uLink

uLink: international money transfers from the United States

uLink is an international money transfer app that operates from the United States and allows you to transfer funds to recipients in different countries, as well as reload prepaid phones and pay bills abroad. The company presents itself as a low-cost alternative to traditional remittance services, with fees that, according to its information, start at $0 and exchange rates it describes as advantageous.

Main services

The app structures its offering around four basic operations:

• International money transfers: transfers from the United States to a wide list of destinations in the Americas, Europe, Asia, Africa, and Oceania.
• Phone reloads: reload prepaid lines abroad, with an indicated fee of $0.99.
• Bill payments: pay services in Mexico for $2.99.
• Domestic wallet-to-wallet transfers: wallet-to-wallet transfers with $0 fees.

Coverage and destinations

The site lists sending destinations in Latin America and the Caribbean (Mexico, Guatemala, El Salvador, Honduras, Nicaragua, Costa Rica, Panama, Dominican Republic, Colombia, Ecuador, Peru, Bolivia, Chile, Argentina, Brazil, Uruguay, Paraguay), Europe (Spain, France, Germany, Italy, Portugal, United Kingdom, Ireland, Belgium, Netherlands, Luxembourg, Austria, Switzerland, Sweden, Norway, Denmark, Finland, Poland, Romania, Slovakia, Slovenia, Croatia, Estonia, Latvia, Lithuania, Greece, Hungary, Czech Republic), Asia (India, Philippines, Indonesia, Malaysia, Nepal, Pakistan, China, Japan, South Korea, Singapore, Sri Lanka, Thailand, Vietnam), Africa (Nigeria, Ghana, Kenya, Tanzania, Rwanda, Sierra Leone, Liberia, Zimbabwe), and Australia. The company states it has more than 174,700 payment points in 72 countries.

Delivery methods to the beneficiary

Money can reach the recipient through various channels: cash payout at correspondent agents, bank account credit, home delivery, digital wallets, and ATM withdrawal. Some of these options are available only in certain countries.

Transfer times and limits

Credit times depend on the payment method used. According to the published information, transfers funded with a credit card, debit card, or e-wallet funds are usually available within 30 minutes to one hour, while those made from a bank account can take up to four business days. The company warns that factors beyond its control, such as additional verifications, payment network hours, or errors in the recipient's details, may delay the operation.

Sending limits vary by customer tier: Silver users can send up to $1,999 daily and $4,999 in a 30-day period; Gold, up to $2,999 daily and $7,999 in 30 days; Platinum, up to $4,999 daily and $14,999 in 30 days; and Diamond, up to $9,999 daily and $24,999 in 30 days.

Account, cancellations, and customer service

To send money, pay bills, or reload phones, you need to sign up. The account lets you save information, add beneficiaries, and payment methods. Transactions can be canceled at no cost while they are in "PAYABLE" status, before the beneficiary receives the money. The company offers customer service at 1 (800) 456-3492.

Complementary financial products

uLink offers a prepaid Mastercard that, according to its presentation, allows you to pay at merchants where Debit Mastercard is accepted, load money, and track spending from the app, as well as earn rewards redeemable for cashback in the e-wallet. The company also offers a loyalty program and a service for businesses, uLinkbusiness, for international B2B payments.

Current promotions on the site

The site showed a three-day promotion with a locked-in exchange rate, ending on August 30, 2026. It also advertised gift cards worth $30 distributed across the first five transfers, a $10 gift card for the first transfer of $100 or more, and a $20 gift card for referring a friend. These conditions are subject to terms and conditions.