Last updated July 7, 2026
United States users should compare money transfer providers by destination coverage, payment method, receiving method, verification requirements, total received amount, and whether a referral or welcome reward applies to the exact route.
United States users should compare money transfer providers by destination coverage, payment method, receiving method, verification requirements, total received amount, and whether a referral or welcome reward applies to the exact route.
| Sending country | United States |
|---|---|
| Sender currency | USD |
| Provider choice | Use the destination, receiving method, fee, exchange rate, and live reward terms to choose a provider. |
| Bonus rule | A US account can be eligible only when the provider's current terms include the route, amount, and delivery method. |
These providers are relevant to US outbound transfers from Bonus Foundry's structured provider data. Confirm the destination, receiving method, payment method, and bonus terms in the provider flow.
| Provider | US relevance | Referral or welcome bonus | Payment methods | Verification |
|---|---|---|---|---|
| Taptap Send | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists code SALAHEDD1933; the US route must still meet the provider's live terms. | Sender debit card, Recipient mobile money wallet, Recipient bank account, Cash pickup where available | Taptap Send says every user must verify identity by uploading a valid government-issued ID and a selfie through the app. |
| Wise | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists an owned referral link; use it only when the provider's live US terms match the route. | Debit or credit card, Online banking, Wise account, Bank transfer | Wise's help centre covers account setup and verification, and Wise may ask users to verify their identity as part of account or transfer checks. |
| Remitly | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists an owned referral link; use it only when the provider's live US terms match the route. | Bank account, Debit card, Credit card, Mobile wallet | Remitly referral terms require users to pass know-your-customer and fraud-prevention checks to receive rewards, and Remitly's security page says new website accounts must provide personal information and complete email verification. |
| Sendwave | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists code I4H9G; the US route must still meet the provider's live terms. | Debit card, Sendwave Wallet for US senders, Recipient mobile money, Recipient bank account | Sendwave says users link a debit card and verify identity before sending; its support FAQ says Sendwave may ask for photo ID and a selfie video. |
| Ria | US sender data is present in Bonus Foundry provider notes. | No Bonus Foundry-owned referral code or link is currently published; check the provider's official terms for eligibility. | Debit card, Credit card where available, Bank account, Cash at 7-Eleven where available | Ria's security page says it verifies sender and recipient identities and accepts proof of identity such as passport, driver's license, national identity card, or residence permit card; the document must match the Ria account name and be valid. |
| Western Union | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists an owned referral link; use it only when the provider's live US terms match the route. | Credit card, Debit card, Bank account, Cash at agent location | Western Union may require identity verification depending on country, amount, channel, and account history. |
| MoneyGram | US sender data is present in Bonus Foundry provider notes. | No Bonus Foundry-owned referral code or link is currently published; check the provider's official terms for eligibility. | Debit card, Credit card, Bank account, Cash at agent location | MoneyGram may require identity verification depending on sender country, channel, transfer amount, and risk checks. |
| WorldRemit | US sender data is present in Bonus Foundry provider notes. | No Bonus Foundry-owned referral code or link is currently published; check the provider's official terms for eligibility. | Debit card, Credit card, Bank transfer, Apple Pay where available | WorldRemit may require identity verification before a transfer is completed or a promotion is honored. |
| Paysend | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists an owned referral link; use it only when the provider's live US terms match the route. | Debit card, Credit card, Apple Pay where available, Google Pay where available | Paysend may require identity verification before allowing transfers or applying referral benefits. |
| LemFi | US sender data is present in Bonus Foundry provider notes. | Bonus Foundry lists code SALABGWQ; the US route must still meet the provider's live terms. | SEPA for supported Euro countries, SWIFT/Wire where supported, Local transfer where supported, Card or bank top-up where available | LemFi terms say users must comply with information requirements including identification and verification checks; the invite page also requires the referred friend to verify. |
| Xe | US sender data is present in Bonus Foundry provider notes. | No Bonus Foundry-owned referral code or link is currently published; check the provider's official terms for eligibility. | Bank or wire transfer, Bank debit including ACH in the US, Debit card, Credit card | Xe may ask for an identity document and selfie because it is a regulated financial service. |
USA to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should compare US funding methods, Morocco receiving options, and whether a provider rewards only the first qualifying transfer.
Read USA to Morocco guideUSA to Egypt transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should prioritize live route confirmation, because provider-level coverage can be broad while Egypt payout methods vary by transfer flow.
