Top 10 Money Transfer Services
Service |
Features |
Score |
Transfer Money Now | ||||
|---|---|---|---|---|---|---|---|
1  | 
Low fees and exchange rates
Door to door cash delivery option
Instant transfers to mobile money accounts
Cash pick-up in minutes | EUR - PHP Low EUR - NGN Low EUR - INR Low | FCA | ||||
Time to Open Account A few minutes Sending Options Bank Account Mobile App Receiving Options Cash pickup Bank transfer Mobile money Airtime top up Door-to-door Required Documents ID Documentation, Proof of Address Mobile/App Transfers Social Media Support SMS/email Notification | |||||||
2  |
Instant card-to-card transfers
Send money to over 80 countries
Fixed fees & low exchange rates | EUR - RUB Low EUR - UAH Low | FCA | ||||
Time to Open Account A few minutes Sending Options Credit/Debit card Bank account Receiving Options Credit/Debit card Bank account Required Documents Passport/ID/Driver’s Licence, Proof of address No documents required for transfers under €1000/£800 Mobile/App Transfers 24/7 Customer Support Instant Delivery | |||||||
3  |
Multi-lingual customer service
Money management app | EUR - NGN Low EUR - INR Low | FCA | ||||
Time to Open Account A few minutes Sending Options Credit/debit card Instant bank transfer Wire transfer Sofort Receiving Options Cash pickup Bank transfer Digital wallet Required Documents ID Mobile app transfer Support via social media 24/7 Processing | |||||||
4  |
300,000 cash pick-up locations
Good for sending money home | EUR - PHP Low | FCA | ||||
Time to Open Account A few minutes Sending Options Bank Account Mobile App Receiving Options Cash pickup Bank transfer Mobile money Required Documents ID Documentation, Proof of Address Mobile Transfer Payment Tracking Cash Pick-Up | |||||||
5  |
No minimum transfer amount
Same day express transfers | EUR - INR Med | FCA | ||||
6  |
Good fit for SMBs
Zero transfer fees | EUR - INR Med | FCA, ASIC | ||||
7  |
Send money to over 200 countries
Money is available for pick up in minutes | EUR - INR Med |
80
Review | FCA | |||
8  |
Bank-beating exchange rates
Same-day transfer available | EUR - INR Med | ASIC, CBI | ||||
9  |
Option of 30 minutes delivery
High security standards | EUR - INR Med |
75
Review | FCA | |||
10  |
No minimum transfer amount
Good customer service | EUR - PHP High | FCA | ||||
Advertiser Disclosure
Latest Reviews
"I've used it for a few years and it's always been very easy, quick and reliable. Rates are very competitive. Definitely recommend."
Pros
- CBI, ASIC, AFS MAS and C&E HK regulated
- Free to register
- Reliable customer service
- Average commission of just 0.35%
Cons
- Certain countries are excluded from using the service
"After many hours of researching my best options for funding my daughter's overseas tuition, I went with XE.com and I am very satisfied with the cost being minimal and the process expedient."
Pros
- Fully regulated by the FCA, FinCen, ASIC, and FMA.
- $0 fees per transaction with highly competitive “mid-market” exchange rates
- Free accounts (personal & business)
- 170+ countries and 60+ currencies available
- Instant and professional customer support 24/7
Cons
- Cheques and cash payments are not accepted
- Maximum transfer amount of $500,000
"Fast and efficient service, I have full confidence in WorldFirst and make the transfer of funds so easy."
Pros
- Free account
- No transfer fees for personal and online seller accounts
- Bank-beating exchange rates
- Local receiving accounts
- Excellent support
- Fully regulated & licensed
- Safe and secure money transfers
Cons
- Slower transfers for specific locations (mostly South America)
- Additional inquiry necessary for info on destination countries and supported currencies
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies so you can find the best provider for your international transfer.
Safety
Check your chosen money transfer provider is regulated by a government authority, to ensure your money is safe & protected when transferred. The main regulators include:
– FCA (Financial Conduct Authority), UK
– ASIC (Australian Securities and Investments Commission)
– FinCEN (Financial Crimes Enforcement Network), USA
Fees & Rates
Some money transfer services charge a fixed transaction fee, others take a percentage of the transfer sum, while some services waive the transfer fee completely. The conversion rate is another money-maker for many services and as such poses yet another crucial pricing component to examine carefully. Consider the above to find the most cost-effective solution for your transfer.
Customer Support
Check the customer support channels available are convenient for you. These generally include email, online chat, phone or online ticketing system. In addition, some money transfer services provide a personal account manager to assist with special transactions and important tasks. Try checking this beforehand, to avoid stress when you need help.
Sending & Receiving Options
It’s important to confirm the sending options offered by your preferred money transfer provider are convenient for you. You should also ensure that your recipient is able to easily collect the money sent. Common sending options include bank transfer or credit card. Common receiving options include bank transfer and cash pickup.
Transfer Amounts
Another important element to consider is the amount of money you wish to transfer. Some services offer better features and benefits for large transfer amounts or business transfers, while others better handle small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.