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12 Best Methods to Transfer Money Advertiser disclosure We make you our top priority. Each time. We believe that everyone should be able to make financial decisions without hesitation. While our website doesn’t include every business or financial product available in the marketplace, we’re proud that the guidance we offer and the information we offer and the tools we create are independent, objective, straightforward — and free. So how do we make money? Our partners pay us. This may influence which products we write about (and the way they appear on the website) however it doesn’t affect our recommendations or advice, which are grounded in thousands of hours of research. Our partners are not able to be paid to ensure positive reviews of their products or services. . 12 Ways to Transfer Money Spencer Tierney Senior Writer | Certificates of deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has covered finances for individuals since the year 2013, with a particular focus on certificates of deposit and other banking-related topics. He has had his work highlighted by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California. as well as Ruth Sarreal Content Management Specialist Bank accounts and bank account bonuses Ruth Sarreal is a content management specialist who covers subjects related to banking and consumer finance at NerdWallet. She has over a decade of experience writing and editing for consumer websites. She previously edited content on personal finance topics at GOBankingRates. She has had her work highlighted in Nasdaq, MSN, TheStreet and Yahoo Finance. Oct. 3, 2022 Written by Yuliya Goldshteyn Assistant Assigning Banking Yuliya Goldshteyn is a bank editor for NerdWallet. She was previously an editor as well as a researcher and writer across a range of industries from healthcare to market research. She earned a bachelor’s degree in the field of history from University of California, Berkeley. University of California, Berkeley and a master’s of social science from University of Chicago. You can reach her at

. A majority or all of the products we feature are made by our partners who compensate us. This impacts the types of products we write about and where and how the product is featured on a page. However, this does not influence our evaluations. Our opinions are entirely our own. Here’s the list of . Jump to our picks for the most efficient ways to transfer money: Best for mobile: Best for referral bonus the fastest domestic transfer online: Best for nonbank transfers: Best for sending more than $10,000 to the U.S.: Cheapest transfer from bank to bank in the world The fastest international transfer: Best for transferring large amounts abroad: 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 high rate? Explore our 2023 Best-Of-Awards. When you send cash online, you must know the most efficient method to send it depends on the way and location you’d like to send it. We compared fees, speed , and other aspects to determine the best domestic and international money transfer services. Remember to be cautious when using these services to ensure that you’re paying the right person. In most cases you’re not guaranteed an exchange if your money is sent to the wrong person. • Protect your money: Find out the reasons why you should depend on NerdWallet. Our writers and editors adhere to strict guidelines standards to ensure that our content is honest and reliable and you’re able to pick the options that work best for you. Check out a brief summary of our picks How to transfer money online on your mobile or in person. Best methods to transfer money: Domestic Venmo It is the best option for mobile. Cash app: Great to earn a referral bonus. Zelle is the fastest for domestic transfers (tie with Google Pay). Google Pay: Most efficient for domestic transfers (tie with Zelle). PayPal: Most popular online. Walmart2Walmart: Best for nonbank transfers. Bank wire transfer: The best for sending more than $10,000 within the U.S. Best ways to send cash: International MoneyGram: Cheapest for international bank-to-bank transfers. The fastest for international transfers. OFX: The best option for international transfers in large amounts. Western Union: Best transfer choices. Wise: Best for easy sign-up. The best ways to transfer money inside U.S. U.S. This is a list of the most effective ways to send money to the United States. Venmo is the most popular for mobile. We’ve picked it because of its Highly rated application to use on iOS and Android. It’s free, simple, and stimulating money transfers. and Venmo in a nutshell: Venmo’s app ratings are among the top local providers we looked at: 4.2 stars in the Google Play Store and 4.9 in Apple’s App Store. It’s free to send and receive cash by linking a bank account or debit card, or a prepaid debit card. The cost of using a credit card is 3% for each transaction. By a few clicks on Venmo after verifying your identity, you’re able to make payments of up to $60,000 per week. Your and the transactions of your friends will pop up with no amounts- on a news feed. If you’d prefer to keep your transactions secret, you can modify your settings to ensure only your friends, or just you and the user who you’re paying or receiving money from can see them. Important to know about Venmo the money you get is immediately reflected within Your Venmo balance, however the process of cashing it out on a banking account can take between one and three business days . You can also transfer money to a debit card, usually in 30 mins, at an additional 1.75 percent fee. (For more details, read .) Return to top Cash App The best referral bonus Why it’s our pick: $5 bonus when someone utilizes your referral code to sign up and send