BOSS Money Detailed Review

Rates, Fees, Limits, Safety and More

Last updated: May 14, 2025

What is BOSS Money? An introduction

BOSS Money, through its popular and free app, provides fast, secure, and reliable international money transfers from the United States and Canada to 50 countries across Latin America, the Caribbean, Africa, Europe and South Asia.

BOSS Money customers can choose from over 235,000 payout locations in these destinations. Payout options include cash pick-up, mobile money, bank deposit, debit card direct deposit and home delivery.

Customers can fund their transfers with their debit or credit cards or authorize ACH transfers from their bank accounts.

The BOSS Money app offers customers low fees and competitive exchange rates to ensure savings on their money remittances.

BOSS Money company information

BOSS Money is the money transfer brand of IDT Corporation (IDT). IDT was founded in 1990 and is a global provider of fintech and communications solutions. The Company employs more than 1,850 professionals globally and is listed on the New York Stock Exchange.

IDT launched its BOSS Revolution branded international long-distance calling service in 2008. Utilizing PIN-less technology, IDT's new offering quickly became the go-to service for immigrant families who wanted an affordable and reliable way to call back home.

In 2013, IDT launched BOSS Money to provide its customers with a reliable and affordable way to share resources with friends and family back home.

BOSS Money by the numbers

The below statistics help put BOSS Money's financial and customer reach and impact in perspective.

• Over 3 million Boss Revolution customers
• Approximately 25 million remittances annually
• USD 5 Billion transferred annually
• 12+ years in the money remittance business

BOSS Money is owned and operated by IDT Corporation, and is a safe, reliable and cost-effective way to send money internationally.

What services does BOSS Money provide?

BOSS Money makes it easy for individuals to send money and airtime top-up to friends and family across popular destinations worldwide.

Which countries does BOSS Money operate in?

BOSS Money is available in the United States and Canada to send money to 50 countries, including some of the most popular destinations in Latin America, the Caribbean and Africa.

You can also send airtime top-up to 95 countries and 285 mobile operators.

Where can I send money from with BOSS Money?

BOSS Money customers can send money from the United States and Canada using the Boss Money app, the Boss Revolution app or Boss Money licensed retail locations.

Note that BOSS Money services are not available in the following US States and Territories:

• Puerto Rico
• Vermont
• South Dakota
• Oklahoma

Where can I send money to with BOSS Money?

BOSS Money allows consumers to send money to 50 countries around the world in USD or local currency. BOSS Money has an extensive payer network in Latin America, Caribbean, Africa, Europe and South Asia.

You can send money as well as airtime top-up with BOSS Money from the US and Canada to more than 50 global destinations.

What are BOSS Money's fees and exchange rates?

BOSS Money fees depend on the destination country and form of payout, among other factors, but are usually lower than competitor's rates.

For example, BOSS Money offers a USD 0 fee on the first 2 money transfers in the apps. For transfers to Mexico, BOSS Money offers a USD 0 fee on the first 5 money transfers in the apps.

Money transfers to Venezuela enjoy a $0 fee until August 1, 2025. Similarly, money transfers to Nigeria, Ghana, Kenya, Senegal and Uganda enjoy USD 0 fee in the apps always.

You can easily estimate your fees and exchange rates for the destination of your money transfer with the Boss Money price estimator in the apps or at their website.

Are BOSS Money exchange rates good?

BOSS Money tends to have very competitive exchange rates.

Boss Money is so confident in their exchange rates that they make it easy for consumers to compare BOSS Money's exchange rates with other competing services directly in the BOSS Money app. Boss Money wants its customers to see how much they save with BOSS Money.

That said, we always suggest to our readers to always shop around and see what other remittance service providers are offering. More information will help you best choose a partner to send money with. When you compare money transfer providers, the chances of your getting the most benefit on your international money transfers increase significantly.

Whilst you can compare remittance companies manually, a quick and convenient way to do so is to rely on RemitFinder's online money transfer comparison engine. RemitFinder compares umpteen providers side-by-side to give you accurate and updated information about exchange rates and deals.

Is BOSS Money a cheap way to send money overseas?

BOSS Money has one of the most competitive fees in the market.

In addition to providing a USD 0 fee on the first two money transfers, BOSS Money offers minimal or zero fees for subsequent transfers to certain payers and destinations based on the delivery method chosen for your beneficiary.

