Best Money Transfer Services

Best Money Transfer Services

Send Money Like a Pro: The List of Top 10

Atlantic Money

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: EUR, GBP, USD
  • Transfer Fee: Fixed €3
  • Open online: Yes
  • UK and EU residents
  • Valid ID required
  • Ultra-low-cost FX with fixed fee
  • Supports multi-currency transfers
  • Innovative app-less transfer network
  • Fast-growing fintech in Europe
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Pros

  • Fixed low transfer fee
  • Supports multiple currencies
  • Innovative transfer methods
  • User-friendly platform

Cons

  • No interest-bearing accounts
  • Limited to certain currencies
  • No physical branches
  • Relatively new in the market

About Atlantic Money

Atlantic Money is a UK-based fintech offering ultra-low-cost foreign exchange services with a fixed €3 fee, challenging traditional money transfer models. The platform supports multi-currency transfers across Europe, including a new app-less transfer network called “Portals”. With a focus on simplicity and cost-effectiveness, Atlantic Money is rapidly gaining popularity among users seeking affordable international transfers.

LeoPay

# Bank Account Info Eligibility Highlights Rating Visit
2
  • APY: N/A
  • Currency: EUR, GBP, USD
  • Transfer Fee: Low
  • Open online: Yes
  • Available to EU & Global users
  • Valid ID required
  • Multi-currency IBAN accounts
  • Supports SEPA & SWIFT transfers
  • Business and personal options
  • Global availability
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Pros

  • Multi-currency IBANs
  • Business & personal accounts
  • Supports global users
  • Quick online account setup

Cons

  • No interest on balances
  • Customer service varies by region
  • Not suitable for cash deposits
  • Some services may require fees

About LeoPay

LeoPay is a multi-currency financial platform based in Bulgaria, offering both personal and business IBAN accounts with access to EUR, GBP, USD, and more. It supports global clients with fast online registration, and enables international transfers through SEPA and SWIFT. LeoPay is known for its borderless banking approach, combining flexibility with practical tools for freelancers, businesses, and frequent travelers. Although it doesn’t offer interest-bearing accounts, it remains a popular choice for those looking to manage multiple currencies affordably and efficiently.

Wittix

# Bank Account Info Eligibility Highlights Rating Visit
3
  • APY: N/A
  • Currency: EUR, GBP, USD
  • Transfer Fee: Variable
  • Open online: Yes
  • EU & Global
  • ID required
  • P2P-style interbank transfers
  • Real exchange rates
  • Transparent fee structure
  • Supports SEPA & SWIFT
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Pros

  • Real market exchange rates
  • Clear fees
  • Fast peer-to-peer transfers
  • Wide currency support

Cons

  • Variable fees per corridor
  • Limited brand recognition
  • No physical branches
  • No interest on balances

About Wittix

Wittix is an Estonian fintech offering peer‑to‑peer foreign exchange using real interbank rates with transparent fees. Customers set up an account, choose how much to send, and the platform matches them with a counter‑party to deliver funds via SEPA or SWIFT. Ideal for those who want low‑cost international transfers with full fee clarity.

PaySend

# Bank Account Info Eligibility Highlights Rating Visit
4
  • APY: N/A
  • Currency: EUR, GBP, USD, others
  • Transfer Fee: $1–$3
  • Open online: Yes
  • Global
  • Valid ID required
  • Send to cards or accounts
  • Fast transfers (minutes)
  • Low fixed fees
  • Global coverage
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Pros

  • Very low fixed fees
  • Sent directly to cards
  • Global transfer coverage
  • App & web support

Cons

  • Exchange rate markups possible
  • Some payout limits
  • No interest accounts
  • Customer support can vary

About PaySend

PaySend is a UK-based money transfer service allowing sending funds directly to bank cards or accounts in over 100 countries. With fixed fees from $1–$3 and instant transfers in many RIA and VISA/Mastercard corridors, PaySend appeals to those needing quick, affordable global transfers without complicated fee structures.

CurrencyFair

# Bank Account Info Eligibility Highlights Rating Visit
5
  • APY: N/A
  • Currency: EUR, GBP, USD, AUD, NZD, others
  • Transfer Fee: Low + FX margin
  • Open online: Yes
  • Global users
  • Proof of ID required
  • P2P marketplace exchange
  • Real interbank FX rates
  • Peer-to-peer rate matching
  • Supports personal & business
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Pros

  • Competitive P2P FX rates
  • Transparent fees + margins
  • Wide currency support
  • Business and personal use

Cons

  • FX margin applies
  • Marketplace may delay transfers
  • No interest on balances
  • Requires manual rate matching

About CurrencyFair

CurrencyFair is an Ireland-based peer-to-peer currency exchange platform, offering users the ability to match exchange rates with other customers to achieve interbank‑level FX. It supports over 20 currency pairs, servicing both personal and business needs. Users can place their own exchange offers for better rates, making it ideal for cost-conscious international transfers.

