Receiving money from abroad has become more convenient, secure, and faster than ever before, thanks to a range of digital apps and online platforms. If you’re wondering which app and platforms can I use to receive money from abroad, this detailed guide explores the best options available globally. Whether you’re a freelancer, a small business owner, or someone simply receiving support from family overseas, understanding which app and platforms can I use to receive money from abroad is critical for ensuring you get your funds quickly, safely, and affordably.
This article will explain which app and platforms can I use to receive money from abroad, highlight their key features, benefits, and limitations, and help you make the most informed choice for your situation.
Explanation Of Receiving Money From Abroad
To fully grasp which app and platforms can I use to receive money from abroad, you first need to understand how cross-border money transfers work. Typically, when someone sends you money from abroad, the transaction passes through a network of banks or third-party financial institutions. These services convert the currency, charge a fee (sometimes hidden in the exchange rate), and deposit the funds into your account, app wallet, or offer cash pickup.
Choosing the right platform when asking which app and platforms can I use to receive money from abroad depends on multiple factors, including cost, speed, convenience, security, and the countries involved. Many apps today simplify this complex process by offering user-friendly interfaces, minimal fees, and various payout options.
Wise (Formerly TransferWise)
Wise is one of the top answers to the question of which app and platforms can I use to receive money from abroad. It is popular for its transparent exchange rates and low fees. With Wise, money sent from abroad goes directly into your local bank account or Wise multi-currency account. You can also hold and convert money in more than 50 currencies.
Wise is ideal if you want to avoid hidden exchange rate markups, and it is supported in over 80 countries. You simply share your Wise details with the sender, and the money will reflect after a short processing period.
PayPal
Another leading option when considering which app and platforms can I use to receive money from abroad is PayPal. PayPal is widely used and accepted around the world, making it a reliable choice for receiving international funds. You can receive money from another PayPal account, and the funds are typically available instantly.
While convenient, PayPal charges fees for currency conversion and withdrawals to local bank accounts. Still, it’s one of the most accessible and globally accepted platforms for receiving money internationally.
WorldRemit
WorldRemit is an excellent option when evaluating which app and platforms can I use to receive money from abroad because it offers multiple payout methods: bank deposit, mobile money, airtime top-up, and cash pickup. It’s a great choice for recipients in countries with less developed banking infrastructure.
Senders can use the WorldRemit app to transfer funds quickly, and recipients often receive the money within minutes. This platform is particularly useful for families sending remittances and individuals in remote regions.
Remitly
Remitly is designed with speed and affordability in mind, making it a worthy inclusion in the discussion about which app and platforms can I use to receive money from abroad. It supports delivery speeds as fast as a few minutes for certain countries and allows senders to choose between economy and express delivery options.
With Remitly, recipients can get money via bank deposit, mobile wallet, or cash pickup. The app is user-friendly, and senders are offered competitive exchange rates and low transfer fees.
Western Union
Western Union has long been a global leader in money transfers, and it remains a valid answer to which app and platforms can I use to receive money from abroad. Their mobile app allows users to send and receive money in minutes. The key advantage is the extensive network of over 500,000 agent locations worldwide for easy cash pickup.
Recipients without bank accounts can still receive money, which makes it a top choice in less-banked regions. The fees and exchange rates vary based on location, amount, and delivery method.
MoneyGram
MoneyGram is another trusted name when asking which app and platforms can I use to receive money from abroad. Its mobile app allows for convenient international money transfers and easy tracking. Money can be received via direct deposit, mobile wallet, or cash pickup.
With over 350,000 agent locations in more than 200 countries, it is ideal for receiving money in cash. Their fees and exchange rates are also competitive depending on the countries involved.
Xoom (A PayPal Service)
Xoom, owned by PayPal, simplifies global money transfers and deserves mention in this guide on which app and platforms can I use to receive money from abroad. Xoom supports bank deposits, cash pickups, and mobile wallet transfers in over 160 countries.
Xoom stands out with fast delivery times and strong security features. Though fees may be higher than some alternatives, the convenience and support make it a solid choice for receiving money from abroad.
Payoneer
Payoneer is a leading financial services company for freelancers and businesses, and a top solution to which app and platforms can I use to receive money from abroad. With Payoneer, you receive funds from international marketplaces, clients, and partners directly into your Payoneer account.
