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Last updated: Mar 2026

Compare. Choose. Send.

Find the best international money transfer service
Service
Features
Currency Pairs  info-icon-white-tal&&&SEP&&&-1772552879.svg
Score
Regulation  info-icon-white-tal&&&SEP&&&-1772552879.svg
Transfer Money Now
1
Best for Large Transfers

Exclusive rates for high-value transactions in major currencies

  • green-check-mt10&&&SEP&&&-1771514023.svg Personalized support for high-value clients
  • green-check-mt10&&&SEP&&&-1771514023.svg Advanced encryption for secure transfers
  • green-check-mt10&&&SEP&&&-1771514023.svg Over 58K ‘Excellent’ Trustpilot reviews

More Information plus-800&&&SEP&&&-1771505797.svg Less Information minus-800&&&SEP&&&-1771505797.svg

  • USD two-arrows&&&SEP&&&-1771505211.svg CAD low&&&SEP&&&-1771505211.svg
  • USD two-arrows&&&SEP&&&-1771505211.svg GBP low&&&SEP&&&-1771505211.svg
  • USD two-arrows&&&SEP&&&-1771505211.svg EUR low&&&SEP&&&-1771505211.svg
FinCEN, FCA, ASIC
Time to Open Account

Up to 3 minutes

Sending Options
  • Bank account
  • Debit or credit card
  • ACH (US only)
  • Wire transfer
Receiving Options
  • Bank account (up to 3 days)
  • Mobile wallet (deposited in minutes)
  • Cash pickup
Required Documents
  • Photo ID
  • Proof of address
83,421 Reviews 

check-filled-circle-green&&&SEP&&&-1769940713.svg Mobile transfer

check-filled-circle-green&&&SEP&&&-1769940713.svg Bank- beating rates

check-filled-circle-green&&&SEP&&&-1769940713.svg Phone support

2

No transfer limits & zero fees

  • green-check-mt10&&&SEP&&&-1771514023.svg No-fee transfers, great exchange rates
  • green-check-mt10&&&SEP&&&-1771514023.svg Fast, reliable global transactions
  • green-check-mt10&&&SEP&&&-1771514023.svg 24/7 expert customer support

More Information plus-800&&&SEP&&&-1771505797.svg Less Information minus-800&&&SEP&&&-1771505797.svg

  • USD two-arrows&&&SEP&&&-1771505211.svg CAD low&&&SEP&&&-1771505211.svg
  • USD two-arrows&&&SEP&&&-1771505211.svg SGD low&&&SEP&&&-1771505211.svg
  • USD two-arrows&&&SEP&&&-1771505211.svg EUR low&&&SEP&&&-1771505211.svg
FCA, ASIC
Time to Open Account

Up to 5 minutes

Sending Options
  • Bank account
  • Wire transfer
  • Debit card
Receiving Options
  • Bank account
Required Documents
  • ID
  • Address
  • Additional verification for business accounts
11,200 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg Bank-beating rates

check-filled-circle-green&&&SEP&&&-1769940713.svg Secure platform

check-filled-circle-green&&&SEP&&&-1769940713.svg No hidden fees

3
For Business Only

Multi-Currency Wallet

  • green-check-mt10&&&SEP&&&-1771514023.svg Global payments for growing businesses
  • green-check-mt10&&&SEP&&&-1771514023.svg Same-day international transfers to 120+ countries

More Information plus-800&&&SEP&&&-1771505797.svg Less Information minus-800&&&SEP&&&-1771505797.svg

  • USD two-arrows&&&SEP&&&-1771505211.svg GBP low&&&SEP&&&-1771505211.svg
  • USD two-arrows&&&SEP&&&-1771505211.svg EUR low&&&SEP&&&-1771505211.svg

9.1

ASIC, FCA, SFC, FINTRAC
Time to Open Account

Same-day international transfers 

Sending Options
  • Bank account
Receiving Options
  • Bank account
  • Airwallex global account
Required Documents
  • Certificate of incorporation
  • ID and authorization of UBO
  • Supporting business documents
2,299 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg Corporate cards

check-filled-circle-green&&&SEP&&&-1769940713.svg Fast setup

check-filled-circle-green&&&SEP&&&-1769940713.svg Competitive FX rates

4

Trusted by millions for global transfers

  • green-check-mt10&&&SEP&&&-1771514023.svg No fee on your first transfer
  • green-check-mt10&&&SEP&&&-1771514023.svg Door-to-door cash delivery

