5 of the Best International Money Transfer Services in 2025

If you need to send money overseas, you have several options. Here, you’ll find five vetted and safe companies that offer the best international money transfer services to help you send money to more than 100 different countries. We’ll also provide our best tips to help you avoid scams and ensure your money arrives safely and securely.

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In our research, we found that the best international money transfer companies offer excellent customer service, low fees, good exchange rates, and secure transactions. Many of the companies we recommend also offer money transfers via apps, which make it convenient to send money all over the world using your phone.

• Best overall: Wise
• Best for sending cash internationally: Xoom
• Best for large money transfers: OFX
• Best for extensive networks and locations: Western Union
• Best for quick delivery abroad: MoneyGram

Wise

Best Overall

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Why we picked it

Wise stands out because it has low fees compared to other international money transfer services. Its fees are also transparent fees, so you always know what your transfer will cost. 

Wise offers excellent customer service, and one unique perk is its multi-currency card, which enables you to spend abroad and withdraw cash from ATMs.

• Excellent reviews—4.7/5 on the App Store with 87,000+ reviews and 4.3/5 on Trustpilot with 254,000 reviews
• Send money to 80+ countries in 40+ currencies
• Transparent and low fees, average fee 0.57%
• Licensed and regulated

• Limited access in certain geographic regions
• No cash delivery option like other providers

Countries served	70+ countries
Cost	Varies by transaction and currency
Speed	Varies but can be as soon as same day
Transfer limits	Up to $1 million per wire transfer, $50,000 per ACH transfer, $2,000 per debit/credit card transfer, and $1.6 million per SWIFT transfer

Xoom

Best for Sending Cash Internationally

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Why we picked it

Xoom is a PayPal service that enables you to send money to your family or friends in more than 160 countries. What makes Xoom unique is that you can directly deposit money, arrange for your recipient to pick up cash, or have it delivered. 

Xoom has transparent pricing, enabling you to see what your fee will be before you send money.

• Ability to send money in multiple ways, including cash
• Available in 160+ countries
• Transparent fees and pricing
• Money back guarantee if your money doesn’t arrive to the designated account

• Large transactions require more time and paperwork
• Fees can be higher than some other services

Countries served	160+ countries
Cost	Varies by transaction and destination country
Speed	Varies but can be as soon as same day
Transfer limits	Varies by origin country; U.S. residents can send up to $10,000 for a cash pickup and $50,000 digitally in a 24-hour period

OFX

Best for Large Money Transfers

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Why we picked it

OFX is a money exchange service with more than 25 years of experience. As a regulated entity under the U.S. Treasury’s Financial Crimes Enforcement Network, it’s required to follow strict anti-money laundering laws, report suspicious activity, and maintain safeguards to help prevent financial crimes and protect national security.

After more than 10,500 reviews, the company has a 4.4/5 Trustpilot score. OFX can help individuals and businesses transfer money to more than 170 countries worldwide.

• No transfer fees
• High Trustpilot rating
• Transfer any amount with no limits

• Transfers can take longer than other companies
• Charges higher exchange rates than other companies
• Supports transfers to fewer countries than many other companies

Countries served	170+ countries in 50+ currencies
Cost	No transfer fees; OFX earns income from taking a percentage of exchange rates
Speed	1 – 2 business days for major currencies; others can take longer
Transfer limits	None

Western Union

Best for Worldwide Coverage

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Why we picked it

Western Union is one of the most recognizable company names for money transfers. It transfers money to over 200 countries and territories and can also send money to prisons and military bases. 

• Established company with a trusted name since 1861
• Multiple ways to pay and send money online, with an app, or in person
• Send money to more types of recipient locations than other services

• Direct-to-bank payout not available in all countries
• Fees are higher than other companies
• Lower daily transfer limits than other companies

Countries served	Every country in the world except Iran and North Korea
Cost	Use the price estimator; fees vary depending on the country and amount
Speed	As fast as minutes depending transfer type
Transfer limits	Up $50,000 USD/EURO from the U.K., France, Germany, Australia, Hong Kong, and the U.S, but the limit for most other countries is up to $5,000 USD/EURO

MoneyGram

Best for Extensive Networks and Locations

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Why we picked it

Using MoneyGram, you can send money to 200 countries and territories. In certain countries, you can send money to bank accounts or mobile wallets, and you can send cash that your recipient can pick up in minutes.

