How to Send Money Internationally Without High Fees (2025 Guide) what no one tell you

 

How to Send Money Internationally Without High Fees (2025 Guide) 

Hey Guys : 

There was a time when i was struggling to send money to my family abroad when i was studying abroad and whenever i received monthly stipend but the biggest issue was whenever i sent money to them only half or even less then half amount reach to them lots of my amount was cut down as the tax or something else and i was very sad i asked friends and others they also faced the same problem in their life and they also did not find the solution to it . So i struggled to find the solution of it day and night passed still i could not find the proper solution of it one day i made a blunt research on it and tried and yes it worked yes it worked and this is something i am going to discuss with you guys in this post if you are fed up of sending money and most of your amount is cut down as tax then after reading out this you no longer need to worry about it anymore and you can thank me later after reading this out 

so without wasting time lets deep dive into it ..

Do you want to send money to your loved ones abroad or pay someone in another country — but the high fees and hidden charges make you worried?

You’re not alone.

Millions of people from Pakistan, India, UAE, UK, and other countries send money every month. But what most people don’t know is — they're paying too much.

In this blog post, you will discover:

• Why traditional money transfers are expensive

• Surprising low-cost and even free ways to send money

• Apps and services that save you money in 2025

• How to avoid hidden charges

• Which method is best for different situations

Let’s begin.

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🌍 Why Is Sending Money Internationally So Expensive?

You may think banks and companies charge a small fee to send money. But the truth is:

💸 They make huge profits from exchange rates and hidden fees.

Here’s how they do it:

1. High Transfer Fee – Flat charges like $10–$40 per transaction

2. Bad Exchange Rates – They convert your currency at a lower rate

3. Receiver Fee – Some services charge the person who receives money

4. Slow Speed – Some transfers take 3–5 business days

For example, if you send $1,000 to the UK or Pakistan, you might lose $50–$100 in fees if you use a traditional bank.

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🤯 The Shocking Truth: Banks Are the Worst Option

Banks like Chase, Barclays, UBL, or HBL are convenient, but they charge:

• Higher transfer fees

• Worse exchange rates

• Longer transfer times

In 2025, digital services are cheaper, faster, and smarter.

Let’s explore them.

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💡 Best Ways to Send Money Internationally Without High Fees (2025)

Here are the top services you can use right now:

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1. Wise (formerly TransferWise) – 🌍 Best Overall

Why it’s great:

• Uses real exchange rate (Google rate)

• Super low fee (as low as 0.5%)

• Fast transfers (same day or next day)

Example:
Sending $1,000 to the UK will cost you less than $6.

Supported Countries: 80+ including Pakistan, India, UAE, UK, US, Germany

🔗 https://wise.com

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2. Revolut – 🏦 Best for Regular Transfers

Why it’s great:

• Virtual bank account with multi-currency support

• No fee for small monthly transfers

• Free debit card + IBAN account

• Great for freelancers, remote workers, and students

Surprising Benefit:
You can hold 30+ currencies and send instantly without a bank.

🔗 https://www.revolut.com

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3. Payoneer – 💼 Best for Freelancers & Business

Why it’s great:

• Receive payments from US, UK, Amazon, Fiverr, Upwork

• Free global receiving account

• Low-cost transfers to local bank in PKR or INR

Example:
Send $1,000 to your Pakistan account with less than $5 in fees.

🔗 https://www.payoneer.com

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4. Remitly – 📦 Best for Sending to Family

Why it’s great:

• Fast delivery (bank, cash pickup, mobile wallet)

• Good rates if you pay with debit card

• Free for first transfer

🔗 https://www.remitly.com

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5. WorldRemit – 🧾 Best for Mobile Money

Why it’s great:

• Transfers to banks, mobile wallets, and airtime

• Great for sending small amounts

• Covers over 130 countries

🔗 https://www.worldremit.com

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💸 How to Avoid Hidden Fees While Sending Money

Even when using the right platform, don’t make these mistakes:

❌ Mistake 1: Using Credit Cards

• They charge 3% extra fees

• Always use debit cards or bank transfers

❌ Mistake 2: Choosing Bad Conversion Rates

• Google the real exchange rate before sending

• Use services like Wise or Revolut that match it

❌ Mistake 3: Not Checking Delivery Options

• Some services charge more for cash pickup

• Bank transfers are usually cheaper

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💰 Cheapest Way to Send Large Amounts Internationally

If you're sending more than $5,000 or $10,000, choose:

• Wise Business Account

• Payoneer

• OFX (great for large transfers)

They offer the lowest percentage fees and currency protection for big amounts.

