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12 Best Ways to Pay Money Advertiser disclosure: You’re our number one priority. Each every time. We believe that everyone should be able make financial decisions without hesitation. Although our site doesn’t feature every company or financial product that is available in the marketplace, we’re proud that the guidance we offer and the information we offer as well as the tools we design are objective, independent simple, and free. So how do we make money? Our partners compensate us. This could influence the types of products we review and write about (and where those products appear on our website) however it does not affect our suggestions or recommendations that are based on many hours of research. Our partners cannot be paid to ensure positive review of their services or products. . 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 banker at NerdWallet. He has been covering finances for individuals since the year 2013, with a particular focus on certificates of deposit and other banking-related topics. His work has been highlighted in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based within Berkeley, California. as well as Ruth Sarreal Content Management Specialist bonus bank accounts Ruth Sarreal is a content management specialist covering subjects related to banking and consumer finance at NerdWallet. She has over 10 years of experience in writing and editing for consumer websites. She was previously editor of content on topics related to personal finance at GOBankingRates. Her work has been highlighted in Nasdaq, MSN, TheStreet and Yahoo Finance. Oct 3 2022 Edited by Yuliya Goldshteyn Assistant Assigning editor Yuliya Goldshteyn works as a banking editor at NerdWallet. She was previously an editor as well as a researcher and writer in industries ranging from health care and market research. She graduated with a bachelor’s degree in history at University of California, Berkeley. University of California, Berkeley and a master’s in sociology from the University of Chicago. You can reach her via

. Many or all of the products we feature are made by our partners who compensate us. This influences which products we feature as well as the place and way the product appears on a page. However, this doesn’t affect our assessments. Our opinions are entirely our own. Here’s a list of and . Jump to our picks for the best methods to transfer money: Best for mobile Best for referral bonus The fastest for domestic transfers Most popular online: Best for nonbank transfers: Best for sending more than $10,000 within the U.S. The cheapest transfer rates for international bank-to-bank The fastest international transfer best for large amounts internationally: Best for transfer options Easy sign-up: The year’s best bank accounts Are you switching banks? Are you looking for a savings account that has a high yield with a great rate? Shop our 2023 Best-Of Awards. If you want to transfer funds online, the most efficient method of doing so is dependent on the method and location you want to send it. We looked at fees, speed and other aspects to determine the most reliable domestic and international money transfer services. Remember to use these services to ensure that you’re paying the right person. In the majority of cases you’re not guaranteed the money back if it is sent to the wrong person. • Protect your money: Find out how you can depend on NerdWallet. Our writers and editors are held to a strict code of conduct rules to ensure our coverage is accurate and fair, so you can choose the options that work best for you. + See a overview of our choices How to send money online, on mobile or in person. The best ways to send money: Domestic Venmo: It is the best option for mobile. Cash app: Great to earn a referral bonus. Zelle is the fastest to transfer money domestically (tie to Google Pay). Google Pay: The fastest transfer for transfers to domestic accounts (tie with Zelle). PayPal: Most popular online. Walmart2Walmart: Best for nonbank transfers. Transfers via bank wire: Ideal for sending more than $10,000 in the U.S. The most efficient methods to transfer money: International MoneyGram: Cheapest for international bank-to-bank transfer. The fastest in international transactions. OFX: Excellent for large international transfers. Western Union: Best transfer choices. Wise: Best for easy sign-up. The most efficient ways to transfer money to in the U.S. Here’s a list of the best ways to send money to the United States. Venmo is the most popular for mobile. Our pick: Highly rated app to use on iOS and Android. It’s free, simple, and stimulating money transfers. Plus Venmo in a nutshell: 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 the Apple App Store. It’s free to transfer and receive money when you link an account at a bank or debit card, or a prepaid debit card. Using a credit card costs 3percent of the transaction. With a few taps on Venmo after verifying your identity, you’re able to send up to $60,000 per week. Your and the transactions of your friends appear — without amounts — on a news feed. If you’d prefer to keep your transactions private, you can alter your settings so only your friends, or just you and the person who you’re paying or receiving money from can see them. + Important to know about Venmo The money you receive shows up instantly on your Venmo balance, but cashing out into a savings or checking account takes between one and three business days . It is also possible to transfer money to a debit card, generally in 30 mins, at the cost of a 1.75 percent cost. (For more details, read .) For more information, read the Cash App: Best for referral bonus We recommend it because of its 5 dollars in bonus cash when someone else uses your referral code to sign up and send money. There are no fees to transfer or receive money. + the Cash App, in one sentence. App lets you send and receive money with cash