Cheapest Way to Send Money Internationally
International money transfers cost the world over $120 billion in fees annually. The average cost of sending $200 across borders is still around 6%, according to the World Bank — and that's before hidden FX markups.
Save up to $90 per $1,000 transferTransfer Fee Comparison
| Service | Fee | Speed | KYC | Notes |
|---|---|---|---|---|
Moai (USDC)FREE | $0 | Instant | Required | Send 100 USDC, they get 100 USDC |
Wise | ~0.59% ($5.90 per $1k) | 1–5 days | Required | Mid-market rate, no FX markup |
Western Union | $5–15 + up to 5% FX markup | Minutes–7 days | Required | FX markup hidden in exchange rate |
PayPal | 5% + $0.30 + 4% FX spread | 1 day | Required | One of the most expensive options |
Revolut | £1–3 + network fee | Minutes | Required | Plan-dependent pricing |
Bank wire | $25–50 | 3–5 days | Required | Plus intermediary bank fees |
Remitly | $0–4.99 | Minutes–3 days | Required | Economy is cheaper but slower |
Send 100 USDC, they get 100 USDC
Mid-market rate, no FX markup
FX markup hidden in exchange rate
One of the most expensive options
Plan-dependent pricing
Plus intermediary bank fees
Economy is cheaper but slower
What Do You Actually Pay?
Enter the amount you want to send and see what the recipient actually receives with each service.
USDC 1,000.00
You pay $0 in fees
You save up to $90.30 vs other services
$993.60
Fee: $6.40
You lose $6.40 in fees
$942.00
Fee: $58.00
You lose $58.00 in fees
$909.70
Fee: $90.30
$996.50
Fee: $3.50
You lose $3.50 in fees
$965.00
Fee: $35.00
You lose $35.00 in fees
$996.01
Fee: $3.99
You lose $3.99 in fees
How Moai.cash Sends USDC for Free
Open Telegram
Start a chat with Moai.cash bot — no extra app to download
Send USDC
Choose a recipient and amount — just like sending a message
They Get 100%
Recipient receives every cent — zero fees, zero deductions
About This Comparison
International money transfers cost the world over $120 billion in fees annually. The average cost of sending $200 across borders is still around 6%, according to the World Bank — and that's before hidden FX markups.
The cheapest way to send money internationally depends on what you're sending. Traditional services like bank wires charge $25–50 flat fees, Western Union adds up to 5% FX markup, and PayPal can cost nearly 10% once you account for their currency conversion spread.
Crypto-based transfers have changed the game. Sending USDC on Moai.cash costs exactly $0 — the recipient gets every cent you send, delivered instantly through Telegram. Compare that to losing $5–50 on every traditional transfer, and the savings speak for themselves.
Frequently Asked Questions
What is the cheapest way to send money internationally?
Moai.cash is the cheapest option at $0 per transfer — send USDC instantly through Telegram. Among traditional services, Wise is typically the cheapest at ~0.59% per transfer. Western Union and bank wires are the most expensive, charging $5–50+ per transfer plus FX markups.
Is there a way to send money internationally for free?
Yes — Moai.cash charges zero fees for USDC transfers. Send any amount internationally and the recipient receives 100% of what you send. No FX markup, no hidden charges, delivered instantly through Telegram.
Is crypto cheaper than traditional money transfer?
Significantly. Sending USDC on Moai.cash costs $0 compared to $5–50 for traditional services. Even self-custody crypto transfers on Solana cost $0.00025, versus 0.5–10% for Wise, PayPal, and banks. The savings on a $1,000 transfer can be $50–100.
What is the fastest way to send money internationally?
Crypto transfers on Moai.cash arrive instantly — within seconds. Traditional bank wires take 3–5 business days. Wise takes 1–5 days. Western Union cash pickup is instant but expensive. For both speed and cost, crypto wins.
Is it safe to send money internationally with crypto?
Yes. USDC is a regulated stablecoin backed 1:1 by US dollar reserves, audited monthly. Sending USDC on Moai.cash is secured by blockchain technology and requires no bank account. The transfer is instant, irreversible, and costs $0.
Send USDC with Zero Fees
Stop paying $5–50 per transfer. On Moai.cash, you send USDC and the recipient gets 100% — every time. No hidden fees, no FX markup, instant delivery on Telegram.
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