6 easy ways to Transfer money around the world

Thanks to Globalisation the whole world is travelling and while working abroad, everyone wants to send money back home and tries to research for the options and reviews. We are putting together reviews below and the advances of each service. We have shortlisted 5 services till yet and also providing the link to get joining bonus for each service.
First of all, the leader is Transferwise 

Pros:

• Trusthworthy
• world leader in money transfer
• can deliver money in couple of minutes once you have transferred to the same account couple of times
• competitive rates
• first transfer free when u use this link > http://bit.ly/2GCqchg
• Widest network and hence you can transfer from almost anywhere to anywhere in the world
• Available as an app on iOS & Android

Cons

• first transfer can take longer
• other services can give better rates at times. So, good idea to check other sites listed below

Orbitremit 

Pros:

• most of the time better transfer rates than Transferwise
• First transfer free using link > http://bit.ly/2SugrIT
• loyality benefits earn free transfer on 3 transfers (which makes the transfer cheaper)

Cons:

• Only available from UK, New Zealand and Australia to other countries
• stringent verification process

XendPay

Pros:

• You can decide your own transfer fee i.e. you have option to pay as low as ZERO transfer fee
• Guaranteed Exchange Rate
• Signing up using the referral link will enroll you to receive the promotional bonus ( 10 USD / Euros / GBP as joining bonus - refer my blog for details)
• link to join > http://bit.ly/2E7Lxxs

Cons:

• No instant transfer possible
• limits on daily and half yearly transfer limits which get raised on regular usage

Note: XendPay gives promotional gift cards to referred new customers. It normally 10USD/ Euros/GBP, based on their referral policy.
Remitly

Pros

• No fees on transfers over $1000 /1000 GBP / 1000 Euros
• Cash delivery options available
• Competitive price
• Special promo prices for first $1000 /1000 GBP / 1000 Euros if you join using link:  http://bit.ly/2SugHaP

Cons:

• Fee of $/£/ Euros 3.99 for transfers below $/£/Euros 1000
• Take 3 business days to transfer from your Bank account
• Instant deposit rates are not better than others
• 3% fee on Credit Card transactions
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation as it is required by the Law

Note: Remitly promotional value is adjusted in their first time transfer rate. You’ll have a much better rate for your first transfer which equates to approx. $/£/Euros 20 if you transfer $/£/Euros 2500.
Azimo

Pros:

• competitive rates
• Different options for money delivery
• Signing up using the referral link will enroll you to receive 10 GBP / 10 USD / 10 Euro Joining bonus (Zero fees for your first transfer, limits apply)
• link to get joining bonus: http://bit.ly/2MZwk4j

Cons:

• Heavy Credit Card Fees
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation)

Note: Azimo offers joining bonus to newly referred customers (terms & conditions change periodically).

TransferGo

Pros:

• Money-back guarantee
• Cash pickup available 
• Available as an app on iOS & Android
• Promotional rates available for new users periodically
• Free transfer and 20£/$/Euro for first time user if you join using link: https://my.transfergo.com/en/r/61qQub

Cons:

• Rate for instant bank transfers is too less compared to Azimo / Remity
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation )

Note: First time TransferGo users get free transaction

WorldRemit

Pros:

• Promotional rates available for new users periodically
• Covers almost the whole world
• Sometimes better rates than competitors
• 20£/ 25 $/ 25 Euro for first time user if you join using link here
• BONUS for the UK Users:
  • Join TopCashback
  • Join Worldremit
  • Open TopCashback
  • Seach for Worldremit and navigate to worldremit and then send money. You will get additional bonus of 15£ for sending money via Worldremit in your topcashback account. Along with 20 GBP bonus with Worldremit.

Cons:

• Rate for instant bank transfers is too less compared to Azimo / Remity
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation )

have fun sending money home!

transferwise referral code

Use TransferWise now to send money overseas at the best exchange rates.

When you consider the overall converted money received in your recipient’s account, TransferWise comes out very cheapest even after paying a small fee.

(The TransferWise coupon code to get your first transfer free is no longer active).