from your linked bank account or debit card. You can also create your own unique $Cashtag or username, within the app, to allow people to find you and to make it easier to send you payments. Contrary to the other P2P apps and ways to send money on this list, Cash App offers a $5 bonus when a person joins with an affiliate link, and sends at least $5 from the account they have created. Noteworthy to know about Cash App. You’ll need be a member of a banking institution to make use of Cash App. Money you receive will show up instantly in your app’s balance however, it can take up to three days for the cash to appear in your bank account if you wish to transfer. You can cash out instantly on your debit card, but you’ll pay an 0.5% -1.75 percent fee. You’re limited to sending and receiving up to $1,000 per month. If you want to increase the limit, you’ll need to supply additional personal information, such as names of all your children, birth date as well as the four digits of your Social Security number. If you send money via credit card, you’ll be assessed a fee of 3. (For more information, please refer to .) For more information, see. Zelle is the fastest (tie tied with Google Pay) Why it’s our choice: Delivery is likely to take just a few minutes. Already integrated with over 1,000 financial institutions, connecting more than 100 million customers. + Zelle in a nutshell With Zelle it’s possible to send and transfer money in moments between accounts in different financial institutions. You might already be using Zelle’s services through your bank’s mobile app or on its website. More than 1,000 banks and credit unions are on board this means that their customers of 100 million are able to use Zelle within their bank’s website or mobile application. In the event that your institution isn’t on this network Zelle can be downloaded as an individual app. + Important to know about Zelle You’ll require a U.S. bank account to pay and fund payments . Zelle does not charge fees, though any of its partners banks can choose to. Although limits vary by bank however, the biggest banks set daily limits of either $2,000 or $2,500. Zelle is not made to purchase or sell items and you’re not insured from those transactions. Additionally, if you transfer money an unintentional person, or transfer the incorrect amount, you could be out of luck. Security is limited to the event that someone is able to steal their Zelle username or password then uses it to transfer money. To the top Google Pay: Fastest (tie with Zelle) Why it’s our pick: Instant transfers to a debit card at a lesser cost than other P2P payment services charge. The seamless integration of the money transfer service in email. And Google Pay in simple terms Google Pay lets you transfer money for free using a QR code, recipient’s name, number, or email address. You can also cash out instantly from the in-app wallet to a debit card at the cost of 1.5% fee. If you’re not in a rush it’s possible to cash out without cost on a checking or savings account, that takes between one and three business days. The maximum you can send is $5,000 per day for seven days. Debit and bank accounts can be used to fund transfers, but credit cards and prepaid cards cannot. + Important to know about Google Pay Google Pay covers 100% of all authenticated unauthorized transactions that aren’t the norm for all money transfer applications and services. Return to top PayPal most popular online Why it’s our top choice: The highest transfer limit. Over 400 million accounts are active worldwide. + PayPal in a nutshell PayPal provides free transfers to the U.S. when you fund through a bank account or PayPal balance. Paying with a credit card — and unlike other service providers one that accepts debit cardscomes with a cost: 2.9 percent of the total amount, plus 30 cents. Transfers to bank accounts are free. + It’s important to know about PayPal Depending on your currency, the maximum amount you can transfer per transfer varies from $10,000 to $60,000. However, if you’re sending that amount of money, doing so with a bank offers more safeguards for your balance, such as FDIC insurance. Transferring money to bank accounts is free and takes up to four business days, based on whether the transfer was initiated at or after 7 p.m. ET or on the weekend. It is also possible to pay with an instant transfer to a debit card linked. You can send or receive money on the website or mobile app on iOS and Android as well as at PayPal.Me where you can make your own unique link which your family and friends can use to make payments. (Read our review .) Return to top Walmart2Walmart Best for non-bank transfers Why it’s our pick A convenient option to send money to and/or from a Walmart store. + Walmart2Walmart in an easy way If you need to transfer money, Walmart is a convenient option, especially when you and/or the recipient live near a shop: You can send money through a Walmart store to be picked up at a Walmart. Walmart has a partnership with a variety of payment service providers, so you can also transfer money using any MoneyGram, Ria or Western Union store for pickup at any of the thousands of U.S. Walmart stores, where a recipient can take the money in minutes. And similarly, you can send money from a Walmart to be picked up in a matter of minutes at an Western Union or MoneyGram location. (Ria locations do not offer a pick-up option.) + Important to know about Walmart2Walmart In the majority of states, the maximum you can send in a day is $2,999.99 Prices start at $2.50. (For more details on Walmart financial services including information on how to file an FTC case against it, read our .) Back to the top Bank wire transfer: B est for sending $10,000 or more to the U.S. This is why it’s our choice: Transfers large sums from one bank to the next within hours or minutes. + Bank wire transfers in a nutshell Sending a wire transfer through your bank could be the best way