Sending and receiving money from abroad no longer means slow processes, high costs, or loads of paperwork. These days, having an app on your phone is enough to handle it quickly and securely.

But not all options are created equal—some may include hidden fees that impact your wallet. That’s why we’ve compiled 7 reliable tools tailored to your needs.

Best International Transfer Apps 2025: Fast, Secure, and No Hidden Fees

Top 7 Best Apps for International Transfers Without Hidden Fees

Sending money to foreign bank accounts has become a necessity for both individuals and businesses. As a result, there are now countless international transfer apps available.

However, we’ve narrowed it down to 7 options known for being fast, secure, and transparent:

1. DolarApp

We start with DolarApp, a fintech that simplifies access to and use of digital dollars. It’s the best app for sending money abroad if you live in Latin America.

Benefits:

• Offers a digital account in U.S. dollars with U.S. banking details—just like a local resident.

• Lets you send money in digital dollars (USDc) to a U.S. account, converting to USD upon arrival.

• Also works as an app for receiving international transfers—USD amounts are instantly converted to USDc.

• You can link a local bank account to switch between currencies—convert your digital dollars to pesos and vice versa.

• Provides a competitive exchange rate for currency conversion.

• Comes with a Mastercard (virtual and physical) for global use.

• No hidden fees. Sending or receiving money from the U.S. has a fixed $3 USD fee per transaction.

• Available for users in Mexico, Argentina, Colombia, and Brazil.

Supports USDc, EURc, ARS, MXN, COP, and BRL. In Brazil, transfers run via the PIX system, but the primary currency is USDc.

2. Wise

Wise is another top app for international transfers, built specifically for managing digital money.

With their app you can:

• Send money to over 20 countries in various currencies.

• Receive international transfers straight to a local account.

• See the final amount, fee, and estimated delivery time upfront.

• Send in your local currency while the recipient gets it in theirs.

• Access the Wise card.

Note: The Wise card isn’t available in every country, including Mexico. You may want to compare Wise and DolarApp before choosing.

3. PayPal

We couldn’t leave out one of the pioneers in global digital wallets. PayPal is a trusted app for receiving international money and making fast, secure online payments.

Highlights:

• Instantly send money to anyone with a PayPal account, regardless of their location.

• Receive overseas payments directly and reliably.

• Accepts credit and debit cards for international transfers.

• Easily request payments or charge for products and services.

• Offers buyer protection for online purchases.

However, receiving money can involve high and sometimes confusing fees.

4. Global66

Founded in Chile, this fintech has a strong presence in Latin America, making it easy to send money to many countries.

With Global66 you can:

• Make international transfers in just a few steps with quick delivery times.

• Use their app to send money to over 70 countries.

• Hold balances in up to 8 different currencies.

• Transfer instantly between Global66 users.

• Convert currencies using the market’s mid-rate.

Transparency and competitive pricing are two of Global66’s strongest advantages.

5. Payoneer

Payoneer is a 20-year-old company recognized in over 190 countries.

From their app, you can:

• Send money directly to bank accounts for a 3% fee.

• Receive international payments as if you had local accounts in USD, EUR, GBP, and more.

• Transfer to other Payoneer users for a 1% fee (minimum $4 USD).

• Operate in over 70 currencies.

• Request a prepaid card (virtual or physical) to spend online or at physical locations worldwide.

Perfect for freelancers, businesses, and online marketplaces.

6. Skrill

If you want to manage multiple currencies and make secure online payments, Skrill is also a great option. A versatile wallet for sending, receiving, and managing money.

Here’s what to expect:

• Send money to bank accounts, emails, or phone numbers in over 40 currencies.

• Receive payments from abroad.

• Buy and sell over 30 cryptocurrencies.

• Currency conversion includes a surcharge of up to 4.99% over the official exchange rate.

• Fees are up to 1%, depending on the method (card, cash, or transfer).

If you’re looking for a transparent app for sending money abroad, Skrill is a solid choice.

7. Western Union

We finish with Western Union, the oldest company on this list, with over 170 years in the financial sector. It operates in over 200 countries and has successfully adapted to the digital era.

Benefits:

• You can choose to make bank transfers or choose other shipping options, such as card or cash.

• Track transfers in real-time.

• See the applied exchange rate before confirming your transaction.

• Send money even to rural areas thanks to its vast network of agents.

• Choose how the recipient receives the money—bank deposit or cash pickup at thousands of locations.

While Western Union charges for transfers to the U.S., the amounts vary. They offer a fee calculator so you’re never caught off guard.

How to Choose the Right International Transfer App

With so many options available, making the right choice can be tricky. Still, there are key factors you shouldn’t overlook when picking the best app to send money abroad:

• User-friendly interface: If you're not tech-savvy, look for a simple, intuitive app.

• Trust and protection: Make sure the platform is regulated and secure, with data protection and two-step verification to prevent fraud.

• Competitive exchange rates: Many apps profit by adjusting the rate. The best ones use the mid-market rate so you don't lose value.

• Upfront costs: A good app clearly tells you what you’ll pay and what the recipient will get before proceeding.

• Transfer speed: Check if it offers instant transfers or if it takes a few days depending on the destination.

• Currency and country coverage: Choose an app that works with the currencies and countries you use most often.

The best app for sending money abroad is the one that brings all these elements together. It gives you the control and peace of mind you need to move your money confidently.