/Reviews/BOSS Money review

BOSS Money App Review: Exchange Rates, Transfer Fees & Support

BOSS Money offers international money transfers to 50 countries in 35 currencies.

IDT Payment Services may generate revenue when exchanging dollars for foreign currency.

BOSS Money doesn't charge a fee for first 3-5 transfers in all destinations.

In fact, BOSS Money is the cheapest way to send money to Bolivia or Venezuela from all the companies we have compared.

For example, sending $1,000 to BOB will get you 9,148.20 BOB with XE vs 9,327 BOB with BOSS Money, that’s ~$26 more.

Read on to learn more about their fees, payment/withdrawal methods, and more.

Disclosure
BOSS Money
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Expert Rating
8.7/10

$0 fee on first 3 transfers & special rates for new users

$0 fee on first 3 transfers & special rates for new users

New users get special rates and $0 fee on transfers to multiple countries.

Not all destination currencies are included in the offer, so please check the BOSS Money website before sending.

Is BOSS Money right for you?

Here's a quick overview of why you should consider BOSS Money and when you should be looking for an alternative.

BOSS Money is good if…

Find an alternative if…

  • You want to send small amounts on the go (up to $5,000)

  • You're sending money from the US

  • You are looking for a good first transfer deal

  • You want to send money to a mobile wallet

  • You need to make a large transfer

  • You're sending more exotic currencies abroad

  • You need to make domestic transfers

  • You need a multi-currency account

RATING BREAKDOWN

Scoring BOSS Money

The key areas of our BOSS Money review are focused on the fees, transfer limits & speed, product offering, ease of use, safety, and customer feedback.

Before you choose whether to transfer funds overseas with BOSS Money, here’s a quick summary of the benefits and drawbacks.

Pros

  • Great exchange rates for transfers to GTQ, DOP, HNL, MXN, USD, HTG, NIO, COP, XAF, GHS, NGN, BOB, VES, MWK, PEN, and more
  • High number of deposit and withdrawal methods
  • Low fees for ACH and debit card deposits
  • Transparent fees and exchange rates
  • Promo rates & free transfers for new users

Cons

  • Transfers can only be sent from the US to 50 countries funded in USD, though recipients receive funds in their local currency.
  • Only 50 countries and 35 currencies covered
  • Low maximum transfer limits of $5,000
COST

BOSS Money exchange rate & fees

Just like with other money transfer companies, BOSS Money charges a fee and exchange rate markup.

Exchange rates

BOSS Money only allows transfers from USD, hence we’ve analyzed the markup based on a transfer from the US, in USD.

We’ve analysed the actual rates offered by BOSS Money, not the promotional ones, and we’ve excluded USD/USD transfer corridors.

There's no USD to USD exchange rate applied, if you send 50 USD, you get 50 USD.

For each currency pair, we’ve looked at sending $100, $500, $1000, $2000.

This should give a clear and fair picture of how BOSS Money stacks against the competition.

Here’s a breakdown of all the currencies and how much you will receive with BOSS Money, based on a $500 transfer and debit card deposit method.

