The 30 Best Ways To Send Money

By: Heather Hanks June 01, 2019

If you owe someone money, it can be hard to know how to get it to them. It’s even more difficult if that person lives in another country. Thanks to the internet, there are plenty of ways to send money that do not take much effort at all. They are also 100% safe and guaranteed so that your information stays secure. Your recipient will receive their money with a click of a button. We’ve narrowed down the top 30 best ways to send money so you can continue to make online purchases and more. Our list includes the best ways to send money internationally, too.

money transfer

Most online platforms charge a fee for their services. This rate can be higher for someone in another country. Some platforms also allow you to change currency to best meet your recipient's needs. All you have to do is link your bank account to the platform and enter in your recipient's email address. They may have to link their bank information as well. This list provides a detailed overview of all the safe ways to send money so you don’t have to worry about where your money goes. We’ll also show you the best ways to send money fast if your friend or family member is in a pinch!

1. Venmo


Venmo is one of the best ways to send money. It works especially well if you need to send money through your mobile phone. The service is free to use as long as you link your bank account. You can also link your debit card or prepaid debit card. However, if you use a credit card to send or receive money, then it will cost you 3% of the transaction. The service allows you to send almost $3,000 per week! Your transactions are displayed on your phone via a news feed. You’ll also be able to see your friends activity without the amounts.

Venmo is one of the highest rated money-exchanging apps, especially for Android and iOS phone users. This is because it’s free and easy to use. It’s also socially engaging due to its news feed features. Some reviewers claim that their accounts have been put on hold after violating certain terms, such as using it to pay for items that are sold personally. Keep in mind that money you receive shows up on your balance, but you’ll have to wait three business days to cash it out your bank account. The good news is that you can transfer your funds to a debit card within 30 minutes of receiving your funds. Venmo charges a 1% fee for this transfer service.

2. Google Pay

google pay

Google Pay is one of our top picks for the cheapest ways to send money. It's also one of the fastest ways to send money. You can transfer money for free using your email address or phone number through Google Pay. If you download the in-app wallet to a credit card, you can also cash out your money for free within minutes. This allows you to instantly transfer money from account to account.

With Google Pay, you can link your bank account and debit card to transfer funds. However, prepaid cards and credit cards will not work. For this reason, we recommend having an active bank account with a debit card before using Google pay to send money. Additionally, Google Pay will synchronize with other Google accounts, including your Gmail account. The company will cover 100% of all unauthorized verified transfers. It's also easy to use. You can send or request money by clicking the dollar sign at the bottom of your email when you use your Gmail account.

3. Zelle


Zelle is one of our top picks for easy ways to send money because it's simple to use and it transfers money quickly. The app allows you to transfer money within minutes between bank accounts of different institutions. The best part is that Zelle’s services may already be downloaded on your smartphone. There are currently over 200 different credit unions and banks that use Zelle. Because of this, it is estimated that nearly 95 million people have access to the service on their mobile app. You can also download the Zelle app even if your bank account isn't part of the network or your phone doesn't already come with this software.

To use the Zelle app, you will need a bank account in the United States to send and receive payments. The company does not charge any fees for its services. Your bank is responsible for setting limits on how much money you can transfer. Most banks allow you to transfer a maximum of $2,500. Keep in mind that Zelle does not allow you to buy or sell personal items. The company will not protect you for these transfers. Also, you may be out of luck if you send money to the wrong person. This is because Zelle does not have a great protection system. For this reason, you will want to change your password often to keep your information secure.

4. Transfer Wise


Transferwise is one of the cheapest ways to send money. It’s our top pick for convenience, too. Transferwise helps you balance your costs with its online mobile money transferring platform. You need a Google or Facebook account to sign up. Or you can create an account using the Transferwise platform. Your exchange rate is guaranteed for one day. You’ll also gain access to the app’s live chat feature, which connects you to a team member to answer all your questions. Plus, Transferwise offers easy cancellation services and previous details on money exchanges. You can send money from the United States to over 70 countries worldwide without any additional fees for international rates.

