Best Money Transfer 2026

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1. ObservedJul 3, 2026Conversation1 turnsPlacementAfter turn 01 turns · After turn 0Replay chat
   Observed conversationJul 3, 2026 · interface recreation

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   What is the cheapest way to send money internationally?

   The cheapest option depends on where you're sending money, how much you're sending, and how the recipient receives it (bank account, mobile wallet, or cash pickup). In general, these are among the lowest-cost methods:

   1. Wise

      • Often one of the cheapest for bank-to-bank transfers.
      • Uses the mid-market exchange rate and charges a transparent fee.
      • Good for many major currencies.

   2. OFX

      • Often has no transfer fee for larger amounts.
      • Makes money through the exchange rate spread.
      • Better suited to medium or large transfers.

   3. Remitly

      • Frequently competitive for sending money to family overseas.
      • Offers bank deposits, mobile wallets, and cash pickup in many countries.
      • Promotional rates may be available for first-time users.

   4. Xe Money Transfer

      • Competitive exchange rates for many currency pairs.
      • Good international coverage.

   5. Revolut (where available)

      • Can be very inexpensive if both sender and recipient use supported features.
      • Exchange limits and weekend markups may apply depending on the plan.

   If you're sending a large amount

   Don't just compare transfer fees. The exchange rate often has a much bigger impact than the advertised fee. A service with a $0 transfer fee but a poor exchange rate can cost more overall than one with a small upfront fee.

   Avoid when possible

   • Traditional bank wire transfers, especially for small amounts, as they may include:
     • Sending fees ($15–$50)
     • Intermediary bank fees
     • Less favorable exchange rates
   • Credit card-funded transfers, since they may incur cash advance fees and higher interest.

   Best choice by situation

   • Lowest overall cost: Wise
   • Fast transfer to family: Remitly
   • Large international transfer: OFX
   • Recipient needs cash: Remitly (where supported)

   If you tell me:

   • the country you're sending from,
   • the country you're sending to, and
   • the approximate amount,

   I can suggest the option that's likely to cost the least for your specific transfer.

   

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