AppBreakup
Submit an app

Paysend 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 Paysend: fees and exchange margins vary by corridor, so it is not always the cheapest option, and no multi-currency balance to hold money like Wise or Revolut offer. We ranked 5 alternatives by how directly each one replaces Paysend, 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
2TransferGo logoTransferGoPaid—NoWeb, iOS, Android8 of 861.8
3Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 859.4
4MoneyGram logoMoneyGramPaid—NoWeb, iOS, Android4 of 457.5
5Wise logoWiseFree—NoWeb, iOS, Android3 of 354.4
  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 Paysend

    Focused on remittances with cash pickup and mobile money in many of the same corridors.

    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 Details 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 Paysend 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. TransferGo logo

    2. TransferGo

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

    PaidWeb, iOS, Android

    61.8

    score / 100

    Why switch from Paysend

    Similar app-first service with strong European corridors and a free virtual card.

    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 ×0.377
    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 Paysend 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)
  3. Xe logo

    3. Xe

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

    Free plan + paidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Paysend

    Good for larger bank-to-bank transfers with rate alerts and a currency converter.

    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 Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    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 Paysend 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)
  4. MoneyGram logo

    4. MoneyGram

    Best for: People sending money to families who collect cash or use mobile wallets

    PaidWeb, iOS, Android

    57.5

    score / 100

    Why switch from Paysend

    Another long-established network with cash pickup in most countries.

    Pros

    • Huge cash pickup network in over 200 countries and territories
    • Send in the app, online or in person
    • Bank, debit card and mobile wallet delivery where available

    Cons

    • 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
    Visit MoneyGram Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    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 MoneyGram a good Paysend alternative?

    Verified facts

    4 of 4 verified
    Countries
    200+ countries and territories
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Retail locations
    Nearly 500,000
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Ways to send
    App, online or in person
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Bill pay
    Yes (US)
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
  5. Wise logo

    5. Wise

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

    FreeWeb, iOS, Android

    54.4

    score / 100

    Why switch from Paysend

    Mid-market rate with a transparent fee, plus a multi-currency account to hold balances.

    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 ×0.352
    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 Paysend 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)

The best Paysend alternative for…

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

Remitly logo

Best Paysend alternative for most people

Remitly

Focused on remittances with cash pickup and mobile money in many of the same corridors.

Wise logo

Best Paysend alternative for a free option

Wise

Mid-market rate with a transparent fee, plus a multi-currency account to hold balances.

Xe logo

Best Paysend alternative for a free plan you can upgrade

Xe

Good for larger bank-to-bank transfers with rate alerts and a currency converter.

TransferGo logo

Best Paysend alternative for iPhone and Android

TransferGo

Similar app-first service with strong European corridors and a free virtual card.

MoneyGram logo

Best Paysend alternative for working in the browser

MoneyGram

Another long-established network with cash pickup in most countries.

Paysend alternatives: common questions

What is the best alternative to Paysend?

Remitly ranks first right now. Focused on remittances with cash pickup and mobile money in many of the same corridors. TransferGo and Xe follow it in our ranking.

Paysend vs Remitly: what's the difference?

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

Is Paysend free?

Paysend is a paid product. Transfer fee: From $1.99 when sending from the US; Daily limit (new accounts): $999 a day. Checked on Paysend's own site, November 2026.

Is there a free alternative to Paysend?

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 Paysend?

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

Why do people switch from Paysend?

The complaints we hear most: fees and exchange margins vary by corridor, so it is not always the cheapest option; no multi-currency balance to hold money like Wise or Revolut offer; delivery times depend on route and compliance checks, so 'fast' is not guaranteed.

How is this list ranked?

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