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12 Best Ways to Transfer Money Advertiser disclosure You’re our first priority. Each time. We believe that every person should be able to make financial decisions with confidence. Although our site does not include every company or financial product that is available on the market We’re pleased of the advice we offer, the information we provide as well as the tools we design are objective, independent, straightforward — and completely free. So how do we make money? Our partners pay us. This could influence the types of products we write about (and where they are featured on the site), but it doesn’t affect our recommendations or advice that are based on many hours of study. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. . 12 Ways to Transfer Money Spencer Tierney Senior Writer | Certificates of deposit and ethical banking, as well as banking deposit accounts Spencer Tierney is a consumer banking writer at NerdWallet. He has been covering the personal financial sector since, with a particular focus on certificates of deposit, as well as other banking issues. The work he has written for him was featured in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He’s based in Berkeley, California. And Ruth Sarreal Content Management Specialist Bank accounts bonus bank accounts Ruth Sarreal is a content manager who covers the topics of banking for consumers at NerdWallet. She has more than a decade of experience writing and editing for consumer websites. She previously edited content on personal finance topics for GOBankingRates. Her work has been featured on Nasdaq, MSN, TheStreet and Yahoo Finance. Oct 3 2022 Written by Yuliya Goldshteyn Assistant Bank Yuliya Goldshteyn is a bank editor with NerdWallet. She previously worked as an editor, writer and research analyst in a variety of industries, from health care to market research. She graduated with a bachelor’s degree in history at University of California, Berkeley. University of California, Berkeley and a master’s degree in social sciences from the University of Chicago. She can be reached by email at

. A majority or all of the products we feature are made by our partners who pay us. This influences which products we write about as well as the place and way the product is featured on a page. However, this doesn’t influence our evaluations. Our opinions are entirely our own. Below is a list of and . We’ve got our picks of the best methods to transfer money. Best for mobile Best for referral bonuses the fastest domestic transfer Most popular online Transfers that are not bank-based: Best for sending more than $10,000 within the U.S. The cheapest transfer rates for international bank-to-bank the fastest for international transfers best for large amounts across the globe: Best for transfer options that are easy to sign up: The year’s best bank accounts Are you switching banks? Need a high-yield savings account that offers a good rate? Check out our Best-Of Awards for 2023. If you are looking to send funds online, the best method to send it depends on how and where you want to send it. We compared charges, speeds and other features to find the most reliable domestic and international money transfer services. Remember to use these services to make sure you’re paying the right person. In most cases there’s no guarantee of the money back if it is not sent to the correct recipient. • Protect your funds: Learn the reasons why you should trust NerdWallet: Our writers and editors adhere to strict guidelines standards to ensure that our content is accurate and fair and you’re able to pick the best option for you. Check out a brief overview of our choices How to transfer money online on mobile or in person. Best ways to send money: Domestic Venmo Best for mobile. Cash app: Best for referral bonus. Zelle is the fastest to transfer money domestically (tie with Google Pay). Google Pay: The fastest transfer for transfers to domestic accounts (tie the record with Zelle). PayPal: The most popular online. Walmart2Walmart: Best for nonbank transfers. Wire transfer to bank: Best to send $10,000 or more within the U.S. The best ways to send funds: International MoneyGram: Cheapest for international bank-to-bank transfers. The fastest in international transactions. OFX: Excellent for large international transfers. Western Union: Best transfer options. The Wise is the best option for simple sign-up. The best ways to transfer money to U.S. U.S. Below is a list of the top ways to send money to the United States. Venmo: Best for mobile Why it’s our pick Highly rated app available to use on iOS as well as Android. Free, easy, socially engaging money transfers. + Venmo brief overview, Venmo’s rating for its app is among the highest of the companies in the US we evaluated: 4.2 stars in the Google Play Store and 4.9 in Apple’s App Store. It’s completely free to send and receive cash by linking an account at a bank or debit card, or a the prepaid debit card. The cost of using a credit card is 3% on the amount you pay. Just a couple of taps on Venmo after you’ve verified your identity, you’re able to make payments of up to $60,000 per week. Your and the transactions of your friends appear with no amounts- on a news feed. If you’d rather keep your transactions private, you can change your settings so only your friends, or you and the person you’re paying or receiving money from will be able to see them. Important to know about Venmo Money you receive appears immediately within Your Venmo balance, but the process of cashing it out into a savings or checking account can take up to three days . Additionally, you can transfer money to a credit card, typically within 30 minutes, for a 1.75 percent fee. (For more details, read .) Back to top Cash App Best for referral bonuses Why it’s our pick: 5 dollars in bonus cash when someone else is referred to you by your referral code. sign