A Step-by-Step Guide
How to Send Money Internationally
22 July 2025
In this guide, we’ll walk you through a clear, step-by-step process on how to send money internationally, along with examples of countries and helpful tips. No matter where you’re sending—from Canada to the Philippines, the U.S. to India, or the U.K. to Nigeria.
Why Learn How to Send Money Internationally
With more people living, working, and studying abroad, knowing how to send money internationally has become essential. Whether you’re supporting family, paying for education, or handling business transactions, the ability to safely send funds helps bridge distance and build global financial connections.
Step 1: Choose the Right Method to Send Money Internationally
There are several reliable ways to send money internationally:
- Online Remittance Apps (e.g., OTT Remit, Remitly, Wise)
- Bank Wire Transfers
- Money Transfer Operators (e.g., Western Union, MoneyGram)
- Cryptocurrency Transfers (less common, more technical)
Your choice depends on factors like fees, speed, exchange rates, and convenience. Most people prefer digital platforms due to their ease and speed.
Step 2: Verify the Recipient’s Details Before You Send Money
Before you send money, confirm the following:
- Full legal name of the recipient
- Correct bank account number or mobile wallet details
- Bank name, branch, and SWIFT/BIC code (if using a bank)
- Phone number and/or email address (for online services)
Even a small error can delay or block the transfer. Double-checking ensures your money reaches the right person when you trasnfer.
Step 3: Prepare Required Documents and ID
Whether you’re using a mobile app or visiting a branch, most providers will ask for:
- Valid government-issued ID
- Proof of address (in some cases)
- Payment method (e.g., debit/credit card, bank account)
Having your documents ready helps streamline the process.
Step 4: Compare Fees and Exchange Rates Before You Send Money
Exchange rates and transfer fees can vary widely between providers. Before you send money internationally, compare:
- Transfer fees (flat vs. percentage-based)
- Currency exchange rates
- Delivery time (instant vs. 1–3 business days)
Use price comparison tools or visit provider websites to get the best deal.
Step 5: Initiate the Transfer and Confirm the Transaction
Once everything is verified, follow these steps:
- Enter recipient details.
- Choose the destination country and currency.
- Input the amount to send money internationally.
- Select your payment method.
- Confirm and submit the transaction.
You’ll usually receive a confirmation number or receipt. Save it in case you need to track or resolve any issues related to your transaction.
Step 6: Track and Notify the Recipient When You Send
Most services allow you to:
- Track your transfer in real-time
- Receive text or email updates
- Notify the recipient automatically
Once you send funds, let your recipient know it’s on the way. Some countries require the recipient to provide ID or a reference number to collect the funds.
Popular Destinations to Send Money Internationally
Here are examples of common country corridors:
- Canada to the Philippines
- United States to Mexico
- United Kingdom to India
- Australia to China
- Germany to Nigeria
Each country may have different methods or regulations when you send money internationally, so check for specific details.
If you’re interested in a country-specific guide, check out this post:
👉 How to Send Money from Canada to the Philippines ( Sending money to someone in another country – Canada.ca)
Tips to Send Money Internationally Safely and Affordably
- Avoid sending cash through mail – always use verified services.
- Watch out for scams – only send to people you trust.
- Check the receiver’s country rules – some countries have limits on how much you can receive.
- Keep receipts and tracking numbers until the transfer is complete.
Making informed choices helps protect your money and ensures successful transfers when you send money internationally.
Send Money Internationally with Confidence
Learning how to send money internationally is a vital skill in today’s connected world. Whether you’re supporting loved ones, making international payments, or funding education, choosing the right platform and following a secure process is key.
With the right tools and knowledge, anyone can confidently send money internationally — quickly, safely, and cost-effectively.
For more tips, guides, or to start your first transfer, follow our blog or download OTT Remit app today.
Disclaimer: The views and opinions expressed by the authors in this publication are their own and do not necessarily reflect the views of OTT Remit, OTT Financial Inc., and the OTT Group of Companies. This publication is provided for general information purposes only and should not be considered as exhaustive or comprehensive in covering all aspects of the discussed topics. It is not intended to replace seeking advice from a specialist or professional.
How To Send Money with OTT Remit
Follow three simple steps to send money quickly and securely to loved ones anywhere in the world.
Sign up for an account
Enter your name and phone number to create an account with OTT Remit.
Enter money transfer details
Choose your destination country and select one of three remittance methods: Cash Pickup, Mobile Wallet, or Bank Deposit. Enter your recipient's information.
Pay for your transfer
Complete your remittance by making an INTERAC e-Transfer. It's that easy!
