Introduction: Sending and Investing Across Borders Has Never Been Easier
In today’s global economy, millions of people send money across borders every day — for family support, business, or relocation. But in 2025, the best international money transfer apps are doing more than just sending funds — they’re helping users invest, save, and build wealth globally.
Whether you’re an expat sending money home, a freelancer getting paid from abroad, or a traveler looking to grow your savings while moving funds, there’s a new generation of fintech platforms combining remittance + investment tools in one app.
This guide explores the best international money transfer apps with investment options in 2025, comparing their features, fees, exchange rates, and global coverage — so you can choose the right platform to move and grow your money.
Target Keywords (SEO Focus)
(Integrated naturally throughout the post)
- international money transfer apps 2025
- best remittance apps for expats
- send money and invest app
- global fintech investment platforms
- invest while sending money
- money transfer with investment option
- cross-border investing apps
Why Money Transfer Apps Now Include Investment Features
Traditional remittance platforms like Western Union and MoneyGram focused solely on speed and reliability. But as users demanded more financial empowerment, fintech startups began merging money transfer with digital investing.
Here’s why that matters in 2025:
- Higher User Retention:
When users can save, invest, and transfer in one place, they’re less likely to switch apps. - Cross-Border Wealth Creation:
Expats and freelancers can now invest directly from remitted funds — in ETFs, mutual funds, or crypto portfolios. - Emerging Market Growth:
Platforms like Revolut, Wise, and Remitly now tailor their products to countries in Africa, Asia, and Latin America, where cross-border investing is booming. - AI-Driven Portfolios:
New fintech platforms offer AI-managed micro-investments, automatically growing users’ remittance savings.
Top 5 International Money Transfer Apps with Investment Options (2025)
Let’s compare the best fintech platforms that allow you to transfer and invest globally.
1. Revolut — Best All-in-One App for Transfers and Investing
Overview:
Revolut has evolved from a simple currency exchange app into one of the world’s most powerful global financial super-apps. Operating in over 200 countries, Revolut lets users send money internationally, trade stocks and ETFs, buy crypto, and even earn interest on deposits.
Key Features:
- Send money to 150+ countries in 30+ currencies
- Invest in U.S. and global stocks, ETFs, and crypto
- Offers “Vaults” for automated savings and micro-investing
- Instant currency conversion at interbank rates
- Metal plan adds cashbacks and premium investment analytics
Fees:
- Free international transfers within your plan limit
- 0.25%–0.5% markup for out-of-plan transfers
- 0.12% stock trading commission
Ideal For:
Expats, digital nomads, and freelancers who want banking + investment + transfer in one app.
Pros:
✅ Unified wallet for banking, investing, and transfers
✅ Fast international remittances
✅ Supports fractional shares
✅ Works in both developed and emerging markets
Cons:
❌ Limited customer service in some regions
❌ Premium investment features require paid plan
SEO Angle:
Ranks highly for “international money transfer and investing app” and “send and invest globally with Revolut.”
2. Wise (formerly TransferWise) — Best for Low Fees and Transparent Rates
Overview:
Wise remains one of the most cost-efficient money transfer platforms globally. In 2025, Wise expanded beyond transfers into multi-currency investing, offering users a way to hold, convert, and grow their money with minimal fees.
Key Features:
- Send money to 170+ countries
- Real mid-market exchange rate — no hidden markups
- Wise Assets feature allows investing directly from balance
- Hold and spend in 40+ currencies
- Integration with bank accounts and debit cards
Investment Options:
- Invest in BlackRock ETFs for low-risk, long-term growth
- Automatic reinvestment of returns
Fees:
- 0.35% average transfer fee
- 0.55% annual management fee on Wise Assets
Ideal For:
Expats, professionals, and small business owners focused on low-cost global transfers with stable, conservative investments.
Pros:
✅ Cheapest exchange rates in fintech
✅ FCA-regulated investment products
✅ Simple interface
✅ Instant transfers between Wise accounts
Cons:
❌ Limited investment variety (no stocks or crypto yet)
❌ Not all countries support Wise Assets
SEO Tip:
This app dominates searches for “best low-cost international money transfer app” — a great phrase to target for fintech advertisers.
3. Payoneer — Best for Global Freelancers and Businesses
Overview:
Payoneer is the go-to solution for global freelancers, eCommerce sellers, and digital entrepreneurs. It enables users to receive international payments, withdraw locally, and invest through integrated partners.
Key Features:
- Receive payments from global clients or marketplaces (e.g., Upwork, Amazon, Fiverr)
- Hold multi-currency balances in USD, EUR, GBP, and more
- Integrated partnerships for micro-investing and savings
- Supports payments to 190+ countries
Investment Integration (2025 Update):
Through Payoneer’s partnership with selected fintech investment platforms, users can allocate part of their earnings to ETF portfolios or savings plans directly from their Payoneer wallet.
