The Best Apps for Sending Money Internationally in 2026

Sending money across borders in 2026 is easier than it used to be, but choosing the right app still matters. Fees, exchange rates, speed, country coverage, and reliability all affect how much money actually reaches the recipient.

With dozens of international money transfer apps available today, this guide focuses on platforms that:

• Operate in multiple countries,
• Are widely trusted
• Are commonly used for personal and business transfers.

Below are some of the best apps for sending money internationally in 2026,  and what to consider before choosing one.

‍What to Look for in an International Money Transfer App

Before choosing any international money transfer app, consider the following:

• Country coverage: Can you send from your country and deliver to where your recipient lives?
• Fees: Some apps charge transfer fees, while others hide costs in exchange rate markups.
• Exchange rates: Mid-market rates are usually the most cost-effective.
• Speed: Transfers can be instant, same-day, or take several business days.
• Ease of use: Simple onboarding and clear interfaces matter, especially for frequent transfers.
• Security & regulation: Always use platforms licensed in the regions they operate.

What apps should I use to send money internationally in 2026?

1. Wise

Best for transparent fees and exchange rates

Wise operates in over 70 countries and uses the real mid-market exchange rate. Fees are shown upfront, making it a popular option for freelancers, remote workers, and frequent international senders.

Pros

• Transparent pricing
• Mid-market exchange rates
• Multi-currency account option

Cons

• Not always the fastest for all corridors

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2. PayPal

Best for global reach and online payments

PayPal is available in over 200 countries and is widely accepted for online transactions. However, international transfers often come with higher fees and exchange rate markups.

Pros

• Extremely wide country coverage
• Easy integration with online platforms

Cons

• Higher fees
• Less competitive exchange rates

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3. Western Union

Best for cash pickup and global presence

Western Union operates in over 200 countries and territories and is especially useful where recipients need cash pickups.

Pros

• Extensive global network
• Cash pickup option

Cons

• High fees
• Exchange rates may be marked up

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4. MoneyGram

MoneyGram is one of the best alternative for cash-based transfers

MoneyGram offers both digital transfers and cash pickup options, with strong global coverage.

Pros

• Broad international reach
• Multiple delivery options

Cons

• Fees vary significantly by corridor

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5. Remitly

Remitly is a good option for fast personal remittances

Remitly focuses on personal international transfers, particularly to emerging markets.

Pros

• Fast delivery options
• Competitive rates for select corridors

Cons

• Limited business features
• Fees depend on delivery speed

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6. WorldRemit

WorldRemit supports bank transfers, mobile money, and cash pickups across Africa, Asia, and Latin America.

Pros

• Mobile money support
• Strong presence in developing markets

Cons

• Not available everywhere
• Variable fees

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7. Revolut

Revolut combines banking features with international transfers, making it useful for users who hold multiple currencies.

Pros

• Multi-currency wallets
• Competitive exchange rates

Cons

• Some features require paid plans
• Limited country availability

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8. Skrill

Skrill is commonly used for online payments and international transfers, especially in Europe and parts of Africa.

Pros

• Global availability
• Wallet-based transfers

Cons

• Fees can add up
• Less intuitive for new users

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9. Payoneer

Payoneer is widely used by freelancers and businesses receiving international payments from global clients and marketplaces.

Pros

• Strong business features
• Multi-currency receiving accounts

Cons

• Not ideal for personal transfers
• Withdrawal fees apply

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10. Pesa

Pesa is the best app for multi-currency users sending money across Africa and internationally.

Pesa is available in 40+ countries and is built for people who live, work, or do business across borders. It offers multi-currency wallets, zero transfer fees, and fast transfers processed within minutes, making it ideal for frequent international transactions.

Users can hold, send, and receive multiple currencies from one platform without worrying about hidden charges or slow processing times.

Pros

• Available in 40+ countries
• Multi-currency wallet support
• Zero transfer fees
• Fast transfers (within minutes)
• Simple, mobile-first experience

Cons

• Still expanding to more regions

So, which platforms should you use?

There’s no single best international money transfer app for everyone. The right choice depends on:

• Where you are sending money from
• Where it’s going to, and
• How often do you send money?

If transparency matters most, Wise is a strong option. For maximum global reach, PayPal or Western Union may work better. And if you’re a multi-currency user sending money across Africa and internationally, Pesa is built specifically for that reality.

In conclusion

In 2026, sending money internationally shouldn’t be complicated or expensive, and that’s why you should always choose Pesa.

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