Top Remittance Services in the U.S.

Choose the Right Remittance App for Your Needs

Many people in the United States send money to family or friends in other countries. This can help loved ones pay for school, food or emergencies. Today, it is easier and cheaper to send money using online services. Here are some of the most trusted money transfer companies in 2025.

Wise (formerly TransferWise)

Wise is known for showing you the true cost of sending money. It uses the real exchange rate you see on Google, so you get more value. There are no hidden fees. You can also hold and send over 40 currencies using their multi-currency account.

Key features:

• Clear, low fees
• Real exchange rate (no markups)
• Send money to 170+ countries
• Multi-currency account and debit card
• Good for freelancers and small businesses

Xoom (a PayPal service)

Xoom is part of PayPal and is a good choice for fast transfers. You can send money to over 160 countries. It offers many delivery options, including bank deposit, cash pickup, mobile wallet or home delivery. Xoom also gives a money-back guarantee if something goes wrong.

Key features:

• Fast delivery (some in minutes)
• Send to bank, cash pickup or mobile wallet
• Works well with PayPal
• Send money to 160+ countries
• Money-back guarantee

Remitly

Remitly helps people send money to developing countries. It has two options: Express, which is faster and costs more, and Economy, which is slower but cheaper. You can send to bank accounts, mobile wallets or for cash pickup.

Key features:

• Express and Economy delivery options
• Good exchange rates
• Easy-to-use mobile app
• Send money to 170+ countries
• Many delivery choices

WorldRemit

WorldRemit is a popular service that works in over 130 countries. It is often used to send money to places where people use mobile wallets. You can send money to bank accounts, mobile wallets, or as cash pickup.

Key features:

• Send money to 130+ countries
• Delivery options include bank, mobile wallet, airtime or cash
• Fast transfers (often in minutes)
• Good for unbanked communities

Taptap Send

Taptap Send is made for sending money to Africa, Asia, the Caribbean and Latin America. It works with mobile wallets like GCash, MTN and bKash. It is mobile-only, so you need to use the app. The fees are low and rates are fair.

Key features:

• Mobile app only 
• Low fees, good exchange rates
• Send money to 50+ countries 
• Works with mobile wallets
• Focus on underserved regions

MoneyGram

MoneyGram is a well-known global service. It has cash pickup locations in over 200 countries and territories. It also lets you send money online, in the app or in person. Costs depend on how you send and where the money is going.

Key features:

• Send money to 200+ countries
• Large number of cash pickup locations
• Send online, in app or in person
• Trusted and widely used

Sending money across borders is now easier, safer and faster. Choose the best service based on what matters most to you and your family, whether that’s cost, speed or how the money will be received.

Coming Soon: Smiles Mobile Remittance in the U.S.

Smiles Mobile Remittance is Japan’s “absolute no. 1” mobile money remittance app, known for serving thousands of overseas workers with fast, secure, and easy-to-use service. Soon, Smiles Mobile Remittance will be available in the United States, making it easier for migrants to send money home anytime, anywhere using just their phones.

Key features: 

• Send to 200+ countries
• 24/7 multilingual support
• Loyalty points program
• Competitive exchange rates and low fees

Smiles Mobile Remittance offers great exchange rates and strong multilingual support, giving you peace of mind with every transfer. Whether you’re working hard or on the go, Smiles helps you send money to your loved ones quickly, safely and with care.