Reviewed by: BonusFoundry Editorial Team
Last reviewed:
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. |
| Tracked providers | 11 providers relevant from USA |
| Popular corridors | USA to Morocco, USA to Egypt, USA to Ghana, USA to Ethiopia, USA to Kenya, USA to Nigeria |
| Last verified | July 7, 2026 |
These compact cards summarize reward, eligibility, minimum transfer, best-fit use case, and review date. Open the provider page for full terms, support details, and official-source notes.
| Provider | Taptap Send |
|---|---|
| Reward | Captured EUR offer: referred friend EUR 5; referrer EUR 10. Confirm your route's offer in the app. |
| Eligibility | The referred friend must never have registered for Taptap Send before. |
| Minimum transfer | A minimum applies; its amount is not shown in the captured offer. Confirm it in the app. |
| Where to enter the code | Enter the BonusFoundry code when the provider shows a referral or promo-code field. |
| Code or referral link | BonusFoundry code: SALAHEDD1933 |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | October 3, 2026 |
| Official sources reviewed | Referral and promo code instructions, Referral Programme Terms and Conditions, Sending country guides, Sending from Europe |
| Provider | Wise |
|---|---|
| Reward | Wise may show different referral benefits by country, inviter account, product, and campaign. Confirm the live invite terms before relying on a bonus. |
| Eligibility | New Wise users who qualify under Wise's current referral or invitation terms. |
| Minimum transfer | Check the provider's live offer for the qualifying transfer amount. |
| Where to enter the code | Open the BonusFoundry referral link before creating the provider account. |
| Code or referral link | BonusFoundry referral link listed on the referral page. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | September 6, 2026 |
| Official sources reviewed | Wise official website, Wise international money transfer page, Wise bank transfer payment method, Wise availability checker |
| Provider | Remitly |
|---|---|
| Reward | Remitly referral rewards may change and depend on the active offer. The official terms say rewards may be a discount, bonus, fee-free transfer, gift card, or another reward type, and have no cash value unless Remitly states otherwise. |
| Eligibility | New users who satisfy Remitly's active offer requirements before their qualifying transfer. |
| Minimum transfer | Check the provider's live offer for the qualifying transfer amount. |
| Where to enter the code | Open the BonusFoundry referral link before creating the provider account. |
| Code or referral link | BonusFoundry referral link listed on the referral page. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | October 3, 2026 |
| Official sources reviewed | Remitly official website, Remitly United States website, Remitly United States to Morocco route, Remitly referral offer program |
| Provider | Sendwave |
|---|---|
| Reward | Eligible new users can receive €10 / $10 in Sendwave welcome credit with I4H9G, depending on the offer currency. Check the applicable offer in your Sendwave app. |
| Eligibility | New Sendwave users who have never previously completed a transaction through the Sendwave app. Country, transfer corridor, minimum-transfer and identity verification (KYC) conditions may apply. |
| Minimum transfer | Sendwave may set a minimum transfer for an eligible country or route; check the applicable amount in the app. |
| Where to enter the code | Enter the BonusFoundry code when the provider shows a referral or promo-code field. |
| Code or referral link | BonusFoundry code: I4H9G |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | October 3, 2026 |
| Official sources reviewed | Sendwave referral-program terms, Sendwave referral-program article, Sendwave promo-code terms (separate campaign rules), Sendwave official website |
| Provider | Ria |
|---|---|
| Reward | France: EUR 20 off for each person. United States: USD 10 off for the friend and USD 20 off for the referrer. Australia: AUD 30 off for each person. |
| Eligibility | New Ria customers with no previous Ria account or transfer history may qualify when both people are at least 18 and live in France, the United States, Australia, or Canada. |
| Minimum transfer | EUR 50 in France, USD 50 in the United States, or AUD 100 in Australia, sent in one qualifying international transfer. |
| Where to enter the code | Enter the BonusFoundry code when the provider shows a referral or promo-code field. |
| Code or referral link | BonusFoundry code: 9RMU-ENB7 |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | October 3, 2026 |
| Official sources reviewed | Ria refer-a-friend program, Ria France refer-a-friend, Claim a Ria referral reward, Ria missing referral discount help |
| Provider | Western Union |
|---|---|
| Reward | In the US flow reviewed, invited friends receive $0 transfer fee on their first international digital money transfer and both users receive rewards after all requirements are completed. The legal terms do not make that offer universal for every country. |
| Eligibility | New or invited users may be eligible only when the Western Union country site, app, or referral landing flow displays an active local offer for their account. |
| Minimum transfer | Country-specific; check the local Western Union referral terms and transfer flow. |
