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Side-by-side comparisons of popular money transfer services. See how Wise, Remitly, Western Union and others stack up on rates, fees, and speed.
International money transfers can vary dramatically in cost depending on which provider you choose. The difference between the cheapest and most expensive option on the same corridor can be 5-8% of the transfer amount — on a $1,000 transfer, that means $50-$80 more or less reaching your recipient.
The two main cost components are the transfer fee (a flat or percentage charge) and the exchange rate markup (the difference between what the provider charges and the real mid-market rate). Many providers advertise "zero fees" but compensate with a wider exchange rate markup. Our head-to-head comparisons break down both components so you can see the true total cost.
Speed and delivery options also matter. Some providers deliver to bank accounts in minutes via local payment rails (like UPI in India or SPEI in Mexico), while others take 2-3 business days through SWIFT. Cash pickup, mobile wallets, and airtime top-up are available on select corridors. Use our provider comparisons below to find the best match for your specific needs — whether that is the lowest cost, fastest delivery, or widest country coverage.
| Provider | Rating | Fees | Speed | Countries | Rate Markup | |
|---|---|---|---|---|---|---|
| Wise | 4.7 | Variable fee from 0.41% | Instant to 2 days | 80+ | 0% (mid-market rate) | Review |
| Remitly | 4.5 | From $0 to $3.99 per transfer | Minutes to 3-5 days | 100+ | 0.5% - 2% above mid-market | Review |
| OFX | 4.4 | No transfer fees | 1-3 business days | 190+ | 0.5% - 1.5% above mid-market | Review |
| XE | 4.3 | No transfer fees | 1-4 business days | 130+ | 0.5% - 1.5% above mid-market | Review |
| Western Union | 3.8 | From $0 to $10+ depending on method | Minutes to 5 days | 200+ | 1% - 4% above mid-market | Review |
| WorldRemit | 4.2 | From $0.99 to $3.99 | Minutes to 3 days | 130+ | 0.5% - 3% above mid-market | Review |
| Revolut | 4.4 | Free up to £1,000/month, then 0.5% | Instant to 3 days | 150+ | 0% weekdays, 0.5-1% weekends | Review |
| PayPal | 3.5 | 5% with $0.99 min, $4.99 max | Instant to 3 days | 200+ | 3% - 4% above mid-market | Review |