Best for Maximum Global Reach (200+ Countries/Territories)
Coverage: Over 200 countries and territories.
Why choose it: It boasts the largest physical and digital network in the world. If your recipient is in a remote area or lacks a bank account, Western Union’s massive cash pickup network makes it unmatched.
Remitly — Best for Remittances & Mobile Wallets (170+ Countries)
Coverage: Supports sending to 170+ countries and over 100 currencies.
Why choose it: Heavily optimized for sending support to family abroad via bank deposit, mobile wallet, or cash pickup. They offer tiered speeds (Express vs. Economy) with promotional rates for first-time users.
OFX — Best for Large Transfers with No Flat Fees (170+ Countries)
Coverage: Over 170 countries.
Why choose it: OFX does not charge flat transfer fees regardless of the amount sent, making it great for large transfers (like buying property or moving significant savings). They also provide 24/7 phone support.
Wise — Best for Real Exchange Rates (160+ Countries)
Coverage: Around 160+ countries.
Why choose it: While its country count is slightly lower than Western Union, Wise uses the real mid-market exchange rate with transparent upfront fees, making it consistently the cheapest option for standard currency conversion.
If your top priority is sending money to the largest possible number of countries, my recommendation is Western Union. It supports transfers to more than 200 countries and territories and offers a large network of physical cash-pickup locations, making it particularly useful when recipients don't have bank accounts.
However, the best service depends on whether you care most about geographic reach, low fees, or the ability to send money directly to a bank account.
Best international money transfer services
1. Western Union — Best overall for global reach
(Top pick)
200+ countries and territories
Cash pickup, bank deposits and mobile wallets in supported destinations.
Extensive physical agent network.
Downside: Exchange-rate markups and transfer fees can make it expensive.
Important: The number of advertised destination countries isn't the whole story. Some services support receiving money in a country but don't let you send from the United States to every available destination or offer every payout method there.
I can narrow it down to the best option for you
One question: Are you sending money from the United States, and do you need to cover literally as many countries as possible—including smaller or less commonly supported countries? If so, I can compare the actual destination lists and costs of the leading services for your use case.
