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12 Ways to Send Money Advertiser disclosure We make you our top priority. Each time. We believe that every person should be able to make financial decisions without hesitation. While our website does not include every company or financial product available on the market however, we’re confident that the advice we provide and the information we offer as well as the tools we design are independent, objective, straightforward — and cost-free. So how do we earn money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on our website) However, it in no way affects our suggestions or recommendations, which are grounded in hundreds of hours of research. Our partners do not promise us favorable review of their services or products. . 12 Best Ways to Transfer Money Spencer Tierney Senior Writer | Certificates of Deposit, ethical banking, banking deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has been covering personal finance since 2013 with a focus on certificate of deposit, as well as other banking subjects. The work he has written for him was featured on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He’s based at Berkeley, California. as well as Ruth Sarreal Content Management Specialist Accounts with banks bonus bank accounts Ruth Sarreal is a content management specialist who covers consumer banking topics at NerdWallet. She has more than a decade of experience writing and editing content for consumer websites. She previously edited articles on personal finance topics at GOBankingRates. She has had her work highlighted on Nasdaq, MSN, TheStreet and Yahoo Finance. Oct 3 2022 edited by Yuliya Goldshteyn Assistant editor Yuliya Goldshteyn works as a banking editor for NerdWallet. She has previously worked as an editor or writer, as well as research analyst across a range of industries from healthcare to market research. She earned a bachelor’s degree in the field of history from Berkeley at the University of California, Berkeley as well as a master’s degree in social sciences from the University of Chicago. You can reach her via

. The majority of items featured here come from our partners, who pay us. This impacts the types of products we write about as well as the place and way the product appears on the page. However, this does not influence our evaluations. Our views are our own. Below is a list of and . Check out our top picks for the best ways to send money: Best for mobile Best for referral bonus the fastest domestic transfer Most well-known online Transfers that are not bank-based best to send $10,000 or more within the U.S.: Cheapest transfer from bank to bank in the world the fastest for international transfers Ideal for transfers of large amounts across the globe: Best for transfer options Easy sign-up: The year’s best banking accounts. Switching banks? Do you need a savings account with a high yield with a high rate? Explore our 2023 Best-Of-Awards. When you send cash online, you must know the most efficient way to do so depends on how and where you’d like to send it. We looked at fees, speed , and other aspects to determine the most reliable domestic and international money transfer service. Remember to be cautious when using these services to ensure that you’re sending money to the right person. In most cases you’re not guaranteed a refund if your money goes to the wrong recipient. >> Protect your money: Find out Why you can depend on NerdWallet. Our writers and editors are held to a strict code of conduct standards to ensure that our content is accurate and fair and you’re able to pick the options that work best for you. + See a review of our top choices. to send money online, via mobile, or in person Best methods to transfer money: Domestic Venmo: Best for mobile. Cash app: Excellent to earn a referral bonus. Zelle: Fastest in domestic transfer (tie with Google Pay). Google Pay: Most efficient in domestic transactions (tie with Zelle). PayPal: Most popular online. Walmart2Walmart: Best for nonbank transfers. Transfers via bank wire: The best for sending $10,000 or more within the U.S. Best methods of sending cash: International MoneyGram: Cheapest for international bank-to-bank transfers. The fastest for international transfers. OFX: The best option for international transfers with large amounts. Western Union: Best transfer options. The Wise is the best option for simple registration. The best ways to transfer money inside U.S. U.S. Here’s a list of the most effective ways to send money domestically. Venmo: Best for mobile Why it’s our pick: Highly rated app to use on iOS and Android. Simple, free, and socially active money transfers. Plus Venmo brief overview, Venmo’s rating for its app is among the top of companies in the US we evaluated: 4.2 stars in the Google Play Store and 4.9 in Apple’s App Store. It’s free to transfer and receive cash when you link an account at a bank and debit card or prepaid debit card. Credit card transactions cost 3.3% on the amount you pay. With a few taps on Venmo after verifying your identity, you’ll be able to send up to $60,000 in a week. Your and the transactions of your friends will be displayed in the absence of any amount- on a news feed. If you prefer to keep your transactions secret, you can modify the settings to make sure that only your friends or you and the person you’re paying or receiving money from will be able to see your transactions. Important to know about Venmo The money you receive shows up instantly in your Venmo balance, however the process of cashing it out into a savings or checking account can take between one and three business days . It is also possible to transfer money to a debit card, typically within 30 minutes, for an additional 1.75% fee. (For more details, read .) Return to top Cash App The best referral bonus 