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Independent reviews of 35+ international money transfer providers. Compare ratings, fees, speed, and coverage.
We independently review every money transfer provider listed on this page. Each review covers exchange rate transparency, fee structures, transfer speed, supported corridors, regulatory status, and real customer ratings from Trustpilot. Our goal is to help you find the right provider for your specific needs — whether you send money regularly or just once.
Providers are ranked by their overall Trustpilot rating, which reflects real customer experiences. We also compare their live exchange rates against the mid-market rate to show the true cost of each service. Some providers offer the best rates on specific corridors, while others excel at speed, cash pickup availability, or coverage in emerging markets.
Wise (formerly TransferWise) offers transparent, low-cost international money transfers using the real mid-market exchange rate with no hidden markups.
Countries
80+
Speed
Instant to 2 days
Fees
Variable fee from 0.41%
Founded
2011

Remitly specializes in personal international money transfers with a focus on remittances to developing countries, offering competitive rates and fast delivery.
Countries
100+
Speed
Minutes to 3-5 days
Fees
From $0 to $3.99 per transfer
Founded
2011
Revolut is a digital banking app offering international money transfers at interbank rates during market hours, along with a full suite of financial services.
Countries
150+
Speed
Instant to 3 days
Fees
Free up to £1,000/month, then 0.5%
Founded
2015

TapTap Send is a mobile-first money transfer app offering zero-fee transfers to select developing countries with competitive exchange rates.
Countries
30+
Speed
Minutes to 1 business day
Fees
$0 (no fees)
Founded
2018

TransferGo specializes in fast, low-cost transfers between Europe and key global corridors. Popular with expats and migrant workers.
Countries
70+
Speed
30 minutes to 3 days
Fees
£0.99 - £2.99 per transfer
Founded
2012
XE is a trusted name in currency exchange, offering international money transfers with competitive rates and no transfer fees for most corridors.
Countries
130+
Speed
1-4 business days
Fees
No transfer fees
Founded
1993
ACE Money Transfer specializes in remittances to South Asia and Africa, offering competitive rates, low fees, and fast delivery with a strong focus on the Pakistan corridor.
Countries
100+
Speed
Minutes to 2 business days
Fees
From $0 to $4.99 depending on corridor
Founded
2002

Paysend offers international transfers with flat fees and competitive exchange rates. Known for card-to-card transfers in 180+ countries.
Countries
180+
Speed
Minutes to 2 days
Fees
Flat $2 fee on most corridors
Founded
2017
WorldRemit is a digital-first remittance service offering fast, affordable international money transfers to 130+ countries with multiple delivery options.
Countries
130+
Speed
Minutes to 3 days
Fees
From $0.99 to $3.99
Founded
2010

Sendwave (owned by WorldRemit) specializes in fast, low-cost transfers to Africa and South Asia via mobile money. No fees — revenue comes from exchange rate margin.
Countries
15+
Speed
Instant to minutes
Fees
$0 fee — revenue from exchange rate margin
Founded
2014
InstaReM (now Nium) offers competitive international money transfers across Asia-Pacific and global corridors with transparent pricing and fast delivery.
Countries
60+
Speed
1-3 business days
Fees
From $0 to flat fee per corridor
Founded
2014

Ria Money Transfer is one of the largest money transfer companies in the world, offering transfers to 190+ countries via bank deposit, cash pickup, and mobile wallets.
Countries
190+
Speed
Minutes to 2 days
Fees
$0-$8 depending on corridor and payment method
Founded
1987

Profee offers international money transfers with competitive rates, particularly strong on European and CIS country corridors.
Countries
100+
Speed
Minutes to 2 days
Fees
From $0 depending on corridor
Founded
2017
Xoom, a PayPal service, offers fast international money transfers with options for bank deposit, cash pickup, and mobile reload in 130+ countries.
Countries
130+
Speed
Minutes to 3 days
Fees
From $0 to $4.99
Founded
2001

Panda Remit specializes in transfers to China and other Asian markets. Competitive rates on CNY corridors with fast delivery via WeChat Pay and Alipay.
Countries
30+
Speed
Minutes to 1 day
Fees
$0 - $5 depending on corridor
Founded
2017

