19 August, 2026
How to Send Money Abroad: A Complete Guide to International Money Transfers
Sending money abroad does not have to be complicated. An international money transfer allows you to send funds from one country to a recipient in another country, using a digital money transfer service, bank or other financial provider.
With Transfer Galaxy, you can send money online through the app, choose an available delivery method for your recipient, see the applicable fee and exchange rate before sending, and track your transfer after payment.
How do you send money abroad?
The easiest way to send money abroad is to use an online money transfer service. With Transfer Galaxy, the process can be completed in a few simple steps:
Create a free account.
Verify your identity.
Add your recipient.
Choose how the recipient should receive the money.
Enter the amount you want to send.
Review the exchange rate, fee and amount your recipient will receive.
Pay for and confirm your transfer.
Track your transfer until it reaches your recipient.
For a detailed step-by-step explanation, see our guide on how to send money with Transfer Galaxy.
What is an international money transfer?
An international money transfer is a payment sent from a sender in one country to a recipient in another country.
Depending on the destination, the recipient may be able to receive the money through a bank account, mobile wallet, cash pickup or another available delivery method.
The best option depends on where your recipient lives and how they prefer to access their money.
What information do you need to send money abroad?
The information required depends on the destination and delivery method, but you will generally need your recipient's correct personal and payment details.
Before sending money, make sure the recipient's name and other required information are accurate. Incorrect or incomplete recipient details can cause delays or prevent a transfer from being completed.
You will also need to complete the required identity verification when creating your Transfer Galaxy account.
Does the recipient need a Transfer Galaxy account?
No. The sender needs a Transfer Galaxy account, but the recipient does not need to create one simply to receive a transfer.
This makes it possible to send money to someone who does not use Transfer Galaxy themselves.
What are the different ways to send money internationally?
International money transfers can be delivered in several ways. The available options depend on the destination country and the transfer service.
Bank transfer
A bank transfer sends the money directly to the recipient's bank account.
This can be a convenient option when your recipient has a bank account and prefers to receive the money digitally.
Cash pickup
With cash pickup, your recipient collects the money in physical cash from an available pickup location.
This can be useful when your recipient does not have a bank account or prefers to receive cash.
With Transfer Galaxy, cash pickup is available through local partner networks in supported destinations. Your recipient receives instructions for collecting the transfer once the payment has been processed.
Mobile wallet
A mobile wallet allows the recipient to receive money digitally through a supported mobile wallet provider.
This can be particularly useful in countries where mobile money is widely used.
The delivery methods available to you will depend on the country you select.
How long does an international money transfer take?
The time required for an international money transfer depends on the destination country, delivery method, payment method and other processing requirements.
Some transfers can be completed very quickly, while others may take longer because of banking procedures, regulatory checks, local holidays or other factors.
Transfer Galaxy shows information about the transfer before you confirm it, and you can track your transfer through your account.
Tip: Do not assume that every international transfer has the same delivery time. Always check the available delivery method and estimated timing for your specific transfer.
How much does it cost to send money abroad?
The cost of an international money transfer depends on factors such as the sending country, destination, amount, delivery method and applicable exchange rate.
The most important number to compare is not only the transfer fee. You should also look at the exchange rate and the final amount your recipient will receive.
With Transfer Galaxy, the applicable fee and guaranteed exchange rate are displayed before you approve the transfer, so you can see how much your recipient will receive before completing the transaction.
For more information about transfer costs, see our guide to how much it costs to send money with Transfer Galaxy.
What exchange rate will my recipient receive?
The exchange rate determines how much money your recipient receives after your sending currency is converted into the recipient's currency.
When comparing money transfer services, consider both the transfer fee and exchange rate. A service with a low advertised fee is not necessarily the option that gives your recipient the most money.
Transfer Galaxy shows the applicable exchange rate and fee before you confirm your transfer, allowing you to review the total before sending.
Is it safe to send money online?
Sending money online can be a secure way to transfer funds when you use a regulated and established payment provider and follow the required security procedures.
Transfer Galaxy is an authorised payment institution supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). Transfer Galaxy also states that customer data and transactions are encrypted and kept confidential.
Learn more about what Transfer Galaxy is and how the service works.
How do you choose the best way to send money abroad?
The best way to send money internationally depends on your priorities and your recipient's circumstances.
Before sending money, consider:
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Where you are sending from
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Where your recipient is located
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How much you are sending and transfer limits
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How quickly the recipient needs the money
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Whether they prefer cash, a bank account or mobile wallet
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The total fee
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The exchange rate
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The final amount the recipient receives
Which countries can I send money to with Transfer Galaxy?
Transfer Galaxy supports money transfers to a growing range of destinations, with our country coverage and available delivery methods continuously expanding to give recipients more ways to receive money.
See which countries you can send money to with Transfer Galaxy
How do you send money with Transfer Galaxy?
Transfer Galaxy is designed to make international money transfers simple and digital. You can create an account, add a recipient, select an available delivery method, enter the amount, review the fee and rate, pay securely and get notified about the status of your transfer.
For a broader explanation of the service, read What is Transfer Galaxy?.
Frequently asked questions
What is the easiest way to send money abroad?
Using an online money transfer service can be one of the easiest ways to send money abroad. You can complete the transfer digitally without visiting a physical agent, provided the destination and delivery method are supported.
Can I send money abroad from my phone?
Yes. Transfer Galaxy allows customers to send money through its mobile app available both for iOS and Android.
Does my recipient need a Transfer Galaxy account?
No. Only the sender needs a Transfer Galaxy account. Your recipient can receive the money through an available delivery method without creating an account.
Can I send money directly to a bank account?
Yes, where bank transfer is available for the selected destination.
Can my recipient collect the money in cash?
Yes, cash pickup is available in supported destinations. The recipient collects the transfer from an available local partner location.
Can I send money to a mobile wallet?
Yes, mobile wallet delivery is available for supported countries and providers.
How can I know how much my recipient will receive?
Before confirming your transfer, Transfer Galaxy shows the applicable fee and exchange rate so you can see the amount your recipient will receive.
Is it cheaper to send money online?
Online money transfers can offer a convenient and cost-effective alternative to traditional in-person services, but costs vary by provider, destination, amount and exchange rate.
What countries can I send money to?
The available destinations depend on your sending country and Transfer Galaxy's current service coverage. Check the destination list before sending to make sure your intended country is supported.
Check the latest supported countries HERE.
Choose Transfer galaxy to send money abroad to family and friends.
International money transfers should be simple, transparent and convenient. Transfer Galaxy lets you send money online, easily and securely with many available delivery options for your recipients.