How Can You Send Someone Money Online

Jump to our picks for the best ways to send money:

Best for mobile: Venmo
Best for referral incentive: Johnny Cash App
Quickest for domestic transfers: Zelle || Google Pay
Well-nig nonclassical online: PayPal
Best for nonbank transfers: Walmart2Walmart
Best for sending $10,000 or much within the U.S.: Bank wire transfer
Cheapest for internationalistic transfers: OFX
Fastest for International transfers: Xoom || MoneyGram
Best transfer options: Western Union
Best for easy sign-up: Well-advised

When you base money online, the best way depends on how and where you want to send it.

We compared fees, speed and other features to find the optimal providers for housing and international money transfers.

Wherefore you give notice trust NerdWallet: Our writers and editors follow corrective skilled worker guidelines to defecate sure our coverage is fair and accurate, so you can choose the options that work outdo for you.

+ Project a summary of our picks

How to beam money online, on mobile or personally

Venmo: Best rated for mobile.
Cash app: Best for referral bonus.
Zelle: Fastest for living accommodations transfers (tie with Google Pay).
Google Pay: Fastest for domestic transfers (tie with Zelle).
PayPal: Most popular online.
Walmart2Walmart: Champion for nonbank transfers.
Bank wire transfer: Best for sending $10,000 or more inside the U.S.
OFX: Cheapest for international transfers.
Xoom: Fastest for international transfers (tie with MoneyGram).
MoneyGram: Fastest for international transfers (tie with Xoom).
Western Union: Best transfer options.
Wise: Best for easy sign-up.

Best shipway to send money: Domestic

Read review	Venmo: Best rated for mobile.
Read review	Cash app: Outflank for referral bonus.
Read review	Zelle: Fastest (tie).
	Google Pay back: Fastest (tie).
Read review	PayPal: Most popular online.
	Walmart2Walmart: Best for nonbank transfers.
Bank wire transfer: Best for sending $10,000 or more

Trump ways to send money: International

Venmo: Best rated for mobile

Why it's our piece:

Highly rated app for iOS and Android phones.
Justify, easy, socially engaging money transfers.

Venmo's app ratings — in combination — are the highest of the tamed providers we considered: 4.3 stars in the Google Play store and 4.9 in Apple's App Store.

It's free to send and receive money when you link a bank account, debit identity card or prepaid debit visiting card. Using a charge card costs 3% of the transaction. With a a couple of taps on Venmo, you can send away up to $4,999.99 per week for peer-to-peer transactions.

Your and your friends' transactions volition pop — without amounts — connected a Facebook-like news feed.

Money you receive shows dormy immediately in your Venmo Libra, but cashing resolute a bank building account takes extraordinary to three business days . You can besides transport funds to a debit entry card, typically inside 30 transactions, for a 1.5% fee. (For Sir Thomas More details, take our Venmo review .)

Cash App: Best for referral incentive

Why it's our pick:

$5 fillip when someone uses your referral code to sign up and air money.
No fees to send or encounter money.

Johnny Cash App lets you send and receive money for free with cash from your linked bank chronicle or debit entry card. You can create your own $Cashtag, or username, in the app, to make it easier for people to discover you and send you payments. Dissimilar the otherwise P2P apps and slipway to transmi money on this list, Cash App offers a $5 fillip when individual signs up with your referral link and sends at to the lowest degree $5 from their new account.

You'll require to sustain a bank account to use the Cash App. Money you receive volition show instantly in your app balance, but it will take 1-3 years for the money to show up in your bank explanation if you choose to transfer. You butt cash down instantly to your debit card but you'll pay a 1.5% fee.

You're small-scale to sending and receiving a upper limit of $1,000 per 30 days. If you want to gain your limit, you'll need to provide Sir Thomas More personal entropy such equally your full name, date of birth, and last four digits of your Social Security number. If you send money victimisation a credit card, you'll be charged a 3% fee. (For more information, see our Cash App review .)

Zelle: Fastest (tie with Google Pay)

Why it's our pick:

Delivery tends to be within minutes.
Already integrated with all over 1,000 financial institutions, connecting more 100 million hoi polloi.

With Zelle, you can send and cede money within minutes between bank accounts at different financial institutions. You might already live using Zelle's service through your bank's web site or mobile app. Finished 1,000 banks and credit unions are on board, which means that their 100 million-some customers can use Zelle inside their camber's website or mobile app. If your bank isn't part of the network, Zelle is also gettable as a standalone app.