Here are some examples of BOSS Money promotions that are live through July 31, 2025:

• Africa
  • USD 0 Fee to Mobile Wallets in Cameroon
  • USD 0 Fee to Ghana Bank Deposits and Mobile Wallets
  • USD 0 Fee to Kenya Mobile Wallets
  • USD 0 Fee to Nigeria Bank Deposits
  • USD 0 Fee to Uganda Mobile Wallets and Bank Deposits
  • USD 0 Fee to Senegal Mobile Wallets and Bank Deposits
• Latin America and the Caribbean
  • USD 0 Fee to Banco BHD when sending Pesos for Bank Deposit, Cash Pick Up or Mobile Wallet
  • USD 0 Fee to Dominican Republic and Guatemala for Direct to Debit Card deposits
  • USD 0 Fee to Dominican Republic BOSS Money Home Delivery
  • USD 0 Fee to Genesis Empresarial in Guatemala for Cash pick up
  • USD 0 Fee to Bantrab in Guatemala for Bank Deposits
  • USD 0 Fee to Mobile Wallets in Guatemala
  • USD 0.99 to GyT in Guatemala for bank deposits and Cash Pick Up
  • USD 0.99 Fee to Mexico Mobile Wallets – Techreo, Bankaya and Mercado Pago
  • USD 0.99 Fee to Nequi Mobile Wallets in Colombia
  • USD 0.99 Fee to Daviplata Mobile Wallets in Colombia
  • USD 0 Fee to Interbank in Peru
  • USD 0 Fee to Yape Mobile Wallet in Peru
  • USD 0 Fee to Venezuela Bank Deposits
  • USD 0 Fee to PIX for Bank Deposits in Brazil
  • USD 1.99 Fee to Jamaica for Direct to Debit Card deposits

How do I avoid BOSS Money fees?

BOSS Money offers very low fees for customers who pay with their debit card or bank account transfer. BOSS Money also offers monthly promotions featuring even larger discounts.

How much money can I send with BOSS Money?

With BOSS Money you can send as little as USD 10 up to USD 2,999.

This sending amount limit may vary for specific countries where the send amounts are limited by the payer or local government. You can check the money transfer limits for your country on the app or website.

You can send up to USD 2,999 in a single international money transfer with BOSS Money.

How long does it take for BOSS Money to send money overseas?

Money is sent within minutes to the beneficiary via cash pickup or deposit to the beneficiary's bank account, mobile wallet or in-country debit card.

Most BOSS Money international money transfers finish within just a few minutes.

How can I pay for my BOSS Money money transfer?

To be able to complete an international money transfer, you first need to send your funds in local currency to the money transfer company you choose. The mechanism to pay for your remittance transaction is called a payment method.

BOSS Money allows you to pay for your money transfers in the apps with a debit or credit card or through a bank account transfer.

Also, you can also pay in cash at any licensed BOSS Money retailer nationwide.

You can pay for your BOSS Money remittance via your bank account, debit card, credit card or cash at a retail location.

Which payment method should I use to pay for my BOSS Money money transfer?

This depends on your needs and preferences; we present some tips below.

• To minimize the impact of fees, use debit card or bank account since credit card payments incur high fees.
• If you wish to send money urgently, pay with cash as BOSS Money would not need to wait to receive your funds. By paying with cash, your transfer can begin instantly.

How can my recipient get paid with BOSS Money?

The method you choose to credit your overseas receiver is generally called a delivery method. BOSS Money supports the following delivery methods:

• Cash Pickup: Money is available at over 200,000 partner locations worldwide.
• Bank Deposit: Money is deposited directly into the beneficiary's bank account.
• Mobile Wallet: Money is deposited into the beneficiary's mobile wallet.
• Direct Deposit to a Debit Card: Money is credited to the beneficiary's debit card (this service is available in Mexico, Guatemala, Dominican Republic, Honduras, Jamaica and the Philippines).
• Home Delivery: Money is delivered to the beneficiary's domicile, local address (this service is available in the Dominican Republic).

BOSS Money supports numerous flexible delivery options that include Cash Pickup, Bank Deposit, Mobile Wallet, Debit Card Deposit and Home Delivery. Some options are available in certain countries only - make sure to check available delivery options for your recipient's country.

Which delivery method should I use for my BOSS Money money transfer?

The choice of the best delivery method depends on your and your recipient's choices and requirements. Here are some general best practices to consider:

• Bank deposit is always a safe and secure option when your recipient has a bank account and does not need funds urgently.
• In case your overseas recipient needs money urgently, you can opt for cash pickup as funds are available quickly for pickup.
• Some people pay bills and shop using their debit card or mobile wallet only; in such cases, you can choose those delivery options.
• If your recipient is unable to access funds digitally and cannot go for cash pickup either, you can choose home delivery - this will incur an extra fee though.