to send a large amount quickly. While they are as convenient as P2P apps can be however, they restrict the amount you can send, generally the transfer ranges from $1,000 to $10,000, and delivery can take several days. However banks, wire transfers typically arrive within hours or minutes. • Important to know about bank wire transfers. There is a high cost for wire transfers. Based on an analysis of large bank accounts, the average wire cost for sending is $35, while $15 is in the case of receiving (see ). If you’re required to send large amounts of money in a matter of hours, however it is possible that the expense will be worth it. Are you interested in sending funds via wire transfer? Find out the top methods to make international money transfers Below, you’ll discover our picks for the best methods to transfer money internationally. If you are making a transfer abroad, you generally encounter two charges: the cost to send money (also known as an outbound or upfront fee) as well as foreign exchange fees as well as the markup on the exchange rate used by financial institutions when transferring money among themselves. Consider both fees to find the most affordable price. Also, read our tips for money transfers and definitions for common money transfer terms Definitions: Money Transfer Rates There are three rates that will determine how much your transfer will cost and how much money your recipient will receive. Exchange rate: An exchange rate is the cost of one currency in relation with another one. For instance, if you would like to convert U.S. dollars to euros then you should determine how much one U.S. dollar is worth in euros. Midmarket rate The midmarket rate, often referred to as the interbank exchange rate (also known as interbank exchange rate) is the rate at which big banks use to swap currencies between one another. Exchange rate markup: Many service providers employ the markup of exchange rates when they price transfers. They provide customers with an exchange rate that is the midmarket rate and another percentage or markup, so that they can make an income from the transfer. Example of this: If the midmarket rate for U.S. dollars to Mexican pesos is 20 psos per dollar, then a 2% exchange rate markup means the provider is giving you 19.6 pesos for each dollar. If you send a $500 payment using an average rate, you’d transfer 10,000 pesos. However, with a markup of 2 that means you’ll be sending 9,800 pesos. The higher the markup the lower the amount your recipient will receive in exchange for their currency. General advice for international cash transfers 1. Learn about the way exchange rates work (and how to identify the most favorable rates). One of the ways that money transfer providers make money is through markups for exchange rates. Most transfer providers won’t give you the exchange rate you’d find on platforms for currency exchange like those at Bloomberg.com and Reuters.com. These sites only tell you the cost of one currency relative to the other, but they’re a good beginning point to determine what the best rate looks like in the present. When you look up the exchange rate for an international transfer through services like Western Union, focus on the markup on exchange rates by examining the foreign currency amount. The higher it is the lower the markup, and the more money your recipient receives. 2. Compare the total cost of transfer across multiple providers. There are two kinds of fees: upfront cost and markup for exchange rates (see above). Choose the one that offers the lowest cost and the most competitive exchange rate that you can find. The majority of nonbanks online offer cheaper transfers than banks. 3. Do not pay using a credit card. It’s an option for some providers, but there may be a higher upfront fee and the credit card company might add additional costs such as interest and cash advance charges. The transfer that is made via a direct bank account tends to be a much cheaper (and far slower) transfer. If you want to receive money promptly, consider using the debit card option and you will pay a lower fee than using a credit card. MoneyGram: Cheapest for bank-to-bank transfer at MoneyGram The reason we picked it The lowest fee for transfers between and to bank accounts. + MoneyGram in an easy to understand format MoneyGram has the world’s largest network of offices across around 200 different countries. Transfers between locations take minutes for delivery as cash pickup. This is similar to MoneyGram’s main rival, Western Union. Transfers sent online or by mobile apps to bank accounts across a variety of countries can take up to up to an hour or one day. Other providers can take several business days to transfer funds to accounts at banks. If you want to transfer money from a bank to a bank, MoneyGram is the cheapest alternative. It is important to be aware of MoneyGram You’ll be required to pay charges. For sending $200 to $1,000, average fees range from approximately $6 to 14 in each of the nations that we examined, depending on the method of sending and receiving. MoneyGram also marks up the rates of exchange, which range from 0.60% to 8.44 percent. In the countries we studied and compared, the amount you can pay per transaction ranges from $10,000 to $15,000 — these limits are at the lower range when compared to other services in this list. (See the list of our .) Return to top Xoom: Most efficient Why we chose it for transfers to bank accounts abroad within minutes for some countries. + Xoom in a nutshell It’s an online PayPal service that specializes in quick transfers to more than 160 countries. You can transfer up to $100,000, though the larger the amount you wish to send, the longer you’ll have to wait along with the additional personal details you’ll need to provide (such as a passport, 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 the payment methods that are stored inside your PayPal account. Most transactions