Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
Top 10 Money Transfer Services - USA
All listed services are safe & regulated 
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
★ Our Most Popular ★
1
Ability to set up recurring payments
No transfer fees, pay in 120+ currencies
No transfer fees, pay in 120+ currencies
Ideal for transferring home
2
Fast, low-cost global money transfers
Instant cash pickup and mobile top-ups
Instant cash pickup and mobile top-ups
3
Transparent pricing with no hidden fees
Multiple delivery options for recipients
Multiple delivery options for recipients
4
All-in-one app: from international transfers to travel perks, cashbacks, recurring payments and more
Best for transfers within USA
Advertiser Disclosure
Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
|
Service
|
Features
|
Score
|
Transfer Money Now
|
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|---|---|---|---|---|---|---|---|
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★ Our Most Popular ★
1
|
Ability to set up recurring payments
No transfer fees, pay in 120+ currencies
Same-day transfers if initiated before 11am |
USD
 EUR
Low
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Mobile App
Bank Account Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Award-winning
customer service
No transfer
fees
Manage
payments in-app
|
|||||||
|
Ideal for transferring home
2
|
Send money to 130+ countries
Instant cash pickup and mobile top-ups |
USD
 MXN
Low
USD
INR
Low
USD
PHP
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
|
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|
3
|
Transparent pricing with no hidden fees
Multiple delivery options for recipients |
USD
MXN
Med
USD
INR
Med
|
FCA
|
||||
|
Time to Open Account
About 3 minutes
Sending Options
Credit/debit card
Bank transfer Receiving Options
Bank account
Cash collection Mobile money Home delivery Required Documents
Bank statements
ID documentation Mobile
transfer
Phone
support
Two-factor
authentication
|
|||||||
|
4
|
Install the app to easily sign up
High-speed transfer: typically under 30 minutes |
USD
RON
Med
|
Metropolitan Commercial Bank (MCB)
|
||||
|
Time to open account:
A few minutes
Sending options:
Internal transfer to another Revolut user, Bank transfer, Credit/Debit card, Wire transfers
Receiving Options:
Revolut account, Another bank account
Required Documents:
ID proof
Card & Bank
transfers
Instant peer-
to-peer transfers
Transfer status
tracking
|
|||||||
|
5
|
Holds more than 50 currencies
Cost-effective for small transfers |
USD
PKR
Med
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Bank account
Credit/debit card PISP SWIFT Google Pay / Apple Pay Receiving Options
Bank account
Required Documents
ID documentation
Proof of address Travel money
Mobile/app
transfers
Multi-currency
card
|
|||||||
|
Best for transfers within USA
6
|
Fast, domestic money transfers
Fee-free overdraft up to $200 |
USD
USD
Low
|
8.2
Review
|
FDIC
|
|||
|
Time to open account
2-minute signup
Sending Options
Credit/Debit Card
SpotMe Max transfer amount
$10k/day or $25k/month
Min transfer amount
none
Required Documents
ID, Proof of Address
24/7 Live Support
Credit Builder
SpotMe
|
|||||||
Customer Experiences
Pros
- Established in 1979 and now trade over £70bn annually
- Personal bespoke service
- Competitive exchange rates and no transfer fees
- Unique repatriation scheme to assist british clients selling property in Spain
- Extensive product suite from same-day transfers to regular payment plans, from forwards to regulated Options
Cons
- No cash or cheques accepted
- No travel money
- Bank to Bank transfers only
"Great service, lowest charge. Great foreign exchange, easy transaction and super fast and reliable, 100% trusted!!!" - Rea, verified Trustpilot review
Pros
- Low costs incurred in transferring funds
- Friend referral bonuses available to clients
- Fully licensed and regulated by the FCA of the UK
- Flexible payment options: credit/debit cards, bank transfer and others
- Customer service available 24/7 in 6 different languages
Cons
- Not all countries are covered by WorldRemit services
- Transfer limit: max of $9,000 in 24 hours and $5,000 per transaction
"They have an amazing service. So fast and reliable. I am a regular user of Remitly money transfer and always satisfied with how they handle every stage of the process." - Sara, verified Trustpilot review
Pros
- The delivery time is guaranteed, otherwise, they will refund your fees
- Smooth transfers for sending money to family and friends in your home country
- Express and Economy options for sending money
- Accepts debit cards, credit cards, bank deposits, mobile money, and more
- Both you and the recipients can track your transfer every step of the way
Cons
- Promotional offers are a little vague
- Double security steps can be somewhat of an annoyance to customers
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:
– FinCEN (Financial Crimes Enforcement Network), USA
– FCA (Financial Conduct Authority), UK
– ASIC (Australian Securities and Investments Commission)
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.
Transfers from the US
Safety
FinCEN, the main regulatory financial authority in the US, is responsible for monitoring activities of the US based financial services. It is highly recommended to use the services of a company registered and licensed by the FinCEN when making a money transfer from the US.
Ease of Onboarding
Most top-rated US based money transfer services offer a completely digital account opening and user-authorization process. Any required proof of ID documents can be supplied digitally, eliminating waiting times. With this option, new customers are able to complete the onboarding process online, in just a few minutes.
Fees and Rates
The US is at the center of the modern FinTech industry, hence you can find a lot of different money transfer services to choose from. This gives users the option to use a service that charges minimal or no transaction fees combined with fair mid-market exchange rates. You can save on average up to 8 times on rates & fees by using top services like XE instead of a high-street bank such as JPMorgan Chase.
