Top 8 Money Transfer Providers for Fast and Secure Transfers

Discover the top 8 international money transfer providers. Compare fees, speed, and security to find the best service for sending money abroad.

Top 8 Money Transfer Providers Compared

Explore and compare the most trusted international money transfer providers, including Wise, Remitly, Xoom, Instarem, MoneyGram, OFX, WorldRemit, and Western Union. See their ratings, fees, and supported methods to choose the best option for your needs.

Providers
Methods
Markup
Fees
Transfer times
Wise
Bank debit, debit/credit cards, mobile money
0%
0.5% to 2%
Minutes to 2 days
Remitly
Bank debit, debit/credit cards, mobile money
0.5% - 3%
$0.00 to $3.99
2 to 3 days
Xoom
Bank debit, credit cards, debit cards
4–6%
$0.00 to $ 10.00
Minutes to 1 day
Instarem
Bank transfer
0.4%–1%
From 0.4% fee
1 to 2 days
WesternUnion
Bank transfer, credit/debit card, cash pickup
0.4% - 7%
$0.00 to $61.00
1 to 5 days
OFX
Bank transfer
0.35%
€3.00
1 to 3 days
WorldRemit
Bank transfers, debit/credit cards, mobile money
0.90%–3%
$0.99 to $2.99
1 to 4 days
MoneyGram
Bank transfer, credit/debit card, cash pickup
0.46%
$1.99 to $20.49
Minutes to 3 days

Note: Transfer times and fees can vary based on the specific countries involved, payment methods, and other factors. It's always recommended to check the respective provider's website for the most accurate and up-to-date information.

Trusted Customer Ratings

See verified ratings and reviews from Trustpilot for the top money transfer providers. Discover what real users say about their reliability and overall experience.

Wise
4.3
268,403 Reviews
View on Trustpilot
Remitly
4.6
89,313 Reviews
View on Trustpilot
Instarem
4.1
8,721 Reviews
View on Trustpilot
Xoom
4.7
103,268 Reviews
View on Trustpilot
OFX
4.4
10,899 Reviews
View on Trustpilot
WesternUnion
4.2
130,145 Reviews
View on Trustpilot
WorldRemit
3.6
91,137 Reviews
View on Trustpilot
MoneyGram
4.3
45,828 Reviews
View on Trustpilot
* Based on Trustpilot reviews. Updated: 2025-09-02.

How to Choose the Right Money Transfer Service

Picking the best provider depends on more than just exchange rates. Here are the key factors to consider before you send money abroad.

Transfer Fees

Look at fixed charges and percentage-based fees. Some providers are cheaper for small amounts, others for larger transfers.

Exchange Rate Markup

A small difference in rates can have a big impact on the final amount received. Always check the mid-market rate vs. provider’s rate.

Transfer Speed

Some money transfers can arrive within minutes, while others may take 1–3 business days, depending on the provider and payment method.

Payment & Delivery Methods

Consider whether you want to pay by bank transfer, card, or cash, and whether the recipient prefers bank deposit, cash pickup, or mobile wallet.

Security & Reliability

Choose providers regulated by financial authorities with strong track records. Customer reviews can also highlight reliability.

Customer Support

24/7 support, multilingual assistance, and clear dispute resolution policies can make a big difference in emergencies.

Frequently Asked Questions

Answers to common questions about fees, speed, and reliability for the top 8 money transfer services, helping you choose the best option.

Which provider has the lowest fees?

Fees differ depending on the transfer amount and payment method. Use our comparison table or calculator to see accurate estimates for each provider.

Are all 8 providers safe to use?

Yes, all listed providers are regulated and widely trusted, with verified user ratings from Trustpilot, Google Play, and App Store.

Can I use all payment methods with every provider?

No, payment options vary. Some accept bank transfers and cards, while others offer cash pickups or mobile wallet options.

Do the exchange rates differ among these providers?

Yes, each provider applies its own markup on the mid-market rate. Check our comparison table for current rates.

Can I track my transfer with these providers?

Most providers offer tracking features so you can monitor your money until it reaches the recipient.

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Rateultra is a fast and reliable platform for comparing money transfer providers. Discover the best exchange rates, lowest fees, and trusted reviews to make your international transfers easier and more cost-effective.
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Disclaimer: The information provided on Rateultra is for general comparison purposes only. Actual fees, exchange rates, and delivery times may vary depending on the provider, amount, and destination. Please always verify the latest details directly on the provider’s website before making a transfer.
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