9 Best Currency Exchange Apps of 2026

Wise ranks first because its pricing is the easiest to check: it converts at the mid-market rate, the same one shown on Google, and adds a separate fee that starts at 0.23% depending on the currency. There is no subscription. A free account holds money in many currencies, gives you account details to receive payments in 22 currencies, and the Multi-Currency Card spends in 40+ currencies. The physical card costs 9 USD once, while the digital card is free. Travelers get 250 USD of fee-free ATM withdrawals each calendar month; after that Wise charges 1.95 USD plus 1.95% per withdrawal, and ATM operators may add their own fees. Wise says more than 18.9 million people use it to send money abroad. The weak spots are small: card ordering and replacement fees, the 2% fee for topping up some e-wallets, and an ATM allowance that heavy cash users will exhaust quickly.

Revolut is the runner-up and the better pick for people who travel often enough to pay for a plan. The Standard plan costs $0.00 a month and includes currency exchange up to $1,000 a month, but it adds a 1% fee to exchanges made outside foreign-exchange market hours, from 5:00pm Friday to 6:00pm Sunday Eastern Time. Premium at $9.99 a month raises the exchange limit to $10,000 and drops the weekend fee; Metal at $16.99 makes exchange limits unlimited and adds travel medical insurance plus delayed flight and lost luggage cover. Premium and Metal also allow fee-free out-of-network ATM withdrawals up to $800 and $1,200 per rolling month, then 2%. The app also bundles savings, from 3.5% APY to 4% APY depending on plan, and linked accounts for kids aged 6 to 17. The trade-off is plan complexity: limits, fair usage rules and cancellation fees all depend on which tier you pay for.

Xe is best known for its currency converter, and the app keeps that at the center: live rates, historical data and rate alerts that notify you when a target rate is reached. The same app sends money to over 190 countries in 130+ currencies, with delivery to bank accounts, mobile wallets in 35+ countries or cash pickup at 500,000+ locations. Xe says fees start at $0 and depend on the payment method, transfer amount and destination; card payments are fastest but cost more, while direct debit (ACH) is the cheapest way to pay and wires suit larger sums. Rates and fees are shown before you confirm. New customers get a special rate on their first 3 transfers. Xe is part of Euronet Worldwide (NASDAQ: EEFT). What it lacks for travelers is a card: you cannot hold balances and spend abroad the way you can with Wise or Revolut.

Remitly is built for sending money home rather than for travel spending, and it does that job with a clear promise: transfers are delivered on time or Remitly refunds your fees. Sending from the US to Mexico, for example, comes with a low flat fee for bank deposit and mobile wallet transfers no matter how much you send, plus cash pickup at partners such as Elektra, BanCoppel, OXXO and Walmart. New customers get a promotional exchange rate on the first 1,000.00 USD. You can also start transfers by chatting on WhatsApp from 18 countries to more than 40 destinations. Remitly shows a 4.9-star App Store rating from 4.5M+ ratings across countries. The downside for comparison shoppers is that Remitly does not publish a fee table on its US pricing page; the fee and rate appear when you enter an amount and route, so we could not verify a starting price.

OFX fits buyers moving a large amount once rather than travelers spending small sums. Its US personal page shows a sample $10,000 USD to EUR transfer with an OFX fee of $0.00, so the cost sits in the exchange rate it quotes. What sets OFX apart is the toolkit for timing a conversion: spot transfers at today's rate, forward contracts that fix a future rate for up to 12 months, limit orders that execute at a target rate, and scheduled regular payments. It sends in 50+ currencies to more than 180 countries and offers support by phone or email around the clock. OFX says more than 1 million customers have used it and that it is regulated by FinCEN and state regulators in the US. New customers get an introductory rate across 7 currencies on their first personal transfer booked online. There is no card, and intermediary banks may still deduct fees.

Western Union is the option when the person receiving money needs cash in hand. It sends to 200+ countries and territories and lists 600,000 agent locations worldwide, plus bank account and mobile wallet delivery. New online customers get a 0 USD transfer fee on their first online transfer, though the offer excludes Quick Collect, transfers within the United States, credit cards and Google Play. After that, fees and exchange rates are shown when you enter a transfer, and Western Union states that it makes money from currency exchange, so compare the rate as well as the fee. The rewards program gives 100 points per online transfer, and 500 points are worth up to 2 USD off transfer fees. If you pay by credit card, your card issuer may add a cash advance fee and interest. For travelers who want to hold currencies or spend by card, Western Union offers less than Wise or Revolut.

Xoom is PayPal's international transfer service, and its main advantage is convenience for people who already use PayPal: you can log in with PayPal credentials and fund a transfer from your PayPal balance, a bank account, or a credit or debit card. It delivers to bank accounts, debit cards, mobile wallets including UPI and PIX, and cash pickup points, and it also reloads phones and pays bills abroad. On the Mexico route, Xoom says bank deposits are typically available within 15 minutes during bank processing hours. Xoom also states that its transfers are not subject to the 1% US remittance tax that took effect on January 1, 2026, because it does not accept cash or the affected payment methods. The catch is pricing visibility: fees vary by country and options, and Xoom also earns on the currency conversion, so you need to run the fee calculator for each transfer. We could not verify a starting fee from a public page.

WorldRemit focuses on remittances to countries where mobile money and cash pickup matter as much as bank accounts, with popular routes such as Ghana, Nigeria and the Philippines. From the US its app sends to over 130 countries, and depending on the route you can choose bank transfer, cash pickup, mobile money or airtime top up, which WorldRemit says carries no extra fees. You can pay by bank deposit, debit card or credit card, and WorldRemit notes that debit cards are cheaper than credit cards, whose issuers may charge an advance fee. Fees and rates are shown before you confirm, and WorldRemit claims to be on average 46% cheaper than most banks, a figure we could not check independently. Its US fee page did not load when we checked, so we list its price as pending. It covers fewer destinations than Xe or Western Union and offers nothing for travel spending.

MoneyGram suits senders who prefer to walk into a store and pay cash, with partners in more than 200 countries and territories and money transfers available at Walmart. You can also send in the app or online and track a transfer from start to finish, and the app adds bill pay. MoneyGram says it has 50+ million customers and shows a 4.9-star App Store rating from 650K+ total reviews. Pricing is its weak point for comparison shoppers: MoneyGram says rates and fees on its site are for illustrative purposes only, that fees and exchange rates vary with the transfer amount, payment type, delivery method and pickup location, and that it makes money from currency exchange. That means you should compare the total received amount, not only the fee, against Xe or Remitly for the same route. Like the other remittance services here, it has no multi-currency balance or travel card.