Best Free and Paid Apps/Websites to Send Money Internationally

Looking for a way to send money internationally? If you are from another country and working in Canada, it is normal to send money to your home. But the way you choose to send money can greatly vary. Moreover, an international transaction can charge a good amount of money from the senders.

So, as a user, you should consider various options to send money internationally before deciding on one. So, here from Instant Funding, we bring you the top free and paid ways to send money internationally from Canada.

Top free Apps/Websites to send money

To begin with, our list, here are the best applications and websites through which you can transfer money easily without any transfer fee.


OFX is an online money transfer service provider that allows you to send money to over 190 countries and in more than 50 currencies.

You can download their app or visit their website to transfer money. The transfer generally takes a business day to be completed. The best thing about them is they charge no fees in a standard transaction, and you can also fix the exchange rate for 12 months.

So even the fast transfer charges are much lower than the banks. But you must know that the minimum amount transfer is $1000.


In WorldRemit, your first transfer will be free of cost. But even after that, they have a very low cost of the transfer.

They have a straight and simple process that can be done in as little as a few minutes, and you can send money to over 130 countries using various methods like bank transfers, cash pick-ups, door-to-door delivery, and many others.

You can pay with numerous payment options like debit or credit cards, bank accounts, Apple pay, or prepaid cards. But while applying for a currency transfer, you must keep up with fluctuating rates. But the good thing is that there is no hidden cost.


Revolut is one of the market’s best money transfer and currency exchangers. It charges low to no fee for money transfers from one country to another.

Its pricing is easy and transparent, which is why it has many positive reviews. But they do not support cash transfers, and the exchange rates peak during weekends.

XE Money Transfer

XE Money Transfer is best for sending money to other countries. They charge no fees if the sent amount is more than $500. Moreover, the amount can be transferred and received on the same day.

So, if you have to continuously send an amount to a foreign nation, it can be a great partner. Moreover, they also offer competitive exchange rates.

But they do not have a cash pick-up option, and it doesn’t provide transfers to some regions like China, Egypt, and Cayman Island. You can use their official website or application to send money internationally.

Note: Before you actually visit these websites and start sending money, there is something important that you should know. The above-mentioned websites may not charge the fees, but they may have a set number of margins in the exchange rates. So, if you are choosing them, then keep the exchange rates in mind before transacting with them.

Popular paid money transfer services (moderate to high)


Wise and Revolution are equally matched. Wise offers one of the best international money transfer options with the best exchange rates and upfront fees. It has one of the lowest fees if you transfer through a bank account, usually less than 1%.

But the cost of a card transfer is legitimate as the bank transfer can take up to 3 business days to reach the destination, whereas the card transaction can reach within a few minutes.

It has a sending limit of $1 million per transfer. So, you do not have to worry about hitting the transfer limit. Moreover, if you face any issue while transferring or in the transfer, you can reach out to their customer support and get your query resolved.

Bank Transfer

Many banks also offer you an option of international payment. So, check with your bank. Of course, you would need to log in to your online banking.

If you do not have online banking credentials, you can contact your bank and get them. Many banks like Scotia bank and National bank offer international transfer options but have a high fee for every transaction. You can check the transfer rates and charges on the bank’s website.


You surely would have heard about PayPal. It is one of the best peer-to-peer lending platforms in the world. Paypal allows you to send money from anywhere to anyone as long as they have PayPal.

But they have higher fees for every transaction, which can be from 4% to 7% of the total sending amount, which you have to pay for each transaction. But the safety in PayPal is second to none, and the transfer is generally received within a few seconds or minute.

Suppose the receiver doesn’t have a bank account in PayPal. In that case, the balance will stay in the PayPal wallet, and nowadays, PayPal is accepted in the majority of places, so they can use the balance to make various transactions.


Xoom is another popular international money transfer application. It tends to offer a lower upfront fee, mostly under $5 for bank account transactions.

However, the exchange rate markup can go to 3% or above. But compared to a bank’s international wire transfer, it is still a better choice for many people. Regardless of a person’s payment method, a transaction can take one to three business days to reflect, depending on factors like banking hours, location, time zone, etc.

You can fund the transaction with a bank account, credit or debit card, and PayPal account, as Xoom is a subsidiary of PayPal.

So, these are the ways through which you can transfer money internationally. Many people often ask, “can a bad credit score affect international transfer?” The answer is no! No matter how pathetic a credit score you may have, it won’t affect your international transaction. But a bad credit loans score can surely be a problem if you have to meet your daily expenses. But Instant Funding can help you get a bad credit loan easily and also help on “how can I get a personal loan”.