We love Transferwise because it does not subject you to foreign exchange mark up rates. You can also handle all of your business online using your mobile phone. Most of the time, you'll have to pay a flat rate fee. This increases with the amount that you sent as well as a percentage of the transaction, which is usually less than 1%. Delivery takes several business days if you are doing an international exchange from the United States. The more money you send, the larger your fee will be. However, there are no additional fees for international exchanges. Many other apps and money transfer programs will charge you for international exchanges.

5. OFX


OFX is one of the cheapest ways to send money because they do not charge any fees at all! In fact, OFX does not charge fees no matter how much money you send. While other services make money off you by charging a percentage of what you send, you can relax knowing that OFX doesn’t do this. It’s an online service that allows you to make transfers at the current exchange rates or even the future rates. In other words, your money will transfer once your exchange rate is met and the markups are low enough. You can send money to over 80 countries worldwide from the United States.

The only downside to using OFX is that they have a maximum transfer rate of $1,000. This means you cannot send more than $1,000 at one time. It also takes several days for the money to transfer over into your account. But this is typical of most online services. Many people like the convenience of the online transactions without any fees, especially if you send a lot of money internationally and don’t want to pay extra.

6. Xoom


Xoom is our top pick for the fastest way to send money. It allows you to transfer money to bank accounts internationally within minutes. You can send money to over 70 countries worldwide from the United States. Keep in mind that the time it takes to cash this money may vary based on each country. The money transferring online service allows you to send up to $25,000 at one time to some countries. However, some countries only allow you to send $10,000 at one time. This amount is even lower in other countries. You will need to check the rates and conditions within each country before sending money so that you know what to expect.

You can use your debit card, credit card, or bank account to send money. Most of the time, your recipient will receive the money within minutes. Xoom works by partnering with major banks in other countries. This allows users to exchange money within bank accounts quickly. You can also arrange for a cash pickup or mobile phone reloads when exchanging money through Xoom.

The only downside to using Xoom is that it may cost you more money. Transfers from one bank account to another are free. however, fees can be high if you send money using a debit or credit card. Xoom charges for exchange rates and offers better rates for people sending higher amounts to some countries and not others.

7. PayPal


PayPal is one of the most popular online pay to pay services available. It features a high transfer maximum, which means that you can transfer a high amount of money without additional fees. If you live in the United States, then you can use PayPal for free to make online money transfers. You'll need to setup a PayPal account or you can link your PayPal account to your bank account. This is the easiest way to send and receive money. When you pay with a credit or debit card, you'll experience a 2.9% transaction fee plus $0.30. Transfers from bank account to bank account are free.

PayPal allows you to keep the money you receive within your PayPal account and make online purchases. Or you can transfer the money to your bank account. It usually takes several business days for the money to transfer from your PayPal account to your bank account. The maximum amount of money you can transfer per week is $10,000. If you're transferring this much money, then we recommend doing it through a bank that provides insurance. You can use PayPal on your desktop, Android phone, or Apple phone. You can also use your PayPal account through PayPal. Me, which allows you to create your own link where you can be paid in a direct manner.

8. Walmart 2 Walmart


Walmart 2 Walmart offers a better way to transfer cash. the service is less expensive to use and most money transfer in companies, such as MoneyGram and Western Union. You can send money to one of the thousands of Walmart stores located in the United States. Your recipient can pick up the money within minutes. The money can be used where ever. It does not have to be spent at Walmart. The maximum amount of money you can send through their cash transferring service is $2,500. Fees associated with this service may reach up to $6. This is a good service to use if you're sending money to someone who frequents Walmart often or has access to one locally. It's certainly safer than sending cash in the mail!

9. MoneyGram


MoneyGram is a service that allows you to transfer money or cash to bank accounts that can be picked up worldwide. The service works by controlling a network of 350,000 locations. These locations are spread between more than 200 territories and countries. This means that you can send cash virtually anywhere for your recipient to pick up.

Transfers between different locations can be done within minutes. This means that you can get money to anyone wherever they need it quickly. Transfers that are made by mobile devices or online that are sent to bank accounts in other countries may take one business day. Some providers may take several business days to process your request.