Country

Currency pair

Receive amount

BD

USD/BDT

12100.92 BDT

BF

USD/XOF

54851.99 XOF

BJ

USD/XOF

53878.5 XOF

BO

USD/USD

100 USD

BO

USD/BOB

909.44 BOB

BR

USD/BRL

494.96 BRL

CD

USD/USD

100 USD

CI

USD/XOF

54636 XOF

CM

USD/XAF

54895.22 XAF

CO

USD/COP

353111.2 COP

CR

USD/USD

100 USD

CR

USD/CRC

43240.05 CRC

DE

USD/EUR

83.82 EUR

DO

USD/USD

100 USD

DO

USD/DOP

5735.77 DOP

EC

USD/USD

100 USD

ER

USD/ERN

1492.5 ERN

ES

USD/EUR

83.65 EUR

ET

USD/ETB

15350.33 ETB

FR

USD/EUR

83.82 EUR

GB

USD/GBP

72.47 GBP

GH

USD/GHS

1115 GHS

GH

USD/GHS

1115 GHS

GM

USD/GMD

6697.18 GMD

GN

USD/GNF

851090.62 GNF

GR

USD/EUR

83.82 EUR

GT

USD/USD

100 USD

GT

USD/GTQ

754.45 GTQ

HN

USD/USD

100 USD

HN

USD/HNL

2659.65 HNL

HT

USD/USD

100 USD

HT

USD/HTG

13053.08 HTG

IE

USD/EUR

83.82 EUR

IT

USD/EUR

83.82 EUR

JM

USD/JMD

15386.98 JMD

KE

USD/KES

12696.23 KES

LR

USD/USD

100 USD

MG

USD/MGA

395374.72 MGA

MW

USD/MWK

197000 MWK

MX

USD/MXN

1728.94 MXN

MX

USD/MXN

1728.94 MXN

MZ

USD/MZN

6042.77 MZN

NG

USD/NGN

136457.69 NGN

NI

USD/USD

100 USD

NL

USD/EUR

83.82 EUR

NP

USD/NPR

14802 NPR

PA

USD/USD

100 USD

PE

USD/USD

100 USD

PE

USD/PEN

343.85 PEN

PH

USD/PHP

6026.58 PHP

PK

USD/PKR

27745.78 PKR

PT

USD/EUR

83.82 EUR

RW

USD/RWF

142131.6 RWF

SL

USD/SLE

2276 SLE

SN

USD/XOF

54307.88 XOF

SV

USD/USD

100 USD

TG

USD/XOF

54740.33 XOF

UG

USD/UGX

362350.91 UGX

VE

USD/VES

57887.46 VES

ZW

USD/USD

100 USD

*Date collected in April 2026 from the BOSS Money website, for a 500 USD transfer, and debit card deposit method.

It’s worth noting that the exchange rates do not change based on the transfer amount, meaning you will get the same rate for sending $100 or $5,000.

This is a very competitive offering in comparison to other money transfer companies.

For example, for USD/GHS you’d be getting 5,229.73 with Wise vs 5413 with Boss Money, which is ~$17.13 more.

In addition to the above, you can send USD to the following countries:

  • Bolivia

  • Costa Rica

  • Democratic Republic of the Congo

  • Dominican Republic

  • Ecuador

  • El Salvador

  • Guatemala

  • Haiti

  • Honduras

  • Liberia

  • Nicaragua

  • Panama

  • Peru

  • Zimbabwe

As we’ve mentioned, with BOSS Money, you can send USD to USD, 1:1 to these countries.

International transfer fees

BOSS Money charges a fixed fee per transfer, you can also benefit from a $0 transfer fee on your first 3-5 transfers depending on the countries involved.

Before diving deeper into the fees, similar to the exchange rates, we’ve collected all the fees for all available destination currencies from USD, for transfers of $100, $500, $1,000, and $2,000.

All fees are paid by the sender on top of the transfer amount, recipients always receive the full amount shown at the time of booking.

In general, this is how the fees range for BOSS Money, depending on the transfer amounts, using the cheapest payment method:

Amount

Cheapest fee & deposit method

Highest fee & deposit method

$100

$0.00 (Bank Account, BOSS Money Wallet, Debit Card, Mobile Pay)

$9.99 (Credit Card)

$500

$0.00 (Bank Account, BOSS Money Wallet, Debit Card, Mobile Pay)

$23.00 (Credit Card)

$1,000

$0.00 (Bank Account, BOSS Money Wallet, Debit Card, Mobile Pay)

$29.99 (Credit Card)

$2,000

$0.00 (Bank Account, BOSS Money Wallet, Debit Card, Mobile Pay)

$60.00 (Credit Card)

The fees heavily depend on the deposit/withdrawal methods, the destination, and the amount.

Below is the raw data we found for each deposit method. We've used bank account as the receiving method.

Use the tabs to change the amounts.

