Money Transfer guide

Hey All Important Information - Money Saving Hack - Should Read!!!
Sending money abroad is an art in itself .. learn the art ..sharing my experience and what all you can save..
What else to ask for, when its a dependable brand with trust value. Fast and Dependable service. Use below mentioned link to get a free transfer to any destination in world.
The best trick here is to use mix of all service as few services give you limited free transfers and limit on maximum transfer amount. What I learned in long run is to not create multiple profiles of same provider as it is not feasible and you end up loosing account. You need to be patient to check when currency rate is good and if urgent then this doesn't matter. Use the referral links to get money back offers or extra bucks on conversion or gift cards and to top all free conversion rate and no fee on transfer. So, if you want to send more than the limit of the transfer service than you can do that with multiple service providers and same time get rewards. Use my links to get most of this and , If you appreciate this information, again you can use my referral links. You will get referral offers and I will also get a token of appreciation from the service.
Summary of few good offers in order of goodies and rate of transfer:::

1. Worldremit  - Use promo code FREE and get free transfer. Also, get 20 $/€/£ as joining bonus
   • Special for people from UK -> avigate via TopCashback for additional cashback of 15£ to topcashback wallet
2. Transfergo - register with code 61qQub to get 20 £ or 23 € joining bonus and first free transfer 
3.  XendPay Gives best exchange rates and a good competitor of Worldremit and Transfer wise.  10 £ / € / $ JOINING BONUS
4. ORBIT REMIT  - Great transfer rates, first transfer free  - UK, Australia and New Zealand residents ONLY
5. Transferwise
   • Signing up using the referral link will enroll you to receive the promotional bonus (Zero fees for your first transfer, limits apply)
   • Price Match Guarantee
6. Remitly - Special rates for first 1000 £ / € / $ as a joining bonus. Quick transfers. Competitive rates.
   • Limited countries supported
7. Azimo – UK / EU only - get 10 £ or 10 € joining bonus and first free transfer 
8. Rewire 10 Euro off on first transaction + zero transaction fee upto 2000 Euros

• Get free master card which you can use anywhere in Europe
• First free transaction of upto 2000 eurors
• joining discount of 10 euros on first transaction. If you join using the link.

9. MoneyGram: navigate via TopCashback for additional cashback of 15£ to topcashback wallet
10. WesternUnion: navigate via Quidco for additional cashback of 20£ credited in your quidco wallet
11. Remit2India - good transfer rates to INDIA only
Details on each service:

1. Worldremit  - Use promo code FREE and get free transfer. Also, get 20 $/€/£ as joining bonus

Pros:

1. • With a global base of more than 120 countries, WorldRemit offers the following fast transfer options:
     • Cash pickup. Money is available for collection instantly from WorldRemit agent locations around the world.
     • Bank deposit. Instant transfers are only available to selected banks in selected countries.
     • Airtime top-up. Mobile airtime top-ups are usually added instantly.
     • Mobile money. Funds are added to the recipient’s Mobile Money account instantly.
   • If you join with referral link: Worldremit  you get 20 Dollar/GBP/USD coupon after 1 week of money transfer

Note: Special for people from UK -> Navigate via TopCashback (referral link: http://bit.ly/2Duf4jc )  for additional cashback of 15£ to topcashback wallet
Cons: 

1. • • Transfer rates at time are not as good as other options listed below

2. Transfergo - register with code 61qQub to get 10 £ or 10 € joining bonus and first free transfer.
Pros:

1. • Money-back guarantee
   • Cash pickup available in India
   • Available as an app on iOS & Android
   • Promotional rates available for new users periodically

Cons:

1. • Time for instant bank transfers is too less compared to Worldremit / Azimo / Remity
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation )

Note: First time TransferGo users get free transaction using the link https://my.transfergo.com/en/r/61qQub and referral code 61qQub

3. XendPay Gives best exchange rates and a good competitor of Worldremit and Transfer wise.  10 £ / € / $ JOINING BONUS
Pros:

1. • Decide your own transfer rate
   • Guaranteed Exchange Rate
   • Supports transfers to NRE & NRO accounts (in India)
   • Signing up using the referral link will enroll you to receive the promotional bonus ( 10 USD / Euros / GBP as joining bonus. Link=> http://bit.ly/2E7Lxxs )

Cons:

1. • Instant service not available
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation)

Note: XendPay gives promotional gift cards to referred new customers. It normally 10USD/ Euros/GBP, based on their referral policy.

