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Which transfer service are you looking for?
Transfer Purpose
Currency Sent
Currency Received
Which transfer service are you looking for?
Transfer Purpose
Currency Sent
Currency Received
1
Best For Transfers Abroad
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.8
XE
Our Best Choice
Transfer directly from your bank account
130+ Foreign Currencies
Low fees, bank-beating exchange rates
No min or max transfer limits
Minimum transfer time: in minutes
Expert, local support for larger transfers
Over 577 peoplevisited this site today
2
Ideal For Domestic Transfers
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.7
SoFi® Checking & Savings
Transfer money easily and safely
$0 fees for P2P and Zelle® payments
Set up automatic transfers
Easy access w/ all-in-one mobile app
3
9.0
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.7
Brand Reputation
Based on web trends
9.6
OnePay Cash Global Transfers
Send funds directly from the OnePay app, powered by Moneygram
Send money to 140+ countries, including Mexico, India, the Philippines and more
Minimum transfer: None
Transfer time: Cash pickup ready in minutes¹
4
8.5
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.1
Brand Reputation
Based on web trends
9.3
OFX
Global transfer with attractive exchange rates
$0 transfer fees
No transfer limit
24/7 online platform
5
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.4
Brand Reputation
Based on web trends
9.6
Remitly
Affordable transfers & 24/7 customer support
Top exchange rates, low fees
Minimum transfer: None
Transfer time: Instant-5 business days
6
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.8
Brand Reputation
Based on web trends
9.7
Western Union
Suitable for everyday transfers, including in the U.S.
$0 fee for your first online transfer
Instant transfers in 200+ countries
Build credit while sending money w/ Credit Builder
7,722 people
used BestMoney to find a provider last week.
BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Must Reads
Our Best Overall Choice
1
Best For Transfers Abroad
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.8
XE
Our Best Choice
Transfer directly from your bank account
130+ Foreign Currencies
Low fees, bank-beating exchange rates
No min or max transfer limits
Minimum transfer time: in minutes
Expert, local support for larger transfers
Over 577 peoplevisited this site today
FAQs About Money Transfer
What is the cheapest way to transfer money abroad from the USA?
Typically, using an online money-transfer specialist that offers transparent fees and mid-market exchange rates is the cheapest way. Many banks charge more.
How long does it take when I wire money abroad online?
It depends on the destination, funding method, and payment/delivery method. Some transfers arrive within minutes; others (especially bank-to-bank “wire money abroad”) may take 1–2 business days.
Can I send money internationally without a bank account?
Yes, via e-wallets or cash-pickup services in some destinations, you can still fund your transaction using a bank/debit card in the USA, and the recipient collects via wallet or an agent.
Why do I see different fees when I send money internationally?
Fees vary depending on the destination country, the method of payment (bank, card, e-wallet), the recipient's method of receipt, the amount sent, and the provider’s policies.
Is it safe to send money internationally online?
Yes, it is generally safe when using licensed and regulated money transfer services. Ensure the provider utilizes encryption, adheres to compliance standards, and provides fraud protection. Always double-check the recipient's details to avoid misdirected transfers.
What is an online international money transfer?
Online international money transfer refers to using digital services to send funds from your bank account or card in the USA to a recipient’s bank account, e-wallet, or cash pickup location abroad. Instead of moving paper currency, you are initiating a data-driven currency transfer that affects changes in account balances across borders. Because the service is digital, it can be much faster and more convenient than traditional bank wire transfers.
Sending money internationally online is now widely used because it eliminates the need for trips to bank branches or wire centers. With a computer or smartphone, you can transfer money overseas to people, companies, merchants, and banks around the world.
What about sending money within the USA?
Sending money domestically is often even faster and cheaper than international transfers. Most U.S.-based transfer services support quick peer-to-peer (P2P) payments through bank transfers, mobile apps, or debit cards. These transactions typically complete within minutes, especially when using services like Zelle, Venmo, or Cash App. Domestic transfers often have fewer compliance checks and typically don't involve currency conversion, making the process simpler and more cost-effective.
Our top 3 money transfer companies
Company | Transfer Time | Explore |
|---|---|---|
 | In minutes | |
 | In minutes via Zelle® | |
 | Cash pickup ready in minutes¹ |
Why transferring money abroad online matters today
Globalization means that more families, workers, and freelancers send funds from the USA to other countries for support, services, or business purposes.
Traditional bank wires for overseas transfers have higher fees and worse exchange-rate mark-ups compared to specialist services.
Specialist digital platforms offer better transparency, lower costs, and faster delivery times, making money transfer overseas more affordable and accessible.