money. There are no fees to send or receive money. Cash App in a nutshell. App lets you transfer and receive money for free by cashing out your bank account linked to it or debit card. You can also create your own $Cashtag, or username within the app, to help others to find you and send your payments. Unlike the other P2P applications and ways to transfer money, on this list, Cash App offers a $5 bonus when a person sign-ups using your referral link and then sends at least $5 through their new account. Noteworthy to know about Cash App. You’ll need have a bank account in order to utilize Cash App. Cash you receive will appear immediately in your app balance, however, it can take up at least three working days for cash to be credited to your bank account if you decide to transfer it. You can cash out instantly to your debit card but you’ll be charged an 0.5% -1.75 percent cost. You’re only allowed to send and receiving up to $1,000 in 30 days. If you want to increase your limit you’ll have to provide additional personal information, such as the full address of your name and birth date, and last four digits of your Social Security number. If you send money using a credit card, you’ll be charged a 3% fee. (For more details, refer to .) Back to top Zelle is the fastest (tie with Google Pay) Why it’s our pick: Delivery tends to take just a few minutes. Already integrated with more than 1,000 financial institutions, it connects over 100 million users. + Zelle in a nutshell Zelle it is possible to transfer and transfer money in moments between accounts of different financial institutions. You might already be using Zelle’s service via your bank’s mobile app or on its website. Over 1,000 banks and credit unions are participating, which means that their 100 million-some customers have the option of using Zelle through their bank’s site or mobile application. If your bank isn’t on Zelle’s network Zelle is also available as a standalone application. Note: It’s important to know about Zelle You’ll need a U.S. bank account to pay and fund payments . Zelle doesn’t charge any fees, although any of its partners banks can decide to. Although limits vary by bank however, the biggest banks have a daily transfer maximum of either $2,000 or $2,500. Zelle is not designed to purchase or sell items and therefore you are not covered for those transfers. In addition, if you send money to the wrong person, or transfer the wrong amount, you might be out of luck. The protections are only available if someone is able to steal the password or account of your Zelle username or password then then uses the account to transfer money. To the first Google Pay: Fastest (tie with Zelle) The reason we chose it as our choice: instant transfers to a debit card at a lesser cost than the other P2P payments services charge. Smooth integration of money transfer in email. Plus Google Pay in simple terms Google Pay allows you to transfer money at no cost using a QR code, the recipient’s name, number or email address. You can also withdraw funds instantaneously from the wallet in the app to a debit card at a 1.5% fee. In case you’re in a hurry and want to withdraw funds at no 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 credit cards and prepaid cards are not eligible. It is important to be aware of Google Pay Google Pay covers 100% of authenticated unauthorized transactions that aren’t the norm to all transfer apps and services. To the top PayPal most well-known online. Why is it our top choice: The highest transfer limit. Over 400 million accounts are active across the globe. + PayPal in the simplest terms PayPal offers free transfers in the U.S. when you fund with a bank account or PayPal balance. Credit card payments (and unlike other companies, a debit card — carries a fee: 2.9 percent of the total amount in addition to 30 cents. Transfers from bank accounts are completely free. It is important to be aware of PayPal Based on the currency you use and the amount you can transfer per transfer varies between $10,000 and $60,000. If you’re sending that much money, doing so via a bank will provide greater security for your balance like FDIC insurance. Transferring money to bank accounts for free takes up to four business days, based on the date the transfer was initiated within 7 p.m. ET or on a weekend. You can also pay with an instant transfer to a debit card that is linked. You can send or receive money through the site or mobile app for iOS and Android as well as at PayPal.Me which lets you make your own unique link that family and friends can pay you. (Read our .) To the top Walmart2Walmart: Best for nonbank transfers. 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 choice, particularly in the event that you and/or your recipient live near a shop It is possible to transfer funds via the Walmart store to be picked up at the Walmart. Walmart is a partner with many money transfer service providers which means you can send money from any MoneyGram, Ria or Western Union location to be picked up from any one of the 100s of U.S. Walmart stores, which allows the recipient to pick up the money within minutes. In the same way, you can send money from a Walmart for pickup in just a few minutes at an Western Union or MoneyGram location. (Ria locations aren’t a pickup option.) + Important to know about Walmart2Walmart In all states, the maximum you can transfer in a single day is $2,999.99, and prices start at $2.50. (For more details on Walmart financial services and information on their involvement in the FTC suit against Walmart, read our .) Back to the top Bank wire transfer is a good option for sending $10,000 or more to the U.S. Why it’s our top choice: Sends huge amounts from one bank to another within hours or minutes. The bank wire process