Top Apps to Invest & Send Money Internationally: IBKR, Wise, Ria Money Transfer & More

By switching from high-street banks to modern fintech platforms—and claiming their referral bonuses—you can save thousands of dollars every year.

1. Global Stock & ETF Investing

Claim up to $1,000 in free IBKR stock on Interactive Brokers (invite link), and get a free fractional share on Trade Republic (Code: 35j1b58q).

2. International Money Transfers (Bank, Mobile Money & Cash Pickup)

Get a fee-free transfer up to £500/$600 on Wise (invite link), unlock a $0 fee / first-transfer discount across 500,000+ cash pickup locations and African Mobile Money wallets with Ria Money Transfer (Code: XWEJ-PJPW — read our complete Ria Africa Transfer Guide), claim $10/£10/€10 free on TapTap Send (Code: BENOIT1123) and Sendwave (Code: UVY73), plus a $10 reward on PayPal.