Country

Currency

Deposit Method

Transfer fee

Receive amount

BD

BDT

Bank Account

0

12100.92 BDT

BD

BDT

Credit Card

4.99

12100.92 BDT

BD

BDT

Debit Card

0

12100.92 BDT

BD

BDT

Mobile Pay

0

12100.92 BDT

BD

BDT

BOSS Money Wallet

0

12100.92 BDT

BF

XOF

Bank Account

0

54851.99 XOF

BF

XOF

Credit Card

4.99

54851.99 XOF

BF

XOF

Debit Card

0

54851.99 XOF

BF

XOF

Mobile Pay

0

54851.99 XOF

BF

XOF

BOSS Money Wallet

0

54851.99 XOF

BJ

XOF

Bank Account

0

53878.5 XOF

BJ

XOF

Credit Card

4.99

53878.5 XOF

BJ

XOF

Debit Card

0

53878.5 XOF

BJ

XOF

Mobile Pay

0

53878.5 XOF

BJ

XOF

BOSS Money Wallet

0

53878.5 XOF

BO

USD

Bank Account

0

100 USD

BO

USD

Credit Card

4.99

100 USD

BO

USD

Debit Card

0

100 USD

BO

USD

Mobile Pay

0

100 USD

BO

USD

BOSS Money Wallet

0

100 USD

BO

BOB

Bank Account

0

909.44 BOB

BO

BOB

Credit Card

4.99

909.44 BOB

BO

BOB

Debit Card

0

909.44 BOB

BO

BOB

Mobile Pay

0

909.44 BOB

BO

BOB

BOSS Money Wallet

0

909.44 BOB

BR

BRL

Bank Account

0.99

494.96 BRL

BR

BRL

Credit Card

4.99

494.96 BRL

BR

BRL

Debit Card

0

494.96 BRL

BR

BRL

Mobile Pay

0

494.96 BRL

BR

BRL

BOSS Money Wallet

0

494.96 BRL

CD

USD

Bank Account

0

100 USD

CD

USD

Credit Card

4.99

100 USD

CD

USD

Debit Card

0

100 USD

CD

USD

Mobile Pay

0

100 USD

CD

USD

BOSS Money Wallet

0

100 USD

CI

XOF

Bank Account

0

54636 XOF

CI

XOF

Credit Card

4.99

54636 XOF

CI

XOF

Debit Card

0

54636 XOF

CI

XOF

Mobile Pay

0

54636 XOF

CI

XOF

BOSS Money Wallet

0

54636 XOF

CM

XAF

Bank Account

0

54895.22 XAF

CM

XAF

Credit Card

4.99

54895.22 XAF

CM

XAF

Debit Card

0

54895.22 XAF

CM

XAF

Mobile Pay

0

54895.22 XAF

CM

XAF

BOSS Money Wallet

0

54895.22 XAF

CO

COP

Bank Account

0

353111.2 COP

CO

COP

Credit Card

4.99

353111.2 COP

CO

COP

Debit Card

0

353111.2 COP

CO

COP

Mobile Pay

0

353111.2 COP

CO

COP

BOSS Money Wallet

0

353111.2 COP

CR

USD

Bank Account

0

100 USD

CR

USD

Credit Card

4.99

100 USD

CR

USD

Debit Card

0

100 USD

CR

USD

Mobile Pay

0

100 USD

CR

USD

BOSS Money Wallet

0

100 USD

CR

CRC

Bank Account

0

43240.05 CRC

CR

CRC

Credit Card

4.99

43240.05 CRC

CR

CRC

Debit Card

0

43240.05 CRC

CR

CRC

Mobile Pay

0

43240.05 CRC

CR

CRC

BOSS Money Wallet

0

43240.05 CRC

DE

EUR

Bank Account

0

83.82 EUR

DE

EUR

Credit Card

4.99

83.82 EUR

DE

EUR

Debit Card

0

83.82 EUR

DE

EUR

Mobile Pay

0

83.82 EUR

DE

EUR

BOSS Money Wallet

0

83.82 EUR

DO

USD

Bank Account

0

100 USD

DO

USD

Credit Card

4.99

100 USD

DO

USD

Debit Card

0

100 USD

DO

USD

Mobile Pay

0

100 USD

DO

USD

BOSS Money Wallet

0

100 USD

DO

DOP

Bank Account

0

5735.77 DOP

DO

DOP

Credit Card

4.99

5735.77 DOP

DO

DOP

Debit Card

0

5735.77 DOP

DO

DOP

Mobile Pay

0

5735.77 DOP

DO

DOP

BOSS Money Wallet

0

5735.77 DOP

EC

USD

Bank Account

0

100 USD

EC

USD

Credit Card

4.99

100 USD

EC

USD

Debit Card

0

100 USD

EC

USD

Mobile Pay

0

100 USD

EC

USD

BOSS Money Wallet

0

100 USD

ER

ERN

Bank Account

0

1492.5 ERN

ER

ERN

Credit Card

4.99

1492.5 ERN

ER

ERN

Debit Card

0

1492.5 ERN

ER

ERN

Mobile Pay

0

1492.5 ERN

ER

ERN

BOSS Money Wallet

0

1492.5 ERN

ES

EUR

Bank Account

0

83.65 EUR

ES

EUR

Credit Card

4.99

83.65 EUR

ES

EUR

Debit Card

0

83.65 EUR

ES

EUR

Mobile Pay

0

83.65 EUR

ES

EUR

BOSS Money Wallet

0

83.65 EUR

