In 2025, sending money abroad without paying a cent in fees is easier than ever. Below, we compare three leading apps that promise zero-fee transfers, so you can pick the one that fits your needs and start saving immediately.
1. Wise (formerly TransferWise)
Wise offers the true mid-market exchange rate and charges no hidden fees on many corridors.
- Key Features
- Mid-Market Rate
You always get the real interbank rate, without markup. - Fully Transparent
The app shows you exactly what you’ll pay before you confirm.
- Mid-Market Rate
- Pros
- Low, predictable costs: often around 0.35%–0.6% of the amount.
- Fast delivery: most transfers complete within 1–2 business days.
- Cons
- Limited cash pickup options in certain countries.
- Debit-card funding can incur a small surcharge.
- Best For
- Frequent small-amount senders who value transparency.
2. Revolut
Revolut gives you fee-free currency exchanges up to a monthly limit, plus a multi-currency debit card.
- Key Features
- Free Exchanges
Up to £1,000 (or equivalent) per month at the interbank rate. - Card Integration
Spend and withdraw cash abroad with zero FX fees within your allowance.
- Free Exchanges
- Pros
- Seamless multi-currency wallet supporting 30+ currencies.
- Instant peer-to-peer transfers between Revolut users.
- Cons
- After the free monthly limit, a 0.5% fee applies.
- ATM withdrawals are capped; excess incurs fees.
- Best For
- Travelers and expatriates who need a single card and app for everyday spending.
3. Remitly Economy Plan
Remitly’s Economy option periodically waives transfer fees on slower, bank-to-bank transfers.
- Key Features
- 0% Fees During Promotions
Keep an eye on weekly or monthly promos to send for free. - Economy Delivery
Transfers complete in 3–5 business days.
- 0% Fees During Promotions
- Pros
- Often completely free during promotional windows.
- Wide coverage: 50+ destination countries.
- Cons
- Exchange-rate margins may be higher outside promo periods.
- Slower delivery than “Express” plan.
- Best For
- Those who can plan ahead and tolerate a few days’ delay for zero fees.
Quick Comparison
| App | Fees | Supported Regions | Delivery Time |
|---|---|---|---|
| Wise | 0.35%–0.6% | 80+ countries | 1–2 business days |
| Revolut | 0% up to limit; 0.5% thereafter | 30+ currencies | Instant–1 day |
| Remitly | 0% during promos | 50+ countries | 3–5 business days |
Conclusion & Call to Action
Test each app today with a small transfer—such as $10—to experience truly zero-fee international payments. Then share your favorite in the comments below and help others pick the best no-fee solution for 2025!
If you want to grow your savings further, check out how to open a high-yield USD savings account!