Top 5 Best Apps to Send Money Internationally in 2025
Sending money abroad in 2025 has become faster and cheaper, thanks to powerful apps designed for international transfers. Whether you're supporting family, paying freelancers, or funding global businesses, choosing the right app is crucial to save on fees and get the best exchange rates. Here are the top 5 best money transfer apps to send money internationally this year.
1. Wise (TransferWise)
Known for transparent fees and real mid-market exchange rates, Wise is a top pick for sending money directly between bank accounts in 70+ countries.
Pros:
- Low, upfront fees
- No hidden exchange rate markup
- Multi-currency account option
Cons:
- No cash pickup option
- Transfer speed is 1-2 days
2. Remitly
Remitly offers both economy and express options, allowing users to balance speed and cost. Supports 100+ countries with cash pickup, bank deposits, and mobile wallets.
Pros:
- Instant transfers with Express
- Cash pickup available
- Often offers first transfer fee-free
Cons:
- Exchange rate includes markup
- Fees vary by country and speed
3. Western Union
With over 500,000 agent locations worldwide, Western Union remains a leader in global remittances, especially where cash pickup is required.
Pros:
- Available in 200+ countries
- Cash pickup and mobile wallet support
- Instant transfer options
Cons:
- Higher fees and exchange rate markup
- Complex fee structure
4. Xoom (by PayPal)
Xoom, a PayPal service, offers fast transfers to bank accounts, cash pickup locations, and even bill payments in over 130 countries.
Pros:
- Fast delivery, sometimes within minutes
- Backed by PayPal's secure network
- Cash pickup and mobile top-up services
Cons:
- Higher fees on small amounts
- Exchange rate markup
5. Revolut
Revolut is a digital banking app with international transfer features, offering competitive rates and free transfers within its network.
Pros:
- Real exchange rates for certain limits
- Supports 30+ currencies
- Useful for travelers and digital nomads
Cons:
- Fees apply after free limit
- Not available in all countries
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Final Verdict: Which App Should You Use?
If you want the cheapest bank-to-bank transfer, go with Wise. For instant cash pickup, choose Remitly or Western Union. For PayPal users, Xoom is a fast and secure choice, while Revolut is great for frequent travelers and digital nomads.
Compare fees and rates before each transfer to save the most in 2025!
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