Read USA to Egypt guideUSA to Ghana transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs comparison between mobile money, bank delivery, cash pickup, and first-transfer reward eligibility.
Read USA to Ghana guideUSA to Ethiopia transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should be checked for destination support, bank or cash payout availability, and first-transfer verification timing.
Read USA to Ethiopia guideUSA to Kenya transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs comparison between mobile wallet delivery, bank deposit, cash pickup, and US funding method tradeoffs.
Read USA to Kenya guideUSA to Nigeria transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should compare US funding methods, Nigeria receiving options, and whether a provider's referral terms are US-specific or route-specific.
Read USA to Nigeria guide| Provider | Best-fit use case | Reward note |
|---|---|---|
| Taptap Send | Supported destination routes where the referral code is accepted during the first transfer. | Taptap Send says referral codes can give both users bonus credit after the referred friend enters the code on their first transfer and sends with Taptap Send for the first time. The public help article does not publish one fixed reward amount for every country. |
| Wise | Bank-account routes where the live quote gives a stronger total received amount. | Wise referral benefits depend on the country, product, and active campaign shown during signup. Some users may see no public welcome bonus. |
| Remitly | First-time transfer comparisons where the reward terms, speed, and payout method match. | Remitly may offer first-transfer promotions or referral rewards depending on the sender country, destination, payment method, and active campaign. |
| Sendwave | Mobile wallet or digital delivery routes shown in the live flow. | Sendwave's public support page includes a promo-code step during signup, but Bonus Foundry could not verify public Sendwave referral-program terms or a fixed public reward amount from official pages. Bonus Foundry lists I4H9G as an owner-supplied code that must be confirmed in the Sendwave app. |
| Ria | Cash pickup and agent-network coverage. | Ria's official promo page lists new-customer promo codes, including HelloRia for $0 fees on first-time money transfers of $50 or more through December 31, 2026, but Bonus Foundry did not verify a public Ria referral-code program. |
| Western Union | Broad country coverage and cash pickup backup options. | Western Union publishes US Refer a Friend pages where invited friends can receive a $0 transfer fee on their first international digital money transfer and both users receive rewards after requirements are completed. Western Union's official terms are country-specific, so Bonus Foundry does not treat the US offer as a universal global reward. |
| MoneyGram | US Invite Friends or agent-network routes when the live destination qualifies. | MoneyGram publishes a US Invite Friends program. The US page says new customers get $20 toward their first qualifying transfer and the referrer gets $20 after the friend completes a first qualifying transfer of $50 or more. |
| WorldRemit | Routes with bank, wallet, cash pickup, airtime, or mobile money options. | WorldRemit has official help and promotion content for first-transfer promo codes and a Refer a friend topic, but Bonus Foundry does not currently list a known WorldRemit referral code or fixed reward. |
| Paysend | Card, bank, or wallet routes where Paysend shows destination support and referral terms. | Paysend publishes a referral program where invited friends get their first transfer fee-free and referrers can earn bonuses for up to 12 successful transfers made by each friend within the friend's first 12 months. The published bonus is £1.50, €2.25, or $3 per eligible transfer, up to £18, €27, or $36 per friend, or the local equivalent. |
| LemFi | Diaspora-focused routes where LemFi supports the US sender and destination market. | LemFi's Europe invite-and-earn page says both users can receive EUR 10 when a referred friend signs up, verifies, and sends over EUR 100 in one transfer. A separate Europe Referral & Earn campaign page lists referrer-only rewards, but its terms say the campaign period ended June 30, 2026 while page metadata lists July 31, 2026. |
| Xe | Bank-account or broad currency routes where the live quote is competitive. | Xe publishes a US Refer a Friend landing page that says referrers get $50 for each referral and both users get to choose a gift card when the friend's transfer qualifies. Bonus Foundry does not currently list its own Xe referral code. |
Bonus Foundry tracks US-relevant providers including Remitly, Wise, Sendwave, Taptap Send, Ria, Western Union, MoneyGram, WorldRemit, Paysend, LemFi, and Xe. Availability still depends on destination, payment method, receiving method, and live provider terms.
Bonus Foundry currently covers USA to Morocco, Egypt, Ghana, Ethiopia, Kenya, and Nigeria as dedicated corridor pages.
No. A US referral or welcome reward applies only when the provider's current terms include the sender account, destination, amount, payment method, and receiving method.
Check destination support, payment method, receiving method, total cost, verification requirements, reward timing, and whether the bonus must be applied before signup or the first transfer.