$626 billion sent from the US in remittances every year.

Source: World Bank Remittance Data, 2024

When families depend on it arriving, complaint rates matter.

RANKINGS · MONEY TRANSFERS

Money Transfers Complaint Rates

Money transfer and remittance providers ranked by complaint rate. Covers international wires, peer-to-peer apps and prepaid debit products.

All BanksCredit CardsMortgageChecking & SavingsPersonal LoansStudent LoansAuto LoansMoney TransfersDebt Collection
INSTITUTIONS RANKED
50
of 458 total
CATEGORY AVERAGE
0.00
complaints per 1k customers
BEST PERFORMER
0.00
Chime Financial Inc
WORST PERFORMER
0.03
OPTUM BANK, INC.
Not sure if your provider is good enough?See what the data means for you and what to do about it.
⚠️

How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.

#iInstitutionRate / 1kiComplaintsiTimelyiRisk Leveli
1
OPTUM BANK, INC.
0.03/1k
56100%Low Risk
2
BANK OF AMERICA, NATIONAL ASSOCIATION
0.03/1k
6,71998%Low Risk
3
BARCLAYS BANK DELAWARE
0.02/1k
76100%Low Risk
4
EAST WEST BANK
0.02/1k
11797%Low Risk
5
CATHAY BANK
0.01/1k
26100%Low Risk
6
FIRST NATIONAL BANK OF OMAHA
0.01/1k
31100%Low Risk
7
WEBSTER BANK, NATIONAL ASSOCIATION
0.01/1k
62100%Low Risk
8
FIRSTBANK PUERTO RICO
0.01/1k
13100%Low Risk
9
FIRST HORIZON BANK
0.01/1k
5398%Low Risk
10
EVERBANK, NATIONAL ASSOCIATION
0.01/1k
29100%Low Risk
11
COMMERCE BANK
0.01/1k
2095%Low Risk
12
GOLDMAN SACHS BANK USA
0.01/1k
313100%Low Risk
13
MIDFIRST BANK
0.01/1k
17100%Low Risk
14
FIRSTBANK
0.01/1k
16100%Low Risk
15
FIRST NATIONAL BANK OF PENNSYLVANIA
0.01/1k
2496%Low Risk
16
BANCO POPULAR DE PUERTO RICO
0.01/1k
29100%Low Risk
17
WESBANCO BANK, INC.
0.01/1k
11100%Low Risk
18
POPULAR BANK
0.00/1k
5100%Low Risk
19
HANCOCK WHITNEY BANK
0.00/1k
12100%Low Risk
20
MECHANICS BANK
0.00/1k
7100%Low Risk
21
BANK OZK
0.00/1k
12100%Low Risk
22
WAFD BANK
0.00/1k
786%Low Risk
23
BANKUNITED, NATIONAL ASSOCIATION
0.00/1k
7100%Low Risk
24
UNITED COMMUNITY BANK
0.00/1k
5100%Low Risk
25
CITY NATIONAL BANK
0.00/1k
13100%Low Risk
26
UBS BANK USA
0.00/1k
9100%Low Risk
27
STATE STREET BANK AND TRUST COMPANY
0.00/1k
667%Low Risk
28
CHARLES SCHWAB CORPORATION, THE
0.00/1k
94100%Low Risk
29
Comerica
0.00/1k
139100%Low Risk
30
UNITED SERVICES AUTOMOBILE ASSOCIATION
0.00/1k
673100%Low Risk
31
Klarna AB
0.00/1k
14586%Low Risk
32
Revolut Technologies Inc.
0.00/1k
12598%Low Risk
33
Foris DAX, Inc.
0.00/1k
88999%Low Risk
34
Coinbase, Inc.
0.00/1k
8,720100%Low Risk
35
M&T BANK CORPORATION
0.00/1k
166100%Low Risk
36
KEYCORP
0.00/1k
177100%Low Risk
37
Winklevoss Exchange LLC
0.00/1k
1,16198%Low Risk
38
BMO Bank, N.A.
0.00/1k
213100%Low Risk
39
Blackhawk Network Holdings Inc.
0.00/1k
3997%Low Risk
40
BANK OF NEW YORK MELLON CORPORATION, THE
0.00/1k
21396%Low Risk
41
PNC Bank N.A.
0.00/1k
2,418100%Low Risk
42
WESTERN UNION COMPANY, THE
0.00/1k
2,831100%Low Risk
43
Zip Co US Inc.
0.00/1k
3990%Low Risk
44
WorldRemit Corp.
0.00/1k
24692%Low Risk
45
HEARTLAND PAYMENT SYSTEMS INC
0.00/1k
4698%Low Risk
46
BOEING EMPLOYEES' CREDIT UNION
0.00/1k
4696%Low Risk
47
Sigue Corp.
0.00/1k
24861%Low Risk
48
AXOS FINANCIAL, INC.
0.00/1k
39100%Low Risk
49
VYSTAR CREDIT UNION
0.00/1k
39100%Low Risk
50
Chime Financial Inc
0.00/1k
2,958100%Low Risk

Transfer delays and unexpected fees on international remittances drive the majority of complaints in this category - especially for services targeting immigrant communities. Read our full methodology →

WHAT TO DO ABOUT IT
WHAT THIS MEANS FOR YOU
i

A high complaint rate means when you send money to family abroad, it is more likely to be delayed, held, or hit with hidden fees.

When you send $500 to a family member overseas and it does not arrive for a week, when your transfer gets held for unexplained review, or when the fees at arrival are double what you were shown at checkout - your provider's complaint rate predicted this. For families who depend on remittances arriving on time, this is not an abstract number. It is the difference between rent paid on time and a week of uncertainty.

THE FIX
i

Switching transfer providers takes minutes. Most top-rated providers offer a fee-free first transfer so you can test the service with zero risk. Transfer fees vary from 0.5% to 5% for the same corridor - switching often saves real money too.

THE DATA
i
HIGHEST COMPLAINT RATE
0.03/1k
OPTUM BANK, INC.
LOWEST COMPLAINT RATE
0.00/1k
Chime Financial Inc
  • Best-rated providers deliver 95%+ of transfers on time vs under 70% at the worst
  • Transfer fees vary from 0.5% to 5% for the same corridor - complaint rate and price often diverge
  • Top-rated providers offer live chat resolution in under 5 minutes
  • Wise averages 4-8x cheaper than bank wire transfers for most corridors
TOP PERFORMERS
i

These institutions handle complaints the best in this category. Click any name to see their full profile.

Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →

Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing