Top Money Transfer Services - US

All listed services are safe & regulated
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
Ideal for transferring home
1
Transfer Fees: Low
Score
9.8
Low fees: 0-$1, no minimum transfer
Instant cash pickup & airtime top-ups
i
USD
GHS
Low Charges
USD
INR
Low Charges
2
Transfer Fees: Low
Score
9.5
Fee-free overdraft up to $200
Over 60k fee-free ATMs
i
USD
USD
Low Charges
Best for transfers within USA
3
Transfer Fees: Low
Score
9.2
Pay in seconds to friends & family
Fee-free on transactions within the US
i
USD
USD
Low Charges
4
Transfer Fees: Low
Score
8.8
Same day express transfers
i
USD
MXN
Med Charges
5
Transfer Fees: Med
Score
8.4
No fees on transfers over £/$/€250
i
USD
CAD
Med Charges
6
Transfer Fees: Med
Score
8.2
Offers travel card on Google wallet
i
USD
EUR
Med Charges
7
Transfer Fees: Med
Score
8
1st Transfer Bonus
i
USD
INR
High Charges

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.

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
Ideal for transferring home
1
Low fees: 0-$1
Instant cash pickup & airtime top-ups
Minimum transfer: none
Can send money to over 130 countries
USD
GHS
Low
USD
INR
Low
USD
MXN
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
2
Fee-free overdraft up to $200
Chime® Credit Builder Card
Over 60k fee-free ATMs
USD
USD
Low
9.5 Review
FDIC
Time to open account
2-minute signup
Sending Options
Credit/Debit Card
SpotMe
Max transfer amount
$10k/day or $25k/month
Min transfer amount
none
Required Documents
ID, Proof of Address
24/7 Live Support
Credit Builder
SpotMe
8251 Reviews |
Best for transfers within USA
3
Fee-free on transactions within the US
Pay in seconds to friends & family
USD
USD
Low
9.2 Review
FCA (UK), ADI (AU)
Time to open account
A few minutes
Sending Options
Credit/Debit Card
PayPal Balance
Bank Account
Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Domestic &
International
Send & Request
Money
Earn
Rewards
23,896 Reviews |
4
No minimum transfer amount
Door to door cash delivery option
USD
MXN
Med
FCA
Time to Open Account
A few minutes
Sending Options
Credit/Debit Card
Bank Account
Receiving Options
Bank Deposit
Cash Pickup
Mobile Money
Home Delivery
Required Documents
Bank statements, ID Documentation
Mobile
Transfer
Phone
Support
Two-Factor
Authentication
5
No fees on transfers over £/$/€250
Transfer speed: 1-2 hours
USD
CAD
Med
FCA, FinCen, ASIC
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
49,571 Reviews | Excellent
6
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
7
1st Transfer Bonus
Transfer speed: usually instant or same day
USD
INR
High
ASIC (AU)
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

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.