Apps to Send Money Overseas

Are you wanting an app to send money overseas? Compare international transfer provider apps here.

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, updated on August 18th, 2023       

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Compare apps to send money overseas with Savvy

If you’re looking for a fast and convenient way to send funds overseas, many money transfer providers now have useful apps which allow you to do just that from your phone or smart device. You can compare apps to send money abroad right here with Savvy to help you choose which provider can offer you the best experience. Consider your options and download your app of choice to get the transfer process started today.

site-logos OFX
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $250 1-3 days $0 50+
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Special Offer: 5 fee free transfers (saving you up to $75 in fees) + preferential rates for international money transfers

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site-logos Instarem
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $1 Within minutes From 0% to 1% 55+
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Enjoy $40 bonus on your first money transfers of $250 & above! Use code*: SAVVY20X2 (Minimum transfer of AUD 250 Valid till 31st August 2023)

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site-logos Xe
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $0 1-3 days From $0 100
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Xe is a 2021 Canstar Award Winner and offers the best exchange rates, low to no fees so customers save the most money

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site-logos Western Union Money Transfer
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $0 1 - 2 days $0 35
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Send money to over 200 countries and territories across the world online

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site-logos Wise Money Transfer
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $0 1-3 days From 0.41% 53
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Send money cheaper and easier with Wise with no hidden fees.

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site-logos TorFX
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $200 0-2 days $0 35
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Excellent exchange rates with no transfer fees. Trusted by over 325,000 customers. Awarded Canstar’s 5 star rating 2018-2021.

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site-logos Currencyfair
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $5 Within minutes From $0 20+
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Send money overseas at better exchange rates, with no hidden fees.

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site-logos Remitly
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $0 0-2 days From $0 21
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Remitly offers fast, safe and secure money transfers with excellent rates to over 100 countries

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site-logos Revolut
  Minimum Transfer Amount Transfer Speed Transfer Fee Total Currencies Available  
site-logos $0 Within minutes From $0 27+
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Fast and easy, with super competitive rates across all major currencies. Join 25+ million customers saving on global transfers.

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Disclaimer: Savvy is not advising or recommending any particular product to you. We provide general information on products for the purposes of comparison, but your personal situation or goals are not considered here. Although we try to make our comparisons as thorough as possible, we do not have information on all products on the market on our site.

If you decide to initiate a money transfer with one of the providers listed above via our website, you will not be dealing with Savvy; any applications or enquiries will be conducted directly with the provider offering that product.

The best apps for sending money overseas


Remitly started life in 2011 as BeamIt Mobile but soon changed its name as it focused on international money transfers to offer immigrants in the United States a way to send money to their families back home. It gained popularity in 2013 when it announced it was offering free money transfers to the Philippines to celebrate its international expansion, and now offers transfers to well over 100 countries around the world.

App store: 4.8-star rating from more than 61,700 reviews.

Google Play store: more than 5 million downloads and a 4.8-star rating from over 460,000 reviews.


  • transfers to 100 countries using 21 currencies
  • first transfer fee-free
  • instant transfers to another Remitly user’s mobile using their phone number
  • track your transfer’s progress
  • view live exchange rates
  • set currency exchange rate alerts


  • no exchange rate guarantees
  • app only available in English
  • no credit card payments accepted
  • varying transfer limits depending on how much ID you provide


OzForex was founded in Sydney in 1998 and changed its name to OFX in 2015. It’s an Australian money transfer company offering both retail and business transfer options. In May 2021, OFX gained approval for people to send money from overseas to the Australian Taxation Office. It also offers multi-currency accounts and has subsidiaries worldwide, including New Zealand, the USA, the UK, Canada, Hong Kong, Singapore and Ireland.

App store: 4.8-star rating from more than 3,500 reviews.

Google Play store: more than 100,000 downloads and a 4.5-star rating from 33,000 reviews.


  • offers transfers to 190 countries using 50 different currencies
  • free transfers over $10,000, $15 set fee for smaller transfers
  • ability to track the progress of your transfers once they’re sent
  • 24/7 customer support worldwide
  • ATO-approved to receive tax money
  • business transfer tools such as rate alerts and forward contracts are available


  • minimum $250 transfer limit
  • $15 flat fee can be uneconomical for small transfers
  • phone verification required before first transfer can be made
  • no cash deliveries, cash pickups or cash payments accepted

Wise Money Transfer

Wise was formerly known as TransferWise when it was founded in London in 2010. It has since grown to offer money transfer services to over 80 countries using more than 50 currencies. Wise was named Best Tech Pioneer by the World Economic Forum and listed on the London Stock Exchange in July 2021, valued at US $11 billion. It’s now one of the best-known online money transfer companies in the world and is used by 12 million people.