in a nutshell Making a wire transfer via your bank might be the best option to transfer large amounts quickly. Although they’re as easy as P2P apps are but they are limited in the amount you can send, generally the transfer ranges from $1,000 to $10,000, and delivery can take multiple days. By contrast banks, wire transfers typically are delivered within hours or minutes. + Important to know about bank wire transfers There’s a steep charge for transfers. According to an examination of the largest institutions, the mean wire cost for sending is $35, while $15 is in the case of receiving (see ). If you need to send a lot of money within hours, however it is possible that the expense will make sense. Are you interested in sending money via wire transfer? Find out the top methods to make international money transfers Below, we’ll provide our top picks for the most efficient methods to transfer money internationally. When you transfer money overseas, you typically face two charges: the cost to transfer money (also called the upfront or outbound fee) as well as foreign exchange fees which is the markup of the exchange rate used by financial institutions when transferring money among themselves. Take a look at both fees to determine the most affordable price. Check out our advice on money transfers and definitions for the most commonly used money transfer terms The following are the rates for money transfer. The three different rates determine the amount your transfer will cost and how the beneficiary will get. Exchange rate: A rate of exchange is the price of one currency in relation the other currency. For instance, if you want to convert U.S. dollars to euros it is important to know how much one U.S. dollar is worth in euros. Midmarket rate The midmarket rate also called the interbank rate (also known as interbank exchange rate), is the exchange rate that big banks use to exchange currencies between one another. Exchange rate markup: Most service providers employ an exchange rate markup when pricing your transfer. They offer customers an exchange rate that’s the midmarket rate and an additional percentage, known as a markup, so that they can make an income from the transfer. Example: If the midmarket rate for U.S. dollars to Mexican pesos is 20 pesos per dollar, then a two% exchange rate markup means that the company is offering you 19.6 pesos per dollar. If you send a $500 payment using a midmarket rate, you’d send 10,000 pesos. But with a 2% markup, you’d end up sending 9,800 pesos. The more markup you pay the lower the amount your recipient will receive the currency they need. General advice for international money transfers 1. Learn about how exchange rates work (and how to find the most favorable rates). One way that money transfer providers make money is through markups for exchange rates. Many transfer companies don’t give an exchange rate that you’d find on platforms for currency exchange like the one found at Bloomberg.com or Reuters.com. They will only inform you of the value of one currency in relation to another. However, they can be a useful starting point to know what the best rate looks at the moment. If you are looking at the exchange rate for international transfers with services like Western Union, focus on the markup of the exchange rate by looking at the amount of foreign currency. The more it is higher then the lower the markup and the higher amount the recipient gets. 2. Compare total transfer costs between different providers. There are two kinds of fees: upfront cost and exchange rate markup (see below). Choose the one that offers the lowest price and the highest exchange rate that you can find. The majority of nonbanks online offer lower rates for transfer rates than banks. 3. Don’t pay with the credit card. There are certain providers, however there could be a greater cost upfront and your credit card issuer may tack on charges like interest and cash advance fees. Transfers made through a the bank account directly can be much less expensive (and more sluggish) transfer. If you need money delivered quickly, use a debit card and you will pay a lower fee than using credit cards. MoneyGram: Cheapest for bank-to-bank transfers at MoneyGram Our pick The lowest fee for transfers between and to banks. + MoneyGram in the simplest terms MoneyGram commands an extensive network of branches across over 200 nations and regions. Transfers between locations can take as little as a minute for delivery , and are referred to as cash pickup. This is similar to MoneyGram’s primary competitor, Western Union. Transfers via the internet or mobile app to bank accounts in various nations take about an hour or a single business day. Other services could take a few business days to transfer to bank accounts. When it comes to bank-to-bank transfers, MoneyGram is the cheapest alternative. + Important to know about MoneyGram There are charges. If you send $200-$1,000, average fees range from between $6 and $14 in the countries we studied according to the methods used to send and receive. MoneyGram also marks up the exchange rates anywhere from about 0.60% to nearly 8.44%. In the countries we studied and compared, the amount you can pay per transaction is around 10,000 to $15,000. the limits are on the low range when compared to other services on this list. (See our .) Back to top Xoom: Fastest Why it’s our pick: Transfers to accounts at banks abroad in minutes in some countries. The Xoom experience in a nutshell It’s an online PayPal service — specializes in fast transfers to about 160 countries. You can transfer up to $100,000, but the higher the amount you wish to transfer, the more time you may have to wait along with the additional personal data you’ll need (such such as passport, Social Security number and