Top 10 Money Transfer Services - USA

All listed services are safe & regulated
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
Choose Your Transfer Amount:
1
Transfer Fees: Low
Best for transfers over $1,000
Transfer from the US to over 130 countries
2
Transfer Fees: Low
Low fees, best rates for small transfers
Numerous cash pick-up collection points
3
Transfer Fees: Low
Free international transfers
Pay suppliers and taxes in a local currency
4
Transfer Fees: Low
5
Transfer Fees: Med
6
Transfer Fees: Med
7
Transfer Fees: Med
8
Transfer Fees: Med
Service
Features
Charges
Score
Regulation
Transfer Money Now
1
Best for transfers over $1,000
No transfer fees & Bank-beating rates
Most transfers occur within minutes
Transfer from the US to over 130 countries
USD
-
EUR
Low
USD
-
CAD
Low
USD
-
GBP
Low
FinCen, FCA, ASIC
Time to Open Account
A few minutes
Sending Options
Credit Card
Debit Card
Bank Account
Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Mobile
Transfer
Phone
Support
Advanced
Currency Solutions
33,673 Reviews | Excellent
2
Low fees, best rates for small transfers
Numerous cash pick-up collection points
Transfer directly to mobile money accounts
USD
-
PHP
Low
USD
-
NGN
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
32,930 Reviews | Excellent
3
Free international transfers
Pay suppliers and taxes in a local currency
USD
-
AUD
Low
USD
-
EUR
Low
FCA, ASIC
Time to Open Account
A few minutes
Sending options
Wire Transfer
Debit Card
Receiving Options
Bank Account
Required Documents
ID Card, Proof of Address
Local Account
Solutions
Mobile
Transfers
Locked-in
Exchange Rates
3,728 Reviews | Excellent
4
Instant card-to-card transfers
Send money to 90+ countries
USD
-
CNY
Med
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
5
Make fast, fee-free transfers
24/7 one-on-one customer support
USD
-
EUR
Med
FCA
6
Good fit for online sellers
Pay suppliers in local currencies
USD
-
EUR
Med
FCA, ASIC
7
No minimum transfer amount
Good customer service
USD
-
EUR
High
FCA
8
Good fit for medium-large transfers
TrustPilot Best in “Money” category 2016
USD
-
EUR
High
FCA

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Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.

Latest Reviews

"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 WorldRemit and make the transfer of funds so easy."

Pros

  • Low costs incurred in transferring funds
  • Friend referral bonuses available to clients
  • Fully licensed and regulated by the FCA of the UK
  • Multiple options are available to pay for transfers including credit cards, debit cards, prepaid cards, e-wallets and others

Cons

  • A little difficult to find information on exchange rates before you transfer funds
  • Transfer amounts are limited
  • Not all countries are covered by WorldRemit services
  • Customer service options are limited

"OFX are the best. I've used them for years, always efficient, reliable and the best rates to boot."

Pros

  • Over 190 countries covered, more than 50 currencies exchanged
  • Local receiving accounts set up quickly and free of charge
  • Bank-beating exchange rates
  • No transfer fees and/ or commissions
  • Secure and fully regulated in each of the covered jurisdictions
  • Suppliers and VAT invoices can be paid in their own currency from the appropriate local currency account that is connected to a global currency account

Cons

  • No live chat support option
  • Some solutions seem overly complicated

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.

Top 3 Currency Corridors (US)

The providers listed in our comparison offer transfers to a wide range of corridors, allowing you to send money to a large list of countries around the world. The most popular corridors from the US are:

-USD/EUR

-USD/GBP

-USD/CAD