The only downside to using MoneyGram is that they charge a fee. The maximum amount you can send is up to $2,000. These May range from $5 to $35, depending on the country you said money too. Exchange rates may also cause a problem as the average markup is around 3%.

10. WesternUnion


Western Union is one of the most well-known ways to send money. They have an extensive worldwide system of locations that allows you to send money virtually anywhere. They also offer many different ways to send money. The service is perhaps the biggest money transfer company around the world.

One of the benefits to using Western Union is that there are several ways to send money. You can use the online price estimator tool to see several combinations of your options You can also check out your payment methods and delivery options. The most common features include using the Western Union mobile app or website to send money. You can set up your bank account, credit card, or debit card to transfer this money. You can also send money using a nearby agent location to send cash when needed.

Western Union is the best choice if you need to send money to places that other online platforms won't. The network covers over 200 countries and territories and services more than half a million of locations across the world. Some transfers may include same-day or next-day delivery, but these come with a fee. Online transfer options are generally the cheapest ones. These can take several business days to get your money. The company does a good job of protecting you from fraud. This came out of a federal government agency court ruling that required Western Union to pay up for not taking action against fraud impact cases. If you're looking for a safe and secure way to send money, then Western Union might be your best bet.

11. InstaREM


InstaRem is an online service that allows you to transfer money overseas without hidden fees. The company offers zero margin fixed rates and easy transfers. All you have to do is sign up online, verify your account, and then you can start sending money. You will know the exact amount of money your recipient gets every time you transfer, no matter what country they are in.

InstaRem has online tools to help you determine the currency exchange rates that vary per country. For example, if you send $1,000 in US currency, you'll be able to see what the exchange rate will be in each country you send to. The company also offers a bonus points rewards club that you automatically sign up for when you join. You’ll earn bonus points each time you transfer money. You can cash in these rewards to reduce fees associated with transactions.

12. Cash


There are different ways to send money that don't include online platforms. Sending cash is one of them. Although sending cash through the mail is risky, it’s the easier way to avoid hidden fees when using a website. Plus, you reduce the risk of having your identity or personal information hacked into when you send cash via the mail. You won’t have to worry about currency exchange rates or other factors that are associated with online transfer systems. As soon as the money arrives to your recipient, your work is done! If you’re sending money domestically, then you don’t have to worry about exchange rates anyway.

It’s always a good idea to disguise money when sending it via the mail or package it well so that it’s not obvious that your envelope contains cash! You can always hide your cash in a larger box or send it with other shipments. This will help prevent your cash from being stolen. Many people like the convenience of sending cash in the mail so that they don't have to rely on electronics that can be hacked into. Phones and internet usage are convenient, but they run the risk of being hacked into. This can increase your risk of identity theft. On the other hand, there is no insurance associated with sending cash. If your money is stolen or lost, it cannot be replaced.

13. Check


Sending a check is a safer option than sending cash. If your package is tampered with, then the person who receives your check will still have to go through the trouble of cashing it. They may have a hard time cashing a check for someone else if it is not made out to them. For this reason, it may be safer to send a check rather than sending cash if you owe someone money. Sending a check also lets you bypass the electronic services of online money transferring. You are less likely to have your identity stolen or enter your bank account information into a system that could be hacked.

Many people find checks convenient to send. They are also low-cost, which makes them a good option if you want to save on hidden fees. Most banks or credit unions will provide you with free checks as long as you have a bank account open with them. There is generally no limit to how many checks you can obtain if you are a credit account holder. Keep in mind that your check may include your bank account information on it. Some people do not want to send this information to someone they don't know or trust. You can use a check as a last resort if you do not want to use online repayment system.

14. Bank Transfer


Some banks offer free money transferring services between branches. You will have to check with your bank to see if they offer this service. If the banks are the same, there should be no charge for this service. However, your bank might charge a fee to transfer between accounts. There might not be a charge for cash pick-up for another member at the same branch. This is a good way to send money to someone in another state who goes to the same bank.