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. There are no fees to send or receive money. + The Cash app in its simplest form Cash App lets you send and receive money for free with cash from your bank account that is linked to your debit card. You can create your own unique $Cashtag or username, within the app to help others to locate you and make it easier for them to send you money. In contrast to other P2P apps and ways to transfer money, on the list below, Cash App offers a $5 reward when someone signs up with an affiliate link, and then sends at least $5 to their new account. + Important to know about Cash App. You’ll need be a member of a banking institution in order to utilize Cash App. Cash you receive will show up instantly in the app’s balance but it will take one at least three working days for money to be credited to your account at the bank if you choose to transfer. Cash out immediately to your debit card however you’ll be charged the 0.5% -1.75 percentage cost. You’re limited to sending and receiving a maximum of $1,000 in 30 days. If you wish to increase your limit you’ll have to provide more details about yourself, including your full name, birth date as well as the four digits of your Social Security number. If you make a payment using a credit card, you’ll be charged a 3% fee. (For more details, refer to .) For more information, see. Zelle: Fastest (tie with Google Pay) Why it’s our top choice: Delivery time tends to take under a minute. Already integrated with more than 1,000 financial institutions, connecting more than 100 million people. + Zelle in a nutshell Zelle it is possible to transfer and deliver money within minutes between bank 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 the 100 million customers they serve can use Zelle within their bank’s website or mobile application. Even if your financial institution doesn’t part the network, Zelle can be downloaded as a standalone application. Note: It’s important to know about Zelle You’ll require an U.S. bank account to fund and receive payments . Zelle doesn’t charge any charges, but any of its partners banks may choose to. Although the limits are different for each bank however, the biggest banks set a daily transfer maximum of $2,000 or $2,500. Zelle is not designed for selling or buying things and therefore you are not covered from those transactions. In addition, if you transfer money in the wrong direction or transfer the incorrect amount, you could be out of luck. Security is limited to the event that someone steals their Zelle username or password then uses it to send money. Return to the top of Google Pay: Fastest (tie with Zelle) Why it’s our preference: Instant transfers to a debit card with a lower cost than the other P2P payments services charge. It is a seamless integration of money transfer service in email. Plus Google Pay in simple terms Google Pay lets you transfer money at no cost using a QR code, recipient’s name, phone number, or email address. You can also withdraw funds immediately from the app wallet to a debit card at a 1.5 percent cost. When you’re not in a hurry and want to withdraw funds for free into a savings or checking account at a banks, which takes one to three days for processing. The maximum amount you can transfer is $5,000 each day. Debit and bank accounts can be used to fund transfers, but the credit card and prepay ones aren’t able to. The most important thing to know about Google Pay Google Pay covers 100% of verified unauthorized transactions that aren’t the norm for all money transfer services and services. Return to top PayPal: Most used online. Our top choice: The highest transfer limit. There are more than 400 million users around the world. + PayPal in the simplest terms PayPal provides free transfers to the U.S. when you fund using a bank account, or a PayPal balance. Credit card payments — and unlike other providers, a debit card -is charged a fee of 2.9 percent of the total amount, plus 30 cents. Transfers from bank accounts are completely free. + Important to know about PayPal Depending on your currency and the amount you can send per transfer ranges between $10,000 and $60,000. But if you’re sending that much money, doing so via a bank will provide greater security for your balance, such as FDIC insurance. Transferring money to bank accounts is free and takes one to two business days depending on the date the transfer was initiated after 7 p.m. ET or on weekends. You can also make payments with an instant transfer to a linked debit card. You can pay or transfer cash through the website or mobile app on iOS and Android as well as at PayPal.Me which lets you create your own personal link which your family and friends can use to pay you. (Read our review .) Return to top Walmart2Walmart: Best for nonbank transfers Why it’s our pick: Convenient option for sending cash to or from a Walmart store. + Walmart2Walmart in the simplest way to transfer cash, Walmart is a convenient option, especially if you and/or your recipient are near a store you can transfer money through an Walmart store for pickup at the Walmart. Walmart has a partnership with a variety of companies that offer money transfer services which means you can send money from 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 pick up the money within minutes. And similarly, you can transfer money from Walmart for pickup within minutes at an Western Union or MoneyGram location. (Ria locations aren’t a pickup option.) It is important to be aware of Walmart2Walmart In the majority of states, the maximum amount you can pay per day is $2,999.99 Prices begin at $2.50. (For more about Walmart financial services including information regarding their involvement in the FTC case against it, read our .) To the top Bank wire transfer: B est for sending $10,000 or more within