More Information plus-800&&&SEP&&&-1771505797.svg Less Information minus-800&&&SEP&&&-1771505797.svg

  • USD one-arrow&&&SEP&&&-1771505211.svg MXN low&&&SEP&&&-1771505211.svg
FCA
Time to Open Account

3 min

Sending Options
  • Credit/Debit card
  • Bank account
Receiving Options
  • Bank deposit
  • Cash pickup
  • Mobile money
  • Home delivery
Required Documents
  • Bank statements
  • ID documentation
105,124 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg Mobile transfer

check-filled-circle-green&&&SEP&&&-1769940713.svg Phone support

check-filled-circle-green&&&SEP&&&-1769940713.svg Two- Factor authentication

5

Great for sending gifts & paying bills

  • green-check-mt10&&&SEP&&&-1771514023.svg Send money to over 130 countries
  • green-check-mt10&&&SEP&&&-1771514023.svg Instant cash pickup and mobile top-ups
  • USD two-arrows&&&SEP&&&-1771505211.svg MXN med&&&SEP&&&-1771505211.svg
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
93,865 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg Mobile/ app transfers

check-filled-circle-green&&&SEP&&&-1769940713.svg Social media support

check-filled-circle-green&&&SEP&&&-1769940713.svg SMS/ email notification

6

Instant, low-fee transfers from your phone

  • green-check-mt10&&&SEP&&&-1771514023.svg Cash pickup available in 60+ countries
  • green-check-mt10&&&SEP&&&-1771514023.svg Send from $1 to most destinations
  • USD one-arrow&&&SEP&&&-1771505211.svg PHP med&&&SEP&&&-1771505211.svg

8.4

FCA, FinCEN
Time to Open Account

Just minutes

Sending Options
  • Bank deposit
  • Mobile wallet
  • Cash pickup
Receiving Options
  • Bank pickup at Access
  • Zenith branches
Required Documents
  • ID
23,539 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg Cash pickup

check-filled-circle-green&&&SEP&&&-1769940713.svg Mobile app

check-filled-circle-green&&&SEP&&&-1769940713.svg 24/7 customer support

7

Send funds directly from the OnePay app, powered by Moneygram

  • green-check-mt10&&&SEP&&&-1771514023.svg Send money to 140+ countries
  • green-check-mt10&&&SEP&&&-1771514023.svg Clear transfer rates and cash pickup 
  • USD two-arrows&&&SEP&&&-1771505211.svg GBP med&&&SEP&&&-1771505211.svg

8.2

FCA, FDIC
Time to Open Account

Instant upon app download

Sending Options
  • Global Transfers via Cash Control in-app
Receiving Options
  • Bank deposit
  • Cash pickup
  • Mobile wallet transfer
  • Send to debit card
  • Home delivery
Required Documents
  • Government-issued ID
  • Transaction’s reference number 
1,344 Reviews

check-filled-circle-green&&&SEP&&&-1769940713.svg High-yield savings

check-filled-circle-green&&&SEP&&&-1769940713.svg Secure

check-filled-circle-green&&&SEP&&&-1769940713.svg Simple
in-app process

How to Compare Money Transfer Services

Top5MoneyTransfer recommends checking the following features when comparing online money transfer companies to help you find the best provider for your international transfer.

1

Safety

Check your chosen money transfer provider is regulated by a government authority to ensure your money is safe and protected when transferred. The main regulators include:

– FinCEN (Financial Crimes Enforcement Network), USA

– FCA (Financial Conduct Authority), UK

– ASIC (Australian Securities and Investments Commission)

1

Fees & Rates

Some money transfer services charge a fixed transaction fee, while others take a percentage of the transfer amount, and some services remove the transfer fee completely. The conversion rate is another key cost factor, and therefore poses another important pricing component to review closely. Use the information above to identify the most cost-effective solution for your transfer.

1

Customer Support

Check the customer support channels available and ensure they are convenient for you. These generally include email, online chat, phone call support, or an 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.

1

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.

1

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 are better suited for small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.