will be processed in a matter of just a few minutes. Xoom partners with major banks abroad, allowing users to transfer money to bank accounts, or in certain countries, for cash pickup or as mobile recharges for phones. It is important to be aware of Xoom Cost is where Xoom does not compare to competitors. Xoom makes profits from exchange rates, however, it offers better rates to send larger amounts to specific countries. The transfer of funds from one account into another are only sometimes free. The overall cost can be higher if you utilize a credit or debit card. (For more details, check out our .) Back to top OFX: The best choice for large international transfers OFX. Why we recommend it There’s no maximum limit to the amount you can transfer. No fees, no matter the amount you send. In a nutshell, OFX. There are no fees for OFX regardless of the amount you pay. Additionally its online service lets you make a transfer at current exchange rates or target future rates — meaning your money will transfer when the exchange rate has been reached. In your location in the U.S., you can transfer money in more than 50 currencies. OFX is a great option if you want to send more than other providers on this list permit, since there is no limit on the amount you can transfer. It is important to be aware that OFX OFX has a minimum transfer amount of $1,000. The costs to consumers are from markups on exchange rates, which are at the top of the spectrum in comparison to other providers. Delivery usually requires several business days. (Read our for more details.) Back to top Western Union: Best transfer options Why it’s our pick: Extensive worldwide network of branches. Numerous ways to send and collect money. and Western Union in a nutshell The largest money transfer business across the globe, Western Union also has an extensive range of transfer options . The price estimator of the company’s tool on the internet, you’ll be able to see over a dozen combinations of transfer channels, payment methods and delivery options. It is possible to send money through on the Western Union website or its mobile app. You can use an account at a bank, debit card or credit card or make a payment to a nearby location of the agent by cash. The physical network of the transfer company covers over 200 territories and countries and over half of a million points globally. + Important to know about Western Union Transfers. They are costly and are among the costliest of services we reviewed- and only some options offer next-day or same-day delivery. Certain online transfer options may take several days for delivery. (Read our review .) Back to top Wise: Best for easy sign-up at Wise Why it’s our pick an experience that is user-friendly from sign-up to delivery . No foreign exchange rate markups. + Wise in a nutshell Wise (formerly TransferWise) balances cost and convenience on its mobile and online money transfer platform. You can sign-up using your Apple, Google or Facebook account, rather than having a specific login for the site. And the exchange rate you receive is guaranteed until the money is received by Wise. Wise transfers funds from to the U.S. to about 80 countries (the exact number is subject to change from time-to-time) with no exchange rate markup. however, they charge an exchange rate fee, which pays for making the exchange possible, but it’s not a charge. It is important to be aware of Wise In the majority of instances, you’ll have to pay two fees: a set dollars amount (the upfront cost) which is increased depending on the amount you pay, and the exchange fee, which is often less than one percent of the amount you pay. From the U.S. to the countries we researched over half of deliveries were predicted to take 2 to three hours, or less. (Read our .) To the top Are you looking for a bank helpful when you travel overseas? Take a look at METHODOLOGY FOR DOMESTIC TRANSFERS. To identify the best domestic transfer service, we examined the following characteristics of 14 companies costs, speed of transfer of cash or money to the bank account of the recipient, user reach (where transaction data were available), sending amount limit and measures to protect your data. Priority was given to service providers that offer free transfers, have established histories and have high security standards. We excluded single-bank P2P services since they usually restrict users to one particular bank. Note that all transfer limit amounts provided assume that the user has verified their identity because each app needs to verify their identity. Also, the app has initial limitations when you first start using the app. Providers surveyed: , , Facebook Pay (now Meta Pay), Google Pay, , , PopMoney, , , , , and . METHODOLOGY FOR INTERNATIONAL TRANSFERS We analyzed seven providers who operate within the U.S., mostly focusing on the major players in the global money transfer industry, based upon market research experts, cost analysis and U.S. internet traffic. Countries covered: Germany, India, Mexico and the United Kingdom. The providers surveyed are: (owned by PayPal) as well as (owned through PayPal). Charges and exchange rate markups mentioned are based on the analysis linked below. The authors’ bios: Spencer Tierney is an expert in the field of certificates of deposit at NerdWallet. His work has been highlighted by USA Today and the Los Angeles Times. Ruth Sarreal is a content managing specialist at NerdWallet. She has edited and written content about personal finance topics for over five years. On a similar note… Get an account that is more suitable for checking View NerdWallet’s top picks for the best checking accounts. Go deeper into Banking Get more smart money moves – straight to your inbox Sign up and we’ll send you Nerdy articles on the topics in finance that are important to you as well as other methods to help you make the most out of your money.

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