The Finance Base / Money transfer apps / TransferGo
transfergo.com
TransferGo
TransferGo lets customers send money internationally to bank accounts, cards, e-wallets and cash recipients. It runs on Android and iPhone, and registration is also available from a computer. Listed pricing begins at 0.5% for exchange and 0.2% for some transfers. Coverage exceeds 160 countries,…
Visit transfergo.com ↗ What it costs
- 8.9 No. 4on Money transfer apps
- Free planprice, as published
- Sep 27, 2026read on
What TransferGo costs
- Free multicurrency account Not published
- International bank-account transfer Not published
- International card transfer Not published
- Transfers to cards Not published Depending on card or region; third-party fees apply
- Currency exchange Not published 0.2% within your account
- Virtual GoCard Not published Ready instantly in the app
- Multi-currency account Not published No setup or monthly costs
- Transfers to bank accounts Not published Next-business-day delivery
Opening and maintaining the account is free. Bank and card transfers have starting prices of 0.2%, while exchange begins at 0.5% or 0.2% inside the account. Card, regional and third-party charges may alter the total.
As transfergo.com publishes them, read Sep 20, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Exchange rate
- A markup on the rateas stated, Sep 27, 2026
- Fee shown before you pay
- Yes
- How fast it lands
- Transfers can be delivered in minutes, instantly, within…
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 28
Rate with a markupFee shown before you pay
Strengths and limits
Strengths
- The multi-currency account has no setup or monthly cost.
- Bank, card, e-wallet and cash-transfer recipients are supported.
- Transfers are available to more than 160 countries.
- The apps show fees upfront and provide transfer tracking.
Limits
- Exchange pricing begins at 0.5% outside in-account exchanges.
- Card transfers can incur third-party fees.
- Free ATM use is limited monthly and to three withdrawals.
- Some prices vary by card, region or require a request.
What TransferGo does
Through its service, TransferGo delivers international payments to bank accounts, payment cards, e-wallets and cash-transfer recipients. It says some transfers are instant, and it provides tracking plus an upfront fee display.
Balances in GBP, EUR, PLN and RON can be held in its multi-currency account. TransferGo Business provides a multi-currency business account for global payments.
Fees and plans
There is no setup fee or recurring charge for the multi-currency account. It supports the four listed balances, and moving money between TransferGo accounts costs nothing.
The published starting point for currency exchange is 0.5%, or 0.2% for exchanges within the account. Bank-account transfers begin at 0.2%; card transfers also start at 0.2% but depend on card and region, with possible third-party charges.
In the localized view reviewed, the Virtual GoCard is shown as free, while no USD price is displayed. Bank-account transfers are advertised from 0.2% with next-business-day delivery. Other plans may show pricing only on request.
Where it runs
TransferGo offers Android and iPhone apps. Online signup from a computer is also available.
Protection, as TransferGo publishes it
According to TransferGo, end-to-end encryption protects customer money and data. It states that EU and UK rules apply and that the FCA authorises it as an electronic-money institution.
TransferGo describes special safeguarding intended to return money if a transfer fails. These are its published statements; no separate dispute process or two-factor sign-in detail is given here.
Strengths
International transfers are offered to over 160 countries, with delivery choices that include bank accounts, cards, e-wallets and cash transfers.
The multi-currency account carries no setup or monthly charge, and exchanging currencies inside it starts at 0.2%. Transfer tracking and showing the fee before sending provide visibility.
Catches and limits
TransferGo uses a markup for exchange, with prices published from 0.5% outside in-account exchanges. Card transfers may incur third-party fees and can vary by card or region.
ATM withdrawals have a capped free allowance rather than unlimited use: £500 per month in the UK and EEA, or £200 elsewhere, with no more than three withdrawals in either case.
Who may want another service
People needing currencies beyond GBP, EUR, PLN and RON, unlimited free ATM withdrawals or a fixed card-transfer price may want to compare other services.
Verdict
TransferGo may suit people seeking app-based international payments, a multi-currency account without monthly charges, and visible starting fees. Its country reach and delivery methods support cross-border payments, while tracking offers post-send visibility.
Predicting the final card or regional price can be difficult because charges may depend on the card or destination and third-party fees can apply. ATM users must also remain within the monthly and three-withdrawal limits.
Who it suits
Pick it if
- International transfers using Android or iPhone
- Users keeping GBP, EUR, PLN or RON balances
- People who want upfront fees and transfer tracking
Skip it if
- You need currencies beyond the four supported account balances.
- You need unlimited free ATM withdrawals.
- You require a fixed card-transfer price before entering details.
Facts we read
- Account costsThe multi-currency account has no setup or monthly costs. · transfergo.com, Sep 27, 2026
- ATM free limitUK and EEA withdrawals have £500 free monthly up to three withdrawals. · transfergo.com, Sep 27, 2026
- Worldwide ATM limitRest-of-world withdrawals have £200 free monthly up to three withdrawals. · transfergo.com, Sep 27, 2026
- Bank transfer feeTransfers to bank accounts start from 0.2%. · transfergo.com, Sep 27, 2026
- Business offeringTransferGo Business provides a multi-currency business account for global payments. · transfergo.com, Sep 27, 2026
- Card transfer feeTransfers to cards start from 0.2% and may incur third-party fees. · transfergo.com, Sep 27, 2026
- Customer baseTransferGo says more than 9 million people use its service. · transfergo.com, Sep 27, 2026
- Company registrationTransferGo Ltd is registered in England and Wales under company number 07914165. · transfergo.com, Sep 27, 2026
- Customer reviewsThe service has an Excellent Trustpilot rating from over 35,000 reviews. · transfergo.com, Sep 27, 2026
- Customer supportCustomer Service is available in English and nine other languages. · transfergo.com, Sep 27, 2026
- Exchange pricingCurrency exchange starts at 0.5%, or 0.2% for in-account currency exchanges. · transfergo.com, Sep 27, 2026
- Exchange-rate modelmarkup · transfergo.com, Sep 20, 2026
- Upfront fee displayYes · transfergo.com, Sep 20, 2026
- Founded2012 · transfergo.com, Sep 23, 2026
On these lists
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Questions
Is TransferGo free?
The multi-currency account does not have setup or monthly charges. Transfers and exchanges may still cost money, with listed starting rates of 0.2% or 0.5% depending on the service.
Which currencies can the account hold?
GBP, EUR, PLN and RON are the supported account balances.
Where can TransferGo send money?
TransferGo states that international transfers reach over 160 countries and can be delivered to bank accounts, cards, e-wallets or cash recipients.
Does TransferGo have mobile apps?
Yes. TransferGo provides Android and iPhone apps, and registration can also be done online from a computer.
How much do card transfers cost?
The listed starting charge is 0.2%, with the exact rate depending on the card and region. Third-party fees may be added.
What are the free ATM limits?
In the UK and EEA, up to £500 per month is free across a maximum of three withdrawals. Elsewhere, the corresponding free allowance is £200 and three withdrawals.
Does TransferGo publish security information?
TransferGo says customer money and data receive end-to-end encryption, that it is regulated under EU and UK law, and that the FCA authorises it as an EMI. It also describes safeguarding when a transfer fails.
Is TransferGo yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.