Best Money Transfer Apps for iOS - September 2025
These money transfer apps stand out for their speed, security, and global reach, making them essential tools for anyone needing to send money internationally or domestically with ease.
Our Top Pick
The best money transfer app for iOS
Why It's #1
- First transfer promotion with reduced fees
- Option for express transfers for faster delivery
- In-app notifications for transfer status
Screenshots
About Remitly
Enjoy a $0 transfer fee* on your first transfer with Western Union®. Send money fast to Mexico and globally from the US, available 24/7. Send money, track money transfers, pay bills, review exchange rates, and find agent locations- all on the go with the Western Union® money transfer app. ----- WE MOVE MONEY TO MORE THAN 200 COUNTRIES AND TERRITORIES ----- Your friends and loved ones can receive the funds directly to their bank account or mobile wallet** or pick up cash in their own currency at a convenient location near them. ----- SIMPLE CARD SCANNING ----- Quickly make a money transfer by setting up card payments on your mobile phone. Avoid mistakes by scanning your credit*** or debit card using the camera on your device. ----- EASILY VIEW EXCHANGE RATES ----- View the latest international exchange rates instantly using the widget on our mobile money transfer app. See how the US dollar compares to other currencies on the move. ----- QUICKLY REPEAT TRANSFERS ----- Save your receiver’s details to your resend list and make repeat international money transfers fast through the app. ----- PAY BILLS ON THE GO ----- From your car payment to a mortgage, pay bills anytime, anywhere, with our money transfer app. ----- START ON THE MONEY TRANSFER APP, PAY IN CASH ----- Save time at the counter by starting your money transfer on our app and paying in cash at a participating agent location. Visit one of more than 61,000**** across the US. ----- PAY THE WAY THAT WORKS FOR YOU ----- Pay directly from your bank account, via Apple Pay® in our app, cash at an agent location, or with a credit***/debit card. ----- EASY TO SEND, SIMPLE TO RECEIVE ----- Use the Western Union® app to send money and choose how your receiver will get the funds. Bank account • Send money from your bank to billions of accounts worldwide. Cash pickup • Transfer money with the app to thousands of cash pickup locations internationally. Mobile wallet • You can send money directly to your recipient’s mobile wallet** from one of our partners (in select countries). ++++++++++ FEES AND IMPORTANT DISCLOSURES Western Union makes money from both transfer fees and currency exchange. When choosing a money transmitter, carefully compare the transfer fees and exchange rates. Fees, foreign exchange rates, and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice. Please use care when providing commissary or bank account information. Funds will be paid into the account corresponding to your account number. Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985. See terms and conditions for details. Western Union has offices worldwide and is headquartered in Denver, 7001 E. Belleview, Denver, CO 80237. Do you have questions about our services? Contact one of our nearby Western Union agent locations. Use our agent location finder to find one nearby or call +1-720-332-1000. * Currency exchange commission applicable. Not available for credit cards and transfers to Cuba. ** Money transfer to digital wallets is available for some international locations. *** A card-issuer cash advance fee and associated interest charges may apply if you use a credit card. To avoid these fees or for reduced fees, use a debit card or check other payment methods. **** Network data as of September 30, 2021. Additional third-party charges may apply.
Overview
These money transfer apps stand out for their speed, security, and global reach, making them essential tools for anyone needing to send money internationally or domestically with ease.
Ideal for individuals, families, and businesses looking for reliable, low-cost ways to transfer funds across borders or locally, often with features like bill payments and currency exchange.
We evaluated based on transfer speed, fees, security, user interface, customer support, and unique features to ensure comprehensive and unbiased recommendations.
Why Remitly is Our #1 Pick
Key Reasons:
Highest user rating among the apps
Extensive cash pickup network with over 470,000 locations
Competitive fees and fast transfer times
Standout Features:
Real-time tracking of transfers
Multiple delivery options including bank deposits and cash pickups
User-friendly interface with easy setup
"Users consistently praise Remitly for its reliability, affordability, and excellent customer service, making it a top choice for international money transfers."
- What users love most
Our Recommendations
Best Overall
Remitly
It combines high user ratings, affordability, and a wide network, making it reliable for most money transfer needs.
💚 Best Free
Cash App
Offers free peer-to-peer transfers and additional features like investing, providing great value at no cost for basic use.
💎 Best Premium
PayPal
Worth the fees for its superior security, versatility in shopping and crypto, and trusted brand reputation.
Easiest to Use
WorldRemit
Its simple interface and straightforward process make it ideal for beginners new to money transfers.
Most Innovative
Cash App
Pioneers features like Bitcoin integration and borrowing options, staying ahead in financial technology trends.
The 11 Best money transfer Apps
Remitly
Pros:
- Low fees and competitive exchange rates
- Wide network of cash pickup locations
- Easy-to-use interface with quick setup
Cons:
- Transfer speeds can vary by destination
- Limited customer support hours in some regions
A top-tier app for fast and affordable international money transfers with extensive reach.
Western Union
Pros:
- Extensive global presence with many agent locations
- Offers $0 fee on first transfer promotion
- 24/7 availability for transfers
Cons:
- Higher fees compared to some competitors
- Can be slower for bank transfers in certain areas
A trusted name for global money transfers with a vast network and reliability.
