Sending money internationally has evolved drastically over the past few years. No longer do you have to deal with long lines at the bank, confusing paperwork, or sky-high fees. With the explosion of fintech innovation, international money transfer apps have become the go-to solution for millions. But with so many options out there, how do you find the best app for your specific needs in 2025?
Let’s take a deep dive into the best payment apps for international transfers, examining their fees, speed, security, and unique features — plus, I’ll share tips and tricks to save money and avoid common pitfalls.
Why Choose Digital Payment Apps for International Transfers?
Digital apps have revolutionized the way we send money abroad. Here are some reasons why millions are switching from traditional banks to mobile apps:
- Cost efficiency: Traditional bank wire transfers usually come with hefty fees and poor exchange rates. Payment apps often charge much less and use the real mid-market rate.
- Speed: Transfers that used to take several days can now happen in minutes or hours.
- Convenience: Send money from anywhere using your phone, no need for physical visits.
- Transparency: Most apps show you the exact fees and exchange rate before you confirm the transfer.
- Variety of payout options: Some apps offer bank deposits, mobile wallets, cash pickups, or even airtime top-ups.
- Extra features: Multi-currency wallets, budgeting tools, instant notifications, and loyalty rewards are common bonuses.
The Top Payment Apps for International Transfers in 2025
1. Wise (formerly TransferWise)
Why it’s a favorite: Wise offers the most transparent fees in the industry and uses the real mid-market exchange rate — no markups. That means you get a fair deal every time.
- Fees: Around 0.4% to 1%, depending on the currency and payment method.
- Speed: Usually 1–2 business days; some transfers are instant.
- Standout Feature: Multi-currency accounts allow you to hold, convert, and send money in over 50 currencies.
- Best for: Those who want predictability, fairness, and multiple currency management.
2. Remitly
Why it stands out: Remitly specializes in fast and flexible remittances with options for Express (fast but higher fees) and Economy (slower but cheaper) transfers.
- Fees: Vary by corridor and speed.
- Speed: Minutes with Express, 3-5 days with Economy.
- Standout Feature: Extensive cash pickup locations across many developing countries.
- Best for: Families and workers sending remittances home.
3. Revolut
Why users love it: Revolut is more than just a transfer app — it’s a full digital bank offering multi-currency wallets, crypto trading, and budgeting tools.
- Fees: Free transfers up to a monthly limit, then small fees apply.
- Speed: Instant or same-day transfers.
- Standout Feature: Ability to hold over 30 currencies and exchange at interbank rates.
- Best for: Tech-savvy users and frequent travelers.
4. Western Union
Why it’s still relevant: Western Union’s huge global agent network makes it the best choice for sending money where bank access is limited.
- Fees: Higher than some digital-only services but competitive for cash pickups.
- Speed: Minutes to hours for many transfers.
- Standout Feature: Supports cash pickups, bank deposits, and mobile wallet transfers worldwide.
- Best for: Remote recipients without bank accounts.
5. Xoom (PayPal service)
Why it’s convenient: Integrates seamlessly with PayPal, making it easy for PayPal users to send money abroad quickly.
- Fees: Vary but competitive.
- Speed: Minutes to hours.
- Standout Feature: Variety of payout options including cash pickups and mobile wallets.
- Best for: PayPal users and quick transfers.
6. WorldRemit
Why it’s popular: Known for fast, secure transfers with a strong presence in Africa and Asia, supporting multiple payout methods.
- Fees: Transparent, usually lower than traditional remittance services.
- Speed: Minutes.
- Standout Feature: Mobile wallet top-ups, airtime, and cash pickup options.
- Best for: Sending money to mobile wallets.
7. Sendwave
Why it’s unique: Offers no or very low fees on many transfers, focusing mainly on African and Asian corridors.
- Fees: Often zero fees.
- Speed: Instant or within hours.
- Standout Feature: Extremely easy-to-use interface with quick deposits.
- Best for: Sending small to medium amounts quickly.
8. Payoneer
Why businesses prefer it: Popular among freelancers, e-commerce sellers, and SMEs for cross-border payments and mass payouts.
- Fees: Competitive business-friendly fees.
- Speed: 1–3 business days.
- Standout Feature: Integration with marketplaces like Amazon and Upwork.
- Best for: Businesses and freelancers managing international payments.
Additional Noteworthy Apps to Consider
- Skrill: Offers prepaid cards linked to wallets and supports cryptocurrency transactions.
- OFX: Ideal for very large transfers with low fees.
- CurrencyFair: Peer-to-peer transfers that can sometimes beat bank rates.
- Nium: Enterprise-grade international payments, popular with large businesses.
How to Pick the Best App for Your Needs
Not all apps fit every user. Here’s how to choose:
- Consider your destination country and payout method: Cash pickup? Bank transfer? Mobile wallet? Check if the app supports your preferred way.
- Compare fees and exchange rates: Even small differences add up on large sums.
- Think about transfer speed: Need it ASAP or can you wait a couple of days?
- Look for additional features: Multi-currency wallets, budgeting, or rewards might be important.
- Check security and reputation: Look for apps regulated by financial authorities and with positive user reviews.
- Consider customer support: 24/7 multilingual support can be a lifesaver.
Money-Saving Tips for International Transfers
- Send larger amounts less frequently: Avoid multiple small transfers to reduce fixed fees.
- Use bank transfers rather than cards: Cards usually incur higher fees.
- Time your transfers: Exchange rates fluctuate; using rate alert tools can help you pick the right moment.
- Watch out for hidden fees: Always review the total cost before confirming.
- Use referral bonuses: Many apps offer rewards for inviting friends.
Security Considerations
With your money and personal data on the line, security is paramount:
- Look for encryption and secure protocols.
- Ensure two-factor authentication (2FA) is available.
- Choose apps that comply with regulatory bodies like FCA (UK), FinCEN (US), or others.
- Beware of phishing scams and always download apps from official sources.
What to Expect in the Future of International Transfers
The future looks exciting with advancements like:
- Blockchain and cryptocurrencies: Enabling near-instant, low-cost transfers.
- AI-powered fraud detection: Better protection against scams.
- Greater integration with digital wallets and banks: Streamlined financial ecosystems.
- More real-time payments: Reduced wait times globally.
- Improved user experience: Smarter apps with voice commands, biometrics, and augmented reality features.
Final Thoughts
International money transfer apps have reshaped how we send money globally. In 2025, they are faster, cheaper, safer, and more convenient than ever before. Whether you’re supporting family, paying invoices, or managing overseas investments, the right app can save you money and give peace of mind.
If I had to pick a single app for most users, Wise remains the standout for its transparent pricing and excellent exchange rates. But if speed or payout flexibility is your priority, apps like Remitly, WorldRemit, or Western Union may serve you better.
Bottom line: take your time, compare options, and pick the app that best matches your needs. Sending money internationally no longer has to be complicated or costly — the power is literally in your pocket.
FAQs
1. Can I use multiple apps for different countries?
Absolutely! Many people use different apps depending on the destination, fees, and transfer speed.
2. Are these apps regulated?
Yes, most reputable apps comply with financial regulations and operate under licenses in various countries.
3. What’s the safest way to send money internationally?
Use established apps with strong encryption, two-factor authentication, and good reputations.
4. Can I cancel a transfer once sent?
Usually no, once the money is transferred, it cannot be reversed. Always double-check before confirming.
5. Do these apps charge for receiving money?
Most don’t charge recipients, but some payout methods (like cash pickup) might have fees.