Fees:
- 1% withdrawal fee
- 0–2% currency conversion fees depending on location
Ideal For:
Freelancers, agencies, and cross-border professionals who want to receive, manage, and grow earnings in one ecosystem.
Pros:
✅ Direct integration with global marketplaces
✅ Easy business account setup
✅ Optional investment connections for passive income
✅ 24/7 multilingual support
Cons:
❌ Not designed for everyday remittance users
❌ Investment options vary by region
Example Scenario:
A Filipino freelancer receives $1,200 via Payoneer from a U.S. client, transfers $800 home in pesos, and invests the remaining $400 in an ETF plan within the same dashboard — all within minutes.
Comparative Table: Top Money Transfer + Investment Apps (2025)
| App | Supported Countries | Transfer Fees | Investment Options | Best For | Regulation |
|---|---|---|---|---|---|
| Revolut | 200+ | 0–0.5% | Stocks, ETFs, Crypto | All-in-one finance users | FCA, EU, MAS |
| Wise | 170+ | 0.35% avg. | ETFs via Wise Assets | Cost-conscious investors | FCA, SEC |
| Payoneer | 190+ | 1% avg. | ETFs & savings (partnered) | Freelancers & SMEs | FinCEN, FCA |
| Remitly | 150+ | 1–3% | Mutual funds (pilot markets) | Family remittances + investing | CFPB, MAS |
| Xoom (PayPal) | 130+ | 2–4% | Crypto & stock ETFs (PayPal Invest) | PayPal users & casual investors | SEC, FINRA |
4. Remitly — Best for Family Transfers with Investment Add-Ons
Overview:
Remitly is traditionally known for fast remittances to developing countries, but in 2025, it launched an investment feature allowing senders to allocate a portion of their transfer toward savings or investment funds in the recipient’s country.
Key Features:
- Transfers to 150+ destinations
- Delivery options: bank deposit, mobile wallet, or cash pickup
- “Save As You Send” investing for micro portfolios
- Tiered loyalty system for repeat users
Fees:
- 1–3% depending on corridor
- $0 for same-country transfers
Ideal For:
Expats sending money to family but also wanting to support long-term financial growth at home.
Pros:
✅ Combines remittance and savings
✅ Good coverage in Africa and Asia
✅ Fast delivery times (minutes to hours)
✅ Multi-lingual support
Cons:
❌ Limited to partner investment funds
❌ No stock or ETF investing yet.
6. Revolut — Multi-Currency Transfers + Fractional Investing
Best For: Expats, digital nomads, and frequent travelers.
Headquarters: London, U.K.
App Platforms: iOS, Android, Web
Revolut has evolved far beyond a standard remittance app — it’s now a complete financial ecosystem offering global transfers, multi-currency wallets, and in-app investing. Users can buy stocks, ETFs, and even cryptocurrencies directly within the Revolut app, making it a one-stop solution for those who send money abroad and want to grow wealth on the go.
Key Features:
- Free international transfers between Revolut users
- Real exchange rates (no markup) on currency conversions
- Investment options: U.S. stocks, ETFs, and crypto
- Metal card users get cashback and airport lounge access
Sample Fees (2025 Update):
| Service | Fee |
|---|---|
| USD to EUR transfer | Free (within monthly allowance) |
| Stock trades | $0 (limited per month) |
| Crypto trades | 1.5% per transaction |
Why It’s Great for Expats:
Revolut’s instant transfer and investment flexibility make it perfect for expats managing income in multiple currencies while maintaining exposure to U.S. markets.
7. Wise (formerly TransferWise) — Transparent Fees, Smart Investing
Best For: Cost-conscious users who value transparency.
Headquarters: London, U.K.
App Platforms: iOS, Android, Web
Wise is the gold standard for affordable international transfers — and in 2025, they’ve expanded into Wise Assets, a feature that lets users invest spare cash in index funds while maintaining instant access for transfers.
Key Features:
- Lowest exchange rate markup in the industry (0.35–0.45%)
- Wise Assets: Invest in diversified index portfolios
- Multi-currency balance: Hold and send over 40 currencies
- Regulated in multiple countries
Sample Fees (2025):
| Transfer Type | Average Fee |
|---|---|
| USD → GBP | 0.39% |
| USD → INR | 0.45% |
| USD → EUR | 0.35% |
Why It’s Great for Global Professionals:
With no hidden fees, borderless accounts, and passive investing tools, Wise is perfect for digital nomads and freelancers who want their funds to grow while staying liquid.
8. Remitly — Transfers with Savings Options
Best For: Remittances to developing countries.
Headquarters: Seattle, USA.
App Platforms: iOS, Android, Web
Remitly remains one of the most popular remittance apps for immigrants, offering fast, low-cost transfers to Africa, Asia, and Latin America. What’s new in 2025 is Remitly Save, an integrated savings feature that allows users to earn interest or invest small portions of their remittance funds in low-risk assets.