PayPal
Pros:
- High security with fraud protection
- Integration with online shopping and crypto trading
- Widely accepted for peer-to-peer transfers
Cons:
- Fees can add up for certain transactions
- Occasional app performance issues reported
A versatile app for sending money, shopping, and more with strong security features.
Xe
Pros:
- Real-time currency exchange rates
- Low fees for transfers
- Trusted by millions globally
Cons:
- Limited to bank transfers in many cases
- Fewer cash pickup options compared to others
Excellent for currency exchange and international transfers with live rate tracking.
Xoom
Pros:
- 24/7 fraud monitoring and protection
- Fast transfer times to many countries
- Integration with PayPal for added security
Cons:
- Fees can be higher for certain services
- Limited to specific countries for some features
A secure and fast option for international money transfers, backed by PayPal.
Ria Money Transfer
Pros:
- $0 fee on first transfer with promo code
- Wide network of agents worldwide
- Competitive exchange rates
Cons:
- Transfer speeds may vary
- User interface could be more modern
A cost-effective app with global reach and promotions for first-time users.
WorldRemit
Pros:
- Low fees and guaranteed delivery times
- Easy to use for beginners
- Supports bill payments and tuition fees
Cons:
- Limited to bank and mobile money transfers in some areas
- Fewer cash pickup locations
A simple and secure app for sending money abroad with low fees and guarantees.
Cash App
Pros:
- Free instant transfers between users
- Investment options including stocks and bitcoin
- User-friendly design with additional banking features
Cons:
- Security concerns reported by some users
- Limited international transfer capabilities
A versatile app for peer-to-peer transfers, investing, and more with a modern interface.
Taptap Send
Pros:
- Low fees and fast transfer times
- Simple interface designed for quick sends
- Good for supporting family in developing countries
Cons:
- Limited to certain countries for transfers
- Fewer features compared to larger apps
An affordable and fast app focused on sending money to specific regions with ease.
BOSS Money Transfer
Pros:
- High customer satisfaction ratings
- Fast and secure transfers
- Affordable pricing with no hidden fees
Cons:
- Smaller network compared to giants like Western Union
- App may lack some advanced features
A highly rated app for secure and affordable international money transfers.
Skrill
Pros:
- Supports online payments and transfers
- Secure and fast transactions
- Integration with e-commerce platforms
Cons:
- Fees can be high for certain services
- User interface may feel outdated
A versatile app for online payments and money transfers with global reach.
Comparison Insights
Key Differences
Apps differ in transfer methods (e.g., cash pickup vs. bank transfer), fee structures, and additional features like investing or bill payments. Some focus on specific regions, while others have global coverage.
How to Choose
Consider transfer speed, fees, security features, recipient options, and user reviews. For international use, check exchange rates and country availability.
Common Limitations
Most apps cannot handle large transfers without verification, may have delays based on destination, and often exclude certain countries or currencies.
Emerging Trends
Increased integration of blockchain and cryptocurrency, enhanced security with biometrics, and more personalized offers based on user behavior.
Key Insights
Money transfer apps vary widely in fees, speed, and reach; security is paramount, with apps like PayPal leading in fraud protection. International transfers often have higher costs but apps like Remitly offer competitive rates. User experience is crucial, with simpler apps favored for quick sends.
Buying Guide
Essential Features
- •Secure encryption and fraud protection
- •Low and transparent fees
- •Fast transfer speeds
Nice to Have
- •Multi-currency support
- •Real-time tracking notifications
- •Additional services like bill payments
⚠️ Red Flags
- •Hidden fees or unclear pricing
- •Poor customer reviews regarding security
- •Limited country coverage for transfers
Pricing Expectations
Expect to pay small fees per transfer (often 1-5% of amount), with free options for domestic peer-to-peer sends; value increases with frequency and specific needs.
Frequently Asked Questions
What are the typical fees for international money transfers?
Fees range from 1% to 5% of the transfer amount, plus possible exchange rate margins; apps like Remitly and WorldRemit often offer lower rates for first-time users.
How do I choose between a free and paid money transfer app?
Free apps are great for domestic sends or basic use, while paid apps may offer better security, speed, and features for international transfers; consider your frequency and needs.
Is it difficult to set up and use these apps?
Most apps have a low learning curve with intuitive interfaces, but international transfers may require additional verification steps; start with simpler apps like WorldRemit if you're new.
Conclusion
The best money transfer apps for iOS in 2025 excel in speed, security, and affordability, with options tailored to various user needs from international remittances to domestic peer-to-peer sends.
After careful comparison, the key differentiators in this category are: Apps differ in transfer methods (e.g., cash pickup vs. bank transfer), fee structures, and additional features like investing or bill payments. Some focus on specific regions, while others have global coverage.
Our Final Recommendation
Choose Remitly for overall reliability, Cash App for free domestic use, or PayPal for enhanced security and features based on your specific requirements.
What We're Hoping to See in the Future
Expect continued innovation with AI-driven personalization, broader cryptocurrency integration, and even faster cross-border transfers in the coming years.
Current Trends: Increased integration of blockchain and cryptocurrency, enhanced security with biometrics, and more personalized offers based on user behavior.