the U.S. This is why it’s our pick: Delivers large amounts between banks another within hours or minutes. + Bank wire transfers in one sentence Making a wire transfer via your bank might be the best way to transfer a large sum quickly. Although they’re as easy as P2P apps can be however, they restrict the amount you can transfer, usually $1,000 to $10,000 per transfer, and delivery can be delayed for several days. However, bank wire transfers generally arrive within hours or minutes. It is important to be aware of bank wire transfers. There’s a hefty cost for transfers. In a study of large institutions, the mean domestic wire fee for sending $25 and $15 for receiving (see ). If you need to send lots of money in hours, however it is possible that the expense will make sense. Are you interested in sending funds via wire transfer? Learn Back to top Best methods for international money transfers Below, we’ll provide our picks for the best methods to transfer money internationally. If you are making a transfer abroad, you generally encounter two costs: the cost to send money (also called the upfront or outbound fee) and fees for foreign exchange, or the markup on the exchange rate that financial institutions use when they transfer funds between them. Take a look at both fees to determine the most affordable price. Check out our advice on money transfers as well as definitions for the most commonly used money transfer terms: Money Transfer Rates The three different rates will determine how much your money transfer will cost and how much money your beneficiary will get. Exchange rate: An exchange rate is the value of one currency relative the other currency. For instance, if you are looking 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 also called the interbank rate (also known as interbank exchange rate), is the exchange rate large banks utilize to swap currencies between one another. Exchange rate markup: Many providers use an exchange rate markup when pricing your transfer. They give customers an exchange rate that’s the midmarket rate, plus another percentage also known as a markup, so that they can make a profit on the transfer. Example is: If the rate midmarket for U.S. dollars to Mexican pesos is 20 psos per dollar, then a two markup of 2% signifies that the service is offering you 19.6 pesos per dollar. For a $500 transfer with an average rate, you’d transfer 10,000 pesos. However, with a 2% markup, you’d end up sending 9,800 pesos. The more you mark up is, the less your recipient will receive in their currency. General advice for international cash transfers 1. Know how exchange rates work (and how to determine the most effective). One of the ways that money transfer providers make money is through markups for exchange rates. Most transfer providers won’t give you the rate of exchange you’d see on platforms for currency exchange like those at Bloomberg.com and Reuters.com. They will only inform you of the price of one currency in relation to the other, but they’re a good starting point for knowing what the most favorable rate will look like this minute. When you check the exchange rate for an international transfer using services such as Western Union, focus on the markup on exchange rates by examining the foreign currency value. The more it is higher then the less markup you pay, and the more money your recipient receives. 2. Compare the total cost of transfer across different providers. There are two types of fees: upfront cost and exchange rate markup (see below). Choose the one that offers the lowest fee combined with the best exchange rate available. Usually online nonbank providers offer cheaper transfers than banks. 3. Avoid paying with the credit card. It’s an option for certain companies, but there may be a higher upfront fee and your credit card provider might add additional charges like interest and cash advance fees. Transfers made through a bank account directly tends to be a much cheaper (and far slower) transfer. If you require money promptly, consider using a debit card, which will also incur a lower fee than using a credit card. MoneyGram: Cheapest for bank-to-bank transfers at MoneyGram Our pick The lowest fee for transfers between and to bank accounts. + MoneyGram in an easy to understand format MoneyGram commands a network of locations in over 200 nations and regions. Transfers between different locations take a few minutes to be delivered as cash pickup. This is similar to MoneyGram’s primary competitor, Western Union. Transfers sent online or by mobile application to bank accounts in different countries can take up to one hour or just one business day. Other services can take several business days to transfer to accounts at banks. When it comes to bank-to-bank transfers, MoneyGram is the cheapest alternative. It is important to be aware of MoneyGram You’ll be required to pay charges. When sending money between $200 and $1,000, average fees range from approximately $6 to $14 in the countries we studied according to the sending and receiving methods. MoneyGram will also mark up rates of exchange, which range from 0.60% to nearly 8.44%. For the countries we looked at, the maximum amount you can send per transaction ranges from $10,000 to $15,000 — these limitations are on the low end compared with other providers in this list. (See the list of our .) Return to top Xoom: Most efficient Why we chose it for transfers to bank accounts in foreign countries within minutes for some countries. + Xoom in a nutshell The Xoom service– an online PayPal service — specializes in quick transfers to around 160 countries. You can send up to $100,000, though the larger the amount you wish to send, the longer you’ll have to wait as well as the greater personal details you’ll need to provide (such such as passport, Social Security number and a bank