In today’s interconnected world, transferring money internationally has become commonplace. Whether you’re supporting family abroad, paying for services, or managing international business transactions, choosing the right money transfer service is crucial to ensure low fees, favorable exchange rates, and timely delivery. Based on recent analyses and expert reviews, here are the top international money transfer services in 2025 that offer low fees and reliable service.
Wise (formerly TransferWise)
- Fees: Transparent, low fees with real mid-market exchange rates.
- Best For: Bank-to-bank transfers and multi-currency accounts.
- Features:
- Transfers to over 70 countries.
- Fast delivery (0–2 business days).
- Regulated globally (FCA, FinCEN).
- Why Choose Wise: Wise is renowned for its transparent pricing model, ensuring you always know the exact fees and exchange rates upfront. It’s ideal for individuals and businesses seeking clarity and affordability in international transfers.
OFX
- Fees: No transfer fees for amounts over $1,000; competitive exchange rates.
- Best For: Large transfers and business payments.
- Features:
- Transfers to over 170 countries.
- 24/7 customer support.
- Currency risk management tools.
- Why Choose OFX: With over 25 years of experience, OFX offers a robust platform for large transfers, combining low fees with excellent customer service. (BestExchangeRates.com, Exiap)
WorldRemit
- Fees: Low fees; competitive exchange rates.
- Best For: Mobile money transfers and cash pickups.
- Features:
- Transfers to over 130 countries.
- Multiple delivery options: bank deposit, mobile wallet, cash pickup.
- Instant or same-day transfers.
- Why Choose WorldRemit: WorldRemit is a popular choice for sending small amounts of money, especially to countries in Africa, Asia, and Latin America, offering a variety of delivery methods.
Remitly
- Fees: Low fees for economy transfers; slightly higher for express transfers.
- Best For: Sending money to family and friends.
- Features:
- Multiple delivery options: bank deposit, cash pickup, mobile money.
- High transaction limits.
- Strong security measures.
- Why Choose Remitly: Remitly offers flexibility with its Economy and Express options, catering to both cost-conscious and time-sensitive transfers.
PaySend
- Fees: Flat low fees (often around $2 or less).
- Best For: Card-to-card transfers.
- Features:
- Transfers to over 100 countries.
- Instant delivery.
- User-friendly mobile app.
- Why Choose PaySend: PaySend simplifies the transfer process with its flat fee structure and quick delivery, making it ideal for straightforward card-to-card transactions.
Revolut
- Fees: Free transfers within monthly limits; discounts for premium accounts.
- Best For: Frequent travelers and expatriates.
- Features:
- Multi-currency accounts.
- Instant transfers between Revolut users.
- Additional banking features like budgeting and investing tools.
- Why Choose Revolut: Revolut offers a comprehensive financial platform, combining low-cost international transfers with a suite of banking features.
CurrencyFair
- Fees: Flat fee (~€3) plus a small margin on exchange rates.
- Best For: Peer-to-peer currency exchanges.
- Features:
- Transfers to over 150 countries.
- Option to set preferred exchange rates.
- Secure and regulated platform.
- Why Choose CurrencyFair: CurrencyFair’s unique peer-to-peer model can offer better exchange rates, especially for those willing to wait for a matching transaction.
Xe Money Transfer
- Fees: Low to no fees; competitive exchange rates.
- Best For: Wide coverage and large transfers.
- Features:
- Transfers to over 220 countries.
- Fast transfers, often within minutes.
- No maximum transfer limit.
- Why Choose Xe: With its extensive global reach and low fees, Xe is a reliable choice for both personal and business transfers.