App store: 4.7-star rating from more than 13,000 reviews.

Google Play store: more than 10 million downloads and a 4.5-star rating from 208,000 reviews.


  • offers a multi-currency account in which you can store up to 53 different currencies
  • simple online calculator showing exactly how much your transfer will cost
  • linked to a debit Mastercard allowing you to spend money in multiple countries and use ATMs free of charge
  • multiple payment options including debit card, credit card, POLi, PayID, bank transfer and Apple Pay
  • offers mid-market exchange rates
  • sending money to someone else who has a Wise account is free


  • not possible to use cash or cheques
  • limited support with the recent closure of its online live chat customer service
  • allow two days to set up an account and get verified, then up to ten days for your Wise Mastercard to be delivered to your home address
  • transfers to most countries in Africa are not available


TorFX was established in the UK in 2004, but now has offices in the UK, Australia, Europe, the USA, South Africa and China. It offers international money transfers direct to another bank account. It prides itself on personal customer service with each client allocated an account manager and now processes more than $10 billion a year in international money transfers. TorFX is highly rated by Canstar (Outstanding Value award winner four years in a row) and has a TrustPilot 5-star rating.

App store: 4.3-star rating from more than 54 reviews.

Google Play store: more than 10,000 downloads and a 3.4-star rating from 246 reviews.


  • no fees charged, with an exchange rate markup instead
  • business currency tools available including forward contracts, limit orders, stop-loss orders and a risk management service
  • personal account managers to assist with all your forex needs
  • fast transfer service offered, usually on the same day once it’s received your funds
  • repeat transfer automation for businesses wanting to send money to the same person regularly
  • price promise that if a competitor offers a better exchange rate, they will match it


  • you can only pay for transfers using direct debit from your bank account
  • minimum transfer amount of $200
  • maximum single transfer amount online of $50,000 (although larger transfers can be arranged through a business manager)
  • may not offer the best rates for small transfers and may be more suited for business customers

Xe was founded in Canada in 1993 under the name Xenon Laboratories and owes its unusual name to the two-letter atomic symbol for Xenon. It’s now a subsidiary of the giant Euronet Group, offering forex and international transfer services to 220 countries in 139 currencies.

App store: 4.2-star rating from more than 1,700 reviews.

Google Play store: more than 10 million downloads and a 3.3-star rating from over 110,000 reviews.


  • no sending fees for amounts over $500
  • currency tools supplied, including an award-winning currency converter and live data feeds
  • view transfer delivery date before agreeing to the transfer
  • view rate alerts and monitor up to ten currencies
  • track the progress of your transfer through the app
  • highly rated by Canstar (Outstanding Value Award winner 2021) and has a 5-star rating


  • maximum single transfer limit of $750,000
  • no transfers to China, Malayasia or Indonesia
  • may not be the cheapest option for smaller transfers (set send fee of $4 charged)
  • no cash pickups, deliveries or payments accepted


SingX was founded in Singapore in 2014 by a group of bankers focused on business transfers for small to medium enterprises. It won the MAS (Monetary Authority of Singapore) Fintech Award in 2017 and has continued to grow with additional offices now in Australia and Hong Kong. It provides transfer services to over 30 countries using 15 different currencies, and is particularly well-suited for business transfers to China.

App store: The mobile app has only been launched very recently. So far, it has a 2.5-star rating from very few downloads.

Google Play store: 10,000 downloads and a 2-star rating from 221 reviews.


  • first two transfers free of charge, with no fees or exchange rate markups
  • mid-market exchange rate offered with a percentage fee charged
  • fast transfers once your account has been established
  • transparent pricing with a clear pricing page showing all charges
  • online calculator and plenty of business exchange tools available
  • mobile top-ups also available


  • the app is still relatively new
  • can be an expensive option for large transfers due to the percentage fee charged
  • you can only use POLi or a bank debit to fund your transfer
  • no cash transfers or payments are possible

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