ET

ETB

Credit Card

4.99

15350.33 ETB

ET

ETB

Debit Card

0

15350.33 ETB

ET

ETB

Mobile Pay

0

15350.33 ETB

ET

ETB

Bank Account

0

15350.33 ETB

ET

ETB

BOSS Money Wallet

0

15350.33 ETB

FR

EUR

Bank Account

0

83.82 EUR

FR

EUR

Credit Card

4.99

83.82 EUR

FR

EUR

Debit Card

0

83.82 EUR

FR

EUR

Mobile Pay

0

83.82 EUR

FR

EUR

BOSS Money Wallet

0

83.82 EUR

GB

GBP

Bank Account

0

72.47 GBP

GB

GBP

Credit Card

4.99

72.47 GBP

GB

GBP

Debit Card

0

72.47 GBP

GB

GBP

Mobile Pay

0

72.47 GBP

GB

GBP

BOSS Money Wallet

0

72.47 GBP

GH

GHS

Bank Account

0

1115 GHS

GH

GHS

Bank Account

0

1115 GHS

GH

GHS

Credit Card

4.99

1115 GHS

GH

GHS

Debit Card

0

1115 GHS

GH

GHS

Mobile Pay

0

1115 GHS

GH

GHS

BOSS Money Wallet

0

1115 GHS

GH

GHS

Credit Card

4.99

1115 GHS

GH

GHS

Debit Card

0

1115 GHS

GH

GHS

Mobile Pay

0

1115 GHS

GH

GHS

BOSS Money Wallet

0

1115 GHS

GM

GMD

Bank Account

0

6697.18 GMD

GM

GMD

Credit Card

4.99

6697.18 GMD

GM

GMD

Debit Card

0

6697.18 GMD

GM

GMD

Mobile Pay

0

6697.18 GMD

GM

GMD

BOSS Money Wallet

0

6697.18 GMD

GN

GNF

Bank Account

0

851090.62 GNF

GN

GNF

Credit Card

4.99

851090.62 GNF

GN

GNF

Debit Card

0

851090.62 GNF

GN

GNF

Mobile Pay

0

851090.62 GNF

GN

GNF

BOSS Money Wallet

0

851090.62 GNF

GR

EUR

Credit Card

4.99

83.82 EUR

GR

EUR

Debit Card

0

83.82 EUR

GR

EUR

Mobile Pay

0

83.82 EUR

GR

EUR

Bank Account

0

83.82 EUR

GR

EUR

BOSS Money Wallet

0

83.82 EUR

GT

USD

Bank Account

0

100 USD

GT

USD

Credit Card

4.99

100 USD

GT

USD

Debit Card

0

100 USD

GT

USD

Mobile Pay

0

100 USD

GT

USD

BOSS Money Wallet

0

100 USD

GT

GTQ

Bank Account

0

754.45 GTQ

GT

GTQ

Credit Card

4.99

754.45 GTQ

GT

GTQ

Debit Card

0

754.45 GTQ

GT

GTQ

Mobile Pay

0

754.45 GTQ

GT

GTQ

BOSS Money Wallet

0

754.45 GTQ

HN

USD

Bank Account

0

100 USD

HN

USD

Credit Card

4.99

100 USD

HN

USD

Debit Card

0

100 USD

HN

USD

Mobile Pay

0

100 USD

HN

USD

BOSS Money Wallet

0

100 USD

HN

HNL

Bank Account

0

2659.65 HNL

HN

HNL

Credit Card

4.99

2659.65 HNL

HN

HNL

Debit Card

0

2659.65 HNL

HN

HNL

Mobile Pay

0

2659.65 HNL

HN

HNL

BOSS Money Wallet

0

2659.65 HNL

HT

USD

Bank Account

0

100 USD

HT

USD

Credit Card

4.99

100 USD

HT

USD

Debit Card

0

100 USD

HT

USD

Mobile Pay

0

100 USD

HT

USD

BOSS Money Wallet

0

100 USD

HT

HTG

Bank Account

0

13053.08 HTG

HT

HTG

Credit Card

9.99

13053.08 HTG

HT

HTG

Debit Card

0

13053.08 HTG

HT

HTG

Mobile Pay

0

13053.08 HTG

HT

HTG

BOSS Money Wallet

0

13053.08 HTG

IE

EUR

Bank Account

0

83.82 EUR

IE

EUR

Credit Card

4.99

83.82 EUR

IE

EUR

Debit Card

0

83.82 EUR

IE

EUR

Mobile Pay

0

83.82 EUR

IE

EUR

BOSS Money Wallet

0

83.82 EUR

IT

EUR

Bank Account

0

83.82 EUR

IT

EUR

Credit Card

4.99

83.82 EUR

IT

EUR

Debit Card

0

83.82 EUR

IT

EUR

Mobile Pay

0

83.82 EUR

IT

EUR

BOSS Money Wallet

0

83.82 EUR

JM

JMD

Bank Account

0

15386.98 JMD

JM

JMD

Credit Card

4.99

15386.98 JMD

JM

JMD

Debit Card

0

15386.98 JMD

JM

JMD

Mobile Pay

0

15386.98 JMD

JM

JMD

BOSS Money Wallet

0

15386.98 JMD

KE

KES

Bank Account

0

12696.23 KES

KE

KES

Credit Card

4.99

12696.23 KES

KE

KES

Debit Card

0

12696.23 KES

KE

KES

Mobile Pay

0

12696.23 KES

KE

KES

BOSS Money Wallet

0

12696.23 KES

LR

USD

Bank Account

0

100 USD

LR

USD

Credit Card

