Top 10 Money Transfer Services to the USA

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1
Transfer Fees: Low
No transfer fees & Same day transfer
Excellent customer support
2
Transfer Fees: Low
Low fees and exchange rates
Cash pick-up in minutes
3
Transfer Fees: Low
Zero transfer fees
Good fit for SMBs
4
Transfer Fees: Low
5
Transfer Fees: Med
6
Transfer Fees: Med
7
Transfer Fees: Med
Service
Features
Charges
Score
Regulation
Transfer Money Now
1
No transfer fees & Same day transfer
Conversion to any currency
Excellent customer support
Best service for transfers over $/£/€5,000
USD
-
USD
Low
GBP
-
USD
Low
EUR
-
USD
Low
FCA, FinCen, 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 and exchange rates
Door to door cash delivery option
Instant transfers to mobile money accounts
USD
-
USD
Low
GBP
-
USD
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
Good fit for SMBs
Zero transfer fees
USD
-
USD
Low
GBP
-
USD
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
1st Transfer Bonus
Zero-Margin FX Rates
USD
-
USD
Med
ASIC (AU)
Time to Open Account
A few minutes
Sending Options
Bank Account
Mobile App
Receiving Options
Cash pickup
Bank transfer
Mobile money
Required Documents
ID Proof, Proof of Address
Mobile/App
Transfers
SMS/email
Notification
Loyalty Points
1,760 Reviews | Great
5
Dedicated one-on-one customer support
Great exchange rates, no transfer fees
USD
-
USD
Med
FCA
6
No minimum transfer amount
Good customer service
USD
-
USD
Med
FCA
7
Good fit for medium-large transfers
TrustPilot Best in “Money” category 2016
USD
-
USD
Med
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."

Brenda Neil - October 6, 2019

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

"WorldRemit is fast, convenient and offers better transfer rates than my bank. Have used them several times and would definitely recommend them!"

Jenny Foster - September 15, 2019

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

"Instarem is now my preferred way to transfer money overseas. Cost-effective, fast and very easy to use."

Martin P - September 29, 2019

Pros

  • Extremely well-priced money transfer services
  • Competitive exchange rates.
  • Fast transfer of currency, generally within one business day of funding the transfer
  • Fully regulated & licensed
  • Safe and secure money transfers

Cons

  • The least you need to transfer is $50
  • A transaction fee of 0.75% applies to all money transfer transactions from India.
  • Do not accept any cash, cheques or third-party payments.

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:

– FCA (Financial Conduct Authority), UK

– ASIC (Australian Securities and Investments Commission)

– FinCEN (Financial Crimes Enforcement Network), USA

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.