| Where to enter the code | Open the BonusFoundry referral link before creating the provider account. |
| Code or referral link | BonusFoundry referral link listed on the referral page. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | July 20, 2026 |
| Official sources reviewed | Western Union official website, Western Union US home, Western Union US Refer a Friend, Western Union US Refer a Friend FAQ |
| Provider | MoneyGram |
|---|---|
| Reward | The US Invite Friends page says new customers get $20 toward their first qualifying transfer and the referrer gets $20 on the next transfer after the friend completes their first one. |
| Eligibility | Eligibility depends on MoneyGram's active local offer, MoneyGram Plus Rewards status, account status, transfer channel, and transfer details. |
| Minimum transfer | The US page says the friend's first qualifying money transfer must be $50 or more. |
| Where to enter the code | Use the provider's own live referral, promo, or first-transfer offer when it appears. |
| Code or referral link | No separate BonusFoundry code or link is listed for this provider. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | July 20, 2026 |
| Official sources reviewed | MoneyGram official website, MoneyGram US home, MoneyGram US Invite Friends, MoneyGram US Help Center |
| Provider | WorldRemit |
|---|---|
| Reward | First-transfer and referral-related benefits can depend on the code, sender country, route, payment method, delivery method, and active campaign displayed by WorldRemit. |
| Eligibility | New users may qualify only when WorldRemit displays active promo, referral, or first-transfer terms for their sender country, route, payment method, and delivery method. |
| Minimum transfer | Offer-specific; check WorldRemit's displayed promo or referral terms. |
| Where to enter the code | Use the provider's own live referral, promo, or first-transfer offer when it appears. |
| Code or referral link | No separate BonusFoundry code or link is listed for this provider. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | September 6, 2026 |
| Official sources reviewed | WorldRemit official website, WorldRemit help surface |
| Provider | Paysend |
|---|---|
| Reward | Sign up through the Paysend referral link for a fee-free first transfer, then receive a $5 USD bonus after your second transfer of $100 USD or more. |
| Eligibility | New Paysend users who sign up through the referral link and meet the live offer's country, route and verification requirements. The first transfer is fee-free; the $5 USD bonus requires a second transfer of $100 USD or more. |
| Minimum transfer | The second transfer must be $100 USD or more to qualify for the $5 USD bonus. The invitation does not specify a minimum for the fee-free first transfer. |
| Where to enter the code | Open the BonusFoundry referral link before creating the provider account. |
| Code or referral link | BonusFoundry referral link listed on the referral page. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | October 3, 2026 |
| Official sources reviewed | Paysend official website, Paysend US bonus page, Paysend UK home, Paysend US home |
| Provider | LemFi |
|---|---|
| Reward | Manually verified offer: €10 or $10 after a qualifying €100 or $100 transfer. The Europe invite-and-earn page says both users can receive EUR 10 after the referred friend signs up, verifies, and sends over EUR 100 in one transfer. |
| Eligibility | New users may be eligible when they sign up with a valid LemFi referral code, verify their account, and complete the qualifying transfer shown in LemFi's terms. Europe campaign referrer rewards require an existing fully verified LemFi Europe account. |
| Minimum transfer | €100 or $100 for the manually verified offer; over EUR 100 for LemFi's Europe invite-and-earn page. |
| Where to enter the code | Enter the BonusFoundry code when the provider shows a referral or promo-code field. |
| Code or referral link | BonusFoundry code: SALABGWQ |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | September 6, 2026 |
| Official sources reviewed | LemFi official website, LemFi Europe Invite and Earn, LemFi Europe Referral & Earn campaign, LemFi Europe promotions |
| Provider | Xe |
|---|---|
| Reward | The US page says the referrer gets $50 for each referral and both users get to choose a gift card if the friend makes a qualifying transfer. |
| Eligibility | Eligibility depends on Xe's active referral or promotion terms, sender country, account type, transfer route, verification status, and whether the user is new to the relevant Xe flow. |
| Minimum transfer | Xe's US landing page reviewed says the friend must make a first qualifying transfer. Check Xe's live referral flow for the current qualifying amount. |
| Where to enter the code | Use the provider's own live referral, promo, or first-transfer offer when it appears. |
| Code or referral link | No separate BonusFoundry code or link is listed for this provider. |
| Typical transfer speed | Route, destination, payment method, payout method, and verification status control timing. |
| Last verified | July 20, 2026 |
| Official sources reviewed | Xe official website, Xe Send Money page, Xe US Refer a Friend, Xe Help Centre |
This route should compare US funding methods, Morocco receiving options, and whether a provider rewards only the first qualifying transfer.
