Compare International Money Transfer in United States

Live offers across tracked providers in United States — updated daily from the Giraffy database.

Live offers

36 live offers compared from 14 providers, from $0 From $0.91. Updated daily.

Wise Transfer Wise

$0 From $0.91

  • Transfer Fee: From $0.91
  • FX Markup: ~0.5% markup
  • Transfer Speed: Instant-2 days
  • Transfer Methods: Bank/Card/App
  • Max Transfer: $1M
  • Cash Pickup: No

Western Union Western Union

$0

200+ countries and territories. Cash pickup at 500000+ agent locations worldwide.

  • Transfer Fee: $5-25 (varies by amount and method)
  • FX Markup: ~2-3% above mid-market rate
  • Transfer Speed: Minutes to 3 days
  • Transfer Methods: Bank transfer, debit card, credit card, cash
  • Max Transfer: $50,000/day
  • Cash Pickup: Yes (500,000+ locations)

WorldRemit WorldRemit

$0

Digital-first transfers to 130+ countries. Bank transfer and mobile money options.

  • Transfer Fee: $3.99-$5.99 typical
  • FX Markup: ~1.5-2% above mid-market rate
  • Transfer Speed: Minutes to 1-2 days
  • Transfer Methods: Bank transfer, debit card, credit card
  • Max Transfer: $8,000/day
  • Cash Pickup: Yes (mobile money in select countries)

OFX OFX

$0

No fees on transfers over $10000. Competitive FX rates. Best for large or business transfers.

  • Transfer Fee: $0 (over $10,000); $4 (under $1,000)
  • FX Markup: ~0.5-1.5% above mid-market rate
  • Transfer Speed: 1-2 business days
  • Transfer Methods: Bank transfer
  • Max Transfer: No maximum (verified accounts)
  • Cash Pickup: No

XE Money Transfer XE Money Transfer

$0

No transfer fees. Competitive exchange rates to 220+ countries.

  • Transfer Fee: $0
  • FX Markup: ~0.5-2% above mid-market rate
  • Transfer Speed: 1-2 business days
  • Transfer Methods: Bank transfer, debit card
  • Max Transfer: $535,000/day
  • Cash Pickup: No

MoneyGram MoneyGram

$0

Cash pickup at 350000+ agent locations. Transfers to 200+ countries.

  • Transfer Fee: $5-15 (varies by destination)
  • FX Markup: ~2-3% above mid-market rate
  • Transfer Speed: Minutes (cash) or 1-3 days (bank)
  • Transfer Methods: Debit, credit card, bank transfer, cash in person
  • Max Transfer: $10,000/transaction
  • Cash Pickup: Yes (350,000+ locations)

Wise Wise

$0

Send money abroad at the mid-market exchange rate. Low transparent fees. 80+ currencies.

  • Transfer Fee: ~$4-6 per transfer (varies by amount)
  • FX Markup: ~0.4-1.5% above mid-market rate
  • Transfer Speed: Minutes to 1-2 business days
  • Transfer Methods: Bank transfer, debit card, credit card
  • Max Transfer: $1,000,000 per transfer (bank-funded)
  • Cash Pickup: No

Zelle Zelle

$0

Instant bank-to-bank transfers between US accounts. Free and available through most US banks.

  • Transfer Fee: $0
  • FX Markup: N/A – domestic US transfers only
  • Transfer Speed: Instant (enrolled bank accounts)
  • Transfer Methods: Bank account (enrolled US banks only)
  • Max Transfer: Varies by bank ($500-$5,000/day typical)
  • Cash Pickup: No

Western Union Online Western Union

$0 From $0

  • Transfer Fee: From $0
  • FX Markup: ~1.5% margin
  • Transfer Speed: Minutes
  • Transfer Methods: Bank/Card/App/Cash
  • Max Transfer: $50,000
  • Cash Pickup: Yes

WorldRemit WorldRemit

$0 From $1.99

  • Transfer Fee: From $1.99
  • FX Markup: ~1.5% margin
  • Transfer Speed: Minutes
  • Transfer Methods: Card/App
  • Max Transfer: $10,000
  • Cash Pickup: Yes

OFX Transfer OFX

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: ~0.5% margin
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank transfer
  • Max Transfer: $1M+
  • Cash Pickup: No

