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Affordable money transfer services for regular people

Are you looking for the best and cheapest way to send and receive money? Well, we got you covered. Here is a look at the best money transfer services for everyday people!



Citpay is a very convenient payment service provider that offers a number of payment methods that you can try. allows you to make wire transfers, local bank transfers, and fund any card. Plus, you can receive payments from local ACH and SEPA to your account. 


One of the most popular online payment methods is PayPal. Most online merchants use PayPal as a payment option for their products and services because it is easy and convenient to set up. It is free to make if you just want to link a checking account to your PayPal or make personal payments from your PayPal account, but business PayPal accounts will require a fee. 


Xoom is a second app made by PayPal that was specially made for sending money abroad. It is an excellent option if you regularly send money to family or friends overseas. You can also use Xoom to transfer money to a bank account in a different country, pay international bills, reload a mobile phone abroad, and send cash for delivery or pickup in different countries.

Cash App

Cash App is a person-to-person payment service where you can instantly send funds to a person using a mobile app. It does not cost anything to use Cash App. The receiver and sender both have to get Cash Apps accounts. You can link your Cash App account to your debit card/checking account. You can also have funds (such as your paycheck) deposited directly into the Cash App account. 


PayPal also owns Venmo, and Venmo allows you to pull cash from your debit card or bank account for free. Venmo also allows you to pay out any balance stored in your Venmo account for free. However, you will have to pay a 3% fee if you use a credit card to fund a payment with your Venmo account. 

The Venmo app was specifically designed to split expenses such as rent and meals conveniently, making it great for young people who share housing costs with their roommates. You can add messages to your payments so your friends and roommates know which payment is for what. Your employer can also deposit paychecks directly into your Venmo account. 


TransferWise is one of the cheapest ways to send money abroad. TransferWise tries its best to match the exchange rate. The payments that are sent with a credit or debit card are usually instant.  If a transfer is going from a bank account into another bank account, it can take 1-2 business days. Keep in mind the larger your payment, the larger the fee will become. TransferWise can also take longer to transfer larger payments.

There are many money transfer services that are convenient for people to use that will not charge you crazy rates. You can compare the rates above and see which payment method will best suit your needs.