Are there any BOSS Money coupon codes or promotions I can use?

BOSS Money offers monthly promotions where customers receive a promotional code that will discount the fee. BOSS Money also offers promotional codes for certain destinations that add a bonus amount to the amount of money being transferred.

Additionally, BOSS Money also provides new RemitFinder customers with a better exchange rate as a promotion on their first money transfer.

If BOSS Money runs any offers or promotions in the future, we will add them on this page. Check this BOSS Money review periodically to ensure that you do not miss out on any future deals.

Whilst you can check for BOSS Money deals and discounts manually, doing so is time consuming. A better way is to sign up for the RemitFinder daily exchange rate alert. Our daily alert is totally free of cost; we will keep you posted on exchange rates and latest offers from many money transfer companies.

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How can I find BOSS Money near me?

Boss Money remittance services are available through approximately two thousand licensed BOSS Money agents nationwide. Customers who prefer to pay with cash can complete their transaction at a licensed agent. They will also be able to track their in-store transaction status through the BOSS Money app.

What is the best way to find a BOSS Money Sending Location near me?

To find one of the licensed BOSS Money agents close to your location, simply go to the BOSS Money app and look for one.

Why should I go to an BOSS Money Sending Location to send money in person?

The biggest advantage of sending money at a licensed BOSS Money agent location is the ability to pay using cash. This can be useful in case you wish to rush money urgently to your overseas recipient.

Since BOSS Money gets your funds instantly as cash, they can start working on your transfer without delays.

What is the best way to find an BOSS Money Payment Location overseas?

If you choose Cash Pickup as your delivery option for your overseas recipient, you can pick the location that they will go to collect the funds. Make sure to provide the correct location to your recipient, and ask them to carry a photo ID for identification.

Is BOSS Money a safe way to send money abroad?

BOSS Money is a trusted brand that prioritizes the safety of your money and personal information. Boss Money takes the security and the confidentiality of its customers' personal information very seriously.

All online transactions are conducted according to the highest level of security standards and SSL encryption to prevent customer information from being intercepted.

In addition, BOSS Money helps customers understand fraud and provides tips on how to prevent it.

BOSS Money is also fully PCI compliant for the protection of its customers and their information.

To send your money safely, BOSS Money follows industry best practices and KYC (know your customer) to ensure that you are sending your money to the correct recipient and not someone who is not authorized.

BOSS Money implements security protocols and encryption in a bid to keep their customers' money and information safe.

Can I trust BOSS Money?

A major aspect of trusting a financial institution entails inspecting their legal and regulatory status in the countries of their operation. When it comes to BOSS Money, we notice the below pertinent information.

BOSS Money money transfer products and payment services are provided by IDT Payment Services, which is a licensed money transfer operator and complies with legal and regulatory requirements. IDT Corporation has been in business for over 30 years and is a New York Stock Exchange listed company.

How good is BOSS Money's service?

One of the most reliable ways to check if a service is good or not is to see what other customers have to say about it. We will do the same to see if BOSS Money's customers are happy with their service or not.

What do users have to say about BOSS Money?

In this section, we look into BOSS Money's ratings and reviews^ on popular review platforms and major mobile app stores to see what users think about their service.

• On Trustpilot, BOSS Money is rated 4.6/5.0 with almost 5k reviews
• On the Google Play Store, BOSS Money is rated 4.8/5.0 with 49.5K reviews and more than 1 million downloads
• On the Apple App Store, BOSS Money is rated 4.8/5.0 with 51.1K ratings

^Ratings on various platforms as on May 14, 2025

BOSS Money has excellent ratings and reviews on Trustpilot as well as mobile app stores. Customers seem to like their international money transfer service.

Have you used BOSS Money yet? If so, please consider leaving a review on RemitFinder so other users can benefit from your expertise and experience.

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Is BOSS Money the best choice for me?

Given our detailed analysis of BOSS Money international money transfer service and related aspects, it is clear that BOSS Money has many strengths. Here are some areas where we find BOSS Money standing tall in the international remittance use case:

• 0 Fee on first 2 transfers: RemitFinder users get their first 2 transfers for free when they sign up with Boss Money and send money internationally. This helps you save even more on your international remittances.
• Competitive exchange rates: BOSS Money provides highly competitive exchange rates, which helps you put more money into your overseas recipient's pocket. You can further amplify your savings when you pay with a debit card or bank account.
• Flexible payment and delivery options: BOSS Money provides many flexible payment and delivery options that helps you and your recipient navigate various scenarios. For example, if your recipient does not have a bank account, you can send money into their mobile wallet or for cash pickup.
• Convenience and accessibility: Send money at any time and from the convenience of your home or work.
• Seamless user experience: Your money transfer with BOSS Money can be sent within a few minutes with just a few clicks on their user-friendly mobile app.
• Reliability and peace of mind: Know the status of your money transfer at all times with text message and email alerts and the ability to track your transfer right in the app.
• Security: BOSS Money implements industry-standard security that helps keep your transactions and personal information safe.