up and send money. No charges for sending or receiving money. + Cash App in a nutshell Cash App lets you send and receive cash for free by cashing out your linked bank account or debit card. You can set up your own unique $Cashtag or username within the app to make it easier for people to locate you and make it easier for them to send you payments. Contrary to the other P2P applications and methods to transfer money, on this page, Cash App offers a $5 bonus when a person signs up with your referral link and then sends at least $5 from the account they have created. Noteworthy to know about Cash App You’ll have to possess a checking account with a financial institution to make use of Cash App. Cash you receive will appear immediately in your app balance, but it will take one or two days to allow the money to appear in your bank account if you decide to transfer it. Cash out immediately to your debit card but you’ll have to pay an 0.5 percent -1.75% cost. You’re only allowed to send and receiving a maximum of $1,000 per month. If you wish to increase your limit you’ll have to provide more personal information such as the full address of your name and birth date as well as the four digits of your Social Security number. If you send money through a credit card you’ll be charged 3. (For more information, please refer to .) Return to top Zelle is the fastest (tie in with Google Pay) Why it’s our choice: Delivery is likely to be within minutes. Already integrated with over 1000 financial institutions, it is able to connect over 100 million users. + Zelle in a nutshell Zelle it is possible to transfer and receive money in a matter of seconds between banks in various financial institutions. You may already have access to Zelle’s service through your bank’s website or mobile app. Over 1,000 credit unions and banks are in the network and that means the 100 million customers they serve can use Zelle through their bank’s site or mobile application. Even if your financial institution doesn’t on the network, Zelle can be downloaded as an individual application. It is important to be aware of Zelle You’ll need a U.S. bank account to make and receive payments . Zelle does not charge any fees, though any of its partners banks may choose to. Although limits vary by bank, some of the largest banks set daily limits of $2000 or more. Zelle is not designed to purchase or sell items and therefore you are not covered from those transactions. Additionally, if you make a transfer an unintentional person, or transfer the wrong amount, you might be in trouble. Security is limited to the event that someone else steals your Zelle account or password and then uses it to transfer money. Back to top Google Pay: Fastest (tie with Zelle) The reason we chose it as our pick: Instant transfers to debit cards at a lesser cost than the other P2P payments services charge. The seamless integration of the money transfer service in email. And Google Pay in the simplest terms Google Pay allows you to transfer money for free by using a QR code, the recipient’s name, phone number or email address. You can also make a cash withdrawal immediately from the app wallet to a debit card at an additional 1.5 percent cost. In case you’re in a rush it’s possible to cash out without cost to a bank account, that takes between one and three business days. The maximum you can deposit is $5,000 each day. Credit and debit cards can fund transfers, but the credit card and prepay cards are not eligible. The most important thing to know about Google Pay Google Pay covers 100% of all verified unauthorized transactions that aren’t the norm for all money transfer applications and services. Back to top PayPal most popular online Why it’s our pick: High transfer maximum. Over 400 million accounts are active around the world. + PayPal in a nutshell PayPal provides free transfers to the U.S. when you fund with a bank account or PayPal balance. Credit card payments — and unlike other service providers one that accepts debit cardscomes with a cost: 2.9 percent of the sent amount, plus 30 cents. Bank account transfers are free. It is important to be aware of PayPal Depending on your currency, the maximum amount you can transfer per transfer can range from $10,000 to $60,000. If you’re sending that amount of money, making it through a bank provides greater security for your balance like FDIC insurance. Transferring money into banks for free can take one to 4 business days contingent on if the transfer was made within 7 p.m. ET or on the weekend. You can also pay instantly to a debit card linked. You can transfer or send money on the website or mobile app on iOS and Android or via PayPal.Me, where you create your own link which your family and friends can use to make payments. (Read our .) Back to top Walmart2Walmart Best for non-bank transfers. Why we picked it A convenient option to send money to and/or from the Walmart store. + Walmart2Walmart in an easy way If you need to transfer cash, Walmart is a convenient choice, particularly when you and/or the recipient are near a store It is possible to transfer funds via an Walmart store for pickup at a Walmart. Walmart has a partnership with a variety of payment service providers which means you can transfer money via anywhere in the world via MoneyGram, Ria or Western Union location for pickup from any one of the 100s of U.S. Walmart stores, where the recipient can collect the money in minutes. In the same way, you can send money from a Walmart for pickup in just a few minutes at the Western Union or MoneyGram location. (Ria locations don’t offer a pickup option.) Important to know about Walmart2Walmart In most states, the maximum amount you can pay per day is $2,999.99 and the prices start at $2.50. (For more details on Walmart financial services including information about how to file an FTC suit against Walmart, read our .) Back to top Bank wire transfer: B est for