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TransferGo

App for sending money abroad, with a multi-currency account and GoCard debit card.

PaidInternational money transfer services

Updated · AppBreakup editorial · Web, iOS, Android

Visit TransferGoSee 7 alternatives

Is TransferGo free?

No, it's a paid product

Free plan:
Yes, free multi-currency account, no monthly cost

Checked on TransferGo's site Nov 8, 2026

3 alternatives with a free option

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All 7
Verified facts
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About TransferGo

TransferGo is a London-based money transfer service, founded in 2012, built mainly for migrants sending money between Europe and their home countries. It now pays out to more than 160 countries, by bank transfer, card, e-wallet or cash depending on the route. Its original trick was holding local bank accounts in each country, so both ends of a transfer are cheap domestic payments. The app has grown into a light banking product: you can hold and exchange several currencies, and spend with the GoCard, a virtual card that is free on sign-up, with an optional physical card for a one-off fee. There is also a business account for paying suppliers and staff abroad. There is no subscription; each transfer has a fee and an exchange margin that depend on the corridor and speed you choose. It runs on iOS, Android, Huawei devices and the web, and is regulated in the UK and Lithuania.

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

TransferGo pricing (checked Nov 8, 2026)

Each line is quoted from TransferGo's own site, with the page it came from.

Plan or termWhat it saysCheckedSource
Physical card£4.99 one-time paymentNov 8, 2026transfergo.com
Free planYes, free multi-currency account, no monthly costNov 8, 2026transfergo.com
ATM withdrawals£500 free a month in UK/EEA (3 withdrawals)Nov 8, 2026transfergo.com

Pros and cons

What works

  • 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

Why people leave

  • 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

TransferGo vs Paysend, Remitly and Xe

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeTransferGoPaysendRemitlyXe
PricingPaidPaidFreeFree plan + paid
Verified price————
Free planYes, free multi-currency account, no monthly costNoFree appYes
Open sourceNoNoNoNo
Self-hostableNoNoNoNo
PlatformsWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, Android

Top TransferGo alternatives

See all 7
  1. 1Paysend logo
    Paysend

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

    64.8
  2. 2Remitly logo
    Remitly

    Bigger choice of cash pickup and mobile money destinations.

    61.8
  3. 3Xe logo
    Xe

    Handy for larger bank transfers with rate alerts.

    59.4
  4. 4Atlantic Money logo
    Atlantic Money

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

    57.5
  5. 5Wise logo
    Wise

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

    56.8

Why people left TransferGo

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from TransferGo, review the app you switched to and tell us why.

Reviews

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TransferGo: common questions

What is TransferGo?

TransferGo: App for sending money abroad, with a multi-currency account and GoCard debit card. Best for people in Europe and the UK sending money home who also want a multi-currency card. Available for Web, iOS and Android.

Is TransferGo free?

No, TransferGo is a paid product. Free plan: Yes, free multi-currency account, no monthly cost (checked on TransferGo's own site).

How much does TransferGo cost?

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 TransferGo open source?

No, TransferGo is not open source.

What platforms does TransferGo run on?

TransferGo is available for Web, iOS and Android.

What are the best alternatives to TransferGo?

The highest-ranked TransferGo alternatives right now are Paysend, Remitly and Xe. See the full ranked list for pricing, platforms and verified facts.

TransferGo vs Paysend: what's the difference?

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

See all 7 TransferGo alternatives