10 Best International Money Transfer Apps in 2025.

Today, while sending money across borders has become a dire need for individuals, businesses, and expats, it has become an unwarranted need, considering the globalization effect on every aspect of life.

International money transfer apps have risen over the years to make the process way simpler, faster, cheaper, and handier than conventional banking methods.

Whether it’s paying for a product, sending remittances, or transactional business purposes, choosing the right app is quite important to ensure cost-effectiveness with security.

New features, improved security protocols, and ease of use flood the market with every step into the year 2025 regarding online money transfer apps.

We are going to talk about the most beneficial international money transfer applications available to Android and iPhone users by taking speed, fees, security, and customer service into consideration.

Best International Money Transfer Apps in 2025

Here we have highlighted all the safest money transfer apps so that all transactions can be made with full safety.

1. Walcy

Best For: High volume transaction, Speed and Transparency

The first choice of everyone in case of high-volume foreign transactions is always Walcy. With unbeatable midmarket rates and a transparent fee structure, it has always been the better option for all.

Key Features:

1. Secure transaction: With multifactor authentication and advanced encryption, Walcy is much more secure to use.
2. No Hidden Fees: You need not worry about any hidden fees transacting with Walcy. Additionally, everything is transparent in it.
3. Cheaper and faster: Comparatively, it is cheaper and faster than its competitors with streamlined operations.

Read about: Hidden Bank Fees: What Are They and How to Avoid Them?

2. Wise (formerly TransferWise)

Best For: Low Fees & Transparency

Wise is always one of the top choices for an international money transfer due to its eye-catching exchange rate and lower commissions. It is ideal for all those who want to send money abroad in a very transparent and affordable way.

Both Android and iPhone users may download this app. This platform gives the possibility to the user to transfer his money to more than 80 countries.

Key Features:

1. Low Fees: It offers a small, upfront fee that normally is way more negligible compared to other ways of banks or transfer services. It also provides the real mid-market exchange rate with no markup.
2. Multi-Currency Support: Money could be sent in more than 50 types of currencies and the receiver gets it in their local currency.
3. Easy Setup: The application is easy to operate where you can sign up easily and receive instant notifications about the status of your transfer.
4. Security: Wise is regulated by authorities in the UK, the US, and many other countries. A lot of trust warrants such regulation.

3. Revolut

Best For: Multi-currency transfers, crypto support

Revolut is a financial mobile application that has gained fame by offering various services, among which the main function is international money transfers. It’s particularly well-suited for those who travel often or make cross-border payments.

Along with usual money transfers, Revolut also enables users to send and receive cryptocurrency, which in turn makes it a popular choice for crypto market participants.

Key Features:

1. Instant Transfers: With the Revolut app, users in certain countries can enjoy instant transfers, easily making it one of the fastest to transfer money abroad.
2. Multi-currency Accounts: You can hold and exchange 30+ currencies, ideal for people often traveling or operating businesses across borders.
3. Crypto Transfers: By using Revolut, one is allowed to transfer and receive popular cryptocurrencies such as Bitcoin and Ethereum.
4. Safety: Revolut applies encryption from end to end, two-factor authentication, and other additional security features for safe transactions.

Read about: Major Types of Cross-Border Payments in 2024; Detailed Guide

4. PayPal/Xoom

Best for: Global Reach & Trusted Brand

Indeed, PayPal stands among the most trusted names in online payment gateways. It’s leveraged even more with its sister service, Xoom, which allows it to provide an even greater capability on behalf of PayPal in sending money internationally.

Xoom enables over 130 countries to which the transfers may take place. Among the fascinating features it allows is a fast way of sending cash among bank accounts, debit and credit cards, and using your PayPal balances.

Key Features:

1. Global Reach: With Xoom, transfers are possible to more than 130 countries, with the ability to send funds not only to bank accounts but to cash pickup locations.
2. Fast Transfers: Some transfers take minutes to complete, positioning it as one of the faster choices to make international payments.
3. Several Payment Options: You can send money using a connected bank account, PayPal balance, credit card, or debit card.

5. Western Union

Best for: Cash Pickup & Global Network

For many years, Western Union has been at the forefront of cross-border payment services, both traditionally and digitally. The application allows money to be sent right into the bank account of the receiver or for cash pickup in person from more than 500,000 locations worldwide. This is a great option for those who have to send cash to recipients in very remote areas.

Key Features:

1. Wide Availability: With over half a million locations across the globe, it is equally convenient to have Western Union pick up your funds just about anywhere.
2. Multiple Ways to Pay: You may pay with your bank account, credit/debit card, or with your mobile wallet.
3. Speedy Service: Transfers to bank accounts in some countries are in minutes, while cash pickups are usually available immediately.
4. Cell security: With decades in business and state-of-the-art security, Western Union assures customers.

6. WorldRemit

Best For: Low Fees & Convenience

It has carved its niche as the favorite avenue through which to send money from the US and Europe to most countries, especially in Africa, Asia, and Latin America. WorldRemit allows customers to send money to bank accounts, mobile wallets, or cash pickup at local agents.

