Expats around the world, including in Europe, are often on the lookout for the best ways to send money internationally to help their loved ones back home, for business, and so on. Luckily, dozens of money-transferring apps offer secure, fast, and inexpensive remittance services. In this article, we look at some of the best money transfer apps on the market so that you can choose the one that suits your needs.
Money-transfer services
When researching send-and-receive money apps, you should first pay attention to several important factors, including:
- Security. The safest money transfer apps are licensed and regulated by authorities and follow all industry standards, and this information should be readily available to prospective users.
- Availability. Check if the service covers your destination and what payout options there are.
- Cost. What rates and charges does the app apply to send money internationally?
- Speed. Most international money transfer apps promise instant delivery, but that depends on how you pay and your destination.
The cost and speed of online money transfer services are also affected by the currencies involved, the amounts sent, and even the timing, with some providers charging more, for example, on weekends. In this review, we focus on the following money-transferring apps:
- LemFi
- Nala
- Remitly
- Revolut
- Wise
- Profee
LemFi
A relative newcomer to the international money transfer apps market, LemFi is a Nigerian fintech startup focusing on the African market as well as other destinations such as India, China, and Pakistan. The delivery options are limited to deposits to bank accounts and mobile wallets in some destinations, such as M-Pesa in Kenya. As a send-and-receive money app, it allows funds requests and currency conversion.
LemFi offers zero-commission transfers to several African countries, such as Nigeria and Ghana, and some European destinations. However, its withdrawal charges are not clear, and its customer support service is rather limited, which may undermine its aspirations to join the best money-sending apps club in the future.
Unlike some other money-transferring apps, such as Profee, whose signup procedure is streamlined, LemFi requires users to verify their identity during registration. It also does not have a web-based interface, which, for some, might be an inconvenience for an online money transfer service.
Following the example of some of the best money-sending apps, LemFi runs a referral programme with variable bonuses for both parties.
Nala
Another send-and-receive money app focusing on Africa, Nala, offers transfers from Europe, the UK, and the USA to African countries such as Kenya and Nigeria. It has also recently launched its online money transfer services to Pakistan and the Philippines, but overall, it is available only in about 20 countries.
In addition, there is Nala Wallet, which allows users to add funds to their account in the money-transferring app, including those earned from their referral programme. Nala also offers services for businesses, such as bill and shopping payments. There is only an app to send money and no web interface, and its fee structure is rather vague. There may be a fee if money is sent to a bank account, for example, and its currency exchange rates are higher than mid-market. Payment options are limited to debit cards only.
Remitly
Many consider Remitly to be among the best money transfer apps on the market. Founded in 2011, it is an American remittance company that operates in around 100 currencies and has expanded its online money transfer services to more than 170 destinations worldwide. Remitly offers two types of transfers: express and economy transfers. The former is faster but more expensive, so it might not be the best money transfer app for emergencies.
The service has several delivery options, including bank deposits, mobile money, an extensive cash pickup network of more than 460,000 locations globally, and home delivery in some countries. Thanks to this and its efficient support service, many users view Remitly as one of the best ways to send money internationally.
Remitly’s fees vary depending on the sender’s and recipient’s locations, payment methods, etc. For example, it may apply a 3% charge on payments with credit cards, but there may be no commission for certain destinations. Its exchange rates for some currencies might be higher than with other money-transferring apps and are affected by other factors, such as the transfer amount.
Revolut
Despite, or thanks to, Revolut being essentially a bank and offering a wide range of services respectively, it is often mentioned among the best money transfer apps. The main reason for this is free transfers within its system combined with its wide international presence in over 200 countries.
Revolut operates on a subscription basis offering different sets of services in each tier. The basic, or Standard tier is offered free of charge, but its package of free services is limited and the online money transfer services are more expensive than for paid subscribers and compared to some other apps to send money internationally.
Overall, international transfers via Revolut are subject to variable fees depending on the amount, sender’s location, transfer destination, etc. Revolut may also impose additional charges on transfers on specific days or times, such as weekends or out-of-office hours.
Vance
A self-proclaimed ‘neobank for NRIs’ (Non-Resident Indians), Vance is an app to send money to India from the EU, the UK, the USA, UAE, and Canada. Its currency exchange rates are competitive and close to midmarket, and it charges a flat fee on most transfers, as many other international money transfer apps do. For example, Vance charges a transfer from Europe or the UK to India with €3 or £3, respectively, and your first transaction is usually commission-free. Such an approach is acceptable if you need an app to send money occasionally and in more significant amounts but not so much for regular smaller payments.
Wise
Another veteran of the remittance market, Wise was founded in 2011 in the UK and has since earned a reputation as one of the best money transfer apps. It is available in over 160 destinations and, depending on the location, offers other services such as foreign exchange for more than 40 currencies or investing options.
Wise claims to offer faster and cheaper remittance services thanks to its vast network of local partner banks. Still, its fees are not always the lowest compared to other money-transferring apps, as this review by Forbes shows.
It operates both through a web interface and as an app to send money. The acceptable payment methods include bank cards, wire transfers, direct debits, and Google/Apple Pay, but their availability might be limited in some locations.
Wise runs a referral programme, although the eligibility thresholds are higher than those offered by other apps to send money, meaning that your referee needs to send a relatively large amount for you to get your bonus. It also actively runs an affiliate programme inviting influencers and businesses to promote it as the best international money transfer app in exchange for a commission.
Profee
One of the best money transfer apps for remittances from Europe to over 90 destinations worldwide is Profee. It upholds the highest standards of service and security, which makes it one of the most convenient and safest money transfer apps.
Profee employs a unique AI-driven market monitoring system that, at any moment, ensures its currency exchange rates are one of the best among other money transfer apps. The service keeps the fees low, making it one of the best ways to send money internationally.
Customers can also benefit from Profee’s generous referral programme. It awards both the referrer and the referee when the latter sends their first transfer. The programme is available as a money-transfer app and a web-based service.
Customer ratings
Objective opinions on the best money transfer apps can be found in user reviews on independent platforms such as Trustpilot to help you with your research. The table below gives an idea of how its customers rate each of the above providers and how it addresses their concerns (if it does at all).
Trustpilot reviews of best international money transfer apps 2025
| Сервис | Rating (out of 5) | Total number of reviews | 5-star reviews | 1–2-star reviews | Replied to negative reviews | Reaction time |
|---|---|---|---|---|---|---|
| Wise | 4.3 Excellent | Around 254,000 | 81% | 10% | 76% | < 1 w |
| Revolut | 4.4 Excellent | Around 191,1000 | 75% | 13% | 94% | < 48 h |
| Remitly | 4.6 Excellent | Around 77,000 | 82% | 10% | 94% | < 1 w |
| LemFi | 4.4 Excellent | Around 2,800 | 69% | 14% | 0% | - |
| Vance | 3.5 Average | Around 980 | 60% | 35% | 28% | < 2 w |
| Nala | 3.5 Average | Around 500 | 62% | 27% | 98% | < 1 mo |
| Profee | 4.4 Excellent | Around 5,500 | 81% | 11% | 99% | < 24 h |
As you can see, even among those with an Excellent rating, Profee treats its customers most responsibly, immediately deploying its customer support service to any kind of queries. With the favourable exchange rates and ease of use, Profee is one of the best international money transfer app. Get the iOS/Android app or check the currency converter to start sending, saving, and earning money with Profee now.
