International money transfers vary based on the country's exchange rates and bank fees, but you may still be able to choose a standard or economy delivery versus a more expensive express delivery.

Investopedia’s independent research found Venmo the best money transfer app for sending money to family and friends in the U.S., thanks to its convenience and low fees.

For standard transfers, "Nacha charges a fraction ... Meanwhile, an ACH payment would move the money from your linked bank account to Venmo. Setting up ACH payments The process you'll go through ...