4.99

100 USD

LR

USD

Debit Card

0

100 USD

LR

USD

Mobile Pay

0

100 USD

LR

USD

BOSS Money Wallet

0

100 USD

MG

MGA

Bank Account

0

395374.72 MGA

MG

MGA

Credit Card

4.99

395374.72 MGA

MG

MGA

Debit Card

0

395374.72 MGA

MG

MGA

Mobile Pay

0

395374.72 MGA

MG

MGA

BOSS Money Wallet

0

395374.72 MGA

MW

MWK

Bank Account

0

197000 MWK

MW

MWK

Credit Card

4.99

197000 MWK

MW

MWK

Debit Card

0

197000 MWK

MW

MWK

Mobile Pay

0

197000 MWK

MW

MWK

BOSS Money Wallet

0

197000 MWK

MX

MXN

Bank Account

0

1728.94 MXN

MX

MXN

Bank Account

0

1728.94 MXN

MX

MXN

Credit Card

4.99

1728.94 MXN

MX

MXN

Debit Card

0

1728.94 MXN

MX

MXN

Mobile Pay

0

1728.94 MXN

MX

MXN

BOSS Money Wallet

0

1728.94 MXN

MX

MXN

Credit Card

4.99

1728.94 MXN

MX

MXN

Debit Card

0

1728.94 MXN

MX

MXN

Mobile Pay

0

1728.94 MXN

MX

MXN

BOSS Money Wallet

0

1728.94 MXN

MZ

MZN

Bank Account

0

6042.77 MZN

MZ

MZN

Credit Card

4.99

6042.77 MZN

MZ

MZN

Debit Card

0

6042.77 MZN

MZ

MZN

Mobile Pay

0

6042.77 MZN

MZ

MZN

BOSS Money Wallet

0

6042.77 MZN

NG

NGN

Bank Account

0

136457.69 NGN

NG

NGN

Credit Card

4.99

136457.69 NGN

NG

NGN

Debit Card

0

136457.69 NGN

NG

NGN

Mobile Pay

0

136457.69 NGN

NG

NGN

BOSS Money Wallet

0

136457.69 NGN

NI

USD

Bank Account

0

100 USD

NI

USD

Credit Card

4.99

100 USD

NI

USD

Debit Card

0

100 USD

NI

USD

Mobile Pay

0

100 USD

NI

USD

BOSS Money Wallet

0

100 USD

NL

EUR

Bank Account

0

83.82 EUR

NL

EUR

Credit Card

4.99

83.82 EUR

NL

EUR

Debit Card

0

83.82 EUR

NL

EUR

Mobile Pay

0

83.82 EUR

NL

EUR

BOSS Money Wallet

0

83.82 EUR

NP

NPR

Bank Account

0

14802 NPR

NP

NPR

Credit Card

4.99

14802 NPR

NP

NPR

Debit Card

0

14802 NPR

NP

NPR

Mobile Pay

0

14802 NPR

NP

NPR

BOSS Money Wallet

0

14802 NPR

PA

USD

Bank Account

0

100 USD

PA

USD

Credit Card

4.99

100 USD

PA

USD

Debit Card

0

100 USD

PA

USD

Mobile Pay

0

100 USD

PA

USD

BOSS Money Wallet

0

100 USD

PE

USD

Bank Account

0

100 USD

PE

USD

Credit Card

4.99

100 USD

PE

USD

Debit Card

0

100 USD

PE

USD

Mobile Pay

0

100 USD

PE

USD

BOSS Money Wallet

0

100 USD

PE

PEN

Bank Account

0

343.85 PEN

PE

PEN

Credit Card

4.99

343.85 PEN

PE

PEN

Debit Card

0

343.85 PEN

PE

PEN

Mobile Pay

0

343.85 PEN

PE

PEN

BOSS Money Wallet

0

343.85 PEN

PH

PHP

Bank Account

0

6026.58 PHP

PH

PHP

Credit Card

4.99

6026.58 PHP

PH

PHP

Debit Card

0

6026.58 PHP

PH

PHP

Mobile Pay

0

6026.58 PHP

PH

PHP

BOSS Money Wallet

0

6026.58 PHP

PK

PKR

Bank Account

0

27745.78 PKR

PK

PKR

Credit Card

4.99

27745.78 PKR

PK

PKR

Debit Card

0

27745.78 PKR

PK

PKR

Mobile Pay

0

27745.78 PKR

PK

PKR

BOSS Money Wallet

0

27745.78 PKR

PT

EUR

Bank Account

0

83.82 EUR

PT

EUR

Credit Card

4.99

83.82 EUR

PT

EUR

Debit Card

0

83.82 EUR

PT

EUR

Mobile Pay

0

83.82 EUR

PT

EUR

BOSS Money Wallet

0

83.82 EUR

RW

RWF

Bank Account

0

142131.6 RWF

RW

RWF

Credit Card

4.99

142131.6 RWF

RW

RWF

Debit Card

0

142131.6 RWF

RW

RWF

Mobile Pay

0

142131.6 RWF

RW

RWF

BOSS Money Wallet

0

142131.6 RWF

SL

SLE

Bank Account

0

2276 SLE

SL

SLE

Credit Card

4.99

2276 SLE

SL

SLE

Debit Card

0

2276 SLE

SL

SLE

Mobile Pay

0

2276 SLE

SL

SLE

BOSS Money Wallet

0

2276 SLE

SN

XOF

Bank Account

0

54307.88 XOF

SN

XOF

Credit Card

4.99

54307.88 XOF

SN

XOF

Debit Card

0