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📱 What If You Don’t Have a Bank Account?

You can still send money:

• From mobile wallets (like JazzCash, Easypaisa, or Paytm)

• Through cash pickup services (WorldRemit, Remitly)

• Use debit card to fund transfers

Even if the receiver doesn’t have a bank, they can pick up cash from an agent.

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🌐 Can You Send Money Without a Fee at All?

Yes. Here’s how:

✅ Ways to Send with Zero Fees:

• Revolut (monthly limit)

• Crypto (but be careful with volatility)

• Referral bonuses (Remitly first-time offer)

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📊 Comparison Table: Best International Money Transfer Apps

Platform	Best For	Fees	Delivery Time	Exchange Rate
Wise	Overall	~0.5%	Same/Next Day	Real rate
Revolut	Small payments	Free (limit)	Instant	Real rate
Payoneer	Freelancers	$0–$5	1–3 Days	Good rate
Remitly	Family support	$3–$7	Fast	Fair
WorldRemit	Mobile wallets	$3–$6	1–2 Days	Fair

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😲 Real-Life Example: How Much You Save

Sending $1,000 from the UK to Pakistan:

Method	Total Received	Fee Paid
Traditional Bank	PKR 270,000	$30–50
Wise	PKR 284,000	~$6
Payoneer	PKR 282,000	~$5
Remitly	PKR 280,000	~$10

You save up to PKR 4,000–5,000 on just one transaction. Over time, this adds up to thousands of rupees!

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🕋 Is It Halal to Use These Services? Question for those who are muslims 

Yes — money transfer services are halal as long as they are not charging interest.
Services like Wise, Remitly, and Payoneer do not involve riba (interest) — only a flat fee or service charge.

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✅ Final Advice: Which One Should You Choose?

Situation	Best Service
Send to family (bank or cash)	Remitly or WorldRemit
Pay freelancer or get paid	Payoneer
Send large amounts	Wise or OFX
Need instant & regular transfers	Revolut
Want lowest overall fees	Wise

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🙌 Conclusion: You Deserve Better Than High Fees

Sending money internationally doesn’t have to be expensive. In 2025, you have smarter options that are:

• ✅ Fast

• ✅ Low-cost

• ✅ Secure

• ✅ Easy to use — even without a phone

So stop overpaying for old systems. Choose smarter money transfer options today and keep more money for your family, business, or savings.

these are some ways through which you can save your wealth from being deducted and in this way you can send money to your friends and family internationally without even worry again that your most of the wealth will be deducted as the tax or something else 

I hope that from now and onwards you will start using these instead of using your bank which deduct lots of amount and turn you in depression and anxiety Don t forget to send this to your friends and family if you really really care about them may be this is something they were looking for and are unable to find it till now 

if you want to know how a poor broke man became millionaire just by selling old books you could read out 

https://www.mindsetmasteries.org/2025/07/how-man-sold-old-books-and-became.html

if you want to know how to start business from scratch and with no money at all you could read out 

https://www.mindsetmasteries.org/2025/07/how-to-start-business-with-no-money-at.html

if you want to know what and where to start and sell digital products you could read out 

https://www.mindsetmasteries.org/2025/07/best-selling-digital-products-in-2025.html

I hope that you will not only read it and act upon it and see the changes as well in your life and will share it with your friends and family as well till then i will see you in another post take a good good care of yourself and 

PEACE 

YOUR WELL WISHER 

SAAD UR REHMAN HEAD AND FOUNDER OF MINDSET MASTERY