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
Choose Your Transfer Amount:
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 fees on transfers between Revolut users
Exchange and transfer 25+ currencies
Competitive rates, trusted by millions
Exchange and transfer 25+ currencies
Competitive rates, trusted by millions
3
P2P exchanges for 20+ currencies
Multilingual support by phone / email
Multilingual support by phone / email
4
No-fee transfers, great exchange rates
5
Send money to 130+ countries
USD
MXN
Med Charges
6
Cost-effective for small transfers
USD
CAD
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
|
Features
|
Score
|
Transfer Money Now
|
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|---|---|---|---|---|---|---|---|
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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
|
||||
|
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
|
|||||||
|
2
|
No fees on transfers between Revolut users
Exchange and transfer 25+ currencies
Competitive rates, trusted by millions |
USD
 MXN
Low
USD
GBP
Low
USD
EUR
Low
|
Lead Bank (Member FDIC)
|
||||
|
Time to open account:
A few minutes
Sending options:
Bank transfer
Debit card Revolut transfer Payment link Receiving Options:
Bank account
Revolut account Required Documents:
SSN/ITIN
If you are unable to submit SSN/ITIN, you must submit a valid government-issued document Transfers to
140+ countries
Multi-currency
transfers
No Extra
FX Fees
|
|||||||
|
3
|
Low fixed fee across all transfer sizes
Send 20+ currencies to 150+ countries |
USD
CAD
Low
USD
SGD
Low
USD
EUR
Low
|
FCA, ASIC
|
||||
|
Time to Open Account
A couple of minutes
Sending Options
Bank transfer
Mobile app Debit card Receiving Options
Bank account
Required Documents
ID: passport/driving licence
Proof of address (eKYC) Transparent
pricing
Phone
support
Fast local
transfers
|
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|
4
|
No transfer limits in 55+ Currencies
Pay & get paid with a global account |
USD
PHP
Low
USD
EUR
Low
|
FCA, ASIC
|
||||
|
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
|
|||||||
|
5
|
Send money to 130+ countries
Trusted transfers for family back home |
USD
MXN
Med
|
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
|
|||||||
|
6
|
Holds more than 50 currencies
Cost-effective for small transfers |
USD
CAD
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
|
|||||||
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.
Gary Gibbs
I love the flexibility and ease of use in the Revolut. The app is easy to navigate and with that and the card they are great to use particularly for travel, but equally as good for a debit card at home where you can manage your finances.
Costin Negrea
I like very much Revolut. I enjoy all the features that you released until now. The insurance is a big plus for me and my family cause I don’t need to keep in mind anymore to buy a travel insurance when we travel. I had very nice experience with the insurer too. At this moment, Revolut is my main spending account and i enjoy every bit of it.
Kirbyamour
I love the actual way this app works. The functionality, real time balance, vaults etc
s👍🤣😊🤙🎂🤬👊👍
I can only stress that when I say this card is the best for all your travel money issues this one card covers it all, you can use the ATM anywhere in the world where their is one. So this gets a 🤙👍🤙👍 from me.😁
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.
Gary Gibbs
I love the flexibility and ease of use in the Revolut. The app is easy to navigate and with that and the card they are great to use particularly for travel, but equally as good for a debit card at home where you can manage your finances.
Costin Negrea
I like very much Revolut. I enjoy all the features that you released until now. The insurance is a big plus for me and my family cause I don’t need to keep in mind anymore to buy a travel insurance when we travel. I had very nice experience with the insurer too. At this moment, Revolut is my main spending account and i enjoy every bit of it.
Kirbyamour
I love the actual way this app works. The functionality, real time balance, vaults etc
s👍🤣😊🤙🎂🤬👊👍
I can only stress that when I say this card is the best for all your travel money issues this one card covers it all, you can use the ATM anywhere in the world where their is one. So this gets a 🤙👍🤙👍 from me.😁
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
"So easy to use whilst travelling in the USA. Instant conversion is great for tracking your spending".
Pros
- Send and exchange currencies in-app
- Competitive exchange rates in 25+ currencies
- Track the status of your transfers in real time, directly in app
- Vast Coverage: Money transfer to 140+ countries in 25+ currencies
- Revolut will always show any fees before the user hits send
Cons
- No cash deposits
- No phone support
Our Score: 9.2
"Now my recurring transaction is up and running and my funds are paid in by standing order all I have to do now is nothing which is perfect. I also find it very easy to add recipients who I pay randomly and without problems."
– Philip Wood, verified Trustpilot review
Pros
- Regulation: CBI, ASIC, MAS and C&E HK regulated
- Reliable customer service: with native speakers in En, De & Fr
- Average commission of just 0.35%
- Refer friends to CurrencyFair and you could earn €50 each
- Currencies exchange: no minimum or maximum amount
Cons
- Sign up is restricted to certain countries
- Transfers can only be funded by bank transfers (no credit cards)
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.