XE Money Transfer XE Money Transfer

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: ~0.5% margin
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank transfer
  • Max Transfer: $500,000
  • Cash Pickup: No

MoneyGram Online MoneyGram

$0 From $1.99

  • Transfer Fee: From $1.99
  • FX Markup: ~1.5% margin
  • Transfer Speed: Minutes
  • Transfer Methods: Bank/Card/Cash
  • Max Transfer: $10,000
  • Cash Pickup: Yes

Zelle Zelle

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: No FX
  • Transfer Speed: Instant (US only)
  • Transfer Methods: Bank App
  • Max Transfer: $2,500/day
  • Cash Pickup: No

Revolut US Transfer Revolut

$0 $0 standard

  • Transfer Fee: $0 standard
  • FX Markup: ~0.5% markup
  • Transfer Speed: Instant-1 day
  • Transfer Methods: App
  • Max Transfer: $10,000
  • Cash Pickup: No

Cash App International Cash App

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: ~1.5% markup
  • Transfer Speed: Instant
  • Transfer Methods: App (limited)
  • Max Transfer: $7,500
  • Cash Pickup: No

Wise Multi-Currency Account Wise

$0 $0 (receive)

  • Transfer Fee: $0 (receive)
  • FX Markup: ~0.5% markup
  • Transfer Speed: Instant
  • Transfer Methods: App/Debit card
  • Max Transfer: $1M
  • Cash Pickup: No

OFX Business OFX

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: ~0.4% margin
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank transfer
  • Max Transfer: No limit
  • Cash Pickup: No

PayPal Send Money PayPal

$0 From $0

  • Transfer Fee: From $0
  • FX Markup: ~2.5% markup
  • Transfer Speed: Instant-3 days
  • Transfer Methods: PayPal balance/Card
  • Max Transfer: $10,000
  • Cash Pickup: No

Western Union In-Store Western Union

$0 From $5

  • Transfer Fee: From $5
  • FX Markup: ~2% markup
  • Transfer Speed: Minutes
  • Transfer Methods: Cash
  • Max Transfer: $10,000
  • Cash Pickup: Yes

SoFi Money Transfer SoFi

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: No FX fee (ACH)
  • Transfer Speed: 1-3 days
  • Transfer Methods: ACH/Wire
  • Max Transfer: $100,000
  • Cash Pickup: No

Chase Wire Transfer Chase

$0 $25-$35

  • Transfer Fee: $25-$35
  • FX Markup: ~1.5% markup
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank wire
  • Max Transfer: No limit
  • Cash Pickup: No

Bank of America Wire Bank of America

$0 $30-$45

  • Transfer Fee: $30-$45
  • FX Markup: ~1.5% markup
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank wire
  • Max Transfer: No limit
  • Cash Pickup: No

XE Business Transfer XE Money Transfer

$0 $0 fee

  • Transfer Fee: $0 fee
  • FX Markup: ~0.4% margin
  • Transfer Speed: 1-2 days
  • Transfer Methods: Bank transfer
  • Max Transfer: No limit
  • Cash Pickup: No

Remitly Remitly

$0

Fast transfers to 170+ countries. Express and Economy delivery options.

  • Transfer Fee: $3.99 Express / free Economy
  • FX Markup: ~1.5-2% above mid-market rate
  • Transfer Speed: Minutes (Express) or 3-5 days (Economy)
  • Transfer Methods: Bank transfer, debit card, credit card
  • Max Transfer: $10,000/day ($30,000+ after verification)
  • Cash Pickup: Yes (select countries)

Remitly Express Remitly

$0 From $0

  • Transfer Fee: From $0
  • FX Markup: ~1.5% margin
  • Transfer Speed: Minutes
  • Transfer Methods: Bank/Card/App
  • Max Transfer: $10,000
  • Cash Pickup: Yes

Remitly Economy Remitly

$0 From $0

  • Transfer Fee: From $0
  • FX Markup: ~0.5% margin
  • Transfer Speed: 3-5 days
  • Transfer Methods: Bank transfer
  • Max Transfer: $10,000
  • Cash Pickup: Yes

Send money worldwide Wise

$2 /month

  • Rate: 3.14%
  • Provider: Wise

Do more with Wise in the US Wise

$2 /month

  • Rate: 3.14%
  • Provider: Wise

3.14% Wise

$2 /month

  • Rate: 3.14%
  • Provider: Wise

Make your money do more Wise

$3 /month

  • Rate: 3.14%
  • Provider: Wise

Receive money fast Wise

$3 /month

  • Rate: 3.14%
  • Provider: Wise

Why businesses choose Xe XE Money Transfer

$3 /month

  • Provider: XE Money Transfer

Western Union Plan Western Union

$3.99 /month

  • Provider: Western Union

XE Money Transfer Plan XE Money Transfer

$17 /month

  • Provider: XE Money Transfer

OFX Plan OFX

$38.40 /month

  • Provider: OFX

What is International Money Transfer in the US?

