Send money internationally with the lowest fees and best exchange rates. We've compared the top transfer services to save you money on every transaction.
Wise dominates international transfers with its transparent pricing and real exchange rates. For speed, Remitly and Western Union offer instant options. For large transfers over $10K, OFX provides personalized service with no maximum limits.
Fast transfers to developing countries
Best for large international transfers
Global cash pickup network
Mobile-first international money transfer
Peer-to-peer currency exchange
Established global transfer network
Widely accepted but expensive for transfers
Digital bank with international transfers
| Service | Transfer Fee | Exchange Rate | Speed | Countries | Methods | Score |
|---|---|---|---|---|---|---|
| #1 Wise (TransferWise) | 0.4-1.5% | Mid-market | 1-3 days | 80+ | Bank/Card | 9.5 |
| #2 Remitly | $0-5 | Competitive | Min-3 days | 100+ | All | 9.1 |
| #3 OFX | $0 | Near mid-market | 1-3 days | 170+ | Bank | 8.8 |
| #4 Western Union | $5-15 | Marked up | Min-5 days | 200+ | All | 8.3 |
| #5 Xoom (PayPal) | $0-5 | Competitive | Min-3 days | 130+ | All | 8.1 |
| #6 WorldRemit | $1-5 | Competitive | Min-3 days | 150+ | Digital | 8.0 |
| #7 CurrencyFair | $0-3 | Near mid-market | 2-5 days | 50+ | Bank | 7.8 |
| #8 MoneyGram | $2-10 | Marked up | Min-3 days | 200+ | All | 7.5 |
| #9 PayPal | 2.9-4.4% | Marked up | Instant-3 days | 200+ | PayPal | 7.3 |
| #10 Revolut | $0-1% | Mid-market* | 1-3 days | 30+ | Bank | 7.0 |
Key factors: total cost (fees + exchange rate markup), transfer speed (instant to 5 days), delivery method (bank, cash pickup, mobile wallet), and destination coverage. Always compare the total amount received, not just the fee.
Wise (formerly TransferWise) consistently offers the lowest total cost by using the real mid-market exchange rate with a small transparent fee. For large transfers, OFX and CurrencyFair are also competitive.
Transfer times vary by service and destination. Wise takes 1-3 business days, Western Union offers instant cash pickup, and Remitly can deliver within minutes for some corridors.
Reputable services like Wise, Remitly, and OFX are regulated financial institutions with encryption and fraud protection. Always use well-known, licensed providers.