RemitFinder likes BOSS Money for providing low fees, competitive exchange rates, highly flexible payment and delivery options, 2 free transfers for RemitFinder users, highly rated user-friendly mobile app as well as a secure and reliable money transfer platform.

BOSS Money has been providing remittance services for more than 12 years. More than 1 million customers trust and value Boss Money's fast and reliable money transfer service.

What are the best reasons to use BOSS Money?

BOSS Money's key advantages make it a very good choice for quite a few international money transfer use cases. Based on the in-depth analysis that we have conducted on BOSS Money's remittance service in prior sections of this review, we notice that it can be a great fit for many international money transfer scenarios.

Here are some examples where BOSS Money can prove to be a reliable ally for your next overseas funds transfer.

• If you wish to save on your international money transfers, BOSS Money could be a good choice given their competitive exchange rates and low fees. Another plus is that RemitFinder users get their first 2 transfers for free, thereby saving even more.
• Sometimes recipients do not have a bank account, or do not want to share their bank information. In such cases, BOSS Money can be a reliable partner as you can send money using additional methods like mobile wallet, cash pickup and home delivery.
• In case you need to rush money overseas urgently, you can pay with cash as well as use cash pickup for your overseas receiver. This will speed up the transaction and your recipient will be able to access the money quickly.
• We all want peace of mind and security, especially when our money and private information are on the table. BOSS Money implements numerous industry standard security policies to keep your information and funds safe.
• BOSS Money has excellent ratings and reviews on popular platforms like Trustpilot, Google Play Store as well as Apple App Store. This helps assure new customers that their service is good since hundreds of thousands of users have given very positive reviews.

BOSS Money's strengths and advantages make it a very good choice for many money transfer scenarios for remitting money internationally.

What type of transfers can I make with BOSS Money?

With BOSS Money you can safely and quickly send money transfers to 50 countries worldwide.

You can also send international mobile top ups to over 285 mobile carriers in 95 countries.

What are various ways to send money with BOSS Money?

You can place your BOSS Money international money transfer orders in a variety of ways that include the below options:

• BOSS Money mobile app
• BOSS Revolution mobile app
• BOSS Money money transfer agents

How to send and receive money with BOSS Money?

It is quick and easy to send money internationally with BOSS Money. In fact, the whole flow from start to finish can be completed on any of BOSS Money's channels to send money with in just a few minutes. Check out the section below for the exact steps needed to do an overseas money transfer with BOSS Money.

Step by step guide to send money with BOSS Money

With BOSS Money, sending money overseas takes only a few clicks. Here are the steps you need to undertake to finish an end-to-end money transfer with BOSS Money:

• Step 1: Decide if you want to send your next money transfer with BOSS Money. With the recent explosion of money transfer operators, it may seem daunting to even choose who to go with. One helpful way to reach a decision is to compare various money transfer companies using RemitFinder's real-time money transfer comparison platform. RemitFinder does all the heavy lifting to assist you to easily compare the relative strengths and weaknesses of many remittance companies side by side. This can really help you to narrow down the choices that meet your selection criteria and therefore, help you to select who to go with.





• Step 2: Download the BOSS Money app. Once you have determined that BOSS Money is your chosen partner for your next money transfers, download the BOSS Money app in your Google Play or Apple Store (depending on whether you have an Android or iOS device).
• Step 3: Create your BOSS Money account. Create your new BOSS Money account by registering as a new user. Note that you will need to provide your name, phone number, email address and residential address.
• Step 4: Select recipient and destination country. Choose the country and payer where you want to send the money transfer.
• Step 5: Add recipient information. Next, enter additional details about the recipient. You may have to provide their name, address, phone number and ID information - the needed information may vary depending on your chosen delivery option.
• Step 6: Enter your preferred payment method. BOSS Money will need your funds, so the next step is to choose your preferred payment method to fund your transfer.
• Step 7: Submit your transaction. Finally, if all looks OK, submit your transaction. You can find out the status and progress of your transfer at all times in the app.

It is quick and easy to send money overseas with BOSS Money. The whole process takes only a few clicks using the BOSS Money mobile app.

How can BOSS Money help me send money?

