Loading...
Loading...
Compare exchange rates, fees, and delivery times from 53+ providers to find the cheapest way to send money abroad.
Reviewed on TrustpilotCompare rates, fees, delivery times, recipient requirements, and local payment methods for every country.
When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
Just need to check exchange rates? Use our currency converter for live mid-market rates across 60+ currencies.
Save ¥597 — Xoom (PayPal) vs TorFX
59d trend
Today's best
4.9526
Xoom (PayPal)
59d average
4.8731
Period best
5.0425
2026-05-07
Period worst
4.7214
2026-03-29
Based on 59 days of rate data across 9 providers · Updated every 6 hours
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
4.9555
Mid 4.8479 ▲2.22%
¥4,955.54
Recipient gets
Exchange rate
4.9555
Mid-market: 4.8479 (2.22% above)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
¥4,955.54
Rate History
↓ 1.2% over 16d
5.0040
4.95 – 5.04
-1.0%
Deals & promotions
Sign-up offer
First transfer with no fees
Refer a friend
You get $20 e-gift card per referral
Friend gets Fee-free first transfer
InstaReM
Speed
1-3 business days
Fee
A$3.70
Rate
4.8503
Mid 4.8479 ▲0.05%
¥4,832.40
Recipient gets
Exchange rate
4.8503
Mid-market: 4.8479 (0.05% above)
Transfer fee
A$3.70
Delivery
1-3 business days
Recipient gets
¥4,832.40
Rate History
Best rate 27 of 59 days↑ 0.8% over 50d
4.8450
4.72 – 4.93
+0.1%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
4.8091
Estimated · click to quote
~¥4,809.14
Estimated
Exchange rate
4.8091
Mid-market: 4.8479 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~¥4,809.14
Exchange rate
4.8179
Mid-market: 4.8479 (0.62% below)
Transfer fee
A$5.99
Delivery
Minutes
Recipient gets
¥4,789.00
Remitly
Speed
Minutes to 3-5 days
Fee
A$2.99
Rate
4.7859
Mid 4.8479 ▼1.28%
¥4,771.56
Recipient gets
Exchange rate
4.7859
Mid-market: 4.8479 (1.28% below)
Transfer fee
A$2.99
Delivery
Minutes to 3-5 days
Recipient gets
¥4,771.56
Rate History
↑ 0.7% over 50d
4.7918
4.66 – 4.87
-0.1%
Deals & promotions
Sign-up offer
$25 off first transfer of $100+ with zero fees and special exchange rate
Refer a friend
You get $25 per referral
Friend gets $25 off first transfer + zero fees + promo rate
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
4.7199
Mid 4.8479 ▼2.64%
¥4,719.93
Recipient gets
Exchange rate
4.7199
Mid-market: 4.8479 (2.64% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
¥4,719.93
Rate History
↓ 1.3% over 8d
4.7463
4.72 – 4.78
-0.6%
Deals & promotions
Sign-up offer
$20/GBP 20/EUR 20 bonus on first transfer with promo code
Refer a friend
You get $5/GBP 5/EUR 5 per referral
Friend gets $5/GBP 5/EUR 5 on first transfer
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
4.7146
Mid 4.8479 ▼2.75%
¥4,643.88
Recipient gets
Exchange rate
4.7146
Mid-market: 4.8479 (2.75% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
¥4,643.88
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Wise
Speed
Instant to 2 days
Fee
A$94.42
Rate
4.8440
Mid 4.8479 ▼0.08%
¥4,386.67
Recipient gets
Exchange rate
4.8440
Mid-market: 4.8479 (0.08% below)
Transfer fee
A$94.42
Delivery
Instant to 2 days
Recipient gets
¥4,386.67
Rate History
↑ 1.5% over 6d
4.8500
4.82 – 4.89
+0.8%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
TorFX
Speed
1-3 business days
Fee
A$91.94
Rate
4.7999
Mid 4.8479 ▼0.99%
¥4,358.62
Recipient gets
Exchange rate
4.7999
Mid-market: 4.8479 (0.99% below)
Transfer fee
A$91.94
Delivery
1-3 business days
Recipient gets
¥4,358.62
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer