Top Money Transfer Services - US
Instant cash pickup & airtime top-ups
Over 60k fee-free ATMs
Fee-free on transactions within the US
Advertiser Disclosure
Advertiser Disclosure
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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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Ideal for transferring home
1
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Low fees: 0-$1
Minimum transfer: none
Instant cash pickup & airtime top-ups
Can send money to over 130 countries |
USD
GHS
Low
USD
INR
Low
USD
MXN
Low
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FCA
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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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2
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Fee-free overdraft up to $200
Chime® Credit Builder Card
Over 60k fee-free ATMs |
USD
USD
Low
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9.5
Review
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FDIC
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Time to open account
2-minute signup
Sending Options
Credit/Debit Card
SpotMe Max transfer amount
$10k/day or $25k/month
Min transfer amount
none
Required Documents
ID, Proof of Address
24/7 Live Support
Credit Builder
SpotMe
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Best for transfers within USA
3
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Fee-free on transactions within the US
Pay in seconds to friends & family |
USD
USD
Low
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9.2
Review
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FCA (UK), ADI (AU)
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Time to open account
A few minutes
Sending Options
Credit/Debit Card
PayPal Balance Bank Account Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Domestic &
International
Send & Request
Money
Earn
Rewards
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4
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Pay & get paid with a global account
Transfer Money in 55+ Currencies |
USD
AUD
Med
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FCA, ASIC
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Time to Open Account
A few minutes
Sending options
Wire Transfer
Debit Card Receiving Options
Bank Account
Required Documents
ID Card, Proof of Address
Local Account
Solutions
Mobile
Transfers
Locked-in
Exchange Rates
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5
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No minimum transfer amount
Door to door cash delivery option |
USD
MXN
Med
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FCA
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Time to Open Account
A few minutes
Sending Options
Credit/Debit Card
Bank Account Receiving Options
Bank Deposit
Cash Pickup Mobile Money Home Delivery Required Documents
Bank statements, ID Documentation
Mobile
Transfer
Phone
Support
Two-Factor
Authentication
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6
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No fees on transfers over £/$/€250
Transfer speed: 1-2 hours |
USD
CAD
Med
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FCA, FinCen, ASIC
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Time to Open Account
A few minutes
Sending Options
Credit Card
Debit Card ACH Direct Debit (US Only) Bank Account Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Money Transfer
Tracking
Live
Rates
Advanced
Currency Solutions
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7
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Offers travel card on Google wallet
Holds more than 50 currencies |
USD
EUR
Med
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FCA
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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
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8
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1st Transfer Bonus
Transfer speed: usually instant or same day |
USD
INR
High
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ASIC (AU)
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Time to Open Account
A few minutes
Sending Options
ACH/Direct Debit
Debit/Credit Card Wire Transfer Bank Account Mobile App Receiving Options
Debit/Credit Card
Wire Transfer Cash pickup Bank transfer Mobile money Required Documents
ID Proof, Proof of Address
Money Transfer
Tracking
SMS/email
Notification
Bonuses &
Rewards
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Latest Reviews
"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
"Chime helps me with building my credit. When I need a boost until my check get here Chime has me covered. Chime also has it where I can have my money either in savings, checking's, or credit part and if I do go negative, Chime doesn't take the money from my savings portion like most banks do".
Pros
- Get paid up to 2 days early with direct deposit
- Fee-free overdraft up to $200
- Chime® Credit Builder Card
- Over 60k fee-free ATMs
- 24/7 live support, with a real human
- No unnecessary fees
Cons
- No cash deposits
- No physical ATM locations
- Max transfer amount: $10k/day or $25k/month
"PayPal is Incredibly Effective, it works to send money to friends & family easily and I don't have to worry about account restrictions like banks".
Pros
- PayPal does not charge a fee, either to the sender or recipient within the US or in USD
- Transfer easily: type a name, email or phone number and PayPal will find the right person for you if they have an account
- You can add a personalized note (with animations, stickers, emojis, and more) when sending money on the App
- It’s free and secure to send money or ask for it back from friends and family in the US
Cons
- Both sender and recipient must have PayPal accounts
- If the funds are coming from a credit card, debit card, or PayPal Credit, the platform charges 2.9% of the transaction, plus 30 cents
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.