a bank statement or pay stub). You can transfer money using a bank account, debit card credit card, debit card or payment methods stored in your PayPal account, and most transfers arrive within the timeframe of a few minutes. Xoom is a partner with banks of major importance abroad, allowing users to transfer money to bank accounts or in some countries, for cash-in-hand pickup, or for mobile phone reloads. + Important to know about Xoom Cost is where Xoom does not compare to competitors. Xoom earns its money from exchange rates, but it also offers higher rates for sending higher amounts to certain countries. The transfer of funds from one account into the next are not always free. In general, charges can be higher if you utilize a credit or debit card. (For more details, check out our .) Return to top of OFX: Best for large international transfers at OFX Why it’s our pick There’s no maximum limit on the amount you can send. There are no fees, regardless of how much you pay. And OFX in a nutshell There are no fees for OFX, regardless of the amount you pay. Additionally the online service lets you make a transfer at the current exchange rate or at target future rates — meaning your money will transfer once the exchange rate has been reached. From the U.S., you can transfer money to more than 50 currencies. OFX is ideal if you want to send more than what other providers listed here allowsince it doesn’t have a limit on the amount you can send. Important to know is that OFX OFX has a minimum amount to transfer of $1,000. The costs to consumers are from exchange rate markups, which are on the high end when compared to other providers. Delivery generally requires several business days. (Read our for more details.) Back to the top Western Union: Best transfer choices Why we’ve picked them The extensive global network of branches. There are many ways to transfer and receive money. and Western Union in a nutshell The largest company for money transfer across the globe, Western Union also has a sizable range of options for transfer . In the price estimator tool, you’ll find more than a dozen combinations of payment channels, sending options and delivery methods. It is possible to send money through on the Western Union website or its mobile app. You can use your bank account, debit card or credit card or send to a nearby location of the agent with cash. The physical network of the transfer company encompasses more than 200 nations and regions and nearly half million of its locations globally. + Important to know about Western Union Transfers are expensive and are among the costliest of providers we looked at — and only some options include same-day or next-day delivery. Some online transfer options can 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 until delivery. No foreign exchange rate markups. + Wise in a nutshell Wise (formerly TransferWise) balances cost and convenience on its online and mobile money transfer platform. You can sign up with the details of your Apple, Google or Facebook account instead of an account that is specific to a particular site, and your exchange rate is guaranteed until your cash arrives at Wise. Wise will transfer funds from the U.S. to about 80 countries (the exact number of countries fluctuates from time to time) without an exchange rate markup. however, they charge an exchange rate charge that is used to make the exchange happen, however it’s not a charge. It is important to be aware of Wise In the majority of cases, you’ll be charged two fees: a flat dollars amount (the upfront fee) which is increased depending on the amount you pay, and the exchange fee typically less than 1% of the amount you pay. From to the U.S. to the countries we looked into, more than half of the deliveries were estimated to take two to three hours, or less. (Read the full report here .) Return to top Looking for a bank that’s beneficial when you travel abroad? Check out METHODOLOGY FOR DOMESTIC TRANSFERS. To identify the most reliable domestic transfer services, we examined the following characteristics of 14 providers costs, speed of transfer of money or cash to the recipient’s bank account, user reach (where transactions data was readily available) Limit on the amount of money you can send and security measures. Priority went to those service providers that offer free transfers, have a proven track record and maintain strict security measures. We excluded P2P with a single bank since they usually limit users to a given bank. Note that all transfer limit amounts are based on the assumption that users have authenticated their identities since each app has its own requirements. Additionally, there are initial limits for first time users of the app. Providers surveyed: , , Facebook Pay (now Meta Pay), Google Pay, , , PopMoney, , , , , and . METHODOLOGY FOR TRANSFERS INTERNATIONAL We looked at seven companies that work in the U.S., mostly focusing on major players in the international money transfer market, based on market research, expert opinions in cost analysis, as well as U.S. internet traffic. Countries covered: Germany, India, Mexico and the United Kingdom. Providers surveyed: , (owned by PayPal) and (owned by PayPal). The fees and markups on exchange rates mentioned are based on the analysis below. The authors’ bios: Spencer Tierney is an expert in the field of certificates of deposit at NerdWallet. He has had his work featured in USA Today and the Los Angeles Times. Ruth Sarreal is a content managing specialist at NerdWallet. She has edited and written content on personal finance topics for more than five years. Similar to… Discover an account that is more suitable for checking View NerdWallet’s top picks for the best checking accounts. 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