Introduction

Sending money internationally has never been easier. We compare four of the biggest names in international transfers: Wise, Remitly, WorldRemit, and Xoom. We evaluated them across fees, exchange rates, transfer speed, global coverage, and user experience.

Wise — Best for Transparency

Wise uses the mid-market exchange rate with no markup. Their fee is shown upfront before you send. This makes it the most predictable option for regular transfers.

Remitly — Best for Speed

Remitly Express delivers funds in minutes. Great for urgent situations where your recipient needs cash fast.

WorldRemit — Best for Cash Pickup

WorldRemit covers 150+ countries with cash pickup options. Ideal when your recipient does not have a bank account.

Xoom Powered by PayPal

Xoom offers lightning-fast transfers to 160+ countries backed by PayPal. If you already use PayPal, Xoom integrates seamlessly.

Our Verdict

For most people, Wise is our top recommendation. The transparent pricing model means you always know exactly what your recipient will receive.