International money transfer services move funds from the United States to recipients abroad, whether for family remittances, paying overseas bills or funding foreign accounts. Compared with a traditional bank wire, specialist providers usually offer better exchange rates, lower fees and faster delivery, plus the choice of bank deposit, cash pickup or mobile wallet at the destination. The total cost is the transfer fee plus the exchange-rate markup, so the two must be weighed together.

How the US market works

Money-transfer companies are licensed as money-services businesses, registering with FinCEN federally and obtaining money-transmitter licenses in each state where they operate. They compete on the exchange-rate margin over the mid-market rate, upfront fees and delivery speed. Some use the traditional agent-and-cash-pickup model, others are digital-first with app transfers and mid-market rates. US consumer protections for remittances are unusually strong thanks to federal rules requiring upfront disclosure of fees, rates and delivery times.

Benefits

Better exchange rates — Digital specialists price near the mid-market rate, beating most bank wires.

Lower fees — Transfer fees are often a few dollars or less versus $30–$50 for a bank wire.

Fast delivery — Many transfers arrive within minutes to a day, depending on the payout method.

Flexible payout — Recipients can get funds by bank deposit, cash pickup or mobile wallet.

How to choose

Compare the total cost, not just the headline fee: multiply the exchange rate by your amount and add the fee to see what actually lands. Providers that advertise zero fees sometimes bake the cost into a worse rate. Check delivery speed and the payout options available in the destination country, transfer limits, and how you fund the transfer (bank debit is cheaper than card). For recurring transfers, some services let you lock in a rate or set up automatic payments.

Leading providers in the US

Wise is known for mid-market exchange rates and transparent per-transfer fees. Remitly and WorldRemit focus on remittances with fast delivery and cash-pickup networks in many countries. Western Union and MoneyGram offer the largest global agent networks for cash pickup alongside digital transfers. OFX and XE Money Transfer cater to larger transfers with no-fee models and dedicated support, while Zelle enables instant free transfers but only between US bank accounts, not internationally.

What it costs

Digital transfers can be free to a few dollars in fees, with the real cost hiding in the exchange-rate margin—typically well under 1% at the best providers versus several percent at banks. Card-funded transfers cost more than bank-funded ones. Fees also depend on the destination, amount and payout method, so a small cash-pickup remittance may cost more proportionally than a large bank-to-bank transfer.

Protections and regulation

Remittance providers are money-services businesses registered with FinCEN and licensed as money transmitters in each state. The CFPB's Remittance Rule requires them to disclose the exchange rate, fees, taxes and expected delivery date before you pay, give a receipt, and provide error-resolution and cancellation rights (typically a 30-minute cancellation window). Providers must also comply with anti-money-laundering and sanctions screening.

Common questions

What is the cheapest way to send money abroad? Digital specialists funded by bank transfer usually beat bank wires on combined fee and exchange rate. How fast does it arrive? From minutes for cash pickup to a couple of business days for bank deposits. Can I cancel a transfer? Federal rules give you a short cancellation window (usually 30 minutes) if the money has not yet been collected.

The cheapest International Money Transfer in United States is $0 From $0.91 from Wise.

International Money Transfer in United States — FAQ

What is the cheapest international money transfer in United States?

The lowest tracked price on Giraffy is $0 From $0.91 across 5 live offers. Compare all plans sorted by price.

How many providers cover international money transfer on Giraffy in United States?

Giraffy tracks 5 live offers across Wise,Western Union,WorldRemit,OFX,XE Money Transfer providers in United States.

How often are compare prices updated?

Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.

Can providers pay to rank higher?

No. Giraffy does not sell ranking placement. Results reflect your filters and sort order — default is lowest price.