• Ability to send money quickly
• Over 400,000 agents all over the world
• Cash transfers available in minutes

• Fees can be more expensive than other services
• Some exchange rate markups

Countries served	200+ countries and territories
Cost	Varies depending on the amount and country
Speed	As fast as minutes depending on transfer type
Transfer limits	A maximum of $10,000 – $15,000 depending on the country

How do you transfer money overseas?

Here is a step-by-step guide to follow if you want to transfer money overseas:

1. Research and choose a money transfer company.
2. Set up an account and enter your recipient’s details.
3. Choose how you will fund the transfer.
4. Double-check fees and other costs.
5. Send the transfer and track it.
6. Confirm that your recipient received the transfer.
7. Keep records of your transfer.

How much does it cost to send money abroad?

The two main considerations when sending money internationally are transfer fees and exchange rates. Each company listed above has different transfer fees, currencies it supports, types of payments it accepts, and exchange rates. Which one is best for you depends on the amount of money you’re transferring and where the recipient lives.

Some companies charge flat-rate fees per transfer or a percentage of the transfer, which can get expensive if you’re sending large amounts of money. Additionally, some companies profit from exchange rates, charging a percentage above the mid-market rate. The mid-market rate is the average exchange rate and what banks use to transfer money to other financial institutions. 

When comparing fee structures, look for hidden fees, like credit card or wire transfer fees. Be wary of companies offering no fees—exchange rates could be worse than those charged at a flat rate or a set percentage of the transfer as a fee.

The cost of transferring money internationally can vary depending on several factors. I recommend comparing several providers to ensure you choose the best option for your situation. Understanding the exchange rates—because markups can vary—also helps.

Are international fund transfers safe?

The money transfer apps listed here are legitimate companies that are safe to use. However, scammers pose as legitimate clients or customers on money transfer apps to try to steal from you. To avoid this, always double-check to ensure you’re sending money to the right person. Confirm account numbers and details, especially when sending large amounts of money. 

Scammers also pose as real estate agents to divert large sums, like the down payment for a house, to their accounts. Do your own due diligence, and choose a company with security settings, like data encryption, that shield your personal information. It’s smart to read recent customer reviews of a company before using it to send money abroad. 

You can safely transfer international funds if you:

• Choose a legitimate transfer company
• Double-check the details of the recipient
• Avoid sharing personal information

When in doubt, make sure the service you use is licensed and abides by financial regulations.

Checklist: Find the best way to send money internationally

Here are a few questions to ask yourself before choosing an international money transfer provider:

• How much money do I need to send? Some companies charge fees based on the total amount transferred, so knowing the amount you are transferring can help you calculate the total cost.
• What is the company’s exchange rate? Some money transfer companies offer more competitive exchange rates than others. Knowing this ahead of time also helps you calculate your total cost.
• What is the currency exchange rate between the two countries you’re transferring money? The currency exchange rate is the value of one country’s currency in relation to the other’s. This may affect how much money you need to send.
• Where am I sending the money transfer? Some international money transfer options will only allow you to send money to a specific list of countries. 
• Will the recipient of the money transfer have to pay their own fees? Find out whether the recipient will have to need to transfer the money to their account.
• How quickly can I send money internationally? Some companies offer faster transfers than others, and some might offer faster transfers for an additional fee.
• Is the international transfer provider licensed? Make sure your personal information is protected and that the company you use is licensed. For example, Wise lists its licenses on the website, including contact information for the financial regulatory office in each state.
• Does the transfer company have good customer service? Read reviews and research money transfer companies before choosing one. Choose a company that demonstrates exceptional customer service.

Recap of the 5 best ways to transfer money internationally