Top 10 Best International Money Transfer Apps 2023 [Reivew]


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Top 10 Best International Money Transfer Apps

In this quick review, we’ll share with you our ranking of the top 10 best international money transfer apps for 2023. Not quite long, we’ve shared with you the best apps to save money in Nigeria as well.

When it comes to sending money aboard, it doesn’t have to be difficult and expensive to send money internationally. Sending money to friends and family abroad is simple and affordable, thanks to several international money transfer apps.

The top international money transfer apps are compared and contrasted in this blog post so you can pick the one that’s best for you. We’ll take fees, exchange rates, transfer times, and coverage when forming our recommendations.

What Are Money Transfer Apps?

Peer-to-peer (P2P) money transfer apps, often known as money transfer apps, enable you to send and receive money between people or entities quickly, easily, inexpensively, and securely.

These applications simplify money transfers and offer the ease of linking your bank account or credit card to an electronic wallet. You may easily make payments and conduct electronic transactions on your mobile device with a few touches.

The best international money transfer apps provide safe money handling without any additional costs, in addition to having excellent app store ratings.

They are adaptable enough to meet particular customer needs, which can include everything from enabling global transactions and social features to giving users a full digital wallet experience and more.

Top 10 Best International Money Transfer Apps

So, here’s our review of the top 10 best money international money transfer apps.

  • Remitly – Our Pick
  • WorldRemit
  • Wise
  • PayPal
  • OFX
  • Venmo
  • MoneyGram
  • Revolut
  • Zelle
  • MetaPay

Now, let’s take each platform one after the other:

1. Remitly

Top money transfer apps - Remitly

Remitly takes the first spot on our list of top international money transfer apps. It is a quick and safe money transfer app that supports transfers to over 3,000 banks and 350,000 locations worldwide for cash pickup. Bancoppel, BDO, Banreservas, GT Bank, Bank Alfalah, Polaris Bank, ICICI, MCB, and other reputable bank names are just a few examples.

You can use your bank account, credit card, or debit card to send money internationally. Remitly offers real-time transfer updates and guaranteed delivery times; recipients can pick up their money for free.

Because of its customer service, lack of hidden costs, and offers, Remitly has an overall rating of 4.9 stars on the Apple app store. The platform has a dedicated customer support team available around the clock to assist you in English and Spanish.


  • Multiple layers of security
  • No fees for receiving money
  • Network coverage of 150+ countries
  • 24/7 customer care support


  • Competitive exchange rates and low fees.
  • Fast transfer options, including Express and Economy.
  • User-friendly mobile app and website.
  • Offers cash pickup and mobile wallet options.
  • Supports a wide range of countries and currencies.


  • Limited support for certain countries and regions.
  • Fees may vary depending on the transfer method and destination.
  • Not as well-known as some other transfer services.

Related: Top 10 Best Loan Apps in Nigeria – Review

2. WorldRemit

best international money transfer apps - WordRemit

In addition to mobile wallet transfers, bank deposits, and cash pickup locations, WorldRemit also provides services for international money transfers. The app allows you to send money almost instantly and supports more than 70 different currencies.

You must first download the WorldRemit app and create an account with your email address to get started. You can then start sending and receiving money abroad. You can pay the transferred funds with a bank account or a debit/credit card.

You can instantly transfer money from your bank account to the recipient’s using WorldRemit. Using the platform’s mobile money feature, you can store money on your mobile phone. It is a secure and convenient way to send money, pay fees and bills, and make payments. 


  • Mobile airtime top-up feature
  • Money transfer network support in 150 countries
  • Low-cost transfer fee
  • 24/7, 365 days customer support


  • Wide variety of transfer options, including bank deposits, cash pickups, and mobile wallets.
  • Competitive exchange rates and transparent fees.
  • User-friendly app and website.
  • Supports many countries and languages.
  • Cash pickup is available at numerous locations.

Also Read: Top 10 Best Live Streaming Apps

3. Wise

Wise is a fintech business that has become well-known for its inexpensive services for international money transfers. You can send money to over 170 countries in over 50 different currencies using the Wise app and a small exchange rate fee.

It’s simple to register on Wise. You can sign up online or download the Wise App for free on their website. You must enter the recipient’s bank account information and pay via an ACH, wire transfer, or debit/credit card to send money. The recipient can follow the payment using the Wise payment transfer link after the amount transfer has been started.

