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MoneyGram alternatives: 5 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll international money transfer services

Top picks

  • Remitly logo

    Best overall

    Remitly

    Free

  • Xe logo

    Best free option

    Xe

    Starting price: Transfer fees from $0

Common reasons people leave MoneyGram: fees and exchange-rate margins vary widely by route and method, and often costlier than online-only services for bank transfers. We ranked 5 alternatives by how directly each one replaces MoneyGram, then by reviews, real visits and how recently each app's facts were checked against its own website. Remitly currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Remitly logoRemitlyFree—NoWeb, iOS, Android4 of 468.8
2Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 864.8
3Wise logoWiseFree—NoWeb, iOS, Android3 of 352.6
4Xoom logoXoomPaid—NoWeb, iOS, Android6 of 642.3
5TransferGo logoTransferGoPaid—NoWeb, iOS, Android8 of 842.3
  1. Remitly logo

    1. RemitlyTop pick

    Best for: People sending regular remittances to family abroad, especially for cash pickup or mobile wallets

    FreeWeb, iOS, Android

    68.8

    score / 100

    Why switch from MoneyGram

    App-first remittances, often with lower fees and better rates for bank and wallet deposits.

    Pros

    • Sends to 170+ countries with bank, mobile wallet and cash pickup options
    • Fee and exchange rate shown before you confirm
    • Support in 18 languages
    • Business accounts for paying overseas contractors

    Cons

    • Exchange rates include a margin, so it is not always the cheapest route
    • You can only send from a limited list of countries
    • Costs vary by route and payment method, which makes comparing harder
    Visit Remitly Compare with MoneyGramDetails and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Remitly a good MoneyGram alternative?

    Verified facts

    4 of 4 verified
    Destinations
    175+ countries
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Delivery methods
    Bank account, mobile wallet, cash pickup
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Support languages
    18
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Headquarters
    Seattle, US
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
  2. Xe logo

    2. Xe

    Best for: People sending larger sums abroad who also want a trusted currency converter and rate alerts

    Free plan + paidWeb, iOS, Android

    64.8

    score / 100

    Why switch from MoneyGram

    Good rates for larger bank-to-bank transfers, plus cash pickup in many countries.

    Pros

    • Free currency converter, charts and rate alerts
    • Bank, mobile wallet and cash pickup delivery
    • Regulated in many countries and part of Euronet

    Cons

    • Card payments add an extra fee
    • Exchange-rate margin makes the true cost less obvious than Wise's
    • Bank transfers can take up to three business days
    Visit Xe Compare with MoneyGramDetails and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xe a good MoneyGram alternative?

    Verified facts

    8 of 8 verified
    Owner
    Euronet Worldwide
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Cash pickup
    500,000+ locations
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Regulators
    FCA, FinCEN, FINTRAC, ASIC and more
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Rate alerts
    Yes
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Starting price
    Transfer fees from $0
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Bank account payment
    No additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Card payment
    Small additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    US online transfer limit
    $535,000 USD per transfer
    Checked Nov 8, 2026xe.com(opens source in a new tab)
  3. Wise logo

    3. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    52.6

    score / 100

    Why switch from MoneyGram

    Mid-market exchange rate with transparent fees, best for transfers between bank accounts.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good MoneyGram alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  4. Xoom logo

    4. Xoom

    Best for: PayPal users sending money home to bank accounts, wallets or cash pickup points

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from MoneyGram

    Online and app transfers with cash pickup, plus the option to pay with an existing PayPal account.

    Pros

    • Pays out to banks, debit cards, mobile wallets, UPI, PIX and cash pickup
    • Can be funded straight from a PayPal account
    • Fee and receive amount shown before you send
    • Phone top-ups and bill payments abroad in the same app

    Cons

    • Earns a margin on the exchange rate on top of the fee
    • Card-funded transfers usually cost more than bank-funded ones
    • Fees, limits and speeds vary a lot by country
    Visit Xoom Compare with MoneyGramDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xoom a good MoneyGram alternative?

    Verified facts

    6 of 6 verified
    Owner
    PayPal
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    In service since
    2001
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Payout options
    Bank, wallet, UPI, PIX, cash pickup
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Cash pickup and delivery
    Yes
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Exchange-rate margin
    Yes, on top of transfer fees
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Transfer fee to India
    $0 on eligible transactions
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
  5. TransferGo logo

    5. TransferGo

    Best for: People in Europe and the UK sending money home who also want a multi-currency card

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from MoneyGram

    App-based transfers from Europe with a free virtual card and multi-currency balance.

    Pros

    • Covers 160+ countries, with strong corridors from the UK and EU
    • Free virtual GoCard plus a multi-currency balance in the same app
    • Regulated by the UK FCA and the Bank of Lithuania

    Cons

    • Physical card has a one-off fee, and ATM use beyond the monthly allowance costs extra
    • Sending is mainly from Europe and the UK, so it is less useful for US-based senders
    • Fees and rates vary by corridor and speed, so costs need checking per transfer
    Visit TransferGo Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is TransferGo a good MoneyGram alternative?

    Verified facts

    8 of 8 verified
    Destinations
    160+ countries
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Platforms
    iOS, Android, Huawei, web
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Founded
    2012
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Physical card
    £4.99 one-time payment
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Regulation
    UK FCA (FRN 991295)
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Transfer fee
    From 0.2% to bank accounts
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Free plan
    Yes, free multi-currency account, no monthly cost
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    ATM withdrawals
    £500 free a month in UK/EEA (3 withdrawals)
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)

The best MoneyGram alternative for…

The highest-ranked app in this list for each need.

Remitly logo

Best MoneyGram alternative for most people

Remitly

App-first remittances, often with lower fees and better rates for bank and wallet deposits.

Wise logo

Best MoneyGram alternative for a free option

Wise

Mid-market exchange rate with transparent fees, best for transfers between bank accounts.

Xe logo

Best MoneyGram alternative for a free plan you can upgrade

Xe

Good rates for larger bank-to-bank transfers, plus cash pickup in many countries.

Xoom logo

Best MoneyGram alternative for iPhone and Android

Xoom

Online and app transfers with cash pickup, plus the option to pay with an existing PayPal account.

TransferGo logo

Best MoneyGram alternative for working in the browser

TransferGo

App-based transfers from Europe with a free virtual card and multi-currency balance.

MoneyGram alternatives: common questions

What is the best alternative to MoneyGram?

Remitly ranks first right now. App-first remittances, often with lower fees and better rates for bank and wallet deposits. Xe and Wise follow it in our ranking.

MoneyGram vs Remitly: what's the difference?

MoneyGram is a paid product; Remitly is free to use. Both run on Web, iOS and Android.

Is MoneyGram free?

MoneyGram is a paid product.

Is there a free alternative to MoneyGram?

Yes. Remitly (free), Xe (free plan + paid) and Wise (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to MoneyGram?

None of the 5 alternatives in this list is open source.

Why do people switch from MoneyGram?

The complaints we hear most: fees and exchange-rate margins vary widely by route and method; often costlier than online-only services for bank transfers; not every service is available in every country.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces MoneyGram, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.