But that doesn’t mean you need to pay a lot for the fees (it ranges from 0.4-1.25% depending on which currency pair you’re converting).

To give you an idea, it’s 0.5ish % on your money transfers to India from the UK.

TransferWise is one of the cheapest and the best ways of transferring money to India (and a plenty of other currencies). It allows you to quickly and easily move money from one country to the other.

No wonder, it is from the people who created Skype and is backed by Sir Richard Branson.

Read my in-depth review of TransferWise where I have covered all the pros and cons of using it.

Aptly tagged as ‘Skype’ for your money transfers, you can expect a seamless experience on both the desktop and mobile apps.

How to Redeem TransferWise Free Transfer Coupon Code for 2018?

The first transfer free offer for TransferWise is no longer active but you can still send money for cheap!

As I mentioned the overall amount received by your recipient is what matters and TransferWise is pretty competitive even including the fee.

How to make low-cost transfers with TransferWise?

It’s easy and won’t take more than a couple of minutes!

You need to click your mouse once to head over to TransferWise.

That’s about it!

How you get access to low-cost transfers is pretty much the same as you did to redeem your first free transfer coupon code for TransferWise.

Just click on ‘here‘ button on the right which will automatically take you to TransferWise to initiate your first remittance.

 Go to TransferWise

The coupon code deal will automatically be applied ONLY if you are not an existing TransferWise customer. Don’t be disappointed, though!

You can use the TransferWise free transfer link with a new email address and sign up for a new account. But remember, TransferWise system is smart to identify you if you have already used a bank account or debit card to make payment for your first free transfer.

In that case, you could use your partner’s account to sign up and still get a credit (£50 for every 3 users you refer to TransferWise) – that pays for the free first transfer you used to get as a signup bonus. You can do that by referring your husband or wife and sign up using your link. 

My Experience with TransferWise: Review

I have been using TransferWise for over 4 years now when I stopped making money remittance with my bank and never regretted making the switch.

It’s been an amazing experience so far – TransferWise is one of the best when you compare the overall money received by your recipient in India (including fees charged). 

But I’ll be honest with you.

As I have mentioned earlier (more than once), before initiating any remittance to India, I do some shopping around once to see if I am still getting the best deal with TransferWise.

TransferWise ends up my way of sending money to India more than often!

Along with a great swift service, you get a service backed by great customer service and worry-free transfers that reach your recipient in no time.

You can sign up using this link now to make your first transfer completely hassle-free.

Even if you do not plan to use TransferWise in the long term yet, I can totally recommend you to give them a try first to see the mid-market rate they offer and transparent low-fee charges. You will save quite a lot of money and you also get to use a new trustworthy service for sending funds to India.

Don’t take my word for it – do your calculations and decide!

Simply go to the money transfer service you use (we need to talk if you use a bank!) and check how much money will actually be deposited to your recipient account in India.

Then go to TransferWise and see how much money will be transferred (they show you up-front how much money will be sent and it is correct to the decimals – not a paisa here or there). You need to send them money in your local currency in 24 hours – GB Pounds in the UK – and the rate you are shown is guaranteed!

 Get started with TransferWise now

Head over to the Deals section where I curate the best deals for money transfer services to find out the latest and the greatest deals that other remittance services offer.

Money Transfer guide

Hey All Important Information - Money Saving Hack - Should Read!!!
Sending money abroad is an art in itself .. learn the art ..sharing my experience and what all you can save..
What else to ask for, when its a dependable brand with trust value. Fast and Dependable service. Use below mentioned link to get a free transfer to any destination in world.
The best trick here is to use mix of all service as few services give you limited free transfers and limit on maximum transfer amount. What I learned in long run is to not create multiple profiles of same provider as it is not feasible and you end up loosing account. You need to be patient to check when currency rate is good and if urgent then this doesn't matter. Use the referral links to get money back offers or extra bucks on conversion or gift cards and to top all free conversion rate and no fee on transfer. So, if you want to send more than the limit of the transfer service than you can do that with multiple service providers and same time get rewards. Use my links to get most of this and , If you appreciate this information, again you can use my referral links. You will get referral offers and I will also get a token of appreciation from the service.
Summary of few good offers in order of goodies and rate of transfer:::

