6 tips for choosing a better international money transfer provider

By Krutika Kale · · 1 min read
Fact Checked
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Whether you’re sending money overseas for the first time or are on the lookout for a different provider, always be sure to research what’s on offer.

The top international money transfer providers can help you send money overseas quickly, at a good exchange rate and with minimal fees. These things matter as they can save you time and money! 

Here are a few simple tips you can consider when choosing your International Money Transfer provider:

  • Shop around on price: It’s always a good idea to have more than one option. This gives you a chance to compare exchange rates and select the one that’s best for you.
  • Think about your needs: Your specific transfer needs might differ from the next person. Take time to compare different options according to your own needs. 
  • Consider how you’ll pay any fees: For example, you might need to pay a higher fee or interest charges or even bad exchange rates if you pay via credit cards. 
  • Easy transfer options: Make sure the provider you’re considering has a transfer option that’s easy to access. For example, an online transfer from your phone can be done within a few minutes. 
  • Check the transfer time: You don’t want to worry about moving money during an emergency.
  • Track your transfers: It’s always reassuring to have a service that provides up to date information. 

If you’re ready to start comparing international money transfer providers, our Mozo experts have handpicked some of the best on the market.

Personal international money transfer comparisons on Mozo

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Last updated 9 May 2025 Important disclosures
I want to transfer
to
Today’s foreign exchange rates
  • Excellent exchange rates, no transfer fees
  • 24/7 transfers online, over the phone or through the TorFX app
  • Personal account management and expert insights

$6,381 USD

  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0

  • $0.6381 USD

  • 1-2 days

  • $200 minimum

  • Send to 200+ countries and 100+ currencies globally, 48,000+ 5-star 'Excellent' ratings on TrustPilot
  • Dedicated Australia-based client services team with personal account management for transfers over $20,000
  • Send fees are charged on smaller amount transfers, additional fees are charged on debit and credit card payment methods.

$6,365 USD

  • IN PERSON
    n/a
    BY PHONE
    n/a
    ONLINE
    $5

  • $0.6368 USD

  • 1-3 days

  • none

  • Fee Free transfers
  • Talk to a human, 24/7. Sharp Rates and Fast and Secure transfers.
  • Australian owned, ASX listed and Official Foreign Exchange Provider of the NHL

$6,364 USD

  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0

  • $0.6364 USD

  • 1-2 days

  • $250 minimum
    $500 monthly minimum for regular transfers

* The exchange rates offered by each provider are indicative exchange rates that have either been supplied by each provider or gathered by Mozo. Exchange rates fluctuate constantly and as a consequence the exchange rates listed here may vary to the actual exchange rate you are quoted by a provider. Please ensure you confirm the actual exchange rate with the relevant provider prior to conducting any transaction. These exchange rates are updated every hour.

^See information about the Mozo Experts Choice International Money Transfer Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Today's overseas transfer rates