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Alternatives to Cash App for International Money Transfers

Cash App is a simple and straightforward peer-to-peer (P2P) payments platform with an estimated 70 million users to date.

Alternatives are needed because Cash App does not support international money transfers.

Author

Keith Hodges

2 minutes

September 18th, 2024

Why trust us

Disclosure

Opting for money transfer apps

As far as mobile services go, Cash App is widely considered to be a safe and reliable P2P app, but does not support international payments.

Users of the app will need to use a money transfer app instead.

Cash App against the alternatives

Firstly, apps from money transfer companies are like Cash App, but actually offer international transfers.

They're also more cost effective than banks and other app alternatives like PayPal.

Here's how they stack up:

Method	Detail	Mid-Market Rate	Exchange Rate ($1 = €XX)	Fees	Received amount
Money transfer company	A company online, or through an account manager, offering competitive rates on international transfers.	0.9302	0.9378	$6.42	€931.73 ✅
Bank account	Every day banks, like Chase, offer weaker exchange rates and slower transfers.	0.9302	0.9058	$5.00	€900.80 ❌
PayPal	Apps like PayPal generally offer the worst exchange rates and add a fee percentage on top.	0.9302	0.8996	$4.99 + 4.5%	€858.64 ❌
Cash App	Cash App does not offer international money transfers.	Not possible	Not possible	Not possible	€0.00 ❌

What can Cash App be used for?

While Cash App can not be used internationally, it does have uses for domestic and P2P transfers.

Cash App is primarily used to send and receive money: users search for contacts by entering their recipient’s name, phone number, or $Cashtag username. Payment requests are also submitted this way, with both parties notified once payment is made.

The key features of Cash App include:

Send and receive money domestically, quickly and conveniently
Receive a free Cash App debit card
Open a free Cash App account separate from your bank account

The alternatives in detail

If you plan to use Cash App to make an international transfer outside the UK or US, we recommend using a money transfer company. All of them offer fast, affordable, and secure alternatives.

Zing

Zing is a new app in the money transfer space and is a product associated with HSBC Bank.

As an alternative to Cash App, it is perfect for UK users.

Whilst being a money transfer app, you also get a multi-currency card (virtual and physical) and can hold over 20 different currencies and send over 200. Like Cash App, Zing also has a P2P offering as well.

Exchange rate	0.2%
Fees	No fees
Virtual cards	Yes
Supports P2P	Yes
Open banking and syncing	Yes

Pros

Good alternative for UK users looking for additional card support
The cheapest international transfer app by average cost from the UK, at around 0.2% of the overall transfer
No additional fees added, or receiving fees, like you would also get using alternatives like PayPal

Cons

At the moment, only UK users can sign up

Read review

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Please share your experience with Wise

Would you recommend Wise?

Comments

Tristan

Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business
I am sharing my experience with Wise to warn fellow business owners about the serious risks and unacceptable practices you may encounter if you choose to use their services.
My business, is a legally registered travel agency in the UK, and I relied on Wise to manage payments for my photography and cultural tours, primarily in South America. Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my once-a-year humanitarian trip to Cuba.
Despite explaining multiple times that:
No Cuba-related transactions were ever processed through Wise (I use a separate European bank for this purpose),
My tours comply with the “Support for Cuban People” category authorized by OFAC, designed to help Cuban citizens outside state control,
Wise completely ignored the facts. Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming they didn't monitor my emails—despite clear evidence to the contrary. After days of chasing them and providing thorough documentation, they chose to close my account without justification.

The Consequences:
Wise left my business in chaos, disrupting essential transactions and client arrangements.
Their rigid policies align with sanctions widely condemned by the global community, and in doing so, they indirectly support humanitarian suffering.
The Bottom Line:
Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you down without notice or explanation, and customer support will abandon you. Their actions have serious real-world consequences.