1. Worldremit  - Use promo code FREE and get free transfer. Also, get 20 $/€/£ as joining bonus
   • Special for people from UK -> avigate via TopCashback for additional cashback of 15£ to topcashback wallet
2. Transfergo - register with code 61qQub to get 20 £ or 23 € joining bonus and first free transfer 
3.  XendPay Gives best exchange rates and a good competitor of Worldremit and Transfer wise.  10 £ / € / $ JOINING BONUS
4. ORBIT REMIT  - Great transfer rates, first transfer free  - UK, Australia and New Zealand residents ONLY
5. Transferwise
   • Signing up using the referral link will enroll you to receive the promotional bonus (Zero fees for your first transfer, limits apply)
   • Price Match Guarantee
6. Remitly - Special rates for first 1000 £ / € / $ as a joining bonus. Quick transfers. Competitive rates.
   • Limited countries supported
7. Azimo – UK / EU only - get 10 £ or 10 € joining bonus and first free transfer 
8. Rewire 10 Euro off on first transaction + zero transaction fee upto 2000 Euros

• Get free master card which you can use anywhere in Europe
• First free transaction of upto 2000 eurors
• joining discount of 10 euros on first transaction. If you join using the link.

9. MoneyGram: navigate via TopCashback for additional cashback of 15£ to topcashback wallet
10. WesternUnion: navigate via Quidco for additional cashback of 20£ credited in your quidco wallet
11. Remit2India - good transfer rates to INDIA only
Details on each service:

1. Worldremit  - Use promo code FREE and get free transfer. Also, get 20 $/€/£ as joining bonus

Pros:

1. • With a global base of more than 120 countries, WorldRemit offers the following fast transfer options:
     • Cash pickup. Money is available for collection instantly from WorldRemit agent locations around the world.
     • Bank deposit. Instant transfers are only available to selected banks in selected countries.
     • Airtime top-up. Mobile airtime top-ups are usually added instantly.
     • Mobile money. Funds are added to the recipient’s Mobile Money account instantly.
   • If you join with referral link: Worldremit  you get 20 Dollar/GBP/USD coupon after 1 week of money transfer

Note: Special for people from UK -> Navigate via TopCashback (referral link: http://bit.ly/2Duf4jc )  for additional cashback of 15£ to topcashback wallet
Cons: 

1. • • Transfer rates at time are not as good as other options listed below

2. Transfergo - register with code 61qQub to get 10 £ or 10 € joining bonus and first free transfer.
Pros:

1. • Money-back guarantee
   • Cash pickup available in India
   • Available as an app on iOS & Android
   • Promotional rates available for new users periodically

Cons:

1. • Time for instant bank transfers is too less compared to Worldremit / Azimo / Remity
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation )

Note: First time TransferGo users get free transaction using the link https://my.transfergo.com/en/r/61qQub and referral code 61qQub

3. XendPay Gives best exchange rates and a good competitor of Worldremit and Transfer wise.  10 £ / € / $ JOINING BONUS
Pros:

1. • Decide your own transfer rate
   • Guaranteed Exchange Rate
   • Supports transfers to NRE & NRO accounts (in India)
   • Signing up using the referral link will enroll you to receive the promotional bonus ( 10 USD / Euros / GBP as joining bonus. Link=> http://bit.ly/2E7Lxxs )

Cons:

1. • Instant service not available
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation)

Note: XendPay gives promotional gift cards to referred new customers. It normally 10USD/ Euros/GBP, based on their referral policy.

4. Transferwise

Pros:

1. • Current mid-market exchange rate, as you can see on XE .com
   • Customers have transferred $4.5bn using the platform
   • Price Match Guarantee
   • Available as an app on iOS & Android
   • Signing up using the referral link  http://bit.ly/2GCqchg will enroll you to receive the promotional bonus (Zero fees for your first transfer, limits apply)

Cons:

1. • No transfers are free.
   • You are always charged a 0.9% of your total transfer amount, which brings down the effective transfer rate
   • The transfer takes about 3 days and for some new customers it can take upto 5 days, however your committed rate remains same as of the transaction date
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation as it is required by the US Law)

Note: TransferWise gives promotional benefits to referred new customers. Your first transfer fee is waived off (transfer limits apply).

