Best Money Transfer: Compared (2026)
Compare 16 money transfer services side by side — verified data, transparent methodology, and clearly labeled featured placements.
How we rank
Rankings are computed from verified listing data: facts we could confirm from official sources, publicly stated figures where available, and verification depth. Featured placements are labeled and never change editorial order. Rankings refresh as we verify more services — last updated October 2026.
Atlantic Money
Atlantic Money is a UK fintech offering flat-fee international transfers. It is authorised by the FCA.
Currencies Direct
Currencies Direct is a UK currency broker for personal and business international transfers. It is authorised by the FCA.
Instarem
Instarem is a Singapore-based cross-border payments company (part of Nium) serving consumers and businesses. It is licensed by MAS in Singapore.
MoneyGram
MoneyGram is a global money transfer company serving 200+ countries with online and agent-location transfers. It is licensed as a money transmitter in the US.
OFX
OFX is an Australian international payments company serving consumers and businesses in 50+ currencies. It is regulated by ASIC in Australia and FinCEN in the US.
Payoneer
Payoneer is a cross-border payments platform for freelancers, marketplaces, and SMBs, operating in 190+ countries. It is licensed as a money transmitter in the US.
Paysend
Paysend is a UK fintech offering card-to-card international money transfers to 170+ countries. It is authorised by the FCA.
Remitly
Remitly is a US digital money transfer service focused on remittances to 170+ countries. It is licensed as a money transmitter in the US.
Ria Money Transfer
Ria is a global money transfer company (part of Euronet) with 500,000+ locations in 190+ countries. It is licensed as a money transmitter in the US.
Sendwave
Sendwave (part of Zepz/WorldRemit group) is a mobile-first remittance app sending to Africa, Asia, and Latin America. It is licensed as a money transmitter in the US.
TorFX
TorFX is a UK currency broker specialising in international transfers for individuals and businesses. It is authorised by the FCA.
Western Union
Western Union is a global money transfer company with 500,000+ agent locations in 200+ countries. It is licensed as a money transmitter in the US.
Wise
Wise offers international transfers at mid-market rates with transparent fees, plus multi-currency accounts. It is regulated by the FCA and FinCEN.
WorldRemit
WorldRemit is a UK-based digital money transfer service sending to 130+ countries, focused on mobile money corridors. It is regulated by the FCA.
XE Money Transfer
XE is a currency data and money transfer brand (part of Euronet), known for its widely used currency converter. Transfers run through regulated entities.
Xoom
Xoom is PayPal's international money transfer service, sending to 160+ countries. It is licensed as a money transmitter in the US.
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