BOSS Money helps you send money to family and friends easily and safely with low fees and excellent exchange rates. The first 2 money transfers in the app are 0 fee and if you are sending to Mexico the first 5 transfers are 0 fee.

If you need help in sending your first international money transfer with BOSS Money, check out our step-by-step guide in the above section.

Do I need a BOSS Money account to receive money?

No, your overseas beneficiary does not need a BOSS Money account to receive a money transfer from BOSS Money.

This is because the funds can be sent to the beneficiary to be received via cash pick up or direct deposit to their bank account, mobile wallet or in-country debit card.

Does BOSS Money have a mobile app?

BOSS Money has mobile apps for both Android and iOS users. The Boss Money app has excellent ratings in both the iOS store as well as the Google Play store.

You can send money safely and easily from the BOSS Money App. The app allows you to:

• Conveniently send money anytime, anywhere
• Check exchange rates instantly
• Track your money transfer

How do I track my BOSS Money transfer?

You can check the status of your money transfer in the BOSS Money app. You will also receive text messages and/or emails with the status of your transfer.

In addition, you can contact customer support directly from the app for assistance via chat, email or phone.

Can I use BOSS Money for international bank transfers?

Yes, you can simulate an international bank transfer using BOSS Money. To do this, use a bank account as both the payment as well as delivery option for your remittance.

This way, the funds will go directly from your local bank account into your recipient's overseas bank account.

Although you can do this using banks as well, but BOSS Money will provide you with much better exchange rates, lower fees and faster transfer times.

Is BOSS Money online better than sending money in-person in stores?

Sending money with the BOSS Money app is a more convenient and easy option to send money. No matter what time of day or whether you are at work or at home, you can send money in the app with just a few clicks.

Additionally, BOSS Money often features special promotional fees and rates for transactions completed through the app.

That said, if you want to pay in cash, you can visit a BOSS Revolution money transfer retailer to send your money transfer.

You can send money overseas with the BOSS Money app, potentially taking advantage of additional app-only promotions. Cash transfers are also possible by visiting an agent location.

Does BOSS Money have a rewards program?

BOSS Money has a Refer a Friend program for customers who share their love of the app. You can earn a USD 25 e-gift card when the person you refer downloads the BOSS Money app and sends their first money transfer of USD 100 or more.

Users of the BOSS Money app can share their personal referral link by following the steps below. Once the friend uses the link to download the app and then successfully completes a money transfer of USD 100 or more, a USD 25 e-gift card will be emailed and added to the app inbox of the referrer.

To get the referral link and start earning rewards:

• Open the BOSS Money App.
• Tap the 'Get $25' button in the top right corner of the app's main screen to view the 'Invite Friends' screen.
• Tap the 'Share Link' button, choose the method for sharing your referral link and send the link to your friends.

What customer support options are available with BOSS Money?

In case you need any help with your BOSS Money money transfer, or have any other general questions, you can contact the BOSS Money customer support team.

There are many easy ways to get in touch with BOSS Money customer support as below:

• Chat from within the mobile app
• Email
• Phone: +1-716-215-BOSS (+1-716-215-2677)
• Webform on BOSS Money website Contact Us page

There are many easy ways to get in touch with the BOSS Money customer support team. These include mobile chat, email, phone and via a webform on the BOSS Money website.

Can I cancel my BOSS Money transfer?

It may be possible to cancel your BOSS Money remittance depending on what status it is in.

To cancel your transfer, go to the BOSS Money app and find the transaction you would like to cancel on the main screen or on the Your Activity screen. To request a cancellation, tap the transaction, then tap the Cancel button at the top of the screen.

Boss Money will do its best to process your cancellation, but if the funds have already been released for payment to your recipient, your order cannot be canceled.

How do I delete my BOSS Money account?

If you wish to delete your BOSS Money account, get in touch with their customer support team and someone will assist you.

Make sure to download your transaction history for future reference purposes since you will lose all access after account deletion.

Additional Information

Legal and Regulatory Compliance

Boss Money and Boss Revolution money transfer products and payment services are offered and serviced by IDT Payment Services, Inc., licensed money transmitter (NMLS 935577, MA FT935577), or IDT Payment Services of New York LLC, licensed as a Money Transmitter by the New York State Department of Financial Services (collectively, 'IDT Payment').

IDT Payment may make money when it changes your dollars into foreign currency. Fees may vary by sales channel and location based on a number of factors and are subject to change without prior notice. Access to money transfer services and the transfer of funds may be limited, delayed or unavailable during certain periods and/or based on certain transaction conditions. Additional restrictions may apply. See the mobile App or bossrevolution.com/services/money-transfer for complete terms.