TransferGo

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: EUR, GBP, USD, PLN, others
  • Transfer Fee: From €0
  • Open online: Yes
  • Global users
  • Verified ID needed
  • Free tiers available
  • Instant and same-day delivery
  • Mobile app & web
  • Transparent rates
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Pros

  • Zero‑fee options
  • Fast delivery
  • Multi‑currency support
  • User‑friendly apps

Cons

  • Zero‑fee only on lower amounts
  • FX marked up slightly
  • No balance interest
  • Some corridors limited speed

About TransferGo

TransferGo is a UK-based international money transfer service offering both free and premium delivery tiers. With instant and same-day options, it caters to users needing quick and transparent transfers across Europe and beyond. Supported via mobile and web, it’s a strong fit for users seeking speed without hidden fees.

Monese

# Bank Account Info Eligibility Highlights Rating Visit
7
  • APY: N/A
  • Currency: EUR, GBP, RON
  • Transfer Fee: Varies by plan
  • Open online: Yes
  • EU & UK residents
  • ID & address proof
  • Mobile current accounts
  • Debit card included
  • Small FX fees
  • Plan-based perks
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Pros

  • No branches, 100% digital
  • Fast account activation
  • Multiple currencies
  • Debit card for spending

Cons

  • FX fees higher on free plan
  • No interest earning
  • Fees for withdrawals abroad
  • Limited high-volume support

About Monese

Monese is a UK fintech offering mobile-only current accounts in GBP, EUR, and RON. Users can open an account quickly without proof of address, get a debit card, and send international transfers. With tiered subscription plans, Monese suits expats and travelers who need flexibility and ease in cross-border payments, even if its FX margins are slightly higher.

Remitly

# Bank Account Info Eligibility Highlights Rating Visit
8
  • APY: N/A
  • Currency: Multiple (~90)
  • Transfer Fee: $0–$3+
  • Open online: Yes
  • Senders globally
  • Valid ID required
  • Express & Economy delivery
  • Cash pickup & bank deposit
  • Strong emerging market coverage
  • Mobile money integration
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Pros

  • Great emerging market reach
  • Multiple payout options
  • Express or economy
  • Mobile‑friendly

Cons

  • Fees vary by speed
  • Exchange markup possible
  • No multi‑currency balances
  • Receivers may pay fees

About Remitly

Remitly is a US‑based remittance leader with coverage in over 90 countries. It offers express (minutes) or economy (1–3 days) delivery to bank accounts, mobile wallets, or cash pickup. Known for ease of use, speed, and strong emerging market reach, it’s popular with diasporas sending money home.

Zepz (WorldRemit + Sendwave)

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 80+ currencies
  • Transfer Fee: Low–mid
  • Open online: Yes
  • Global coverage
  • ID required
  • Cash pickup, bank & mobile delivery
  • Sendwave for Africa remittances
  • Fast transfers (minutes/hours)
  • Transparent fees shown upfront
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Pros

  • Multiple payout options
  • Strong Africa focus via Sendwave
  • Quick send & receive
  • Transparent pricing

Cons

  • FX markup on some corridors
  • No multi‑currency balance
  • Fees vary by region
  • Limited business services

About Zepz

Zepz is the re‑branded owner of WorldRemit and Sendwave, offering global remittance solutions with strong coverage in Africa, Asia & Latin America. Users can send money to bank accounts, mobile wallets, or cash pickup, often within minutes. Its two‑brand model enables both broad global reach and focused corridor efficiency.

Western Union Digital

# Bank Account Info Eligibility Highlights Rating Visit
10
  • APY: N/A
  • Currency: 130+ currencies
  • Transfer Fee: Varies
  • Open online: Yes
  • Global senders & receivers
  • ID required
  • Bank, mobile & cash pickup
  • Large global network
  • Transfer tracking tools
  • Various delivery speeds
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Pros

  • Extensive global reach
  • Cash pickup available
  • Tracking through app
  • Various delivery options

Cons

  • Higher fees on some transfers
  • FX rates marked up
  • Prime digital limited vs retail
  • Customer support varies

About Western Union Digital

Western Union Digital enables online international money transfers in over 130 currencies, with options for bank deposits, mobile wallets, or cash pickup. It leverages Western Union’s massive global retail network, paired with its digital platform. While highly accessible and feature-rich, fees and FX margins tend to be higher than digital-native competitors.

Top Global Currency Pairs Powering International Money Transfers

Currency PairDescriptionGlobal SignificanceTypical Use Cases
USD / EURUS Dollar to EuroMost traded currency pair worldwide, dominant in international trade and finance.Cross-border business payments, remittances between US and Europe, e-commerce.
USD / GBPUS Dollar to British PoundHighly liquid pair, key for trade and investment between US and UK.International investments, remittances, currency hedging.
USD / JPYUS Dollar to Japanese YenOne of the top currency pairs, important for Asian markets.Trade payments, business transfers, forex trading.
EUR / GBPEuro to British PoundKey currency pair within Europe, significant post-Brexit.Trade settlements, remittances, tourism-related transfers.
AUD / USDAustralian Dollar to US DollarPopular for commodity-related trade due to Australia’s export economy.Commodity payments, international business, travel money.
USD / CADUS Dollar to Canadian DollarHeavily traded pair, important for North American trade.Cross-border trade, remittances, investment flows.
USD / CNYUS Dollar to Chinese YuanIncreasingly influential as China expands global trade reach.Business transactions, import/export payments, remittances.
EUR / CHFEuro to Swiss FrancStable pair used as a safe haven in turbulent markets.Wealth management, international payments, remittances.

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