You may have to pay a fee if the person you are sending money to is another country. Then you might have to pay a fee as well as currency differences. Check with your bank or credit union to see if they offer this service. You might even be able to transfer money directly into someone else’s accounts if they bank at the same location. The first time you transfer funds, your bank may want to review the transaction. If you make a habit out of sending money to other account holders, your bank may transfer your money quicker with less of a review process. It may take several days for the money you transfer to be approved, especially if its international money.

15. Ayden


Adyen is an online marketplace that allows you to transfer money anywhere in the world. It’s a great platform to use if you intend on buying or selling items. This is because it acts as a platform for exchanging money and goods. Adyen allows you to set up payments with an all-in-one platform. You can expand your business, manage your risk options, and track results from one area. With Adyen , you can split your funds or payments between one or more people. You can also move your payments around as needed. This includes holding and settling funds no matter where you are.

Adyen is designed to target the business-minded organizations. This means that if you are sending money for personal reasons, you may want to find another model to use. The system also appears to be used primarily in Europe. They offer payouts in over 25 countries. Payments can be made in US currency and EU currency within 30 minutes. It’s an ideal way to pay workers or other people you do business with. You can move funds between your accounts as well as your merchants accounts. You can also make payouts to bank accounts and cards manually or on a schedule.

16. Dwolla


Dwolla is an online platform that allows you to make payments without extensive fees. With Dwolla, you can send money for personal and business reasons. You can also request money to be sent to you for free. They have an ACH network with a new white label API that allows you to use the convenience of money transferring without high fees. Many other apps and platforms charge extra money to use credit cards to send payments, but Dwolla works around this by not allowing credit cards.

Dwolla works around these fees by allowing you to connect directly to someone else’s bank account. This allows the user to save money by working around credit card fees and depositing money directly into someone’s bank account. However, Dwolla charges for its API service. The white label API is designed to create ACH transfers around 40 hours. They can also submit live payments within days. All transactions with Dwolla are free. Because you are not submitting your credit card information to Dwolla, you won’t have to worry about this information being stolen.

17. Skrill


Skrill is a money-transferring app that you can download to your smartphone. It allows you to send and receive money, store your cards on your account, and link your bank account. You can also use Skrill to pay for your online items anytime. All you need is your email address and password. Skrill states that your security is a top priority. They keep your personal information and payments safe with an anti-fraud protection service on every transaction. Anyone can use Skrill. All you need is an email address. L

ike most online money-transferring services, Skrill charges a fee for its services. They take 1.45% of your transactions. This can add up if you are sending a large sum of money. All it takes to get started is to follow three easy steps. First, you’ll need to set up an account. This only takes a few minutes. You’ll create a Skrill wallet by entering all your personal information as well as your currency details. There are currencies from 40 countries to choose from. You’ll need an active bank account and email address to register. Then you can start sending money. The app allows you to store your cards for easy transfering. You can also withdraw funds and move them around in your account as needed.

18. WePay


WePay is a Chase Bank company that allows you to transfer money. It was built exclusively for online use. The company was originally designed to be a competitor for PayPal. It serves as an easy way to process money. Just like PayPal, WePay charges 2.9% and $0.30 per transaction. WePay is best suited for crowdfunding and basic ACH, credit and debit card processing. It’s not a good idea if you need to process business funds of over $5,000 per month. It also isn’t ideal for eCommerce businesses that only accept PayPal payments.

Like most online platforms, WePay charges you for credit card transactions. They also charge a 1% fee plus $0.30 for ACH transactions. The credit cards that they accept include Visa, Mastercard, Discover and American Express. There is no monthly fee and there is no monthly minimum amount that you can send. They will charge you $15 for any chargebacks and disputes. You can cancel your account anytime. This is a good platform to use if you’re sending less than $5,000 or $10,000 a month due to the high percentage rates. You may want to look into other platforms if you need a high expense business account to send money.

19. ProPay


ProPay is a company that was founded in 1997 for the purpose of sending money. It works well for small business owners that need to distribute money to employees. They offer credit card payment options for small businesses and payment processing options for Enterprise businesses. They also have global disbursement and commission payment options. There are payment solutions available for marketplaces, software providers, payment facilitators and more. You can pay by text or use their one-click email options to send money. With ProPay, you can set up your business to send and accept credit card payments as well as ACH processing. They accept all major credit cards and debit card brands.