Wise provides users with Borderless accounts and the standard money transfer service, which they can use to store money. 


  • 50 currencies supported
  • Transfer network of 170+ countries
  • Two-factor authentication
  • Integration with Amazon, Stripe, and Xero


  • True mid-market exchange rates with minimal markup.
  • Low and transparent fees.
  • Multi-currency account options.
  • Borderless account for receiving money in different currencies.
  • Highly user-friendly app and website.


  • Limited options for cash pickup.
  • May not support all countries or currencies.
  • May have slower transfer times for certain routes.


  • Fees can vary depending on the transfer method.
  • Exchange rates may sometimes be better.
  • Some users report occasional delays in transfers.

Related: Top 10 Best Online Shopping Apps In South Africa

4. PayPal

best international money transfer apps - PayPal

Over 400 million users trust PayPal, one of the most used apps for money transfers. You can find it in most online shopping apps’ checkout procedures or when making online bill payments. PayPal’s anti-money laundering and know-your-customer policies ensure that international money transfers are secure.

With PayPal, transferring money is simple to get started. On PayPal’s official website, you must create an account and add a funding source, such as a bank or credit card. You can send and receive money internationally once the online verification is complete.

PayPal automatically converts the sum being sent internationally from your currency to the recipient’s currency using the exchange rate in effect at the time. 


  • Supports ACH Payments and eCheck Processing
  • Secured Two-Factor Authentication
  • CountryPCI Regulation Compliance
  • eCommerce Management
  • Multi-Period Recurring Billing Option


  • Widely accepted and recognized worldwide.
  • Easy to use and convenient for online purchases.
  • Supports transfers to and from various countries.
  • Offers buyer and seller protection.


  • Higher fees compared to some dedicated money transfer services.
  • Exchange rates may be less favorable.
  • Limited options for sending cash.

Related: 5 Best Apps to Buy Gift Cards Online in Nigeria

5. OFX

OFX is an Australian-owned financial services provider that enables users to send money abroad. OFX is used to send money in more than 170 countries by more than a million users.

Both a mobile app and an online platform are accessible. OFX is a profitable choice for sending money abroad because it provides competitive exchange rates and lower fees.

Additionally, it offers features like limit orders, rate charts, price alerts, forward contracts, and stock market commentary. OFX complies with regulatory frameworks to protect customer transactions and uses cutting-edge security protocols and end-to-end encryption techniques.


  • Support 50+ currencies
  • Transfer network of over 170 countries
  • Easy transfer tracking
  • Lower fees as compared to banks
  • 24/7 global customer support


  • Excellent exchange rates, especially for larger transfers.
  • No transfer fees for most transactions.
  • Dedicated customer support for assistance.
  • Suitable for both individuals and businesses.
  • Transparent fee structure.


  • It May be less competitive for small transfers.
  • Limited options for cash pickup.
  • May require additional documentation for verification.

6. Venmo

apps to transfer money abroad - Venmo

A social payment app called Venmo enables users to send and receive money. You can transfer money to friends and family members anywhere in the world, split bills, and pay utilities. 

The social feed component of Venmo is one of its unique features. Users can view and comment on their friends’ transactions depending on the privacy settings. Thanks to the social feed and descriptions, this payment app has a social networking component.

It is a well-liked money transfer app among young people due to its user-friendly interface and social networking capabilities.

In addition, Venmo offers users a physical debit card they can use just like a regular bank debit card. End-to-end encryption and contemporary fraud prevention techniques like two-factor authentication are used in its security.


  • ACH Payment Processing
  • Partial Payments feature
  • Offers Venmo debit and credit card
  • Free to send money compared to credit cards


  • Quick and easy peer-to-peer transfers among friends.
  • No fees for standard bank transfers.
  • Social features for sharing payments and expenses.


  • Limited international transfer capabilities.
  • Not suitable for large or formal international transactions.
  • Privacy concerns due to social features.

Also Read: Top 10 Best Online Payment Apps in Nigeria

7. MoneyGram

MoneyGram offers financial services through its digital platforms and physical locations, such as money transfers and other products worldwide. Users can send money across borders and pay for purchases abroad at fair exchange rates.

Apps from MoneyGram make it simpler to transfer money. Before you conduct money transfer transactions, it offers a feature to estimate the transfer fees.

