For immigrants in the UK, sending money back home to support loved ones remains a top priority.

However, there are so many transfer services available in the market that advertise faster, cheaper and more convenient ways to send money abroad.

Depending on your specific needs, finding the right option for you shouldn’t be an issue.

This post will outline the top 7 international money transfer apps along with their features so you can make an informed decision before choosing a provider. 

Send money across borders!

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Ohentpay

Enjoy transfers to over 190 countries across 40+ currency pairs on this platform. You don’t need to open another bank account to move money across borders.

Simply top up with a transfer or your debit card and send money home. It has the best rates for international money transfers, currency exchanges and transactions.

So every transaction will always benefit you the sender since you’re sending more for less. 

The fees are also flat across transactions so you don’t have to worry about hidden charges.

Payments are instant across Ohentpay regardless of where you’re sending from.  We recommend this app if you need to send money to Europe, Africa or Asia.

Ohentpay also provides business accounts for business owners to make swift and instant transactions.

So if you need to pay your partners, clients, and suppliers across any of the supported countries, you can keep track of it all in one place.

Wise (Formerly TransferWise)

Wise is a popular service, especially for remote workers across the world. They offer very transparent fees, competitive exchange rates and a user-friendly app.

This service uses mid-market rates and an upfront fee so the costs are fairly predictable. 

However, this can also mean they aren’t exactly the cheapest option available. Wise offers multi-currency accounts that allow you to hold and manage different currencies in one place.

PS: since they are known for closing accounts in certain countries, ensure your recipient isn’t using a Wise account so your payments don’t get stuck. 

Transfer Go

Need to send money to specific countries in the Middle East? This app serves as a payment gateway that links your bank account or card and sends money from it.

Available in over 50 countries, the app boasts of speedy transfers across the world. The fees are also cheap, and very easy to use. 

One major perk of this platform is that it offers accessibility across its website and app.

So you can view offerings in several languages making it truly inclusive for immigrants. They also offer business accounts where you can send payment links.

LemFi

While fairly new, LemFi is a popular option for immigrants who want to open several multi-currency accounts and send money home.

It’s available in the UK, US and Canada and you can send money to about 20 countries across the world. A cute feature they have is that you can request money too. 

So if your recipients have a LemFi account, they can make money requests. In addition to multiple accounts, you can exchange currencies, generate payment links and get virtual cards to transact with.

The fees are low and exchange rates are also favourable. 

Sendwave

Sending money to Southeast Asia and West Africa? This platform is a money transfer service that is easy to use. You only need to link your debit card, verify it and send money to your loved ones directly from it. 

Sendwave also offers transparent pricing as you can easily calculate what the most updated rate is. There’s a currency calculator directly placed on the home page. The only issue is that you have to do everything from the mobile app as there is no web version. 

Revolut

Revolut is a UK-based bank offering bank accounts, debit cards and international money transfers.

You can open a multicurrency account and send money to over 100 countries, across 70+ currency pairs. In these accounts, you can hold various currencies at the interbank rate. 

There is also fair and competitive pricing. Choose to send money via a bank transfer, card transfer, peer transfer or even wallet transfer (a way to transfer money via a phone number).

Unfortunately, while the fees are relatively low, they can be quite high especially when compared to their counterparts like Ohentpay.

SendApp

The SendApp by Flutterwave is a way to make international payments using Flutterwave as an individual.

You can send up to $20,000 on the app across the world at a flat transfer fee. Similar to other options, you can send the money directly to your recipient’s local bank account and they’ll receive the equivalent in their bank.

A unique feature of this app is that you can also use the Send App to send cash directly.

So your recipient can pick up the equivalent immediately across designated pickup locations. It also works with mobile money for specific countries like Kenya and Tanzania.

How to choose the best money transfer app

With so many options, choosing the best app depends on what you need. Just be sure to review the following;

• Recipient country:  Ensure the app you choose supports transfers to your recipient's country.
• Transfer fees: Compare fees between apps to find the most inexpensive option. Consider both fixed fees and currency exchange margins.
• Transfer speed: How quickly does your recipient need the money? Some apps offer faster transfers for a premium.
• Delivery options: Does your recipient have a bank account? If not, consider apps offering cash pickup or mobile wallet top-up options.
• Security: Always choose a reputable app with strong security measures to protect your money and personal information.

Overall, OhentPay meets all of these criteria and more which is why we recommend opening a free account. Learn more about how it works here. 

Send money across borders!

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