5. ORBIT REMIT

Pros:

• Great transfer rates
• first transfer free

Cons:

• UK, Australia and New Zealand residents ONLY

Note: join using the link for special transfer rates http://bit.ly/2SugrIT

•  

6.Azimo – UK / EU only - get 10 £ or 10 € joining bonus and first free transfer 
Pros:

• Signing up using the referral link will enroll you to receive 10 GBP / 10 USD / 10 Euro Joining bonus (Zero fees for your first transfer, limits apply) => http://bit.ly/2MZwk4j

Cons:

• Heavy Credit Card Fees
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation)

Note: Azimo offers joining bonus to newly referred customers (terms & conditions change periodically).

7.Remitly - Special rates for first 1000 £ / € / $ as a joining bonus. Quick transfers. Competitive rates.
Pros:

• No fees on transfers over $1000 /1000 GBP / 1000 Euros

Cons:

• • Fee of $/£/ Euros 3.99 for transfers below $/£/Euros 1000
  • Take 3 business days to transfer from your Bank account
  • Instant deposit rates are not better than others
  • 3% fee on Credit Card transactions
  • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation as it is required by the Law
  • Limited countries supported

Note: Remitly promotional value is adjusted in their first time transfer rate. You’ll have a much better rate for your first transfer which equates to approx. $/£/Euros 20 if you transfer $/£/Euros 2500. LINK: http://bit.ly/2SugHaP
8. MoneyGram: navigate via TopCashback for additional cashback of 15£ to topcashback wallet
9. WesternUnion: navigate via Quidco for additional cashback of 20£ credited in your quidco wallet
10. Remit2India

good transfer rates to INDIA only

• Link : https://goo.gl/HxrMsz
• Special rates for initial transfer
• Offers : 500Rs joining bonus
• Global support
• Time : Within 1 day

11. Rewire10 Euro off on first transaction + zero transaction fee upto 2000 Euros
Pros:

• GREAT feature: Get free master card which you can use anywhere in Europe.
• First free transaction of upto 2000 eurors
• joining discount of 10 euros on first transaction. If you join using the link => https://app.rewire.to/signup/?code=VLHU

Cons:

• UK not supported

In the end.. I will say..
Viewing and comparing is good, but make sure there is no favoritism shown for any particular service or site. The easy way to catch them is over hyped transfer rates and always shown on top for conversion rates. My point is to not hurry things and see patiently. It's better to loose few pennies on researching time than to loose a big amount paying in transaction or conversion.
Banks are never good option as they charge heavily on transfer and conversion. Their wire service is a total rip off. For a few thousand dollars, services from banks with big brands will loot you completely. They usually charge a 'Service Tax' mandated by the Bank Regularities, which is the minimum charge you will pay for
Forex money transfer ( but this minimum nowadays turns out to be maximum and you end up loosing 10 to 15 % in commissions ). Many Forex transfer service providers will add their own service fees to the transaction or remittances but due to competition all over this has been reduced to great extent.
Also in this app world all services are available on just touch of your finger. XOOM app is easy and convenient to use, try it for experience. Try it for faster convenient service and you can initiate transfers to saved list of recipients anytime convenient for you.
In the time of technology certain online apps help to transfer money instantly, but they are limited to smaller transactions and are prone to security threats.
Things are changing on daily basis and its expected that as new services will come, biggies like western union and money gram will loose market as they charge more, and are only convenient for bigger/larger amount transfers with one time transaction as they have no limits ( but their commission is painful aspect, which is very well avoidable ). I will keep adding changes and discovery to this post. Till Then Enjoy..
Also read my blogs for more info and coupons:
Money Transfer Guide
&
Transfer Money Abroad guide