Avoid Wise if you value your business stability or require ethical and accountable financial services. There are far better alternatives out there that won’t put your livelihood at risk Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business

No, I don't recommend

14th November 2024

Anonymous

I have been a customer for a few years. Yes I love the instant deposits as I make around $1K. However as many non US entities Wise uses a bank out of New York. Therefore the TRANSFER and DEPOSIT from an account transfer can take 4 to 6 days. What this means is that you will not able to make another ACH transfer during this time. This is frustrating if you have to make a follow up transfer in a few days. All in all don't plan to make more than 4 transfer in a month because it may not fo through, Not sure if other transfer companies operate the same way but I am about to find out as I will try Revolute. Bottom linw will require you to use ANOTHER payment method like credit card or some other method. Understand this: YOU MAY HAVE THE MONEY IN YOUR ACCOUNT but they WILL NOT TRY TO VERIFY IT WITHIN THE THE PERIOD IT WILL TAKE THEM TO DEPOSIT IT IN YOUR ACCOUNT. To add insult to injury I called in and the agent siad that they can see that they got paid but the computer takes time to update/reconcille I guess! It is a slow system!

I'm not sure

7th November 2024

Anonymous

The service is decent, nothing more. I have had security issues that are not quickly resolved. Call center personnel are average. The app is not, in general, user friendly. You should definitely do research on a variety of service providers before making a choice. Do not take the reviews at face value. I chose Wise based on positive reviews but now regret not doing more research on other companies.

I'm not sure

20th October 2024

Anonymous

So far so good

I'm not sure

14th October 2024

Daniel

I checked to see if Wise even sends money to Colombia. Colombia is not even in their list of countries. Why is it even advertising for Colombia?

I'm not sure

10th October 2024

Bill Sanders

I have used Wise for several years. They once rejected a large transfer because it was to a coal company. Apparently, they are a woke company! But they refused to tell me why. More recently, they required verification of my identity using a smart phone. I am 69 and never owned a cell phone because I don't need one. But they forced me to buy one, which I did last week. Getting the phone updates ate up all my data, so i got 1 GB more. I took 12 different pics of my passport and another 12 of my face for them. They rejected them - and are holding up my transfer. Now my phone ate up that gig of data and I must buy another gig (thru Tracfone) just to use the phone. What a hassle. This is not a photo studio! They know who i am already.

Note: This comment has been edited by the MoneyTransfers.com team to align with our content guidelines.

No, I don't recommend

3rd October 2024

Ziggy Meilus

It used to be always instant, now it may come right away or it can take 5 even 7 days to get the money.

I'm not sure

30th August 2024

Anonymous

i've heard of people having issues with accounts being locked/restricted, but i think that was mostly for business accounts, maybe they were locked for good reason. for me, i've had no issue with my account though i've only used it for small transfers and not very often, over the past 5+ years

Yes, I recommend

26th July 2024

Benji

i like having the real exchange rate with clear fees. sometimes the fees are a bit high, but usually still cheapest compared to revolut or others. very helpful as i was travelling around southeast asia

Yes, I recommend

10th June 2024

Showing 9 out of 9 reviews

Wise

Wise is one of the most well known and popular money transfer options. The company is similar in price to Zing's 0.2%, with prices starting around 0.35%. Again, you'll pay around 4-5% with PayPal.

Like Zing, Wise offers a number of other features as well, including local currency accounts. Again, the app is quick and easy, can sync to bank accounts to make payments easier and has a P2P option within it.

Overall, it's a great alternative to Cash App for for international transfers. It's also a good choice for small, regular transfers and for travel money when travelling as well.

Exchange rate	0% (mid-market rate)
Fees	from 0.35%
Virtual cards	Yes
Supports P2P	Yes
Open banking and syncing	Yes

Pros

Fees for Wise are 0.35%, but you pay the mid-market rate on transfers
The app is one of the cleanest to use, and syncs nicely with desktop use should you need it
Instant transfers to other Wise users through the P2P offering, with 96% of transfers (based on Wise data) arriving the same day

Cons

Wise has taken a bit of slack for its customer service levels when needed. The account is mainly online, so speaking to someone at Wise can be difficult

Read review

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Revolut

Revolut is a neobank that offers the widest coverage for P2P transfers within its app, making it a solid Cash App alternative.