Key Features:

1. Low Fees: WorldRemit is considered to have pretty low fees, particularly when put side by side with many of the traditional wire transfers or remittance services.
2. Several Ways to Transfer Money: The ability to transfer money to bank accounts, mobile wallets, and even mobile phones in the form of airtime.
3. Speed: Transfers can take minutes with some currencies and destinations, depending on the payment method.
4. Security: WorldRemit encrypts transfers and adheres to regulatory standards on safety.

7. Skrill

Best For: International Payments & Digital Wallet Features

Skrill is another great money transfer application across the globe, offering quick and affordable international money transfers. It has skilled users in sending funds to over 200 countries in more than 40 currencies, hence being of essential use for individuals and businesses alike.

Key Features:

1. Multiple Options to Receive the Money: The money could be transferred directly into the recipient’s bank account, to the Skrill wallet, or even by mobile number.
2. Security: Skrill has two-factor authentication and encrypts all of your personal and financial information, being highly regulated.
3. Rewards: One is able to earn points on Skrill’s loyalty program, which can be redeemed for various services or discounts.

Read about: The Best Way To Receive International Payments In India

8. Venmo

Best for: For Domestic Transfers within the U.S. and, Recently, internationally

Venmo by PayPal was highly utilized throughout the United States for transfers that took place internally within the country. As the service of Venmo extends internationally, it is now gathering speed as a great option with which to receive or send money over borders.

By 2025, Venmo will be able to send money to bank accounts in select countries, thus making it one of the easiest ways to transfer funds with quickness.

Key Features

1. User-Friendly Interface: It is an easy-to-navigate app and super simple to send money with Venmo.
2. Instant Transfers: Transfers to other users of Venmo are instant; bank transfers do go through, too, in no time.
3. Social Payments: While this Venmo social feed does make paying very casual and fun, it still covers all security and privacy-related requirements.
4. Security: This application is powered by the powerful encryption and fraud detection systems of PayPal.

9. OFX

Best For: Large Transactions & Business Payments

OFX is ideal for both individuals and companies who repeatedly send large or routine international remittances.

It offers excellent competitive exchange rates and low fees; thus, it can be utilized for cross-border business remittances and large transfers.

Key Features:

1. Competitive Exchange Rates: OFX boasts of some of the best exchange rates in the industry, adding fair value to your money.
2. No Transfer Fees: Quite often, if the transfer amount is relatively large, OFX will not charge any transfer fees, another definite plus when dealing with businesses.
3. Business Solutions: OFX provides specific services for its business clients, including bulk payments and foreign exchange risk management.
4. Security: OFX is fully regulated and uses advanced security protocols to protect your money.

Read about: Top Factors Affecting Foreign Exchange Rates in 2024.

10. Payoneer

Best For: Freelancers & Business Payments

Payoneer is used most by freelancers, online sellers, and businesses that operate in sending and receiving cross-border payments.

It allows users to hold a variety of different currencies within one account, making it ideal for businesses working with international clients.

Read about: Best Multicurrency Account: What Is It And How It Works?

Key Features:

1. Various currency options: It has the added advantage of creating “global accounts” in various currencies through Payoneer, with which receiving and paying in all kinds of currencies becomes easy without much high expense.
2. Integrated Payment Solutions: It integrates very well with marketplaces such as Amazon, Upwork, Fiverr, etc. Hence, it is perfect for freelancers as well as e-commerce businesses.
3. Security: Payoneer is regulated by various financial authorities and secures all transactions using high-end encryption methods.

11. Azimo

 Best for: Fast & Affordable Transfers to Developing Countries

Azimo focuses on its cheap, quick, and efficient cross-border money transfer solutions, targeting especially developing countries.

Its competitive prices, combined with rapid transfers, make it a good choice for those transferring cash to emerging markets.

Key Features:

1. Low Fees: Indeed, Azimo offers some of the lowest fees in the industry, making it very cost-effective for sending small and large amounts.
2. Diverse Ways to Receive the Money: The money is delivered to bank accounts, mobile wallets, or even as cash at a location near the receiver, courtesy of Azimo.
3. Speed: Most transfers go through in minutes, especially in the instance of mobile wallet deliveries.
4. Security: Security is ensured through high-level encryption and fraud prevention on Azimo’s part.

Conclusion

The best money transfer apps internationally for 2025, however, will depend on your particular needs. From the cheapest and the fastest transfer to the more advanced features that involve cryptocurrency, there is an app for everyone.

Those leading in this race for affordability and speed are Wise, Revolut, and Xoom, a branch of PayPal, while for global reach in cash pickup options, it’s Western Union and WorldRemit setting the pace.

Always choose a secure application, be transparent about its fees, and provide excellent customer service. The best international money transfer app can allow one to make cross-border payments easier, safer, and more reasonably priced.

Read about: All About Overseas Payments (2024); Comprehensive Guide

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