You'll indigence a U.S. bank account to fund and receive payments . Zelle doesn't charge any fees, though any of its partner banks can resolve to. Although limits vary away bank, some of the largest banks set a daily transfer maximum of $2,000 or $2,500.

Zelle is not made for buying surgery selling things, and you're non protected for those transfers. Additionally, if you send money to the wrong soul Beaver State transferral the wrong amount, you might be out of luck. Protections are limited to when someone steals your Zelle story or password and uses it to send money.

Google Pay: Fastest (tie up with Zelle)

Why it's our pick:

Smooth integration of money transferral service in netmail.
Instant transportation of funds to debit card game for on the loose.

+ Google Pay in a nutshell

Google Pay lets you transfer money for free using a QR encipher, the recipient's name, phone number or email address. You can also cash out for disembarrass inside minutes from the in-app wallet to a debit card. The maximum you give the sack send is $5,000 every seven years. Bank accounts and debit entry card game bum fund transfers, but credit card game and postpaid cards cannot.

Google Salary covers 100% of all verified unauthorized transactions , which isn't a given for entirely money carry-over apps and services.

PayPal: Most popular online

Why it's our pick:

High up transfer uttermost.
More than than 400 cardinal active accounts worldwide.

PayPal offers free transfers in the U.S. when you fund with a rely describe or PayPal balance. Stipendiary with a accredit visiting card — and unlike other providers, a debit notice — carries a fee: 2.9% of the sending amount plus 30 cents. Bank building account transfers are free.

Depending connected your currency, the maximum amount you can send away per channelize ranges from $10,000 to $60,000, surpassing Venmo's hebdomadally maximum. Merely if you'rhenium sending that much money, doing sol through a bank provides more safeguards for your residual, such as FDIC indemnity.

Transferring money to banking company accounts for free takes 1-4 business concern years, conditional if the transmit was initiated after 7 p.m. ET or on a weekend. You can also pay for an instant transfer to a linked debit card. You can send or receive money on the web site operating theatre mobile app on iOS and Android phones, or at PayPal.Me, where you create your own link that family and friends can employ to make up you. (Read our PayPal review .)

Walmart2Walmart: Best for nonbank transfers

Wherefore it's our pick:

Cheaper cash transfers than some handed-down money transfer companies.

+ Walmart2Walmart in a nutshell

If you want to transfer cash, Walmart is cheaper than traditional money reassign companies, much as Occidental Union and Xoom. You can send money to any of the thousands of U.S. Walmart stores, where a recipient can pick up the money within proceedings.

In most states, the maximum you commode send in a daytime is $2,999.99, and prices start at $4. (For more than about Walmart financial services, read our Walmart Money Essence critique .)

Bank wire transfer: B est for sending $10,000 or more than inside the U.S.

+ Bank wire transfers in a nutshell

Sending a wire transfer finished your bank might be the Sunday-go-to-meeting way to transport a vast add up quickly. As handy as P2P apps are, they limit how overmuch you pot send, generally $1,000 to $10,000 per transfer, and delivery can take multiple days.

There's a steep fee for transfers. Based on an analytic thinking of big Banks, the median value domestic wire cost for sending is $25, and $15 for receiving (see what just about Sir Joseph Banks charge ). If you need to send very much of money within minutes, though, the cost could Be worth it.

International transfers

When you make a transfer abroad, you generally encounter two costs: the fee for sending money (also titled the outbound or upfront fee) and the foreign exchange fees, or the markup on the rate of exchange that financial institutions use when transferring money among themselves. Deal both fees to find out the best mess.

OFX: Cheapest

Why it's our pickax:

No outgoing fees.

OFX doesn't charge fees, regardless of the amount you send. In addition, its online service lets you induce a transferee at current exchange rates Beaver State target future rates — meaningful your money bequeath transfer formerly your rate of exchange is reached — and markups are low. From the U.S., you fanny send away money in o'er 55 currencies.

OFX has a minimum measure per conveyance of $1,000 and no maximum. Manner of speaking typically takes several business days. (Read our OFX review for more than details.)

Xoom: Quickest (tie with MoneyGram)

Why it's our pick off:

Transfers to bank accounts abroad within minutes for some countries.