sending $10,000 or more within the U.S. The reason we chose it as our choice: Transfers large amounts between banks another within hours or minutes. The bank wire process in a short summary Making a wire transfer via your bank could be the best option to transfer large amounts quickly. As convenient as P2P apps can be however, they restrict the amount you can transfer, typically $1,000 to $10,000 per transfer and delivery may take multiple days. In comparison, bank wire transfers generally arrive within hours or minutes. + Important to know about bank wire transfers. There is a high fee for wire transfers. According to an examination of the largest banks, the median domestic wire fee for sending money is $25, and $15 for receiving (see ). If you’re required to send large amounts of money in a matter of some minutes, however it could make sense. Are you interested in sending money by wire? Discover the best methods to make foreign money transfer Below you’ll discover our picks for the best methods of sending money abroad. When you make a transfer to another country, you will typically encounter two costs: the fee for sending money (also known as the outbound or upfront fee) as well as fees for foreign exchange as well as the markup on the exchange rate used by financial institutions to transfer money between themselves. Examine both fees to get the best deal. + See advice for money transfers and definitions for the most commonly used money transfer terms of Money Transfer Rates Three rates decide the amount your transfer will cost and also how much cash your beneficiary will get. Exchange rate: An exchange rate is the value of one currency in relation with another one. For instance, if are looking to change U.S. dollars to euros it is important to know what each U.S. dollar is worth in euros. Midmarket rate The midmarket rate sometimes referred to as the interbank rate or interbank exchange rate, is the exchange rate big banks use to swap currencies with each other. Exchange rate markup: Many companies use the markup of exchange rates when they price transfers. They offer customers an exchange rate that’s the midmarket rate, plus the additional amount, or markup, to make an income from the transfer. Example of this: If the midmarket rate in the exchange of U.S. dollars to Mexican pesos is 20 psos per dollar, then a two markup on the exchange rate means that the company is offering you 19.6 pesos per dollar. If you transfer $500 using a midmarket rate, you’d be able to send 10,000 pesos. However, with a 2% markup that means you’ll be sending 9,800 pesos. The more you mark up is, the less your recipient will receive in exchange for their currency. General advice for international money transfer 1. Learn about how exchange rates work (and how to identify the most effective). One of the ways that money transfer services earn their money is through exchange rate markups. Most transfer providers won’t give an exchange rate that you’d find on platforms for currency exchange like those found at Bloomberg.com as well as Reuters.com. These sites only tell you the price of one currency relative to another, but they are a helpful starting point for knowing what the ideal rate looks like this minute. If you are looking at the exchange rate for international transfers through services like Western Union, focus on the exchange rate markup by examining the amount of foreign currency. The higher the markup then the less markup you pay and the greater amount the recipient gets. 2. Compare the total cost of transfer between different providers. There are two kinds of fees: upfront cost and exchange rate markup (see below). Find the service that has the lowest price and the most competitive exchange rate you can get. Usually online nonbank providers offer less expensive transfer rates than banks. 3. Don’t pay with the credit card. There are some providers, but there might be a higher upfront fee and your credit card provider may tack on charges like interest and cash advance charges. The transfer that is made via a the bank account directly can be a much cheaper (and much slower) transfer. If you require money promptly, consider using debit cards that will also charge a lower fee than using credit cards. MoneyGram: Cheapest for bank-to-bank transfers MoneyGram Why it’s our pick the lowest fees on transfers to and from bank accounts. + MoneyGram in an easy to understand format MoneyGram has an extensive network of branches across around 200 different countries. Transfers between different locations take a few minutes for delivery , and are referred to as cash pickup. This is similar to MoneyGram’s primary rival, Western Union. Transfers sent online or by mobile application to bank accounts in different countries can take up to an hour or a single business day. Other services may take several days to transfer funds to bank accounts. If you want to transfer money from a bank to a bank, MoneyGram is the cheapest choice. + Important to know about MoneyGram You’ll be required to pay fees. If you send $200-$1,000 the average fee ranges from about $6 to $14 in the countries that we examined, depending on the method of sending and receiving. MoneyGram will also mark up exchange rates anywhere from about 0.60 percent to 8.44 percent. In the countries we studied, the maximum amount you can send per transaction ranges from about 10,000 to $15,000. the limits are at the lower end compared with other providers in this list. (See the list of our .) The Xoom that is Fastest Why it’s our pick: Transfers to accounts at banks abroad in minutes for some countries. + Xoom in a nutshell The Xoom service– a PayPal service that specializes in quick transfers to more than 160 countries. It is possible to send up to $100,000, though the larger the amount you wish to transfer, the more time it will take along with the additional personal details you’ll need (such such as passport or Social