and are regulated by financial authorities. Always use secure networks and enable transaction alerts for added safety.
Can I reverse or recall a transfer if there’s a mistake?
Most international transfers — especially bank wires and crypto — are irreversible once processed. Contact your provider immediately if you spot a mistake; some services may be able to cancel a pending transfer, but this isn’t guaranteed.
Is it safe to use gift cards or crypto for international transfers?
Gift cards are secure for small, personal transfers if purchased from official sources and sent to trusted recipients. Crypto can be safe if you use reputable wallets and double-check all details, but it’s riskier due to volatility and irreversible transactions.
How do I know if a provider is regulated and secure?
Look for licensing information on the provider’s website, check user reviews, and verify compliance with local financial authorities (like FinCEN, FCA, or RBI) when looking for the most secure ways to send money internationally. Reputable providers are transparent about their security measures and regulatory status.
Secure Your International Transfers: Key Takeaways
Security isn’t optional when sending money internationally. You can ensure your funds and personal information stay safe by choosing regulated, encrypted, and well-reviewed providers, double-checking recipient details, and staying alert to scams. The most secure ways to send money internationally are ones that ensure peace of mind and let you rest assured that your money will reach its destination without any hassles.
For more tips and secure transfer guides, read Beem’s guide on sending money.
Any financial guidance goes a long way. Don’t forget to try Beem for more tips on improving your financial health, building credit, and discovering better alternatives. Download the Beem app here.
