International card-to-card cash transfer platforms

If you want to send an international cash gift that goes directly into the recipient’s existing debit card account, I’d start with Remitly or Western Union.

The important distinction is that the money usually goes into the bank account linked to the recipient’s card, rather than being stored on the physical card. Availability depends on the recipient’s country, bank, and card network.www.remitly.com+1

Best platforms to consider

1. Remitly — Best overall starting point

(Top pick)

Supports Visa and Mastercard debit-card deposits in eligible countries. You can choose the transfer speed and see the applicable fee before sending.www.remitly.com+1

Best for: a straightforward gift to family or friends.

Visit Remitly

2. Western Union — Best for eligible Visa cards

Its Visa Direct option lets you send using the recipient's Visa debit card number. Western Union currently lists this option for the Philippines, Jamaica, Thailand, Colombia, and El Salvador when sending from the US. Delivery can take as little as 30 minutes, but isn't guaranteed.www.westernunion.com

Best for: recipients in one of its supported countries.

Visit Western Union

3. Xoom — Best if you already use PayPal

Offers transfers to debit cards, bank accounts, and mobile wallets in supported destinations. The recipient generally doesn't need a Xoom or PayPal account. Available delivery methods depend on the destination.help.xoom.com+1

Best for: convenient transfers with multiple delivery options.

Visit Xoom

Which one is best for your gift?

I can narrow this down to the best option with the lowest fee and fastest delivery. Which country is the recipient in, and is their card Visa or Mastercard?

Those two details matter because a platform that deposits directly to a card in one country may only offer bank transfers or cash pickup in another.

Several international money transfer apps allow you to send money directly to a recipient's debit or credit card (often utilizing Visa Direct or Mastercard Send rails). Instead of needing full international bank routing details (like IBAN or SWIFT), you generally just need the 16-digit card number.[myanmar.visa.com](https://myanmar.visa.com/pay-with-visa/featured-technologies/visa-direct.html)

The primary apps supporting direct-to-card international transfers include:

• Paysend : A prominent platform built heavily around card-to-card transfers. It allows you to send money internationally from a debit/credit card directly to eligible Visa and Mastercard debit or credit cards across over 170 countries, with transfers usually processing within minutes.
• TransferGo : This service lets you push funds directly to a recipient's debit or credit card in supported destination countries, typically subject to specific per-transaction limits.
• Remitly : Remitly supports direct transfers straight to eligible Visa debit cards in select international corridors by entering the 16-digit card number.
• Skrill : Skrill's digital wallet and money transfer service allows direct-to-card sending for supported countries and card networks.
• Western Union : Through its integration with Visa Direct , Western Union allows direct-to-card deposits on eligible Visa debit cards for specific destination countries (such as the Philippines, Thailand, Jamaica, Colombia, and El Salvador).[myanmar.visa.com](https://www.westernunion.com/us/en/visa-direct.html)

Note: Direct-to-card availability depends heavily on the recipient’s issuing bank and country regulations. While many accept debit cards, direct transfers to true credit cards (as opposed to prepaid or debit cards) are restricted or limited by most platforms due to cash-advance rules. [myanmar.visa.com](https://paysend.com/en-us/visa)

If you can share the destination country and whether the card is a Visa or Mastercard , I can help verify which of these apps has the lowest fees for your specific corridor.