Grey is built for people who move money across borders regularly. Open a free account, fund from your US bank account via ACH or wire, and send to 18+ countries from your phone. The exchange rate and fee are both shown before you tap Send.
Grey is not a bank. Grey is a financial technology company regulated by FinCEN in the United States. Over 3 million people use Grey for international transfers, currency management, and everyday payments abroad.
Unlike a traditional bank wire, which typically costs $25-50 in fees and takes 3-5 business days, most Grey transfers arrive within minutes. No branch visits, no wire forms, no hidden FX markup.
Traditional bank wires are still how most Americans send money abroad. A domestic wire from the US typically costs $25-50 in visible fees alone, before the exchange rate is applied. Bank exchange rates commonly run 2-4% below mid-market, which on a $1,000 monthly transfer costs roughly $240 a year in lost value.
Grey shows the exchange rate and fee separately before you confirm. What you see on screen is what your recipient receives. No adjustment after the fact.
If you are evaluating the best international money transfer app or comparing services to send money internationally, here is how Grey fits.