Security number and a bank statement or pay stub). It is possible to transfer funds using a the bank account, debit card credit card, or other payment options stored inside your PayPal account, and most transactions will be processed in a matter of minutes. Xoom is a partner with banks of major importance abroad, allowing users to have money delivered to bank accounts or, in some countries, as cash pick-up or mobile recharges for phones. + Important to know about Xoom Cost is the area where Xoom isn’t as competitive. Xoom earns profit from exchange rates however, it offers better rates for sending higher amounts to certain countries. Transfers between one banking account and the next can be free at times. In general, charges could be higher if utilize a credit or debit card. (For more details, check out our .) Return to top of OFX: It is the best option for large international transfers at OFX Why it’s our pick: No maximum limit on the amount you can send. There are no fees, regardless of how much you pay. In a nutshell, OFX. OFX doesn’t charge fees regardless of the amount you pay. Additionally, its online service lets you make a transfer at the current exchange rates or future rates — meaning your money will transfer once the exchange rate is at. For those who are in to the U.S., you can transfer money to more than 50 currencies. OFX is the best option if need to send more money than the other providers listed here permit, since it does not have any limits on the amount you can send. It is important to be aware that OFX OFX has a minimum transfer limit of $1000. The costs to consumers are in the form of markups on exchange rates, which are on the high end when compared to other providers. Delivery generally requires several business days. (Read our for more details.) Return to the top Western Union: Best transfer options . Why we picked it: Extensive worldwide network of locations. There are many ways to transfer and deliver money. and Western Union in a nutshell The biggest money transfer company globally, Western Union also has a sizable range of transfer options . The price estimator of the company’s tool, you’ll find over a dozen different combinations of sending channels, payment methods , and delivery options. You can send money from on the Western Union website or its mobile app, and you can pay with your bank account, debit card or credit card — or transfer money from a nearby agent location using cash. The network of physical locations for the transfer giant encompasses more than 200 territories and countries and more than half a million locations worldwide. The most important thing to know about Western Union Transfers. They’re expensive — one of the highest priced of companies we examined- and only some options include same-day or next-day delivery. Certain online transfer options may take several days for delivery. (Read our review .) Return to top Wise is the best choice for simple registration at Wise Why we chose it an experience that is user-friendly from sign-up to delivery No foreign exchange rate markups. + Wise in an easy to understand format Wise (formerly TransferWise) balances convenience and costs on its online and mobile money transfer platform. You can sign up with your Apple, Google or Facebook account, instead of a site-specific login, and your exchange rate is guaranteed until your cash is received by Wise. Wise sends funds from to the U.S. to about 80 countries (the exact number is subject to change from time-to-time) without an exchange rate markup. However, they do charge you an exchange rate fee that covers the cost of making the exchange happen, but there’s no markup. It is important to be aware of Wise In the majority of cases, you’ll be charged two fees: a set sum of dollars (the upfront fee), which increases depending on the amount you pay and an exchange fee, which is often less than 1% of the amount you pay. In the U.S. to the countries we looked into over half of deliveries were predicted to take two minutes or less. (Read our .) Return to top Do you want to find a bank useful when you go abroad? Take a look at METHODOLOGY for DOMESTIC TRANSFERS. To identify the best domestic transfer services We looked at the following aspects of 14 companies: fees, delivery speed of cash or money to the bank account of the recipient, user reach (where the transaction information was accessible) limits on sending amounts and measures to protect your data. Priority was given to service providers that offer free transfers, have a proven track record and have high security standards. We did not consider single-bank P2P options because they typically limit users to a given bank. Note the transfer amount limits provided assume that the user has authenticated their identities as each app requires. Additionally, there are initial amount limits when first using the application. Providers that were surveyed: Facebook Pay (now Meta Pay), Google Pay, , , PopMoney, , , , and . METHODOLOGY for international transfers We looked at seven companies who operate in the U.S., mostly focusing on the major players in the international money transfer business Based upon market research experts cost analysis, and U.S. internet traffic. Countries that were surveyed: Germany, India, Mexico and the United Kingdom. Providers surveyed the , , as well as (owned of PayPal). The fees and markups on exchange rates were derived from the research linked below. Authors’ Bio: Spencer Tierney is an expert on deposits and certificates at NerdWallet. The work he has done was highlighted by USA Today and the Los Angeles Times. Ruth Sarreal is a content manager at NerdWallet. She has edited and written articles on topics related to personal finance for more than five years. Similar to… Discover an account that is more suitable for checking View NerdWallet’s recommendations for the top checking accounts. 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