Top 10 Money Transfer Services - USA

All listed services are safe & regulated
Get bank beating rates on your transfer
Fast mobile transfers
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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.
Great for large transfers
1
Transfer Fees: Low
Score
9.8
No fees on transfers over £/$/€250
Bank beating exchange rates
2
Transfer Fees: Low
Score
9.5
A global expert team available 24/7
Transfer speed: 1-2 days
Ideal for transferring home
3
Transfer Fees: Low
Score
9.2
Low fees: 0-$1, no minimum transfer
Instant cash pickup & airtime top-ups
4
Transfer Fees: Low
Score
8.8
Offers travel card on Google wallet
Best for transfers within USA
5
Transfer Fees: Low
Score
8.4
Fee-free overdraft up to $200

Advertiser Disclosure

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.
Service
Features
Charges
Score
Regulation
Transfer Money Now
Great for large transfers
1
No fees on transfers over £/$/€250
Transfer speed: 1-2 hours
Bank beating exchange rates
International transfers to 130+ countries
USD
EUR
Low
USD
GBP
Low
USD
INR
High
FCA, FinCen, ASIC
Time to Open Account
Up to 2 min
Sending Options
Bank Account
Debit or Credit Card
Wire Transfer
Receiving Options
Bank Account (up to 4 days)
Required Documents
ID, Proof of Address
Money Transfer
Tracking
Live
Rates
Advanced
Currency Solutions
64,593 Reviews | Excellent
2
A global expert team available 24/7
Transfer speed: 1-2 days
Pay & get paid with a global account
USD
AUD
Low
USD
EUR
Low
USD
CAD
Low
FCA, ASIC
Time to Open Account
Up to 3 min
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
4,801 Reviews | Excellent
Ideal for transferring home
3
Minimum transfer: none
Instant cash pickup & airtime top-ups
USD
INR
Low
USD
GHS
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
55,075 Reviews | Great
4
Offers travel card on Google wallet
Holds more than 50 currencies
USD
EUR
Med
FCA
Time to Open Account
A few minutes
Sending Options
Bank account
Credit/Debit Card
PISP
Swift
Google/Apple Pay
Receiving Options
Bank account
Required Documents
ID Documentation, Proof of Address
Travel Money
Mobile/App
Transfers
Multi-Currency
Card
3,045+ Reviews | Excellent
5
1st Transfer Bonus
Transfer speed: usually instant or same day
USD
INR
High
ASIC (AU)

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)
  • 139 currencies to over 220 countries and territories
  • Instant and professional customer support 24/7

Cons

  • Cheques and cash payments are not accepted
  • Maximum transfer amount of US$500,000 (or currency equivalent)

"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 can be set up quickly and free of charge
  • No transfer fees and/ or commissions
  • Secure and fully regulated in each of the covered jurisdictions
  • Offers a special intro rate for transferring between: USD, CAD, AUD, GBP, NZD, EUR, and SGD

Cons

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

"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
  • 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 $9k in 24 hours and $5k per transaction

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