ProPay has four different levels that you can use for your business to send money. You can use the premium plus, platinum card reader, premium, or premium and card reader plans. All options allow you to have mobile access and make payments by credit card. Each plan also allows banks transfers, single transaction limits of $500 and monthly transaction limits of $3,000. Be prepared to pay annual fees and sign up costs for each plan. If you’re not a business owner and need a cheaper way to send money, then we suggest considering another platform.

20. Intuit


Intuit is a company that is well-known for their ability to help with tax preparation. They can also be used for personal finance management and small business accounting. They work with QuickBooks to help you send and receive credit card and debit card payments. They also work with ACH bank transfers so you can send money easily. They offer next-day depositions so that your recipient can receive their money quickly. With Intuit, you can send money through your mobile phone by using a Pay Now butter. You can also accept ACH bank transfers and credit card payments. You can make payments through your phone by entering your recipient's credit card or debit card numbers.

They also have a free mobile card reader that allows you to swipe and accept debit and credit cards anywhere. Then your transactions will appear in your QuickBooks account so you can keep track of payments. You can send payments on a schedule or pay as you go. There are no monthly or setup fees. The company charges 1% with a $10 maximum on ACH transfers. They also charge 2.4% for swiped transactions, 2.9% for invoiced transactions, and 3.4% for keyed transactions. All of these charges come with a $0.25 transaction fee. This is an ideal company to work with if you’re a small business owner and have experience with QuickBooks.

21. 2CheckOut


2CheckOut is an online payment processing center that allows you to send and accept payments anytime and anywhere. It's another online model that works well with small business owners because it allows you to make payments and keep track of them. The company was founded in 2006 and currently has over 17,000 clients. The company also services over 180 countries. This means that you can send money to virtually anywhere in the world using this platform. The company specializes in a global payment processing system that feels local. They guarantee that you won't experience any headaches while working with them.

The 2CheckOut platform allows recipients to accept payments all over the world. They provide a secure and localized buying experience no matter what country you're in. They also allow you to select which country you are interested in so that your recipients can utilize the platform in their own language. Again, this platform is best suited for small businesses and not necessarily personal affairs. If you are looking for a one-time payment to send to someone across the country or world, then we recommend going with another service.

22. Payza


Payza is an online platform that allows you to send and receive money almost anywhere in the world. You can also use this platform to shop or make online payments. The company guarantees that you'll be able to send money online or receive payments with these. They offer instant online money transfers as well as Innovative security to protect your information. Payza is a great service to use if you're looking for personal ways to send money across the globe. in other words, you don't have to be a small business owner to best utilize the service.

Sending money through Payza is easy. You can set up your account for free and link your bank account or credit card. The company allows you to send money to over 190 countries and they support 25 currencies. You can also use your credit card, bank account or e-wallet to shop online and make payments. The company states that sending money online as always free when you use their platform. They also guarantee that they keep your personal details secure. Their online resolution center is always available to help if you have any problems with your transactions.

23. Payoneer


Payoneer allows you to make quick, secure, and easy global payments. The company is specifically designed to suit the needs of small business owners and entrepreneurs. When you sign up withPayoneer, you'll be able to send money for free as long as the other member of your party is also an account holder. Once you use your payment system for the first time, you can automatically start receiving payments to your account. If your recipient is not a member of the Payoneer network, then you can send them money by entering their address. From there, your recipient will be able to sign up for free and receive their money.

Payoneer allows you to send money to people and over 200 countries as long as they are an account holder. The service is always free to use. The company states that you can transfer funds within minutes. This means that your recipient will have their money quickly. To send money using the Payoneer platform, sign in to your account and select the make a payment button in a drop down menu. From there, enter your recipient’s information and how much money you'd like to send. Once you hit the send button, your recipient should have their money within a few minutes.

24. Cash App

Cash App

Cash app allows you to send money instantly through your mobile phone no matter where you are in the world. You can download the app to your Apple smartphone. It is not available for Android devices.

