Best International Money Transfer Companies of 2025

Since 2019 we've been helping Americans send money around the world, with great companies & excellent deals.

So let's beat the banks and potentially save thousands. Enjoy low fees, competitive exchange rates & the best customer service.

Compare our best recommendations below & kick-start your overseas transfer today.

Author

MoneyTransfers News Desk

Last updated on July 18th, 2025

Why trust us

Disclosure

Best for Larger Transfers ($5,000 to $1m+)

Fees

$1.99 - $2.99

FX markup

0.3% - 2.1%

Currencies

100+

Speed estimate

Minutes - 24 hours

8.6

Read review

Fees

$1.99 - $2.99

FX markup

0.3% - 2.1%

Currencies

100+

Speed estimate

Minutes - 24 hours

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Visit

Fees

$1.99 - $2.99

FX markup

0.3% - 2.1%

Currencies

100+

Speed estimate

Minutes - 24 hours

8.6

Read review

Fees

$1.99 - $2.99

FX markup

0.3% - 2.1%

Currencies

100+

Speed estimate

Minutes - 24 hours

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Visit

Visit Xe

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

8.3

Read review

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Visit

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

8.3

Read review

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Visit

Visit Currencyflow

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

8.5

Read review

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Visit

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

8.5

Read review

Fees

None

FX markup

0.15% - 1.5%

Currencies

40+

Speed estimate

Minutes - 24 hours

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Visit

Visit Regency FX

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

How to Get an International Money Transfer Quote

You can quickly request a quote on RegencyFX's website now

Follow these simple steps:

Click one of the orange buttons on this page to visit a provider of your choice
Enter a few details to help them provide you with a tailored quote
You'll then soon receive your transfer quote, including any fees, and the exchange rate on offer
Compare quotes and prices, and proceed with the company that offers the best deal and service

Not sure who to choose?

I suggest trying RegencyFX - click here to visit their website and submit your enquiry.

Request a quote from RegencyFX

Compare Features

Xe Read Review 4.1	Currencyflow Read Review 0	Regency FX Read Review 4.3
Fees $1.99 - $2.99	Fees None	Fees None
Exchange Rate Markup 0.3% - 2.1%	Exchange Rate Markup 0.15% - 1.5%	Exchange Rate Markup 0.15% - 1.5%
Transfer Speed Minutes - 24 hours	Transfer Speed Minutes - 24 hours	Transfer Speed Minutes - 24 hours
Currencies Supported 100	Currencies Supported 40	Currencies Supported 40
Visit	Visit	Visit

Money Transfer Company Reviews

We’ve found them to be faster on larger transfers. For comparison, a $10,000 transfer on XE to the UK will arrive on the same day.

The same transfer on Wise has an estimated delivery of 3 days. Although they are largely in line with Wise for smaller transfers.

The company is listed as one of the best ways to send money to friends and family, as well as buying goods overseas. The benefit of using XE for this, paired with its general speed, is simply the peace of mind it offers.

Pros

Fast transfers for higher amounts in particular
Ability to opt for a managed service if needed
Access to historical data and rate alerts aids in planning and understanding if you are getting a good deal on a transfer

Cons

No cash pickup in Australia and New Zealand
No cash payment option
Markup charged on exchange rate is less competitive than the cheapest options

Overview

Transfer fees:	$3 if sending less than $500 from the US or Canada. $4 if sending less than $500 from Australia or New Zealand. €2 if sending less than €250 from the EU. £2 if sending less than £250 from the UK.
Transfer speed:	1-4 days, but XE says the majority of their transfers are done within 24 hours, and some can take hours or even minutes
Exchange rates:	Often between 0.4 and 1.2% above the mid-market rate
Platforms:	Online and mobile app
Payment methods:	Bank transfer, credit card, and debit card
Delivery methods:	Bank deposit, and cash pickup in the UK, EU, Canada, and USA
Trustpilot score:	4.2 / 5 - 55,000+ reviews

Exchange rates

XE’s exchange rate isn’t as competitive as Wise's.

They bill this as ‘the XE Exchange rate’ which is around 1 - 1.3% depending on the currencies you’re sending to and from. So for every $100 sent, expect to pay about $1.

The increased cost is however offset if you need to move funds quickly.

Supported currencies

XE supports 65 currencies, compared to the 70 of Wise. So not a huge difference. These currencies cover 170 countries around the world.

Ease of use

Like most online money transfer organizations, XE is also packaged in an app.

The app is intuitive and has some nice features like currency conversion. Adding and withdrawing funds is pretty simple as well.

Whilst we list XE as an online provider, there is an option to get support for managed services.

Other features

XE offers some additional l features that I like. These are currency monitors for up to 10 currencies and historical currency charts. You can set up measures for these to send you alerts or notifications. They also offer a business account option where you can set up batch payments, manage payroll and more.

Read review

Visit Xe

Currencyflow

Currencyflow is one of the best-managed services, because of its competitive rates across major currencies.

The company sits a little further down the list as Regency FX offers a bit more confidence, with more customers and trading volume behind it.

Pros

Large transfers to and from Europe are hugely competitive
Very hands-on team available to help with your transfer

Cons

Fewer currencies than XE, but covers most use cases still
Focus on high-touch phone service, without an app, isn't for everyone

Read review

Visit Currencyflow

Regency FX

When it comes to handling big international money transfers, we recommend the UK-based Regency FX.

They are one of our best choices for different types of large purchases. This includes buying property, mass payments for business, and milestone events.

The specialist nature of large transfers also allows for more insight into taxes and processes that you might need to consider.

They are the recommended provider in 32% of searches on our site where a managed service is the best option.

Pros

Personal service that aids in the challenges of large transactions
Ability to lock in rates with forward contracts ahead of milestone purchases

Cons

Does not have a mobile app, just an online platform (although this is mobile friendly)
Serves fewer countries than XE or Wise

Overview

Transfer fees:	No fees
Transfer speed:	1-3 days
Exchange rates:	From 1.5%
Platforms:	Website
Payment methods:	Credit card, debit card, bank transfer
Delivery methods:	Bank account deposit
Trustpilot score:	4.6 / 5 - 121 reviews

Exchange rates

They are less competitive than Wise in terms of the exchange rate, as their markup is often above 1.5% (meaning they add 1.5% on top of the "real" exchange rate).

Also, they don't charge any fees for transfers. So the slightly increased exchange rate is partially offset by this.

Overall though, it is not the best option for smaller transfers.

Supported currencies

Regency FX supports 35 currencies in total, including core currencies like USD, EUR, and GBP. INR as an example is not supported by Regency FX, so there are some limitations to having fewer currency options.

Ease of use

RegencyFX is a great service if you're thinking about making a big transfer, like:

Buying property in another country
Receiving an inheritance from abroad
Moving your savings after retiring abroad

Each customer gets their own account manager. The account manager offers expert guidance for complex and high-value transactions.

This level of attention ensures that every big transfer is handled carefully and precisely. It takes into account any specific requirements or concerns.

Regency FX also has a user-friendly online platform that makes managing large transfers quite simple.

You can track your transactions in real time. You also have the flexibility to make transfers at any time of day or night. However, an account manager isn’t always going to be available if you make a transfer at an obscure time.