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Expert reviews of the top money transfer services. Every provider is tested with real transfers and scored across 7 key categories.
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
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
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
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
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

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
Wise (formerly TransferWise) offers transparent, low-cost international money transfers using the real mid-market exchange rate with no hidden markups.
Countries
80+
Speed
1-2 business days
Fees
Variable fee from 0.41%
Founded
2011
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
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
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
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
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
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
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