4. Transferwise

Pros:

1. • Current mid-market exchange rate, as you can see on XE .com
   • Customers have transferred $4.5bn using the platform
   • Price Match Guarantee
   • Available as an app on iOS & Android
   • Signing up using the referral link  http://bit.ly/2GCqchg will enroll you to receive the promotional bonus (Zero fees for your first transfer, limits apply)

Cons:

1. • No transfers are free.
   • You are always charged a 0.9% of your total transfer amount, which brings down the effective transfer rate
   • The transfer takes about 3 days and for some new customers it can take upto 5 days, however your committed rate remains same as of the transaction date
   • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation as it is required by the US Law)

Note: TransferWise gives promotional benefits to referred new customers. Your first transfer fee is waived off (transfer limits apply).

5. ORBIT REMIT

Pros:

• Great transfer rates
• first transfer free

Cons:

• UK, Australia and New Zealand residents ONLY

Note: join using the link for special transfer rates http://bit.ly/2SugrIT

•  

6.Azimo – UK / EU only - get 10 £ or 10 € joining bonus and first free transfer 
Pros:

• Signing up using the referral link will enroll you to receive 10 GBP / 10 USD / 10 Euro Joining bonus (Zero fees for your first transfer, limits apply) => http://bit.ly/2MZwk4j

Cons:

• Heavy Credit Card Fees
• You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation)

Note: Azimo offers joining bonus to newly referred customers (terms & conditions change periodically).

7.Remitly - Special rates for first 1000 £ / € / $ as a joining bonus. Quick transfers. Competitive rates.
Pros:

• No fees on transfers over $1000 /1000 GBP / 1000 Euros

Cons:

• • Fee of $/£/ Euros 3.99 for transfers below $/£/Euros 1000
  • Take 3 business days to transfer from your Bank account
  • Instant deposit rates are not better than others
  • 3% fee on Credit Card transactions
  • You have a daily and half yearly sending limits, which can be raised based on the usage (You can request to raise those limits by sharing required documentation as it is required by the Law
  • Limited countries supported

Note: Remitly promotional value is adjusted in their first time transfer rate. You’ll have a much better rate for your first transfer which equates to approx. $/£/Euros 20 if you transfer $/£/Euros 2500. LINK: http://bit.ly/2SugHaP
8. MoneyGram: navigate via TopCashback for additional cashback of 15£ to topcashback wallet
9. WesternUnion: navigate via Quidco for additional cashback of 20£ credited in your quidco wallet
10. Remit2India

good transfer rates to INDIA only

• Link : https://goo.gl/HxrMsz
• Special rates for initial transfer
• Offers : 500Rs joining bonus
• Global support
• Time : Within 1 day

11. Rewire10 Euro off on first transaction + zero transaction fee upto 2000 Euros
Pros:

• GREAT feature: Get free master card which you can use anywhere in Europe.
• First free transaction of upto 2000 eurors
• joining discount of 10 euros on first transaction. If you join using the link => https://app.rewire.to/signup/?code=VLHU

Cons:

• UK not supported

In the end.. I will say..
Viewing and comparing is good, but make sure there is no favoritism shown for any particular service or site. The easy way to catch them is over hyped transfer rates and always shown on top for conversion rates. My point is to not hurry things and see patiently. It's better to loose few pennies on researching time than to loose a big amount paying in transaction or conversion.
Banks are never good option as they charge heavily on transfer and conversion. Their wire service is a total rip off. For a few thousand dollars, services from banks with big brands will loot you completely. They usually charge a 'Service Tax' mandated by the Bank Regularities, which is the minimum charge you will pay for
Forex money transfer ( but this minimum nowadays turns out to be maximum and you end up loosing 10 to 15 % in commissions ). Many Forex transfer service providers will add their own service fees to the transaction or remittances but due to competition all over this has been reduced to great extent.
Also in this app world all services are available on just touch of your finger. XOOM app is easy and convenient to use, try it for experience. Try it for faster convenient service and you can initiate transfers to saved list of recipients anytime convenient for you.
In the time of technology certain online apps help to transfer money instantly, but they are limited to smaller transactions and are prone to security threats.
Things are changing on daily basis and its expected that as new services will come, biggies like western union and money gram will loose market as they charge more, and are only convenient for bigger/larger amount transfers with one time transaction as they have no limits ( but their commission is painful aspect, which is very well avoidable ). I will keep adding changes and discovery to this post. Till Then Enjoy..
Also read my blogs for more info and coupons:
Money Transfer Guide
&
Transfer Money Abroad guide