Relevant receiving options: Bank deposit where the provider supports Morocco., Cash pickup through providers with agent-network support., Mobile wallet or local account delivery only when the route flow shows it., Card or account delivery where supported by the selected provider.
Read USA to Morocco corridor guideThis route should prioritize live route confirmation, because provider-level coverage can be broad while Egypt payout methods vary by transfer flow.
Relevant receiving options: Bank deposit where supported for Egypt., Cash pickup through providers with agent-network support., Wallet or local delivery only when visible in the USA to Egypt route., Card or account delivery only when the selected provider shows it.
Read USA to Egypt corridor guideThis route often needs comparison between mobile money, bank delivery, cash pickup, and first-transfer reward eligibility.
Relevant receiving options: Mobile money where supported by the selected provider., Bank deposit where the provider shows a Ghana bank route., Cash pickup through providers with agent-network support., Wallet or local account delivery only when visible in the live route.
Read USA to Ghana corridor guideThis route should be checked for destination support, bank or cash payout availability, and first-transfer verification timing.
Relevant receiving options: Bank deposit where the provider supports Ethiopia., Cash pickup through providers with agent-network support., Wallet or local delivery only when shown in the live route., Digital delivery only when the recipient can use the supported account or wallet.
Read USA to Ethiopia corridor guideThis route often needs comparison between mobile wallet delivery, bank deposit, cash pickup, and US funding method tradeoffs.
Relevant receiving options: Mobile wallet where supported by the selected provider., Bank deposit where the provider shows a Kenya bank route., Cash pickup through providers with agent-network support., Local account delivery only when visible in the USA to Kenya route.
Read USA to Kenya corridor guideThis route should compare US funding methods, Nigeria receiving options, and whether a provider's referral terms are US-specific or route-specific.
Relevant receiving options: Bank deposit where the provider supports Nigeria., Mobile wallet or local delivery where available., Cash pickup through agent-network providers., Digital-only delivery only when the recipient can use the supported account or wallet.
Read USA to Nigeria corridor guide| Payment methods | Debit card or credit card where the provider supports card funding., Bank account, ACH, or local account debit where available in the provider flow., Wire or bank transfer where the provider accepts it for US accounts., Cash payment at an agent location where agent transfers are supported. |
|---|---|
| Receiving methods | Bank deposit where the destination route supports account delivery., Mobile wallet or mobile money where the recipient country and provider support it., Cash pickup where an agent-network provider supports the destination., Card, local account, airtime, or other delivery methods only when shown in the provider's live route flow. |
| Verification requirements | US senders may need identity verification before the first transfer is released., Providers may request payment verification, proof of address, or source-of-funds information depending on amount and route., Recipients using cash pickup may need a valid ID and pickup details that match the transfer record., Verification can delay both delivery and referral or welcome reward timing. |
| Provider choice | Best for checking referral rewards: Start with providers where BonusFoundry lists an owned code or link, then confirm the US route is eligible in the live terms. Best for bank deposits: Compare providers that show bank-account delivery for the destination and use the total received amount, not only the visible fee. Best for mobile wallet transfers: Use wallet-focused providers only when the destination route shows the recipient wallet or mobile money option. Best for cash pickup: Use agent-network providers when the recipient needs cash collection and can meet local pickup ID requirements. Best for broad country coverage: Use broad global providers as backups when specialist apps do not support the destination or payout method. Best for first-time users: Choose the provider with the clearest signup, verification, payment method, and recipient setup for the destination. |
| Provider | Best for | Reward note | Eligibility check |
|---|---|---|---|
| Taptap Send | Supported destination routes where the referral code is accepted during the first transfer. | Owner's app offer: EUR 5 for the referred friend with code SALAHEDD1933. Minimum and geographic scope must be checked in the app. | The referred friend must never have registered for Taptap Send before. |
| 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. | New Wise users who qualify under Wise's current referral or invitation terms. |
| 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. | New users who satisfy Remitly's active offer requirements before their qualifying transfer. |
| Sendwave | Mobile wallet or digital delivery routes shown in the live flow. | The BonusFoundry Sendwave referral code is I4H9G. Enter the referral code in the Sendwave app before completing your first transaction. Eligible new users can receive €10 / $10 in Sendwave welcome credit with I4H9G, depending on the offer currency. Check the applicable offer in your Sendwave app. | New Sendwave users who have never previously completed a transaction through the Sendwave app. Country, transfer corridor, minimum-transfer and identity verification (KYC) conditions may apply. |
| Ria | Cash pickup and agent-network coverage. | BonusFoundry's publisher supplies Ria referral code 9RMU-ENB7. Ria's official rewards vary by residence: France EUR 20 for each person with a EUR 50 minimum, United States USD 20 for the referrer and USD 10 for the friend with a USD 50 minimum, and Australia AUD 30 for each person with an AUD 100 minimum. | New Ria customers with no previous Ria account or transfer history may qualify when both people are at least 18 and live in France, the United States, Australia, or Canada. |
