Wise is an international transfer company that allows you to send money from the United States to more than 80 countries around the world. The payment methods that this application accepts are: debit or credit cards, bank transfers, and international transfers with the “SWIFT” code.
To make a transfer with Wise, you must pay a fixed commission and a percentage of the amount sent. These costs vary depending on where the money is being sent and the amount you are sending. This app uses the interbank exchange rate to make international transfers.
The PayPal electronic wallet also has its own app to make international shipments. This application is called Xoom and it is used to send money, recharge your prepaid phone account balances and pay bills in more than 160 countries around the world.
If you want to know more about how to add money to a prepaid card , you can consult this article that we have prepared about it.
One of the biggest advantages of using Xoom is that it allows your beneficiary to receive the money in three different ways:
- as direct deposit to a bank account;
- in cash to be withdrawn at a window; either
- with direct home delivery.
When sending, the application will indicate the cost of the transaction and how much the beneficiary will receive in their local currency.
Zelle is a network service that allows you to send money from your bank account to the accounts of your friends and family; regardless of the bank your beneficiaries use. Many banks offer access to this network from their own app, although it is also possible to download the Zelle app and use it on its own.
Zelle is a free service that only works within the United States. It can be used to send money in a matter of minutes, but is not available in other countries.
The Western Union app is available any time of the day, seven days a week. In addition to sending money, you can also use the Western Union app to pay bills to stores abroad.
Before you complete the shipment, the Western Union app will tell you the exchange rate and the amount your beneficiary will receive. For added convenience, this app also has the option to save your beneficiary information. Thus, you will be able to repeat shipments more quickly and safely.
Beneficiaries can receive the money in three ways:
- as a deposit to your bank account;
- as a cash pickup that can be picked up at any Western Union agent location; either
- directly to an electronic wallet.
With the Western Union app, the payment methods are:
- directly from your bank account;
- using Apple Pay; either
- with a credit or debit card.
Available in more than 130 countries, World Remit is a mobile application that offers secure, fast and low-cost transfers. From the United States, you can use World Remit to send money in more than 70 currencies.
Your beneficiaries can receive the money in cash, as a bank transfer or as a deposit to an electronic wallet. The World Remit app can also be used to pay for phone recharges in many countries.
Available only in the United States, Venmo (site available only in English) is an application for sending money between friends and family. There is also a version of the app for businesses that want to collect electronically.
Venmo does not offer international transfer services. To send and receive money, users need to have a US bank account, and in some cases, a social security number is also required to open an account.
Apple Cash allows Apple device users to send and receive money with a simple text message. Upon receiving the money, it is stored in the Apple digital wallet.
These shipments can be paid by credit or debit card, only within the United States. Your beneficiary receives the money in minutes and can use it as a payment method in stores or when making purchases online.
With Cash App , you can instantly send and receive money using your phone number, email address, or a unique identifier known as a $cashtag. The service includes an optional debit card that allows you to shop at stores or withdraw cash at ATMs. This app can be linked directly to an existing bank account and also allows you to receive direct deposits such as paychecks.
Azimo is an international transfer app that allows you to send money in less than an hour to more than 80 countries. The service works 24 hours a day even on weekends, so you don’t need to worry about bank hours. This service offers low fees that vary depending on where the money is being sent.
With Facebook Pay , you can send money via instant messaging within the Facebook, Instagram, or WhatsApp apps. This service is free and can also be used to send donations, make purchases from Facebook Marketplace or access virtual events on Facebook Watch.
Facebook Pay can be connected to PayPal as a payment method or to any credit or debit card. This service is available in many countries around the world.
Google Pay is a versatile solution for sending money transfers and electronic payments. With a simple interface, you can send money to a single person or create a private group to split a bill among multiple people. It also works to pay in establishments and online stores.
Google Pay currently has integration with Western Union and Wise to send money person-to-person in the United States, India, and Singapore.
Your bank’s app
Within the United States, most financial institutions are connected to Zelle. From your bank’s app, you can make transfers from one account to another and from one bank to another. These transfers are free and instant as long as both users are registered on the Zelle platform.
Is it safe to send money by cell phone?
Technology makes it easy to send money from cell phones; however, this facility can lead us to be complacent and make mistakes that can be very expensive. Although methods of sending money via mobile apps tend to be safe, it’s always best to check the reputation of the company you plan to use to send your money.
To avoid internet fraud , it is also important to know who you are sending money to. Do not send payments to strangers or respond to requests from strangers on social networks like Facebook or Instagram. And if you shop on these platforms, be sure to pay until the seller shows you proof of shipment or when you’ve received your items.
If you use apps that are tied to phone numbers or email addresses, remember to check that you’re sending money to the right person. Once the money is sent, it is difficult or even impossible to return it to your bank account.