Key Features:
- Instant transfers to 170+ countries
- Optional savings and micro-investing tools
- Competitive exchange rates and express delivery options
Sample Fees (USD to INR, 2025):
| Transfer Speed | Fee | Arrival Time |
|---|---|---|
| Economy | $0.99 | 3–5 business days |
| Express | $3.99 | Within minutes |
Why It’s Great for New Immigrants:
Remitly’s simple interface, low fees, and financial literacy tools make it ideal for new immigrants supporting families abroad.
9. Skrill — Transfer + Crypto Investing
Best For: Users interested in crypto and digital wallets.
Headquarters: London, U.K.
App Platforms: iOS, Android, Web
Skrill started as a payment processor but has transformed into a multi-service financial app that includes money transfers, prepaid cards, and cryptocurrency investing. Its global presence and partnerships with online brokers make it attractive for users who want both remittance flexibility and speculative investment options.
Key Features:
- Instant global transfers
- Crypto buying/selling directly in-app
- Low foreign exchange fees
- Supports 120+ countries
Sample Fees (2025):
| Type | Fee |
|---|---|
| International transfer | 1.45% |
| Crypto trading | 1.5%–3% |
Why It’s Great for Tech-Savvy Expats:
Skrill appeals to digital-first users who manage income, transfers, and crypto investments all from one platform.
10. OFX — High-Value Transfers + Investment Potential
Best For: High-income professionals and expats with large transfers.
Headquarters: Sydney, Australia.
App Platforms: iOS, Android, Web
OFX specializes in large money transfers (over $5,000) and now partners with investment advisors to help expats invest their international earnings efficiently. Its no-transfer-fee model and personal account managers make it ideal for those managing wealth across borders.
Key Features:
- No transfer fees
- Dedicated currency specialists
- Integrated wealth management guidance
- Business and personal accounts
Sample Fees (2025):
| Service | Fee |
|---|---|
| USD to AUD | 0.4% margin |
| USD to GBP | 0.5% margin |
Why It’s Great for Investors Abroad:
OFX combines institutional-level FX services with personalized investment support, ideal for entrepreneurs and expats building long-term portfolios.
Comparison Table: Best International Transfer + Investment Apps (2025)
| App | Key Feature | Transfer Fee | Investment Option | Ideal For |
|---|---|---|---|---|
| Wise | Transparent fees | 0.35–0.45% | Index funds (Wise Assets) | Freelancers, travelers |
| Revolut | Multi-currency + stocks | Free (limits apply) | Stocks, ETFs, crypto | Expats, remote workers |
| Remitly | Fast transfers | $0.99–$3.99 | Savings feature | Immigrants |
| Skrill | Digital wallet | 1.45% | Crypto | Crypto users |
| OFX | Large transfers | 0.4%–0.5% | Investment partnerships | High-value expats |
How to Choose the Right App for You
When selecting the best international money transfer app with investment features, consider the following:
- Transfer Volume – Apps like OFX and Wise suit large, frequent transfers.
- Destination Country – Remitly specializes in developing markets, while Revolut and Wise excel in major economies.
- Investment Style – Choose between passive index funds (Wise), fractional stocks (Revolut), or crypto (Skrill).
- Regulatory Coverage – Ensure the app is licensed and insured in your country of residence.
- Integration – Some apps integrate with banks or brokers, streamlining transfers and investments.
Sample Cost Calculator (2025 Estimates)
| Transfer Amount | Wise (USD → GBP) | Revolut (USD → EUR) | OFX (USD → AUD) |
|---|---|---|---|
| $1,000 | $4.50 fee | Free | $5.00 margin |
| $5,000 | $17.50 fee | Free | $25.00 margin |
| $10,000 | $35.00 fee | $0 | $50.00 margin |
(Estimates based on mid-market rates as of Q4 2025. Fees may vary by region.)
SEO-Optimized FAQs
1. Which is the best international money transfer app with investment options in 2025?
Wise and Revolut lead in 2025 for combining low-cost transfers with investment tools. Wise offers index fund access, while Revolut allows stock and crypto trading.
2. Can I invest directly using my remittance app?
Yes. Many platforms, like Revolut, Wise, and Skrill, now include built-in investment features for stocks, ETFs, or crypto.
3. Are money transfer apps safe for investing?
Reputable apps like Wise and Revolut are regulated by financial authorities in the U.S., U.K., and EU, offering segregated client funds and security encryption.
4. Which app has the lowest transfer fees in 2025?
Wise continues to lead with fees under 0.5% for most major currency routes.
5. Can non-residents open accounts on these apps?
Yes. Non-residents can open accounts with Wise, Revolut, and OFX, but investment features may vary depending on local regulations.
Conclusion: The Future of Global Money and Investment
The era of using separate platforms for sending and investing money is ending. In 2025, apps like Wise, Revolut, Remitly, Skrill, and OFX are reshaping financial inclusion by merging cross-border payments and investment opportunities into seamless, mobile-first ecosystems.
For expats, freelancers, and global citizens, these tools are more than conveniences — they’re gateways to financial growth, flexibility, and freedom in a borderless economy.
Leave a Reply