Over 13,000 businesses are listed on the app for paying your bills. Additionally, you can schedule required automatic recurring money transfers. Thanks to a newly launched feature, you can now buy, sell, and hold cryptocurrency using the MoneyGram app.


  • Money transfer services in 200+ countries
  • Dedicated iOS and Android app
  • 24/7 online activity monitoring security
  • Biometric login


  • Extensive global network for cash pickups.
  • Fast transfer options available.
  • Offers a variety of transfer methods.
  • Recognized brand.


  • Higher fees compared to some other services.
  • Exchange rates may not be the most competitive.
  • Limited digital options for sending money.

8. Revolut

Revolut is a financial services provider app established in 2015 to streamline difficult financial transactions. The app provides various financial services, such as online merchant payments, cryptocurrency investment options, stock trading, insurance, and tools for managing money.

Revolut’s app allows you to send money to reputable bank accounts in other countries via an international transfer feature. It offers both standard and express transfer speeds and competitive exchange rates.


  • Smart budgeting features
  • Inbuilt stock trading feature
  • Low fees on international transfers
  • Clean UI interface


  • Competitive exchange rates with no hidden fees.
  • Multi-currency accounts and cards.
  • Easy-to-use mobile app.
  • Offers additional financial services.


  • Limited to certain regions and countries.
  • Some fees may apply for premium features.
  • Not suitable for large international transfers.

Also Read: Top 10 Best Forex Trading Apps

9. Zelle

Top international money transfer apps - Zelle

An app called ZellePay transfers money between American bank accounts most frequently. It’s a simple app; chances are good that it will be accessible in your mobile banking app if your bank or credit union integrates with Zelle. 

After signing up for the Zelle app, you can send or receive money using your American mobile number or the recipient’s email address. Both individual consumers and proprietors of small businesses can conduct daily business using the app. There are no fees associated with sending or receiving money through Zelle.


  • Split Payments
  • Widespread availability in the United States
  • Integrations with many banks
  • Free and secure


  • Instant transfers between U.S. bank accounts.
  • No fees for standard transfers.
  • Integrated with many major banks and financial institutions.


  • Limited to domestic transfers within the United States.
  • Both sender and receiver need a U.S. bank account.
  • Limited international capabilities.

10. Meta Pay

Facebook’s payment system, formerly Facebook Pay, is now called Meta Pay. Payments from Facebook, Instagram, and WhatsApp Messenger are simple and secure.

Meta Pay is simple to set up and use. Simply add your preferred payment method once on Facebook, and you can connect it across Instagram without entering your payment information again. The platform is more secure because its anti-fraud technology can spot unauthorized activity.

One unique aspect of Meta Pay is making payments directly from Instagram without leaving the application.


  • In-built social media platform payment
  • Anti-fraud security technology 
  • Biometric login
  • Fast customer support


  • Convenient for sending money via Facebook and Messenger.
  • Supports a variety of payment methods.
  • Secure transactions with encryption.


  • Limited to transactions within the Facebook ecosystem.
  • May not be suitable for larger international transfers.
  • Limited international reach.

Related: Top 10 Best Free Accounting Software for Small Business

International Money Transfer Apps (Conclusion)

In conclusion, the world of international money transfers has seen remarkable advancements in recent years, and many options now exist to cater to the diverse needs of global citizens. After thoroughly reviewing the top 10 international money transfer apps, one app stands out as the preferred choice: Remitly.

Remitly offers a comprehensive solution for international money transfers that aligns perfectly with the original, helpful, reliable, and human-friendly criteria.

Its user-friendly interface ensures a hassle-free experience for both new and seasoned users. The app’s commitment to transparency and competitive exchange rates ensures that your hard-earned money reaches its destination with minimal fees and maximum value.

One of the key factors that sets Remitly apart is its dedication to customer satisfaction. With 24/7 customer support and a user-centric approach, they ensure you’re never alone during your money transfer journey.

Whether you’re sending money to family members abroad, supporting friends in need, or managing international business transactions, Remitly offers a secure and efficient platform.

In an era where speed, security, and affordability are paramount, Remitly has become the preferred app for international money transfers. So, if you’re looking for an original, helpful, reliable, and human-friendly solution to send money across borders, look no further than Remitly.

Your financial world just got a lot smaller, and your connections to loved ones across the globe just got a whole lot stronger with Remitly at your fingertips.

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