Compare money transfer companies & apps
Pick any two providers. See who delivers more — live rates, fees and features, side by side.
Remitly sends ₹489.21 more
On $1,000 USD → INR, your recipient gets more through Remitly.
Across popular corridors (1,000 each)
Wise 0 · 1 Remitly| Corridor | Wise | Remitly | Winner |
|---|---|---|---|
| USD → INR | ₹94,348.29 | ₹94,837.50 | Remitly |
| GBP → EUR | — | — | — |
| USD → PHP | — | — | — |
| USD → MXN | — | — | — |
Want the full breakdown — pros, cons, and our verdict on Wise vs Remitly?
Read the full comparisonHow the comparison works
Every international transfer has two costs: the fee you can see, and the exchange-rate markup you usually can't. The markup is the gap between the mid-market rate — the real interbank midpoint you can check on Google — and the weaker rate a provider actually gives you. Work it out as ((mid-market rate − your quoted rate) ÷ mid-market rate) × 100. If the mid-market is 1.30 and you're quoted 1.26, that's a 3.08% markup, and it's baked into the rate rather than shown as a line item.
That's why a "zero-fee" transfer can cost more than one with a visible fee. On a $1,000 transfer, $0 fee with a 3% markup costs you $30 — worse than a $10 fee on a near-mid-market rate, which costs just $15. And because the markup scales with size, 3% on a $10,000 transfer is $300. The only honest comparison is the amount the recipient actually receives, which already nets out both — the same all-in logic the World Bank uses, where the global average transfer still costs around 6.4% of the amount sent.
How this table ranks providers
- Sort key.
- Amount received in the destination currency, computed as (send amount − fee) × the provider's quoted rate. Highest payout ranks first.
- Tie-break.
- Payouts within 0.1% of each other move by more than that between refreshes, so we treat them as tied and list the higher-rated provider first. Anything outside that band keeps strict payout order.
- Refresh.
- Every 6 hours, from provider APIs and calculators, merged by source priority (direct API, then aggregator, then fallback). Providers without fresh data for your pair are flagged rather than silently dropped.
- Not a factor.
- Commercial relationships. A partner cannot buy a higher position, and the partner tie-break that once existed was removed after it changed no ordering in 72 measured runs.
- Standard.
- The amount received is the same figure US law already requires a provider to disclose before you pay (CFPB Regulation E § 1005.31) — we compute it across 80+ providers at once, which no disclosure rule requires anyone to do. Full detail in our methodology.
Markups vary sharply by provider type. Specialist apps like Wise pass on the mid-market rate and charge a small transparent fee (often ~0.4–0.6%); remittance apps such as Remitly typically add ~1–3% to the rate but win on instant cash pickup, mobile wallets and first-transfer promotions to corridors like India, the Philippines and Mexico. Banks run ~2–4.5%, and PayPal/Xoom sit higher still. Our tool above runs your exact amount and currency pair through current scraped rates so you don't have to do the arithmetic.
Head-to-head
In-depth, hand-written breakdowns — fees, rates, speed and our verdict.