After you download the app, you can send money and request money from anywhere in the world to anyone in the world. A company claims that sending money is always free and they will send you a free debit card within the first week. You can use this debit card to continue to make payments or send money to anyone. This would be a great app for anyone looking to send money for personal reasons and small amounts whenever they want to anyone in the world without additional fees. The app also allows you to buy and sell Bitcoin.

25. FaceBook Messenger


Facebook Messenger is often an overlooked method for sending money. It's a great way to send money because most people have a Facebook social media account. Your recipient will need to be a Facebook account holder to receive their money. Signing up for Facebook and Facebook Messenger is always free. To send money using your Facebook Messenger account, you will need to link your bank account to your Facebook profile.

This information will not show up on your public news feed. You will also need a bank account and a debit card to send money to other Facebook account holders. Currently, you can only send money to to your smartphone and send money immediately. After you enter your bank account information for the first time, the app will save your information so you can make recurring payments or send money anytime.people in the United Kingdom, France, and the United States. You can download the app

26. Square Cash


Square cash is a company that opened in 2013 and claims they are the fastest way to send money to anyone. All you need to send money to a person is their email address or phone number. Then you could use your debit card to send them money. The company was launched with a personal vendetta in mind to help people split restaurant bills or vacation costs. The has advanced to helping people send thousands of dollars across the world. The app currently has a five star rating in the App Store and on Google Play.

Although Square Cash originally started out for personal use, it can also be used for businesses. Small business owners such as landlords, lawyers, and dog walkers can use it to collect money from clients. Square Cash is currently available for businesses everywhere in the United States. It works by depositing money directly into the recipient's bank account as opposed to a holding account. They charge a rate of 1.5%. The company is the founder of $CashTags, which is similar to a hashtag and allows you to create a unique personalized name. This allows you to be paid or send money privately on the app without exposing your real name.

27. Circle Digital Wallet App

Circle Digital Wallet

Circle allows you to send money through different currencies throughout the world. According to the website, the service is as easy to use as texting. It’s also free and offers instant cash out options. They also offer group pay systems where you can settle with your friends during a group chat of up to 20 people. This allows all your friends to chip in for what they owe without having to send money privately. Circle is available in 29 countries that offer US currency. They also have British pounds and euros available. Although it’s free to send money, the app charges you if you have to change currencies. You should be able to see the rate they charge before you send the money for currency exchanges.

With the Circle app, you can use Face ID and Fingerprint ID to secure your personal information. You can also insure deposits of up to $250,000 to make sure your money is safe. The app has two levels of encryption to secure your account details. There is also a two-factor authentication process required for login. You can sign up for text verifications to ensure you are notified whenever someone tries to log in to your account.

28. Venstar Exchange

Venstar Exchange

Venstar Exchange ensures that you will be able to process safe and secure international payments. This means you can send money to anyone in the world safely. The website says you can send and receive international wires in a safe and effective way. All transfers are processed within one business day. They are fully traceable so that you can expect a safe transfer of money each time. The company states that they work with the world’s largest international banks to make sure you can send money anywhere in the world. The company has been in business for several years and offers personal advisors if you need help with finances.

29. World Remit

World Remit

World Remit is a money transferring service that allows you to send money online. When you first visit the website, the company allows you to pick a country to send money to. The company claims that their services are fast and easy to use. They show all fees upfront before you send money. You can transfer money through a bank deposit where the money is sent straight to the recipient's bank account. You can also arrange for cash pickup or airtime popup. Money can be sent directly from your phone. All you have to do is link your bank account to the app.

30. XE Money Transfer

XE MoneyTransfer

XE Money Transfer is an online international money-transferring service. They offer free personal and free business accounts. The company works with more than 220 financial institutions and leading brands. These include Google, Amazon, Walmart, Visa, Mastercard, and Apple. They allow you to send money to 170 different countries and they offer 60 different currencies.

The company claims that they can beat the typical fees associated with traditional bank transfers. They do not charge transfer fees and guarantee that you’ll always know how much money you are paying for the service. You can also track and manage your money anytime of the day or night. All you need is a mobile phone and an active bank account.

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CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.


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