Sending Money Overseas: Here’s How To Do It Cheap

Sending money overseas doesn't have to be expensive. Before going to your local bank, MoneyGram or Western Union agent to initiate a transfer, it's time to consider a new way to transfer money. In 2019, money transfer apps make it quick, easy, and cheap to send money to other countries.

You save money by spending less money per transfer. The person receiving the transfer might get more money because of a more favorable exchange rate.

It's even possible to get free money transfers. If you need to pay a fee, always get a transfer quote from at least two of the transfer apps listed below. Compare these potential fees:

  • Transfer fee
  • Exchange rate
  • Platform fee (if any)

Most transfer apps make it easy to see how much money you will pay to send money and how much cash the person will receive. Surprise! Not all money transfer apps are created equal.

Sending Money Overseas (Maybe for Free)

The following online money transfer apps make it possible to send money to over 80 countries. The delivery method can be instant if you choose wire transfers or a few days when you opt for bank transfers. Each receiving country offers different deposit methods including:

  • In-person pickup
  • Bank deposit
  • Digital wallet deposit
  • Cell phone airtime top-off

Are you ready to discover how to send money overseas for less?



WorldRemit might be one of the most extensive money transfer apps as you can transfer money to over 150 countries.  At last count, there are 196 countries in the world.

They have a 5 of 5-star Trustpilot rating which makes them one of the most trustworthy apps for sending money overseas. Some of the positive reviews about WorldRemit include the following:

  • Easy to use
  • Affordable, great rates
  • Fast
  • Good customer service (their service teams are based in the USA, UK, and the Philippines)

You can get free transfer quotes for the different delivery and funding options. Through June 30, 2019, you can also get 3 free money transfers!

3 Fee Free Transfers When You Send Money Online With WorldRemit! Use Code 3FREE


If exchange rates are very important to you, TransferWise uses the mid-market rate which is the midpoint of the demand and supply for the current currency. If you google “$100 U.S. dollars to country currency (pesos, dollars, pounds, euros, etc.) you can see what the current midpoint price is. This is the exchange rate you will pay. Then, you only have to compare the transfer fees to see how TransferWise stacks up to other money transfer apps like OFX or WorldRemit.

TransferWise has a 5 of 5 TrustPilot rating with these positive remarks:

  • Easy-to-understand rates and fees
  • Good website
  • Fast transfers

TransferWise lets you send money to over 70 countries. You can fund transfers from your bank account, debit card, or credit card. They are also launching their own in-house debit card which can help you save money on money transfers in the future.


If you don't need same-day delivery, OFX offers competitive rates. You don't pay transfer fees and the markup rate is one of the lowest. As a negative, you will need to transfer at least $1,000 at a time. Transfers take up to 1 to 2 days to complete.

You can transfer money to over 80 countries from the United States. Their 24/7 customer support teams are located in the USA, UK, Canada, New Zealand, Hong Kong, and Singapore.

OFX has a 4/5 TrustPilot rating for these reasons:

  • Good exchange rates
  • Quick transfers
  • Helpful customer service (one person was buying real estate overseas and OFX sent 12 emails in 3 days to help him with the transfer process)


The main reason to consider Xoom is that PayPal owns them. As a result, this might be one of the easiest ways to “PayPal” family and friends. You can send money to over 70 countries with bank deposit, mobile wallet, or directly to the receiver's front door.

You can see the fees upfront. Xoom offers flexible and quick delivery options but it might be more expensive than other online money transfer apps mentioned here. As always, it's a good idea to get a quote.

Xoom has a 5 of 5 TrustPilot rating for these reasons:

  • Can send money online without visiting a store
  • Fast
  • Responsive customer service
  • Easy to use


No matter why you need to send money overseas, these money transfer apps make it easy to transfer money. You no longer need to visit a store to start the transfer. You can do it from home or work using your phone and computer. These apps help you save time and maximize your income.

Have you used any of these apps before? If so, let us know your experience.

Josh founded Money Buffalo in 2015 to help people get out of debt and make smart financial decisions. He is currently a full-time personal finance writer with work featured in Forbes Advisor, Fox Business, and Credible.