Send Money Abroad Without Paying Transfer Fees

Finding a reliable and affordable way to send money internationally can be tricky, especially when transfer fees and hidden charges eat into the amount your loved ones receive. The good news? Several trusted money transfer services now offer free international money transfers with competitive exchange rates and instant delivery.

Below, we highlight the best services for zero-fee transfers, including NALA, LemFi, Xe, SENDWAVE, ACE money transfer, and Remit2Any along with their key benefits, supported currencies, and unique features.

1. NALA Money Transfer – No Fees, Instant Transfers, and Above Mid-Market Rates

NALA is revolutionizing cross-border payments by offering truly free international money transfers from the USA, UK, and Europe. Read our full NALA review.

Sending currencies: USD (United States Dollar), EUR (Euro), GBP (British Pound)
Receiving countries & currencies:

• Kenya (KES)
• India (INR)
• Bangladesh (BDT)
• Tanzania (TZS)
• Uganda (UGX)
• Rwanda (RWF)
• Philippines (PHP)
• Pakistan (PKR)
• Ghana (GHS)
• Nigeria (NGN)
• South Africa (ZAR)
• Cameroon (XAF)
• Senegal (XOF)
• Ivory Coast (XOF)

Why NALA stands out:

• ✅ No transfer fee
• ✅ $5 joining bonus for new users
• ✅ Instant transfers to recipient accounts
• ✅ Above mid-market exchange rate – more value for your money
• ✅ No markup on the exchange rate
• ✅ No hidden fees – total transparency

2. LemFi – Zero Fees and Great Exchange Rates for African and Asian Corridors

LemFi offers free international transfers to several countries in Africa and Asia, making it a popular choice among the diaspora community. Read our full LemFi review.

Sending currencies: USD, GBP, EUR
Receiving currencies:

• Nigeria (NGN)
• Ghana (GHS)
• Kenya (KES)
• Cameroon (XAF)
• China (CNY)
• Congo (XAF)
• Egypt (EGP)
• Etiopia (ETP)
• Gambia (GMD)
• Ivory coast (XOF)
• Uganda (UGX)
• India (INR)
• Pakistan (PKR)
• Bangladesh (BDT)
• Mali (XOF)
• Morocco (MAD)
• Nepal (NPR)
• Philippines (PHP)
• Rwanda (RWF)
• Senegal (XOF)
• Sri Lanka (LKR)
• Tanzania (TZS)
• Togo (XOF)
• Tunisia (TND)
• Vietnam (VND)

Key benefits:

• ✅ No transfer fee for many destinations
• ✅ Instant transfers
• ✅ €15 Signup bonus
• ✅ Above mid-market exchange rate (for selected currencies)
• ✅ No markup on rates (for selected currencies)
• ✅ No hidden fees

3. Xe Money Transfer – No Fees Over 1000 Units, Wide Currency Coverage

Xe is one of the most well-known names in currency exchange and money transfers. Read our full Xe review.

Sending currencies: Wide range including USD, GBP, EUR, CAD, AUD, NZD, and more

Receiving Currencies: INR, USD, GBP, EUR, CAD, AUD, NZD, PKR and 100+ currencies.
Key features:

• ✅ No fee for sending over 1000 units in your chosen currency
• ✅ Close to mid-market exchange rates
• ✅ Instant transfers for many routes
• ✅ No hidden fees
• ✅ Multiple delivery options

4. Sendwave – Free Transfers to Popular and Less Common Routes

Sendwave specializes in fast, low-cost (often free) transfers, especially to African countries and select Asian destinations. Read our full SENDWAVE review.

Sending currencies: USD, GBP and EUR

Receiving Currencies:

• Nigeria (NGN)
• Ghana (GHS)
• Brazil (BRL)
• Kenya (KES)
• Cameroon (XAF)
• Congo (XAF)
• Colombia (COP)
• Dominican Republic (DOP)
• Gambia (GMD)
• Uganda (UGX)
• Indonesia (IDR)
• India (IND)
• Jamaika (JMD)
• Madagaskar (MGA)
• Pakistan (PKR)
• Bangladesh (BDT)
• El Salvador (USD)
• Guatemala (GTQ)
• Haiti (HTG)
• Mali (XOF)
• Morocco (MAD)
• Mexico (MXN)
• Philippines (PHP)
• Senegal (XOF)
• Tanzania (TZS)
• Thailand (THB)
• Tunisia (TND)
• Vietnam (VND)

Key benefits:

• ✅ No transfer fee
• ✅ Close to mid-market rates
• ✅ No hidden fees
• ✅ Small exchange rate markup
• ✅ Covers less popular currency routes
• ✅ Instant transfers

5. ACE Money Transfer – Time-Limited Free Transfers to Select Destinations

ACE Money Transfer regularly offers free transfer promotions for selected countries, perfect for sending money during special events or holidays. Read our full ACE money transfer review.

Sending currencies: GBP, EUR, CHF, RON, CAD, CZK, DKK, PLN etc
Receiving currencies:

• Nigeria (NGN)
• Ghana (GHS)
• Kenya (KES)
• Cameroon (XAF)
• China (CNY)
• Congo (XAF)
• Egypt (EGP)
• Etiopia (ETP)
• Gambia (GMD)
• Ivory coast (XOF)
• Uganda (UGX)
• India (INR)
• Pakistan (PKR)
• Bangladesh (BDT)
• Mali (XOF)
• Morocco (MAD)
• Nepal (NPR)
• Philippines (PHP)
• Rwanda (RWF)
• Senegal (XOF)
• Sri Lanka (LKR)
• Tanzania (TZS)
• Togo (XOF)
• Tunisia (TND)
• Vietnam (VND)

Key features:

• ✅ Free transfers during promotional periods (e.g., India, Sri Lanka)
• ✅ No hidden fees
• ✅ Instant transfers

6. Remit2Any – Free USD-INR transfers

Remit2Any regularly offers free transfer promotions for USD – INR transfers, perfect for sending money to india from USA. Read our full Remit2Any review.

Sending currencies: USD
Receiving currencies: India (INR)

✅ Free transfers
✅ US$1 = 100 INR (for first $100, new users)
✅ No Exchange rate markups
✅ Dedicated USD-INR transfers
✅ Rs.500 Signup bonus
✅ Above mid-market rates
✅ No Hidden fee

Why Choose These Free International Money Transfer Services?

These providers combine zero transfer fees, fast delivery, and favorable exchange rates so your loved ones receive more money, faster. Whether you’re sending to India (INR), Kenya (KES), Nigeria (NGN), or any other supported country, you can enjoy a transparent, cost-effective transfer experience.