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.
Compare. Choose. Send.
Find the best international money transfer service
Best for Large Transfers
1
Over 58K 'Excellent' Trustpilot reviews
Personalized support for high-value clients
Competitive rates on major currencies
Personalized support for high-value clients
Competitive rates on major currencies
2
No-fee transfers, great exchange rates
24/7 multilingual customer support
24/7 multilingual customer support
For Business Only
3
Global payments for growing businesses
4
Cash pickup available in 60+ countries
USD
PHP
Med Charges
5
Send money globally to 140+ countries in-app
USD
GBP
Med Charges
6
Send money to 130+ countries
USD
MXN
Med Charges
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.
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Service
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Features
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Score
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Transfer Money Now
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Best for Large Transfers
1
|
 
Personalized support for high-value clients
Secure transfers with strong encryption
Over 58K 'Excellent' Trustpilot reviews |
USD
CAD
Low
USD
GBP
Low
USD
EUR
Low
|
FinCen, FCA, ASIC
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Time to Open Account
Up to 3 minutes
Sending Options
Bank account
Debit or credit card ACH direct debit (US only) Wire transfer Receiving Options
Bank account (up to 3 days)
Mobile wallet (fast deposit) Cash pickup Required Documents
ID
Proof of address Mobile
transfer
Bank-beating
rates
Phone
support
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2
|
No-fee transfers, great exchange rates
Fast, reliable global transactions
24/7 expert customer support |
USD
CAD
Low
USD
SGD
Low
USD
EUR
Low
|
FCA, ASIC
|
||||
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Time to Open Account
Up to 5 minutes
Sending options
Bank account
Wire transfer Direct debit Receiving Options
Bank account
Required Documents
ID
Address Additional verification for business accounts Bank-beating
rates
Secure
platform
No hidden
fees
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For Business Only
3
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Global payments for growing businesses
Same-day international transfers |
USD
GBP
Low
USD
EUR
Med
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9.2
Review
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ASIC, FCA, SFC, FINTRAC
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|||
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Time to Open Account
Same-day international transfers to 120+ countries
Sending Options
Bank account
Receiving Options
Bank account
Airwallex Global Account Required Documents
- Certificate of incorporation
- ID and authorization of UBO - Supporting business documents Corporate cards
Fast setup
Competitive
FX rates
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4
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Cash pickup available in 60+ countries
Send from $1 to most destinations |
USD
PHP
Med
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8.8
Review
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FinCEN, FCA
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Time to Open Account
Just minutes
Sending Options
Bank deposit
Mobile wallet Cash pickup Receiving Options
Bank pickup at Access
or Zenith branches Required Documents
ID
Cash pickup
Mobile app
24/7 customer
support
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5
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Send money to 140+ countries
Clear transfer rates and cash pickup |
USD
GBP
Med
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8.4
|
FCA, FDIC
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Time to Open Account
Opening an account is instant upon app download
Sending Options
Global Transfers via Cash Control in-app
Receiving Options
Method of delivery depends on the country and currency you select. Possible delivery transfer methods include a Bank Deposit, Cash Pickup, Mobile Wallet transfer, Send to debit card, and in some cases, home delivery
Required Documents
Delivery method of the transfer determines how the recipient will get the money. For direct bank transfer, the money will be deposited directly into the recipient's bank account. For a cash pickup, the recipient must visit a MoneyGram® location and provide the transaction’s reference number. The receiver’s name on the Global Transfer must match their government-issued ID exactly.
 1,017 Reviews |
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6
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Send money to 130+ countries
Trusted transfers for family back home |
USD
MXN
Med
|
FCA
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||||
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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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Abigail
Recently had to move a larger amount so dealt directly to set up a market order. Process was very smooth, with consistently excellent service and good rates.
Daniel Mosquera
XE.com has offered a vetted and reliable way of transferring funds overseas. The exchange rates and fee structures are more reasonable than most financial entities' like Western Union or more popular ones like XOOM or RIA. XE has been very useful in aiding helping relatives and planning for retirement.
Mr Stanley Donkin
Excellent service and great customer care with reassuring integrity during these times when doing anything financial online is fraught with anxiety. Thank you, especially to Francesca who was responsive and helpful in a timely manner, every step of the way. Also, the speed of transfer once I had forward the fund was very impressive.
