Our Top Money Transfer Services - Sept. 2025
Find the best international money transfer service
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Personalized service for high-value clients
24/7 multilingual customer support
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Service
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Features
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Score
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Transfer Money Now
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Best for Large Transfers
1
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Personalized service for high-value clients
Secure transfers with robust encryption
Over 58K 'Excellent' TrustPilot reviews |
USD
 CAD
Low
USD
GBP
Low
USD
EUR
Low
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FinCen, FCA, ASIC
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Time to Open Account
Up to 3 min
Sending Options
Bank Account
Debit or Credit Card ACH Direct Debit (US Only) Wire Transfer Receiving Options
Bank Account (up to 3 days)
Mobile Wallet (deposited in minutes) Cash Pickup Required Documents
ID
Proof of Address Mobile
Transfer
Bank-beating
rates
Phone
Support
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2
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$0 transfer fees, competitive rates
Fast and reliable transactions
24/7 live, global customer support |
USD
CAD
Low
USD
SGD
Low
USD
EUR
Low
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FCA, ASIC
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Time to Open Account
Up to 5 min
Sending options
Bank Account
Wire Transfer Direct Debit Receiving Options
Bank Account
Required Documents
ID
Address Additional requirements for Businesses Bank-beating
rates
Secure
platform
No hidden
fees
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For business only
3
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Global payments platform
Same-day transfer to 120+ countries |
USD
GBP
Low
USD
EUR
Low
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9.2
Review
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ASIC, FCA, SFC, FINTRAC
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Time to Open Account
up to 3 business days
Sending Options
Bank Account
Receiving Options
Bank Account
Airwallex Global Account Required Documents
Certificate of incorporation
ID of UBO and authorized person Supportive Business Documents Corporate Cards
Fast setup
Top FX rates
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4
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Cash pickup locations in 60+ countries
Send from $1 to most destinations |
USD
 PHP
Low
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8.8
Review
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FinCEN, FCA
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Time to Open Account
In minutes
Sending Options
Bank Account Deposit
Mobile Money Wallet Cash Pickup Receiving Options
Access or Zenith Bank branch
Required Documents
ID
Cash Pickup
Mobile-app
24/7 customer
support
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5
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Transfers in as quick as 15 minutes
Send to 190+ countries, in 100+ currencies |
EUR
INR
Med
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FTC, SEC, CFPB
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Time to Open Account
A few minutes
Sending Options
Bank Account
Mobile App Receiving Options
Cash pickup
Bank transfer Required Documents
ID Documentation, Proof of Address
Mobile/App
Transfers
Welcome
Bonus
Available in
190+ countries
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6
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Fee free on 1st transfer on most currency pairs
Door to door cash delivery option |
USD
MXN
Low
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FCA
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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
Mobile
Transfer
Phone
Support
Two-Factor
Authentication
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7
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Send money to over 130 countries
Instant cash pickup & airtime top-ups |
USD
PHP
Low
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FCA
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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
Mobile/App
Transfers
Social Media
Support
SMS/email
Notification
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8
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Holds more than 50 currencies
Cost-effective for small transfers |
USD
USD
Low
USD
EUR
Med
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FCA
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Time to Open Account
A few minutes
Sending Options
Bank account
Credit/Debit Card PISP Swift Google/Apple Pay Receiving Options
Bank account
Required Documents
ID Documentation, Proof of Address
Travel Money
Mobile/App
Transfers
Multi-Currency
Card
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9
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Dedicated Account Manager for all transfers
Handles large transfers and regular payments |
GBP
EUR
High
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7.5
Review
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FCA, HMRC
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10
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Get the best exchange rate to send money to India , guaranteed.
$1 = ₹100 on your first $100 to India |
USD
INR
Low
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7
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Customer Experiences
"XE is reliable trusted and smooth for sending money overseas . When sending larger transactions, it is the best and safest." - Karl, verified Trustpilot review
Pros
- $0 fees per transaction with competitive “mid-market” exchange rates
- Live transfer tracking and notifications, up to arrival
- Leader in money transfers across major corridors
- Daily market updates straight to your inbox
- Instant customer support 24/7
Cons
- Checks and cash payments are not accepted
- Maximum transfer amount of US$500,000 (or currency equivalent)
"OFX are the best. I've used them for years, always efficient, reliable and the best rates to boot."
Pros
- A global expert team is available 24/7, with offices in 9 countries
- Over 190 countries covered, more than 55 currencies exchanged
- You can set up routine payments for your rent, mortgage, or pension for up to 12 months
- Offers a special intro rate for transferring between: USD, CAD, AUD, GBP, NZD, EUR, and SGD
- Excellent choice when it’s time to cash out your global investments
Cons
- Don’t offer digital wallets & travel cards for individuals
- Cash pick-up is not available, making it less convenient to send money to loved ones
Pros
- Operates under strict regulatory oversight in multiple countries
- Fully remote onboarding completed in about two days
Cons
- Services are available only for businesses, not individuals or freelancers
- Lacks traditional banking services
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies so you can find the best provider for your international transfer.
Safety
Check your chosen money transfer provider is regulated by a government authority, to ensure your money is safe & protected when transferred. The main regulators include:
– FinCEN (Financial Crimes Enforcement Network), USA
– FCA (Financial Conduct Authority), UK
– ASIC (Australian Securities and Investments Commission)
Fees & Rates
Some money transfer services charge a fixed transaction fee, others take a percentage of the transfer sum, while some services waive the transfer fee completely. The conversion rate is another money-maker for many services and as such poses yet another crucial pricing component to examine carefully. Consider the above to find the most cost-effective solution for your transfer.
Customer Support
Check the customer support channels available are convenient for you. These generally include email, online chat, phone or 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.
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.
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 better handle small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.
Transfers from the US
Safety
FinCEN, the main regulatory financial authority in the US, is responsible for monitoring activities of the US based financial services. It is highly recommended to use the services of a company registered and licensed by the FinCEN when making a money transfer from the US.
Ease of Onboarding
Most top-rated US based money transfer services offer a completely digital account opening and user-authorization process. Any required proof of ID documents can be supplied digitally, eliminating waiting times. With this option, new customers are able to complete the onboarding process online, in just a few minutes.
Fees and Rates
The US is at the center of the modern FinTech industry, hence you can find a lot of different money transfer services to choose from. This gives users the option to use a service that charges minimal or no transaction fees combined with fair mid-market exchange rates. You can save on average up to 8 times on rates & fees by using top services like XE instead of a high-street bank such as JPMorgan Chase.