Revolut is very much app first, and the P2P payment option, which is international, can make it an effective replace to Cash App for most users.

Transfers through the P2P option are immediate and exchange rates are competitive at around 0.4%, although you pay an additional 1% at weekends.

For regular transfers between countries, or sending money home, Revolut is a great option.

Exchange rate	from 0.4%
Fees	Based on the transfer, from around 0.5%
Virtual cards	Yes
Supports P2P	Yes
Open banking and syncing	Yes

Pros

Whilst offering an alternative to Cash App, you also get interest on USD, GBP and EUR balanaces
Recently launched RevPoints, that can be turned into air miles or hotel stays
Users can send to a wide range of countries (160) and over 70 currencies

Cons

Limits on transfers are low ($1,000) before you need to pay monthly, but it is the perfect option for transfers between friends and family

Read review

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WorldRemit

WorldRemit is an alternative to Cash App that offers a few different pickup methods for the funds. This includes airtime and mobile money transfers.

There is no P2P payment option with WorldRemit in the same way as the Zing, Wise or Revolut and rates and fees combined make them a little higher in cost than the others on the list.

This being said, for access to African markets in particular, as well as the alternative withdrawals methods, they are a great option.

Exchange rate	0.5% - 1.25%
Fees	from $1.99
Virtual cards	No
Supports P2P	No
Open banking and syncing	Yes

Pros

Customers can access airtime and mobile money transfers into Africa in which most other apps do not
Supports open banking and syncing to the accounts for faster transfers

Cons

Access is limited in European markets

Read review

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Payoneer

Payoneer is a money transfer provider aimed at businesses and freelancers, with a P2P platform within it.

For those working on the move, it is the best alternative to Cash App.

It is slightly more expense based on the exchange rate, which is at around 2%, but does also sync with marketplaces for selling or offering services.

Overall, it's a specific alternative for freelancers who may want to send and receive international business payments more effectively than you can through Cash App.

Exchange rate	2%
Fees	Up to 3%
Virtual cards	Yes
Supports P2P	Yes
Open banking and syncing	Yes

Pros

Access to a professional P2P network for international business payments
Offers access to 9 local currency accounts with cards for spending through the app
Comes with account management and support that you wouldn't get with Revolut, Wise or Zing

Cons

This is a business app only, so would not be suitable for personal use

Read review

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Where is PayPal?

PayPal is maybe the app that comes to mind when considering alternatives to Cash App for international transfers. But you should avoid it.

International transfers with PayPal come with high fees and bad exchange rates. As outlined above it is even more expensive than transferring with a bank.

PayPal is not good value for money on international money transfers.

We will only ever recommend sending money with an app we think offers a great service, and good value for money.

Finding the right provider

Exchange rates

The exchange rate have the biggest impact on the cost of a transfer.

Different alternatives will offer different rates and this will be shown as a percentage.

The lower the percentage, the cheaper the alternative will be.

Fees

Fees sometimes added to the cost of a transfer.

This may be as a percentage of the amount sent, or could be a set fee.

No fees does not necessarily mean cheaper alternatives when paired with the exchange rate.

Speed

P2P transfers are often instant, but not all money transfer companies offer these.

To get the fastest Cash App alternative, it is best to search for live rates.

Certain companies will offer faster transfers.

Coverage

If you are looking for an alternative for ongoing use, consider the coverage.

Apps like Wise or Zing will give global coverage and local accounts.

Money transfer companies will offer more than just international transfers.

Compare for your transfer

Cash App efficiently serves its US and UK-based customers, but is not fit for international money transfers.

We strive to provide the most useful and up-to-date information about money transfers in a bid to help customers save money when sending money across borders.