Xoom— a PayPal service — specializes in fast transfers to over 160 countries. You can send capable $100,000, though the higher the number you want to send, the longer you may deliver to wait and the more syntactic category data you'll own to provide (such as a passport or Social Security number and a bank statement or yield stub). You can send money away bank account, debit entry card, mention card surgery the defrayment methods stored in your PayPal account, and most transfers get within minutes. Xoom partners with major Sir Joseph Banks abroad, allowing users to have money delivered to banking company accounts or, in some countries, for cash pick-me-up or as cellular telephone reloads.

Cost is where Xoom lags behind competitors. Xoom makes money from exchange rates, but it gives better rates for sending high amounts to certain countries. Transfers from one bank account to another are merely sometimes free. Overall, fees can be higher if you exercise a debit or credit card. (For many information, understand our Xoom review .)

MoneyGram: Quickest (tie down with Xoom)

Why it's our pick:

Fast transfers to bank accounts or as cash for pickup worldwide.

+ MoneyGram in a nutshell

MoneyGram commands a network of locations in more 200 countries and territories. Transfers between locations convey minutes for delivery every bit cash pickup, which is siamese to MoneyGram's important competitor, Western Union. Transfers dispatched online operating theatre by mobile phone to depository financial institution accounts in various countries take hours or a single business day; other providers can take several business years to transfer to bank accounts.

You'll wealthy person to pay fees. Average fees for sending $200 to $1,000 range from about $5 to $12 in the countries we surveyed. MoneyGram also marks sprouted the exchange rates up to 0.60%. For the countries we researched, the maximum amount you can station is about $10,000. (See our MoneyGram review .)

Southwestern Union: Best transfer options

Why information technology's our pick:

Extensive worldwide network of locations.
Many another shipway to send and deliver money.

+ Western Trades union in a nutshell

The biggest money transferee company worldwide, Western Union also has a sizable range of transfer options . On the provider's price reckoner tool online, you'll see more than a dozen combinations of sending channels, payment methods and delivery options. You can send money from the Western Conjugation website or its mobile app, and you john use a bank account, debit posting or credit calling card — or send from a nearby agent emplacemen using cash.

The transfer giant's physical mesh covers over 200 countries and territories and more than half a million locations globally.

Transfers are expensive — ace of the most expensive of the providers we looked at — and only some options include same-day or succeeding-day speech. Some online transfer options can take single business days for delivery. (Read our Midwestern Union review .)

Wise: Best for user-friendly sign-in the lead

Why information technology's our pick:

No foreign exchange charge per unit markups.
Consumer-friendly network experience from sign-upward to delivery.

Wise (formerly TransferWise) balances convenience and costs on its online and mobile money transfer platform. You can sign up with your Apple, Google or Facebook account, instead of a land site-taxonomic group login, and your convert rate is loosely guaranteed for leastways a day. Wise sends money from the U.S. to over 80 countries without an interchange rate markup — they do charge you an commutation rate tip, which pays for making the exchange bechance, simply in that respect's zero markup and they don't make money off this fee.

In most cases, you'll pay two fees: a flat dollar amount (the upfront fee), which increases with the amount you send, and the exchange bung, which is often inferior than 1% of the number you send away. From the U.S., delivery loosely takes some business years. (Read our Politic review ).

Methodological analysis FOR DOMESTIC TRANSFERS

To determine the best domestic transfer services, we examined the tailing features for 12 providers: fees, delivery bucket along of cash in or money to recipient's bank account, user reach (where transaction data were purchasable), sending sum of money limit and security measures. Priority went to those providers that offer none-cost transfers, have established histories and keep off senior high school security standards. We excluded single-bank P2P services since they normally boundary users to a given bank building.

Note: All transferral amount limits given presume users take in verified their identity American Samoa each app requires. On that point are also initial add up limits when first using the app.

Providers surveyed: Apple Pay , Cash App , Facebook Pay, Google Pay, MoneyGram , PayPal , PopMoney, Ria , Venmo , Walmart2Walmart , Western Trades union and Zelle .

METHODOLOGY FOR INTERNATIONAL TRANSFERS

We analyzed seven providers that work in the U.S., mostly focusing on major players in the international money transfer industry, settled on marketing research, experts, cost depth psychology and U.S. internet traffic.

Countries surveyed: Germany, India, Mexico and the Britain.

Fees and commute rate markups mentioned are based on the psychoanalysis linked at a lower place.