Monese is a mobile banking app offering international money transfers alongside a current account, debit card, and multi-currency wallet — popular with expats and migrants in Europe.
Countries
30+
Speed
1-3 business days
Fees
From £0 to £2 per transfer
Founded
2015
Western Union is one of the world's oldest and largest money transfer companies, with an extensive agent network for cash pickups in 200+ countries.
Countries
200+
Speed
Minutes to 5 days
Fees
From $0 to $10+ depending on method
Founded
1851

Skrill is a digital payments platform owned by Paysafe, offering international money transfers alongside e-wallet services and online payments.
Countries
200+
Speed
Instant to 3 business days
Fees
From 0.5% to 3.99%
Founded
2001

Mukuru is a leading remittance provider for Southern and East Africa. Offers cash pickup, mobile money, and grocery voucher delivery options.
Countries
15+
Speed
Minutes to 1 day
Fees
Varies by corridor and delivery method
Founded
2004

KOHO is a Canadian fintech offering a spending account with international money transfers powered by Wise. Competitive FX rates for Canadian users.
Countries
50+
Speed
1-3 business days
Fees
$1.50 per international transfer
Founded
2014
MoneyGram is a global money transfer company with a large agent network, offering both online and in-person transfer options to 200+ countries.
Countries
200+
Speed
Minutes to 3 days
Fees
From $1.99 to $11.99+
Founded
1940

FairFX (now part of Equals Group) provides international payments and multi-currency cards for personal and business use from the UK.
Countries
130+
Speed
1-2 business days
Fees
From £0 for bank transfers, card fees apply
Founded
2007

Dahabshiil is the largest money transfer company in the Horn of Africa, serving the Somali diaspora and East African corridors with an extensive agent network.
Countries
40+
Speed
Minutes to same day
Fees
Varies by corridor ($3-$10 typical)
Founded
1970
PayPal is a widely-used online payment platform that also offers international money transfers, though fees and exchange rates can be less competitive than specialists.
Countries
200+
Speed
Instant to 3 days
Fees
5% with $0.99 min, $4.99 max
Founded
1998

BOSS Money (by BOSS Revolution) offers international money transfers and mobile top-ups targeting the US-to-Latin America and Caribbean corridors.
Countries
50+
Speed
Minutes to 3 days
Fees
$0-$4.99 depending on corridor
Founded
2006

PNB Europe (Punjab National Bank International) offers money transfers from Europe to India and the Philippines at competitive rates.
Countries
5+
Speed
1-2 business days
Fees
£0-£5 per transfer
Founded
2010

Currencies Direct is a UK-based FX specialist offering competitive exchange rates for large international transfers, with no transfer fees and dedicated account managers.
Countries
200+
Speed
1-2 business days
Fees
No transfer fees
Founded
1996
TorFX is an award-winning international payment specialist, ideal for large transfers with competitive exchange rates and dedicated account managers.
Countries
60+
Speed
1-3 business days
Fees
No transfer fees
Founded
2004
OFX is a global money transfer service specializing in large transfers for individuals and businesses, offering competitive rates with no transfer fees.
Countries
190+
Speed
1-3 business days
Fees
No transfer fees
Founded
1998

CurrencyFair is a peer-to-peer currency exchange platform offering competitive rates by matching buyers and sellers directly, plus a marketplace for setting your own rate.
Countries
150+
Speed
1-2 business days
Fees
From €0 (marketplace) to €3 (instant)
Founded
2010

SingX is a Singapore-based money transfer service offering competitive rates for transfers from Southeast Asia to global destinations.
Countries
50+
Speed
1-2 business days
Fees
Flat SGD 5 or free for larger amounts
Founded
2015

Moneycorp provides international payments and FX services for businesses and individuals. Strong in high-value transfers and corporate FX.
Countries
190+
Speed
1-3 business days
Fees
No fixed fee — built into exchange rate
Founded
1979