It offers local receiving accounts in USD, EUR, GBP, and more, making it easy to receive payments from companies like Amazon, Upwork, or Fiverr. You can also transfer money to your bank or withdraw via ATM using a Payoneer Mastercard.
Skrill
Skrill is another digital wallet app often considered when discussing which app and platforms can I use to receive money from abroad. It supports instant money transfers to your Skrill account and allows easy withdrawals to a bank account or ATM card.
Skrill is known for low fees and a straightforward mobile app interface. It’s especially popular in the online gaming and freelance economy, with services in over 120 countries.
Revolut
Revolut is a digital banking app that supports international transfers and is a modern option in the context of which app and platforms can I use to receive money from abroad. With Revolut, you can receive money in multiple currencies, exchange at interbank rates, and spend using a debit card.
Revolut is best suited for people who frequently travel or work remotely. It supports payments from abroad and offers unique features like budget tracking and investment options.
Chipper Cash
Chipper Cash is an Africa-focused mobile app that enables free and fast money transfers across African countries and from abroad. When considering which app and platforms can I use to receive money from abroad, especially for Africa, Chipper Cash is a standout option.
You can receive money directly into your mobile wallet and withdraw into your local bank account. The app also supports bill payments and airtime top-ups.
Cash App
Cash App is commonly used in the U.S. and UK for peer-to-peer transfers and is increasingly being used for international transactions. For those asking which app and platforms can I use to receive money from abroad, especially between these regions, Cash App can be a viable solution.
While its international capabilities are limited, the platform is expanding and is convenient for U.S.-based freelancers or family members receiving support.
Google Pay And Apple Pay
While not traditional remittance platforms, Google Pay and Apple Pay can be used in conjunction with other apps or banks to receive money from abroad. They are secure, fast, and convenient for domestic and supported international payments.
For people asking which app and platforms can I use to receive money from abroad who also want wallet integration and seamless spending, these apps are worth exploring if supported in your country.
Bank-To-Bank International Wire Transfers
Traditional bank-to-bank transfers remain a secure option for receiving money from abroad. Although slower and often more expensive, they’re still valid answers to the question which app and platforms can I use to receive money from abroad, especially for large sums.
Most banks offer SWIFT code-enabled services that allow you to receive money from abroad directly into your local bank account. Check with your bank for fees, timeframes, and requirements.
Mobile Money Services (Like M-Pesa)
For regions like East Africa, mobile money services such as M-Pesa are key players when discussing which app and platforms can I use to receive money from abroad. These services are linked to your mobile number and allow you to receive international funds via integration with platforms like Western Union or WorldRemit.
This method is particularly useful for people without bank accounts or those in rural areas.
Cryptocurrency Wallets
Although unconventional, cryptocurrency wallets like Binance, Coinbase, or Trust Wallet are emerging as options for those exploring which app and platforms can I use to receive money from abroad. Crypto offers fast, borderless transactions but comes with volatility and regulatory concerns.
This method is more suitable for tech-savvy users and countries with relaxed crypto regulations.
Factors To Consider When Choosing A Money Receiving App
When deciding which app and platforms can I use to receive money from abroad, you must consider:
- Transfer fees and exchange rates
- Speed of delivery
- Receiving options: bank, mobile wallet, cash
- Supported countries and currencies
- Security and reliability
Balancing these factors helps you choose a platform that matches your needs and maximizes the value of the money received.
Conclusion
Knowing which app and platforms can I use to receive money from abroad empowers you to make informed financial decisions and enjoy secure, timely, and affordable transactions. From global giants like PayPal and Western Union to fintech apps like Wise, Remitly, and Payoneer, the choices are vast and diverse. Choose the best option based on your location, the sender’s country, desired speed, and cost. Whether you’re receiving support from family overseas or international freelance payments, the right app can make all the difference.
Frequently Asked Questions
1. Which App Can I Use To Receive Money From Abroad?
You can use several apps to receive money from abroad, but some of the most popular and reliable options include Wise (formerly TransferWise), PayPal, Remitly, WorldRemit, Payoneer, and Xoom. These apps are known for their speed, global reach, and security. Wise is excellent for low fees and transparent exchange rates. PayPal is widely accepted and offers instant transfers between accounts. Payoneer is a top choice for freelancers and businesses needing to receive international payments. Xoom and Remitly are fast and efficient, especially for sending to developing countries. Choosing the best app depends on your location, the sender’s country, and the preferred payout method—whether you want a bank deposit, mobile wallet transfer, or cash pickup option.
2. What Platforms Can I Use To Receive Money From Abroad?
Platforms you can use to receive money from abroad include Wise, PayPal, Payoneer, Western Union, MoneyGram, Xoom, Remitly, WorldRemit, Skrill, and Revolut. These platforms vary in speed, cost, and delivery method. Wise and Payoneer are popular for direct-to-bank international transfers with low fees. Western Union and MoneyGram are useful for cash pickups, particularly in areas with limited banking infrastructure. Remitly and WorldRemit offer both bank deposits and mobile wallet options, while Skrill and Revolut allow you to hold and convert multiple currencies. Select a platform based on your country, access to bank accounts or mobile money, transfer fees, and how quickly you need to access the funds.
3. Which App And Platforms Can I Use To Receive Money From Abroad Safely?
If safety is your main concern, Wise, PayPal, Payoneer, and Western Union are among the most secure apps and platforms to receive money from abroad. These companies use strong encryption, fraud detection, and authentication protocols to protect your transactions and personal data. Wise is highly trusted for its transparency and regulation in multiple countries. PayPal includes buyer and seller protections that add an extra layer of security. Payoneer is regulated by financial authorities and widely used in global business. Western Union and MoneyGram have decades of experience and secure cash pickup options. Always use verified apps, enable two-factor authentication, and avoid sharing sensitive information with unauthorized sources when receiving international funds.
4. Which App And Platforms Can I Use To Receive Money From Abroad Instantly?
For near-instant transfers, consider PayPal, Remitly (express option), WorldRemit, and Xoom. These apps and platforms can deliver money from abroad within minutes, depending on the country and payment method. PayPal offers immediate access to funds from other PayPal users. Xoom and Remitly allow fast delivery, especially when sending money to mobile wallets or for cash pickup. WorldRemit is also known for quick transfers to banks, mobile wallets, and agents. Instant transfers may come with higher fees, so it’s important to weigh speed versus cost. Also, the sender’s payment method (credit card or bank transfer) can influence how fast the money reaches you.
5. Which App And Platforms Can I Use To Receive Money From Abroad Without High Fees?
Wise, Payoneer, and Revolut are known for offering low or transparent fees for receiving money from abroad. Wise charges low, upfront fees and uses the real exchange rate without hidden markups. Payoneer provides global receiving accounts with minimal costs and is popular with freelancers. Revolut offers free and paid plans with competitive rates for currency conversion. Although PayPal is convenient, it may charge higher fees, especially for currency conversion and bank withdrawals. WorldRemit and Remitly also have affordable fee structures, depending on the country pair and transfer speed. Always compare fee calculators on each platform before choosing one to receive international payments.
6. Which App And Platforms Can I Use To Receive Money From Abroad Into My Bank Account?
To receive money from abroad into your bank account, Wise, Payoneer, Remitly, WorldRemit, Xoom, and Revolut are excellent options. Wise allows direct transfers to your local bank account at real exchange rates. Payoneer offers virtual bank accounts in different currencies that can be linked to your local bank. Remitly, WorldRemit, and Xoom support bank deposits to accounts in many countries and usually process transfers quickly. Revolut allows users to receive money in multiple currencies and withdraw to a linked bank account. When choosing, consider the transfer speed, exchange rate margins, and associated bank fees for each service.
7. Which App And Platforms Can I Use To Receive Money From Abroad On My Mobile Phone?
Apps like WorldRemit, Remitly, PayPal, Wise, Chipper Cash, and Skrill allow you to receive money from abroad directly on your mobile phone. These apps support mobile wallet features, allowing recipients to get funds without a traditional bank account. Chipper Cash is ideal for African countries and offers seamless mobile transactions. PayPal, WorldRemit, and Remitly allow you to manage funds, transfer to your bank, or use mobile money accounts. Skrill and Wise have mobile apps with real-time notifications, tracking, and security features. These apps are convenient for users who prefer managing finances directly from their smartphones.
8. Which App And Platforms Can I Use To Receive Money From Abroad With Best Exchange Rates?
Wise is widely recognized for offering the best exchange rates when receiving money from abroad. It uses the real mid-market exchange rate with no hidden markups. Payoneer and Revolut also offer competitive exchange rates, especially when holding funds in foreign currency wallets. Revolut includes interbank rates for users on premium plans. Xoom, WorldRemit, and Remitly also provide reasonable rates, but they may add slight markups to cover costs. Comparing platforms before making a choice helps maximize how much you actually receive after conversion. Avoid platforms with undisclosed rates or excessive markup fees when dealing with foreign currencies.
9. Which App And Platforms Can I Use To Receive Money From Abroad Without A Bank Account?
If you don’t have a bank account, you can still receive money from abroad using Western Union, MoneyGram, Chipper Cash, WorldRemit, and Remitly. These apps and platforms offer cash pickup options or mobile wallet transfers. Western Union and MoneyGram have large global agent networks where you can collect cash with a valid ID. Chipper Cash allows funds to be received directly into your mobile wallet. WorldRemit and Remitly support mobile money transfers and offer agents for cash collection. These services make it easier for unbanked individuals in rural or underserved regions to receive funds from abroad securely.
10. Which App And Platforms Can I Use To Receive Money From Abroad As A Freelancer?
Freelancers can use Payoneer, PayPal, Wise, and Skrill to receive money from clients abroad. Payoneer is especially suitable for freelancers working with global marketplaces like Upwork, Fiverr, or Amazon. It provides virtual receiving accounts in major currencies. PayPal is popular for its instant access and buyer-seller protections. Wise offers multi-currency accounts with low fees, making it ideal for freelancers managing multiple income streams. Skrill is also accepted by several freelance platforms. These tools are efficient for handling global payments, invoicing, and currency conversion. Look for services that support your work platform and provide cost-effective withdrawal options.
11. Which App And Platforms Can I Use To Receive Money From Abroad In Africa?
In Africa, top platforms to receive money from abroad include WorldRemit, Remitly, Western Union, Chipper Cash, M-Pesa, and Wise. WorldRemit and Remitly are known for fast bank and mobile wallet transfers to many African countries. Western Union has extensive agent networks for cash pickup. Chipper Cash allows cross-border mobile transfers and is widely used in Nigeria, Ghana, Uganda, and Kenya. M-Pesa, popular in East Africa, integrates with global services like PayPal and WorldRemit for mobile money transfers. Wise supports direct bank deposits in several African countries and offers low fees and strong exchange rates. Choose the option that works with local financial systems.
12. Which App And Platforms Can I Use To Receive Money From Abroad In Asia?
If you’re in Asia, reliable platforms to receive money from abroad include Wise, PayPal, Payoneer, Western Union, Remitly, and WorldRemit. These apps support bank transfers, cash pickups, and mobile money delivery. Wise and Payoneer are widely used for business and freelancing transactions. PayPal is common across India, the Philippines, and other Asian countries. Remitly and WorldRemit allow family members abroad to send money directly to your bank or mobile wallet. Western Union offers widespread cash pickup options. Choose based on transfer fees, supported currencies, and how quickly you need access to your funds.
13. Which App And Platforms Can I Use To Receive Money From Abroad If I Live In A Rural Area?
Living in a rural area doesn’t limit your options for receiving money from abroad. Western Union, MoneyGram, WorldRemit, Remitly, and Chipper Cash are some of the best platforms. Western Union and MoneyGram have thousands of rural agent locations for cash pickups. WorldRemit and Remitly support mobile wallet deposits and often partner with local banks and cash pickup points. Chipper Cash enables peer-to-peer payments directly to mobile wallets in some African countries. These options allow you to receive money without needing internet access or a bank account, making them ideal for rural and remote communities.
14. Which App And Platforms Can I Use To Receive Money From Abroad For Business Purposes?
For business transactions, Payoneer, Wise, PayPal, and Revolut are among the best platforms to receive money from abroad. Payoneer is tailored for global e-commerce and freelance businesses, offering international receiving accounts. Wise offers multi-currency accounts and batch payment options, ideal for small businesses. PayPal provides merchant services and is accepted by global clients. Revolut supports business accounts with currency exchange tools and payment tracking. These apps offer invoicing, multi-currency support, and integration with accounting software. They also meet international compliance standards, ensuring secure, traceable business transactions across borders.
15. Which App And Platforms Can I Use To Receive Money From Abroad That Supports Multiple Currencies?
Wise, Revolut, Payoneer, and Skrill are among the top apps and platforms that support receiving money in multiple currencies. Wise provides users with local account details in currencies like USD, EUR, GBP, and AUD. Revolut supports multi-currency wallets and allows users to hold and convert funds at interbank rates. Payoneer offers virtual receiving accounts for different global currencies, which is especially helpful for freelancers and digital businesses. Skrill also supports a variety of currencies and is widely used for online transactions. These platforms help users manage international funds without the need for multiple bank accounts.
16. Which App And Platforms Can I Use To Receive Money From Abroad With Cash Pickup Option?
Western Union, MoneyGram, Remitly, and WorldRemit offer cash pickup options for receiving money from abroad. Western Union and MoneyGram have hundreds of thousands of global agent locations where recipients can collect cash. Remitly and WorldRemit allow senders to choose cash pickup as a delivery method, with recipients using a verification code and ID to claim funds. These platforms are especially helpful in areas with limited banking access. The availability of pickup locations varies by country, so always check coverage in your specific region before selecting a platform for cash-based transfers.
17. Which App And Platforms Can I Use To Receive Money From Abroad Through Mobile Wallets?
Apps like WorldRemit, Remitly, Chipper Cash, M-Pesa, and PayPal Mobile Cash enable mobile wallet-based transfers. WorldRemit and Remitly offer direct mobile money transfers to wallets such as MTN Mobile Money, Airtel Money, and M-Pesa in many African and Asian countries. Chipper Cash is designed for Africa and integrates seamlessly with mobile money systems. M-Pesa is dominant in Kenya and parts of East Africa. PayPal Mobile Cash can be linked with select mobile services to access funds. These platforms are especially useful where bank account access is limited, offering fast, secure money reception via mobile.
18. Which App And Platforms Can I Use To Receive Money From Abroad Using Cryptocurrency?
To receive money from abroad using cryptocurrency, platforms like Coinbase, Binance, Trust Wallet, and Blockchain.com can be used. These apps allow the sender to transfer digital assets like Bitcoin, Ethereum, or stablecoins. Once received, you can hold the crypto or convert it into local currency using peer-to-peer exchanges or bank-linked crypto wallets. Crypto transfers are fast and often cheaper than traditional methods, but they involve price volatility and regulatory concerns. These options are best for tech-savvy individuals in countries where cryptocurrency is legally supported. Always confirm transaction fees and platform security before using them.
19. Which App And Platforms Can I Use To Receive Money From Abroad With The Fastest Delivery Time?
For the fastest delivery times, use PayPal, Remitly (Express), Xoom, and WorldRemit. PayPal offers instant transfers between users, while Remitly’s Express option delivers funds within minutes, depending on the country and payment method. Xoom also supports instant bank deposits and cash pickups in many regions. WorldRemit typically completes mobile wallet and bank transfers quickly. These platforms are designed for speed but may charge higher fees for faster service. Choose the one that suits your balance between urgency and cost, ensuring both sender and recipient meet the necessary identity and compliance checks.
20. Which App And Platforms Can I Use To Receive Money From Abroad That Are Available Worldwide?
Apps and platforms that are available worldwide for receiving money include PayPal, Wise, Western Union, MoneyGram, WorldRemit, and Remitly. These services operate in 100+ countries and support multiple delivery methods including bank transfers, mobile wallets, and cash pickups. PayPal and Wise are especially popular in Europe, the U.S., and Asia. Western Union and MoneyGram have widespread agent locations globally. WorldRemit and Remitly cover both developed and developing countries. These global platforms are ideal for recipients who need flexible, reliable, and accessible solutions for international money transfers. Always check local availability and supported features before use.
Further Reading
- How To Receive Money From Abroad Without A Bank Account
- What Bank Details Do I Need To Receive Money From Abroad?
- How To Receive Money From Abroad: A Step-By-Step Guide
- Receiving Money From Abroad: An Explanation For Beginners
- How To Send Money Abroad Free Of Charge: A Comprehensive Guide
- Which Platforms And Services Are Used To Send Money Abroad?
- How To Send Money Abroad Online
- Can I Send Money Abroad Instantly?
- How To Send Money Abroad Using Cryptocurrency: Procedures You Need To. Know
- How To Track Your Transfer When Sending Money Abroad