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TransferGo alternatives: 7 apps ranked by verified data

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

Top picks

Common reasons people leave TransferGo: physical card has a one-off fee, and ATM use beyond the monthly allowance costs extra, and sending is mainly from Europe and the UK, so it is less useful for US-based senders. We ranked 7 alternatives by how directly each one replaces TransferGo, then by reviews, real visits and how recently each app's facts were checked against its own website. Paysend currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Paysend logoPaysendPaid—NoWeb, iOS, Android8 of 864.8
2Remitly logoRemitlyFree—NoWeb, iOS, Android4 of 461.8
3Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 859.4
4Atlantic Money logoAtlantic MoneyPaid—NoiOS5 of 557.5
5Wise logoWiseFree—NoWeb, iOS, Android3 of 356.8
6MoneyGram logoMoneyGramPaid—NoWeb, iOS, Android4 of 455.9
7Instarem logoInstaremPaid—NoWeb, iOS, Android5 of 554.5
  1. Paysend logo

    1. PaysendTop pick

    Best for: People sending money home who want card, wallet or cash payout options in one app

    PaidWeb, iOS, Android

    64.8

    score / 100

    Why switch from TransferGo

    Similar app with card and e-wallet payouts and wide coverage across 170+ countries.

    Pros

    • Several payout methods: bank account, card, e-wallet or cash, depending on the destination
    • Rate and fee are shown before you confirm each transfer
    • Wide reach of 170+ destination countries

    Cons

    • 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
    Visit Paysend Details 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 Paysend a good TransferGo alternative?

    Verified facts

    8 of 8 verified
    Destinations
    170+ countries
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Payout methods
    Bank account, card, e-wallet or cash
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee shown upfront
    Yes, before you confirm
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Regulation
    UK FCA e-money institution
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Headquarters
    Edinburgh, Scotland
    Checked Nov 5, 2026paysend.com(opens source in a new tab)
    Transfer fee
    From $1.99 when sending from the US
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee type
    Fixed fee, not a % of the amount
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Daily limit (new accounts)
    $999 a day
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
  2. Remitly logo

    2. Remitly

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

    FreeWeb, iOS, Android

    61.8

    score / 100

    Why switch from TransferGo

    Bigger choice of cash pickup and mobile money destinations.

    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 ×0.377
    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 Remitly a good TransferGo 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)
  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 TransferGo

    Handy for larger bank transfers with rate alerts.

    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 TransferGo 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. Atlantic Money logo

    4. Atlantic Money

    Best for: UK users sending large sums abroad who want a flat fee and no exchange-rate markup

    PaidiOS

    57.5

    score / 100

    Why switch from TransferGo

    Flat low fee per transfer at the mid-market rate, often cheaper on large sums from Europe.

    Pros

    • Flat fee per transfer, regardless of the amount sent
    • Uses the live exchange rate with no markup
    • High transfer limit for big one-off payments
    • Business version for paying international suppliers

    Cons

    • Only about ten currencies supported
    • No Android app yet
    • Flat fee makes it poor value for very small transfers
    Visit Atlantic Money 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 Atlantic Money a good TransferGo alternative?

    Verified facts

    5 of 5 verified
    Transfer fee
    Flat £3 per transfer
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Maximum transfer
    £1 million for the same £3 fee
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Exchange rate markup
    None, live rate
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Currencies
    10
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Operator
    Deel Payments UK Ltd (FCA authorised)
    Checked Nov 8, 2026atlantic.money(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

    56.8

    score / 100

    Why switch from TransferGo

    Mid-market rate and a fuller multi-currency account with a card.

    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 ×0.360
    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 TransferGo 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)
  6. MoneyGram logo

    6. MoneyGram

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

    PaidWeb, iOS, Android

    55.9

    score / 100

    Why switch from TransferGo

    Cash pickup at agent locations worldwide when the recipient has no bank account.

    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 ×0.357
    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 TransferGo 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)
  7. Instarem logo

    7. Instarem

    Best for: Expats in the US, Europe or Asia sending money home to bank accounts, especially to India

    PaidWeb, iOS, Android

    54.5

    score / 100

    Why switch from TransferGo

    Low-margin transfers popular for sending to Asia, with rates shown before you pay.

    Pros

    • InstaPoints rewards lower the cost of future transfers
    • Fees and rate shown upfront with real-time tracking
    • Backed by Nium and licensed in 11 countries

    Cons

    • Around 60 destination countries, far fewer than Remitly or Western Union
    • Mostly bank deposits, with little cash-pickup coverage
    • Supporting documents may be requested for some transfer purposes
    Visit Instarem Details and reviews
    How this score is calculated
    Editorial fit ×0.353
    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 Instarem a good TransferGo alternative?

    Verified facts

    5 of 5 verified
    Destinations
    60+ countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Owner
    Nium
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Regulation
    Licensed in 11 countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Founded
    2014, in Asia-Pacific
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Rewards
    InstaPoints on every transfer
    Checked Nov 8, 2026instarem.com(opens source in a new tab)

The best TransferGo alternative for…

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

Paysend logo

Best TransferGo alternative for most people

Paysend

Similar app with card and e-wallet payouts and wide coverage across 170+ countries.

Remitly logo

Best TransferGo alternative for a free option

Remitly

Bigger choice of cash pickup and mobile money destinations.

Xe logo

Best TransferGo alternative for a free plan you can upgrade

Xe

Handy for larger bank transfers with rate alerts.

Wise logo

Best TransferGo alternative for iPhone and Android

Wise

Mid-market rate and a fuller multi-currency account with a card.

MoneyGram logo

Best TransferGo alternative for working in the browser

MoneyGram

Cash pickup at agent locations worldwide when the recipient has no bank account.

TransferGo alternatives: common questions

What is the best alternative to TransferGo?

Paysend ranks first right now. Similar app with card and e-wallet payouts and wide coverage across 170+ countries. Remitly and Xe follow it in our ranking.

TransferGo vs Paysend: what's the difference?

Both TransferGo and Paysend are paid products. Both run on Web, iOS and Android.

Is TransferGo free?

TransferGo is a paid product. Physical card: £4.99 one-time payment; Free plan: Yes, free multi-currency account, no monthly cost; ATM withdrawals: £500 free a month in UK/EEA (3 withdrawals). Checked on TransferGo's own site, November 2026.

Is there a free alternative to TransferGo?

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 TransferGo?

None of the 7 alternatives in this list is open source.

Why do people switch from TransferGo?

The complaints we hear most: 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.

How is this list ranked?

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