54307.88 XOF

SN

XOF

Mobile Pay

0

54307.88 XOF

SN

XOF

BOSS Money Wallet

0

54307.88 XOF

SV

USD

Bank Account

0

100 USD

SV

USD

Credit Card

4.99

100 USD

SV

USD

Debit Card

0

100 USD

SV

USD

Mobile Pay

0

100 USD

SV

USD

BOSS Money Wallet

0

100 USD

TG

XOF

Bank Account

0

54740.33 XOF

TG

XOF

Credit Card

4.99

54740.33 XOF

TG

XOF

Debit Card

0

54740.33 XOF

TG

XOF

Mobile Pay

0

54740.33 XOF

TG

XOF

BOSS Money Wallet

0

54740.33 XOF

UG

UGX

Bank Account

0

362350.91 UGX

UG

UGX

Credit Card

4.99

362350.91 UGX

UG

UGX

Debit Card

0

362350.91 UGX

UG

UGX

Mobile Pay

0

362350.91 UGX

UG

UGX

BOSS Money Wallet

0

362350.91 UGX

VE

VES

Bank Account

0.99

57887.46 VES

VE

VES

Credit Card

4.99

57887.46 VES

VE

VES

Debit Card

0

57887.46 VES

VE

VES

Mobile Pay

1.49

57887.46 VES

VE

VES

BOSS Money Wallet

0

57887.46 VES

ZW

USD

Bank Account

0

100 USD

ZW

USD

Credit Card

4.99

100 USD

ZW

USD

Debit Card

0

100 USD

ZW

USD

Mobile Pay

0

100 USD

ZW

USD

BOSS Money Wallet

0

100 USD

Payment methods

With BOSS Money, fees heavily depend on the country, the payment method and the delivery method, but this is the case with all top money transfer companies.

Here are the ranges of fees you can expect to see:

Payment Method

Lowest Fee - Highest Fee

ACH (bank transfer)

$0.00 - $0.99 (where available)

BOSS Money wallet

$0.00 (where available)

Mobile Pay

$0.00 - $1.49

Apple Pay & Google Pay

$0.00

Debit card

$0.00

Credit card

$0.00 - $60.00

*Fees taken from the live BOSS Money website in April 2026.

If you’re depositing using a credit card, you might face additional cash advance fees on top of the fees charged by BOSS Money.

We suggest avoiding credit card transfers and instead using ACH or debit cards.

Now, let’s put these numbers into perspective. This is how much you would get with BOSS Money compared to Wise and a bank.

Let’s assume you’re sending $500 from the US via debit card to a bank account in the following countries:

Country

BOSS Money

Wise

TD Bank

Ghana (GHS)

5575 GHS

5,471.23 GHS

Less than 4878.06 GHS

Nigeria (NGN)

682288.45 NGN

680,494.63 NGN

Less than 658,651.95 NGN

Mexico (MXN)

8644.7 MXN

8,612.90 MXN

Less than 8,197.61 MXN

France (EUR)

419.10 EUR

424.12 EUR

Less than 377.54 EUR

The UK (GBP)

362.35 GBP

367.40 GBP

Less than 325.28 GBP

As you can see, BOSS Money is very competitive when it comes to sending money abroad, but the table above clearly shows the importance of comparing your options.

SPEED

Transfer speed

The exact transfer speed depends on the currencies, payment method, and delivery method.

Most transfers with BOSS Money will take around a few minutes, although this depends on the payment method you use, local bank holidays, and pickup location operating hours.

If you need money urgently, sending money to card or a wallet is almost instant with BOSS Money.

Bank transfers (ACH) can be delayed up to 3 business days, depending on when you made the transfer and any intermediaries involved, but this is due to how banks operate, not BOSS Money.

LIMITS

Transfer limits

BOSS Money has a minimum transfer limit of $10.00 and a maximum limit of USD 5,000 per transfer.

Limits may vary depending on the destination country, pickup location, local regulations, and limits imposed by your bank.

It might seem low, but it's actually not. Their product is aimed at every-day transfers and fits their use case perfectly.