Because consumers raise concerns about hidden fees, delays, and a lack of clarity, services that clearly display costs, transfer times, and delivery options win trust.
How does online currency transfer or sending money internationally work?
Even though many layers operate behind the scenes, the basic process is straightforward:
You open or log into an account with a money-transfer provider.
You initiate a transfer: fund it via bank account, debit card, or credit card in the USA.
You enter the recipient’s details (bank account or e-wallet, or cash-pickup location abroad).
The service converts the USD into the target currency (if applicable) and instructs the transfer network to deliver funds.
The recipient receives the money in their local currency at their bank, e-wallet, or cash pickup point.
Because all this is done digitally, wire money abroad via online platforms can often arrive in minutes or hours — though bank-based routes may still take 1–2 days or more.
| | Best for transfers abroad |  CHECK RATES |
Fees, exchange rates and delivery options explained
Cost is often where people get surprised. For international money transfer, the total cost includes more than a simple fixed fee:
The provider’s transaction fee (which might vary by amount, funding method, or destination).
The exchange-rate margin or currency conversion cost (how far the rate deviates from the mid-market rate).
Delivery method impact: e.g., bank account deposit, e-wallet, cash pickup may incur different charges.
Funding method: Paying with a credit card tends to cost more than using a bank debit or account transfer.
The key factors that determine cost are:
Which company do you use (bank vs specialist online transfer provider)?
How much money are you transferring?
Where are you sending (destination country, currency)?
How are you sending (funding method, delivery method)?
Compare With BestMoney.com, Choose the Best for You
At BestMoney.com, we understand the importance of making informed financial decisions. Our team of financial experts and editors conducts thorough research across lending, banking, home loans, personal finance, and insurance to provide you with comprehensive comparisons and insights. We continually update our content to reflect the latest market trends and offerings, ensuring you have access to current and reliable information.
We offer a wide range of services, including detailed comparison tools and expert reviews, all designed to meet your specific financial needs. Our mission is to empower you to make confident, well-informed choices that help you achieve your financial goals.
Typical time frames for sending money internationally
Transfer speed varies with method:
Online transfers funded via card to e-wallet or cash pickup can be almost instantaneous or take a few minutes.
Depositing funds into a bank account abroad may take 1–2 business days, although it may sometimes take longer due to international routing, time zone differences, or additional compliance requirements.
Bank wires are generally slower because of intermediary banks and strict anti-fraud measures.
Thus, if you need to send money internationally quickly, choose a service that offers rapid delivery and clearly states the expected arrival time.
How much money can you transfer abroad?
Most online transfer services in the USA impose limits for regulatory, risk, and compliance reasons. Typical features:
A maximum dollar amount per transfer, or per day/month.
A limit may be higher if you have a verified account or frequently use the service.
For large sums, you may be required to provide additional verification documentation
| | Ideal for domestic transfers | CHECK RATES |
If one company offers better rates and another offers faster transfers, you can use each one to suit your needs for each particular money transfer. Just because you start out using one company doesn’t mean you can’t switch to a different company or use 2 simultaneously. Remember, you’re paying for the service, so you deserve to get the most out of it.
Where can you send money internationally?
Virtually anywhere — today’s online transfer services enable sending money abroad to:
Bank accounts in recipient countries
E-wallets or mobile wallets
Cash-pickup locations
This flexibility is particularly helpful when recipients lack bank accounts or when you’re supporting someone living abroad, working remotely, or sending funds from the USA to their home country.
How to choose the best provider for your international money transfer
Selecting the right service for your needs involves a few steps. After reading unbiased reviews, you should compare the following:
Rates and fees: Look for transparent fee structures and exchange rates that closely approximate the mid-market rate.
Speed and delivery options: Decide whether you prioritise the lowest cost or the fastest delivery.
Security and licensing: Ensure the company is regulated and uses strong security protections (encryption, identity verification).
User experience and customer support: Ease of use, mobile app, tracking, and support are key considerations.
Key Insights
- Online money transfer is increasingly replacing traditional wire methods due to speed, convenience, and lower costs.
- Sending money abroad requires understanding the fees, exchange rates, speed, and delivery method options available.
- Domestic transfers in the USA are typically faster and more straightforward due to reduced regulation and the absence of currency exchange
- Using specialist providers can save money, especially on currency transfer markups and international delivery fees.
Western Union Disclosure
*Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options.
Chime® Disclosure
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.,Members FDIC.
OnePay Disclosure
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
1. Subject to agent operating hours and compliance with regulatory requirements.