Compare money transfer companies & apps
Pick any two providers. See who delivers more — live rates, fees and features, side by side.
Remitly sends ₹309.69 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 | ₹94,603.89 | ₹94,913.58 | 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.
Who pays more, pair by pair: our measured head-to-heads
Each comparison prices both providers on the same 6 routes: $1,000 USD to INR, £1,000 GBP to EUR, $500 USD to PHP, $1,000 USD to MXN, £500 GBP to PKR, $200 USD to NGN. A route counts only where both quote it, and the winner is the one whose recipient gets more after the fee and the exchange rate. The gap is the median difference in what arrives across the routes both cover.
| Comparison | Routes both quote | Pays more on more routes | Median gap |
|---|---|---|---|
| Western Union vs MoneyGram | 6 of 6 | MoneyGram, 5–1 | 0.57% |
| PayPal vs Revolut | 3 of 6 | Revolut, 3–0 | 4.53% |
| Wise vs Revolut | 5 of 6 | Wise, 3–2 | 0.32% |
| Wise vs PayPal | 3 of 6 | Wise, 3–0 | 5.07% |
| Wise vs Remitly | 6 of 6 | Wise, 4–2 | 0.76% |
| Wise vs Westpac | 0 of 6 | Not priced on these routes | — |
| Remitly vs Western Union | 6 of 6 | Remitly, 5–1 | 0.42% |
| Remitly vs PayPal | 3 of 6 | Remitly, 3–0 | 3.82% |
| Remitly vs TapTap Send | 6 of 6 | TapTap Send, 6–0 | 0.87% |
| Wise vs WorldRemit | 5 of 6 | Wise, 4–1 | 0.86% |
| Remitly vs MoneyGram | 6 of 6 | MoneyGram, 4–2 | 0.51% |
| Revolut vs HSBC | 2 of 6 | Revolut, 2–0 | 3.80% |
| HSBC vs PayPal | 1 of 6 | HSBC, 1–0 | 2.64% |
| Wise vs TapTap Send | 6 of 6 | Level, 3–3 | 0.38% |
Quotes as of 2026-10-29. A pair that wins most routes can still lose yours: open the comparison, or price your own amount in the tool above.