| 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 BonusFoundry does not treat the US offer as a universal global reward. | New or invited users may be eligible only when the Western Union country site, app, or referral landing flow displays an active local offer for their account. |
| MoneyGram | Official referral 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. | Eligibility depends on MoneyGram's active local offer, MoneyGram Plus Rewards status, account status, transfer channel, and transfer details. |
| WorldRemit | Routes with bank, wallet, cash pickup, airtime, or mobile money options. | WorldRemit can show promo, referral, or first-transfer offers in its own app, help, or checkout flow. Use the current WorldRemit offer shown for your account, sender country, destination, payment method, and delivery method. | New users may qualify only when WorldRemit displays active promo, referral, or first-transfer terms for their sender country, route, payment method, and delivery method. |
| Paysend | Card, bank, or wallet routes where Paysend shows destination support and referral terms. | Sign up through the Paysend referral link for a fee-free first transfer, then receive a $5 USD bonus after your second transfer of $100 USD or more. | New Paysend users who sign up through the referral link and meet the live offer's country, route and verification requirements. The first transfer is fee-free; the $5 USD bonus requires a second transfer of $100 USD or more. |
| LemFi | Diaspora-focused routes where LemFi supports the USA sender and destination market. | The LemFi offer was manually verified as a €10 or $10 bonus after a qualifying transfer of €100 or $100, and the code remains valid. LemFi's Europe invite-and-earn page also says both users can receive EUR 10 when a referred friend signs up, verifies, and sends over EUR 100 in one transfer. | New users may be eligible when they sign up with a valid LemFi referral code, verify their account, and complete the qualifying transfer shown in LemFi's terms. Europe campaign referrer rewards require an existing fully verified LemFi Europe account. |
| 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. Use Xe's own referral entry point or app code when the offer is available for your account. | Eligibility depends on Xe's active referral or promotion terms, sender country, account type, transfer route, verification status, and whether the user is new to the relevant Xe flow. |
| Official link | Type | What was verified | Last checked |
|---|---|---|---|
| Referral and promo code instructions | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Referral Programme Terms and Conditions | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Sending country guides | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Sending from Europe | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Sending from the United States | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Transfer fees | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Exchange rates | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Transfer delivery times | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Regulatory licenses | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Contact Taptap Send support | Official provider source | Taptap Send availability, referral, verification, support, or payment-method information | October 3, 2026 |
| Wise official website | Official provider source | Wise availability, referral, verification, support, or payment-method information | July 28, 2026 |
| Wise international money transfer page | Official provider source | Wise availability, referral, verification, support, or payment-method information | July 28, 2026 |
Reward, eligibility, verification, support, and source notes for Taptap Send.
Referral-code, link, timing, and missing-reward checks for Taptap Send.
Reward, eligibility, verification, support, and source notes for Wise.
Referral-code, link, timing, and missing-reward checks for Wise.
Reward, eligibility, verification, support, and source notes for Remitly.
Referral-code, link, timing, and missing-reward checks for Remitly.
Reward, eligibility, verification, support, and source notes for Sendwave.
Referral-code, link, timing, and missing-reward checks for Sendwave.
Reward, eligibility, verification, support, and source notes for Ria.
Referral-code, link, timing, and missing-reward checks for Ria.
Reward, eligibility, verification, support, and source notes for Western Union.
Referral-code, link, timing, and missing-reward checks for Western Union.
Reward, eligibility, verification, support, and source notes for MoneyGram.
Referral-code, link, timing, and missing-reward checks for MoneyGram.
Reward, eligibility, verification, support, and source notes for WorldRemit.
Referral-code, link, timing, and missing-reward checks for WorldRemit.
This route should compare US funding methods, Morocco receiving options, and whether a provider rewards only the first qualifying transfer.
This route should prioritize live route confirmation, because provider-level coverage can be broad while Egypt payout methods vary by transfer flow.
This route often needs comparison between mobile money, bank delivery, cash pickup, and first-transfer reward eligibility.
This route should be checked for destination support, bank or cash payout availability, and first-transfer verification timing.
This route often needs comparison between mobile wallet delivery, bank deposit, cash pickup, and US funding method tradeoffs.
This route should compare US funding methods, Nigeria receiving options, and whether a provider's referral terms are US-specific or route-specific.
Related guide for referral, welcome-bonus, and signup decisions.
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Short answers for referral, promo, eligibility, and verification questions.
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