statement or pay stub). You can transfer money using a debit card, bank account, credit card or the payment methods stored within your PayPal account, and most transactions are processed within just a few minutes. Xoom is a partner with banks of major importance in other countries, allowing customers to have money delivered to bank accounts, or in some countries, for cash pickup or as mobile phone reloads. The most important thing to know about Xoom Cost is the area where Xoom does not compare to competitors. Xoom earns its money from exchange rates, however, it offers better rates to send larger amounts to specific countries. Transfers from one bank account to the next are only sometimes free. In general, charges may be higher if you make use of a credit or debit card. (For more information, see our .) Return to top of OFX: Best for international transfers of large amounts at OFX. Why we recommend it There is no limit on the amount you can transfer. There are no fees, regardless of the amount you send. In a nutshell, OFX. OFX doesn’t charge fees regardless of the amount you pay. Additionally its online service allows you to make a transfer at current exchange rates or target rates for the future, which means the money will be transferred once the exchange rate has been reached. From the U.S., you can transfer money to more than 50 currencies. OFX is the best option if would like 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 about OFX OFX has a minimum transfer limit of $1000. The cost to consumers comes as exchange rate markups, which are high when compared to other providers. Delivery usually takes several business days. (Read our for more details.) Return to the top Western Union: Best transfer options . Why we picked it Wide worldwide network of branches. Numerous ways to send and collect money. and Western Union in a nutshell The largest money transfer business globally, Western Union also has a sizable range of options for transfer . On the provider’s price estimator tool, you’ll find more than a dozen combinations of sending 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 a bank account as well as debit or credit card or make a payment from a nearby agent location with cash. The physical network of the transfer company covers over 200 countries and territories and over half of a million points globally. It is important to be aware of Western Union Transfers. They’re expensive and are among the costliest of companies we examined- and only some options offer next-day or same-day delivery. Some online transfer options can require several business days to delivery. (Read our review .) To the top Wise: The best for easy registration at Wise Why it’s our pick for the best user-friendly experience on the web from sign-up to delivery . No foreign exchange rate markups. + Wise in the simplest terms Wise (formerly TransferWise) balances the convenience of its customers and their costs through its online and mobile money transfer service. You can sign-up using your Apple, Google or Facebook account, instead of a site-specific login, and the exchange rate you receive is guaranteed until the money is received by Wise. Wise sends cash out of in the U.S. to about 80 countries (the exact number changes from time to time) without an exchange rate markup. they do charge you an exchange rate charge that is used to make the exchange possible, but they don’t charge a mark-up. It’s important to know about Wise In the majority of cases, you’ll pay two fees: a flat sum of dollars (the upfront cost) which is increased according to the amount you send as well as the exchange cost, which is often less than 1percent of the total amount you pay. In to the U.S. to the countries that we studied the majority of the deliveries were estimated to take two hours or less. (Read our .) To the top Are you looking for a bank beneficial when you travel to another country? Check out METHODOLOGY FOR DOMESTIC TRANSFERS To determine the best domestic transfer services We looked at the following characteristics of 14 service providers charges, speed of delivery of money or cash to the recipient’s bank account, user reach (where transaction data were available) limits on sending amounts and security measures. The top priority was given to the providers that offer no-cost transfers, have established histories and adhere to high security standards. We excluded P2P with a single bank as they generally restrict users to one particular bank. Note the transfer amount limits given assume users have verified their identity because each app needs to verify their identity. There are also initial amount limitations when you first start using the application. Providers that were surveyed: Facebook Pay (now Meta Pay), Google Pay, , PopMoney, , , , , and . METHODOLOGY for international transfers We examined seven service providers that work within the U.S., mostly focusing on the top players in the international money transfer industry Based on market research, expert opinions, cost analysis and U.S. internet traffic. Countries covered: Germany, India, Mexico and the United Kingdom. The providers surveyed are: (owned by PayPal) and (owned by PayPal). Fees 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 on USA Today and the Los Angeles Times. Ruth Sarreal is a content management specialist at NerdWallet. She has written and edited articles on topics related to personal finance for more than five years. On a similar note… Discover a better checking account View NerdWallet’s top picks for the best checking accounts. Explore Banking even more deeply. Get more smart money moves – straight to your inbox. Sign-up and we’ll send you Nerdy posts about money-related topics that are important to you and other strategies to get more from your money.

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