HildaCupcakes
What can you really say about a currency conversion app? This app works exactly as it should. It gives current rates, quickly, it’s much more convenient than a google search and can be displayed on your notifications and Apple Watch for easy access when traveling. This is my constant companion while abroad as it’s much easier to plug in a price of an item and see how much it’ll really cost me, & if it’s worth it than guessing. I love being able to track currency trends as it helps me plan future locations. Overall I’ve had no issues with this app over the years I’ve had it.
maggiebex
I spent the past year traveling around the world, and this app was my most-used resource. Clear, easy user interface, immediate results, constantly updated markets rates that are more accurate than the rates states and banks offer. And it works offline if you don't have a network connection! (Though it can't update rates while offline, obviously.)
Dibyendu Das
Perhaps the UI still requires some work, however in terms of sending limit, market rate and remittance speed (within 5 days max) Xe easily beats some of its competitors like Transferwise, Xoom and even Moneygram (which is what I had been using before switching over). It's currency conversion rate is the best in the market (so far what I've found). I regularly use it to remit USD to INR. However, it would be very useful if they mention the sending limit somewhere on their website on in the app.
Keith K
Been using the widget for a while to monitor an FX rate, and no problem. I used to have a bank relationship that gave me great pricing & speed, so I've never had to use Xe. But a few days ago, for technical reasons, I had to find an alternative way to transfer funds, and was pleasantly surprised to find Xe to be most competitive with their rates. What's more, the funds were transferred to the receiving bank in a couple hours and I was notified each step in real time! Absolutely love it!!!
Siddhesh
It gives the best transfer rate. Simple and user-friendly UI. They just need to provide an option to give a nickname to receiving bank accounts. The app shows the name of the recipient. As people usually have multiple bank accounts, of course, with the same name, it's tough to know which bank we are sending money to.
Satinderpal Saini
Great service, got money from Canada to US in 36 hrs, transferred almost 100k, great customer support, track your transfer, no exorbitant transfer fees. I am highly thankful to OFX for coming to rescue when my bank did not let me do wire transfer when it was needed the most.
Margaret
Straightforward website and very user friendly. Speedy transfer of funds, with regular updates to keep me informed of progress.
Carla VP
As a first time user, I appreciated the support via email and phone, very helpful in clarifying steps. Rates offered were competitive, and once agreed on the deal, the transfer was very fast. I highly recommend OFX.
Joanna Brett
The app is so easy to use, and the transfer service super-quick. Extremely helpful customer service representative when I had an issue with my UK bank. OFX make transferring funds internationally a breeze- love it!
Nick Flude
Recently had to transfer from a US broker into Australia. The way OFX has set up their local and international transfers makes it easy and give better than bank exchange rates. Their app is a great resource and friendly staff are always available to help.
Peter
Our children live in Australia. It's great to know as and when they need help financially this can be done quickly and securely by OFX.
Customer Experiences
Our Score: 9.8
"XE is reliable trusted and smooth for sending money overseas . When sending larger transactions, it is the best and safest." - Karl, verified Trustpilot review
Pros
- $0 fees per transfer with competitive “mid-market” rates
- Live transfer tracking with updates through arrival
- A leading provider in transfers across major corridors
- Daily market updates delivered to your inbox
- 24/7 customer support with instant response
Cons
- Check and cash payments are not accepted
- Maximum transfer limit of US$500,000 (or equivalent)
Our Score: 9.5
"OFX are the best. I've used them for years, always efficient, reliable and the best rates to boot." - Nina Roberts, verified Trustpilot review
Pros
- A global expert team is available 24/7, with offices in 9 countries
- Over 190 countries covered, more than 55 currencies exchanged
- You can set up routine payments for your rent, mortgage, or pension for up to 12 months
- Offers a special intro rate for transferring between: USD, CAD, AUD, GBP, NZD, EUR, and SGD
- Excellent choice when it’s time to cash out your global investments
Cons
- Don’t offer digital wallets & travel cards for individuals
- Cash pick-up is not available, making it less convenient to send money to loved ones
Our Score: 9.2
"10/10 for simplicity and user experience. 10/10 speed. 10/10 for scalability of small teams with individual cards. 9/10 for resolving issues."
- Jassen, verified Trustpilot review
Pros
- Operates under strict regulatory supervision across multiple countries
- Fully remote onboarding completed within two days
Cons
- Available only to businesses, not individuals or freelancers
- Does not offer traditional banking services
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies to help you 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 and 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, while others take a percentage of the transfer amount, and some services remove the transfer fee completely. The conversion rate is another key cost factor, and therefore poses another important pricing component to review closely. Use the information above to identify the most cost-effective solution for your transfer.
Customer Support
Check the customer support channels available and ensure they are convenient for you. These generally include email, online chat, phone call support, or an 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 are better suited for small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.