If you need to make a large transfer abroad, we suggest using a currency broker and checking out our guide to sending large amounts abroad.

PRODUCT

Product offering

Supported currencies & destinations

BOSS Money supports international money transfers from the US to 50 countries.

You can make a transfer to the following countries and currencies:

Transfer types

Bank transfers

Bank transfers

With this option, you can use your bank account to make a transfer online. This option includes funding your transfer with an ACH, debit card, credit card, mobile pay, boss wallet, Apple Pay, and Google Pay.

Cash transfers

Cash transfers

You can send cash in person at BOSS Money retailer shops across the US, or initiate a digital transfer and have funds delivered to a cash pickup location in the destination country.

These are two separate options, retailer shops are for sending, while cash pickup locations are for receiving.

Mobile wallet transfers

Mobile wallet transfers

This includes sending money to supported mobile money accounts. These wallets will depend on the country, but a few examples include M-PAiSA and GCash.

Mobile top-ups

Mobile top-ups

This is not a money transfer option, however, I think it's worth mentioning here.

You can send mobile top-ups to a prepaid phone directly from the BOSS Money app.

This is fairly uncommon and nice to see more companies offering it, along with Remitly and WorldRemit.

Deposit methods

BOSS Money has 4 deposit options, including:

ACH

You can use ACH to fund your transfer. Where ACH is available, it is free to use, and you only pay the markup (beyond the promotional rates).

Debit card
Credit card
Apple Pay & Google Pay

Receiving methods

BOSS Money offers four delivery methods:

Cash pickup

With multiple agents & partner locations across the world, you can send your money to be picked up as cash. This type of transfer is almost instant and ideal if you need to send money urgently or to someone without access to a bank account.

Cash pickup is available in:

  • Bolivia

  • Burkina Faso

  • Cameroon

  • Colombia

  • Costa Rica

  • Dominican Republic

  • Ecuador

  • El-Salvador

  • Eritrea

  • Ethiopia

  • Gambia

  • Guatemala

  • Haiti

  • Honduras

  • Jamaica

  • Liberia

  • Mexico

  • Nicaragua

  • Pakistan

  • Panama

  • Peru

  • Sierra Leone

  • Togo

Bank deposit
Direct to debit
Home delivery
Mobile wallet deposit
Pix
UPI

Mobile app

BOSS Money has an app called BOSS Money Transfer. Send Fast.

The app is available on Android and iOS, with great feedback on both stores.

It is rated 4.9/5 on iOS with over 75,000 reviews and 4.8/5 on Google Play with over 55,000 reviews.

This is really good and in line with many other money transfer apps.

Using the app, you can:

  • Send an international money transfer

  • Track money transfers in real time

  • Receive transfer notifications (via SMS, email, and push)

  • Check rates and fees

  • And more!

If you are based in the US, you can download the BOSS Money Money Transfer app for free from the App Store or Google Play Store.

USABILITY

Ease of use

Overall, the website and the app are easy to use, with information clearly displayed across all functions.

What I really like about it is that you can clearly see all the fees before downloading the app or signing up through the site.

That’s useful for me because I (and you) want to know what you are getting after the promo expires.

You would probably expect this from every money transfer provider, but you would be surprised. For example, OrbitRemit hides this information unless you sign up.

The app consistently gets new updates, features, and performance improvements. So far, the app has been getting 2-4 updates per month since launching in 2024.

Customer service

If you have questions about the service or your transfer, you can contact BOSS Money via:

Contact option

Details

Email

moneyapp@idt.net

Call

+1(716)281-2677

Resources & FAQs

Loads of helpful guides and resources on the website, here and here.

Live chat bot

Available 24/7

These options are fairly limited compared to similar services like Wise or Xe, but still better than many others.

SAFETY

Safety and trust

BOSS Money is fully legit and safe to use.

BOSS Money is operated by IDT Payment Services, Inc. and IDT Payment Services of New York LLC, both licensed U.S. money transfer companies regulated by state financial authorities.

IDT Payment Services of New York LLC is specifically licensed by the New York State Department of Financial Services.

REVIEWS

Customer feedback

BOSS Money receives an ‘Excellent’ rating of 4.7 out of 5* on Trustpilot, with over 6,000 reviews regarding their money transfer services.

Most reviews (85%+) have rated it 5/5* and only a few (8%) have given it 3 stars or less.

ANALYSIS OF USER REVIEWS

Overall, reviews for BOSS Money are very positive.

Most users find it fast, reliable, and easy to use, with transfers often arriving within minutes.

Most positives are around the convenience of sending money from home or through the mobile app, the clear status updates and receipts, and the ability to get quick refunds or cancellations when needed.

Many also highlight competitive exchange rates and low fees, often cheaper than other services, as well as helpful and friendly customer support.

This is very much in line with what we have said here, BOSS Money is very competitive compared to other money transfer companies.