HSBC is a global bank offering international transfers between HSBC accounts worldwide. Premier and Global Money customers get preferential rates and fee-free transfers.
Countries
200+
Speed
Same day to 3 business days
Fees
Free HSBC-to-HSBC, £4-£9 otherwise
Founded
1865

Nationwide Building Society offers international transfers for its members. As a building society, it provides a trusted service but at higher cost than specialist transfer providers.
Countries
200+
Speed
2-5 business days
Fees
£15 per international transfer
Founded
1846

Chase (JPMorgan Chase) is one of the largest US banks, offering international wire transfers to account holders. Convenient but typically more expensive than specialist providers.
Countries
200+
Speed
1-5 business days
Fees
$5 domestic, $40-$50 international wire
Founded
1799

Barclays offers international payments for existing account holders through online banking and the Barclays app. Convenient but with higher costs than specialist providers.
Countries
200+
Speed
Same day to 3 business days
Fees
£5-£25 per international payment
Founded
1690

Commonwealth Bank (CommBank) is one of Australia's big four banks, offering international money transfers for account holders. Convenient but significantly pricier than specialist services.
Countries
200+
Speed
2-5 business days
Fees
$6-$22 per transfer
Founded
1911

Santander offers international money transfers for UK and European account holders. Part of the global Santander Group, but transfer costs are higher than specialist providers.
Countries
200+
Speed
2-5 business days
Fees
£25 per international transfer
Founded
1857

NatWest offers international payments for UK account holders through online banking and the NatWest app. Higher cost than specialist transfer providers.
Countries
200+
Speed
2-5 business days
Fees
£15-£25 per international payment
Founded
1968

UOB is a leading Singaporean bank offering international money transfers across Southeast Asia. Strong in ASEAN corridors with competitive SGD rates.
Countries
50+
Speed
1-3 business days
Fees
SGD 5-$25 per transfer
Founded
1935

Lloyds Bank offers international money transfers for UK account holders via online banking. Rates and fees are higher than specialist providers.
Countries
200+
Speed
2-5 business days
Fees
£9.50-£25 per transfer
Founded
1765

ANZ (Australia and New Zealand Banking Group) offers international transfers for account holders. Like most Australian banks, the service is convenient but costly compared to specialists.
Countries
200+
Speed
2-5 business days
Fees
$12-$30 per transfer
Founded
1835

Westpac is one of Australia's big four banks, offering international money transfers through online banking. Exchange rates carry significant markups compared to specialist providers.
Countries
200+
Speed
2-5 business days
Fees
$8-$20 per transfer
Founded
1817

TD Bank offers international wire transfers for Canadian and US account holders. Widely available but significantly more expensive than specialist money transfer services.
Countries
200+
Speed
2-5 business days
Fees
CAD $30-$80 per wire transfer
Founded
1855

State Bank of India offers international remittance services through SBI Remit and its global branch network. India's largest bank by assets.
Countries
20+
Speed
1-3 business days
Fees
$5-$25 per wire transfer
Founded
1955

Scotiabank offers international money transfers for Canadian account holders. Strong Caribbean and Latin American presence but expensive for regular transfers.
Countries
130+
Speed
2-5 business days
Fees
CAD $15-$30 per wire transfer
Founded
1832

Bank of America offers international wire transfers for account holders. While convenient for existing customers, rates and fees are significantly higher than specialist transfer services.
Countries
200+
Speed
2-5 business days
Fees
$35-$45 per international wire
Founded
1904

Royal Bank of Scotland (now NatWest Group) offers international payments for UK account holders. Higher costs than specialist transfer services.
Countries
200+
Speed
2-5 business days
Fees
£15-£25 per international payment
Founded
1727

Wells Fargo provides international wire transfers for existing customers. Like most US banks, fees and exchange rate markups are substantially higher than dedicated transfer services.
Countries
200+
Speed
2-5 business days
Fees
$30-$45 per international wire
Founded
1852

Deutsche Bank offers international wire transfers for German and European account holders. Major global bank but expensive for personal remittances.
Countries
200+
Speed
2-4 business days
Fees
€10-€40 per international wire
Founded
1870