As for complaints, it’s mostly related to the delays and service consistency.

Some mention transfers being stuck in “pending” status for hours or even days, with funds occasionally held or not delivered.

Others report slow confirmation codes, trouble reaching a live agent, or delays in getting callbacks.

In addition to this, you can find more BOSS Money reviews at the bottom of the page, these are from our users.

SIGN UP

Opening an account with BOSS Money

To open an account with BOSS Money, you will need the following:

  • A phone to download their app

  • An email

  • A phone number

Once you have these details, follow the steps below to open an account:

Download the app
Sign up
Verify the account
SEND MONEY ABROAD

Making international transfers

To send money with BOSS Money, you will need to know the following:

  • Recipient details

  • Transfer amount and currency

  • Deposit method to fund the transfer

  • Delivery method (how the recipient will receive the money)

Sending money abroad via the BOSS Money app

Once you have all the details ready, you can send money with BOSS Money by following the steps below.

Choose the destination
Enter the recipient's details
Confirm your transfer
RECEIVING MONEY

Receive international transfers

In most cases, money will land directly in the receiver's bank account or wallet.

If they want to collect the cash, follow these steps:

Receiving in-store

Receiving in-store

Once the transfer has been made, give the transaction ID to the receiver. They will need it to collect the funds.

Once they are at the store, they’ll need to show the transaction ID and a government ID to verify their identity.

Receiving home delivery

Receiving home delivery

For home deliveries, the process is the same. Once the courier arrives, the receiver will need to provide the same information as in-store.

ALTERNATIVES

How BOSS Money compares to other transfer services

Here's how BOSS Money compares to similar companies:

BOSS Money
Fees & Rates
9.0
Transfer Speed
9.5
Safety & Trust
9.0
Product Offering
8.5
Transfer Limits
7.0
Ease of Use
8.5
Customer Feedback
9.5
8.7
Overall
Aspora
Fees & Rates
9.0
Transfer Speed
8.9
Safety & Trust
8.7
Product Offering
7.9
Transfer Limits
8.9
Ease of Use
8.8
Customer Feedback
7.8
8.6
Overall
TransferGo
Fees & Rates
8.9
Transfer Speed
9.0
Safety & Trust
8.8
Product Offering
8.5
Transfer Limits
6.5
Ease of Use
8.0
Customer Feedback
8.8
8.4
Overall
Ria Money Transfer
Fees & Rates
6.0
Transfer Speed
7.8
Safety & Trust
9.0
Product Offering
6.8
Transfer Limits
7.4
Ease of Use
7.8
Customer Feedback
7.2
7.4
Overall

Other Alternatives

Alternatively, consider using one of these neobanks for international transfers.

SUMMARY

BOSS Money: Is it good for transfers abroad?

Overall, BOSS Money is a great service that covers multiple transfer options at a relatively cheap price.

They charge a fee and add a markup for most transfers, but new users do get special rates and a couple of free transfers.

I personally think it’s a great service to try, especially if you’re sending around $500 - $1,000 to Ghana, Bolivia, Malawi, or Peru, because the exchange rates are actually better than the ones you see on our live rates page.

However, due to the nature of money transfer fees and constant exchange rate fluctuations, I strongly recommend .

Chances are, BOSS Money will be there at the top, but there might be cases where another provider is cheaper.

FAQS

A bit more about BOSS Money

Are BOSS Money exchange rates guaranteed?
Is BOSS Money and BOSS Revolution the same thing?

Help & FAQ

Get answers to the most common questions asked when sending money abroad. Covers costs, fees and the best way to compare.

FAQs

More Money Transfer Services

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Aspora Review
Aspora is the uprising company for money transfers to India, with no exchange rate markup and extremely low fees.
A Place In The Sun Currency
The key areas of our A Place In The Sun Currency review are focused on the fees & exchange rates, transfer limits & speed, product offering, ease of use, safety, and customer feedback.
WorldRemit
WorldRemit doesn't put a list of all their fees online, so you’ll have to input the details of your transfer to find out how much you’ll need to pay in fees. However, once you do, you’ll be shown what rate you get and what transfer fee you’ll pay depending on the destination, currency and payment method.

BOSS Money user feedback

Would you recommend BOSS Money?
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Contributors

Artiom Pucinskij
With 6+ years of hands-on experience in international money transfer services, Artiom has tested and analyzed dozens of companies, services, and apps firsthand. From sending money between the UK, EU, US, JP, and ID, to helping friends and family transfer large amounts abroad, he combines deep personal experience with industry insight. He has worked on content and product at MoneyTransfers.com since 2019, with a focus on FX rates, transfer apps & companies, and comparison tools. His work has been featured in Forbes, Yahoo Finance, Decrypt, PoundSterling, and more.
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