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Compare exchange rates, fees, and delivery times from 52+ 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 €335 — Western Union vs ANZ
59d trend
Today's best
0.6122
Western Union
59d average
0.6083
Period best
0.6170
2026-05-06
Period worst
0.5949
2026-03-29
Based on 59 days of rate data across 13 providers · Updated every 6 hours
Western Union
Speed
Minutes to 5 days
Fee
Free
Rate
0.6122
Mid 0.6118 ▲0.07%
€612.21
Recipient gets
Exchange rate
0.6122
Mid-market: 0.6118 (0.07% above)
Transfer fee
Free
Delivery
Minutes to 5 days
Recipient gets
€612.21
Rate History
↑ 1.4% over 23d
0.6109
0.60 – 0.62
+0.2%
Deals & promotions
Sign-up offer
First international transfer fee-free
Refer a friend
You get $15 Amazon e-gift code per referral (up to 20 friends)
Friend gets $10 Amazon e-gift code after first qualifying transfer
Loyalty program
My WU Rewards — earn points on qualifying transfers (currently paused, new program coming soon)
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
0.6090
Mid 0.6118 ▼0.46%
€608.97
Recipient gets
Exchange rate
0.6090
Mid-market: 0.6118 (0.46% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
€608.97
Rate History
↓ 1.6% over 7d
0.6081
0.60 – 0.61
-1.0%
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
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
0.6087
Estimated · click to quote
~€608.73
Estimated
Exchange rate
0.6087
Mid-market: 0.6118 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~€608.73
InstaReM
Speed
1-3 business days
Fee
A$5.00
Rate
0.6115
Mid 0.6118 ▼0.05%
€608.42
Recipient gets
Exchange rate
0.6115
Mid-market: 0.6118 (0.05% below)
Transfer fee
A$5.00
Delivery
1-3 business days
Recipient gets
€608.42
Rate History
Best rate 31 of 59 days→ 0.0% over 50d
0.6081
0.59 – 0.62
+0.6%
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)
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
0.6068
Mid 0.6118 ▼0.81%
€606.83
Recipient gets
Exchange rate
0.6068
Mid-market: 0.6118 (0.81% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
€606.83
Rate History
→ 0.1% over 50d
0.6052
0.59 – 0.61
+0.3%
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
Exchange rate
0.5992
Mid-market: 0.6118 (2.06% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
€599.18
Rate History
Rate up 2.4%↑ 2.4% over 53d
0.5958
0.58 – 0.61
+0.6%
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
A$13.29
Rate
0.6072
Mid 0.6118 ▼0.75%
€599.13
Recipient gets
Exchange rate
0.6072
Mid-market: 0.6118 (0.75% below)
Transfer fee
A$13.29
Delivery
Minutes to 3 days
Recipient gets
€599.13
Rate History
Most stable rate↓ 0.2% over 16d
0.6024
0.60 – 0.60
-0.6%
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
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
0.6011
Mid 0.6118 ▼1.75%
€592.06
Recipient gets
Exchange rate
0.6011
Mid-market: 0.6118 (1.75% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
€592.06
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Commonwealth Bank
Speed
2-5 business days
Fee
Free
Rate
0.5919
Mid 0.6118 ▼3.25%
€591.90
Recipient gets
Exchange rate
0.5919
Mid-market: 0.6118 (3.25% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
€591.90
Rate History
↑ 0.6% over 58d
0.5884
0.57 – 0.60
+0.6%
PayPal
Speed
Instant to 3 days
Fee
A$5.99
Rate
0.5855
Mid 0.6118 ▼4.30%
€581.97
Recipient gets
Exchange rate
0.5855
Mid-market: 0.6118 (4.30% below)
Transfer fee
A$5.99
Delivery
Instant to 3 days
Recipient gets
€581.97
Rate History
↓ 0.2% over 59d
0.5821
0.57 – 0.59
+0.6%
Deals & promotions
Sign-up offer
$10 when signing up via a referral link
Refer a friend
You get $10 per referral (up to 5 friends, $50 max)
Friend gets $10 after signing up and spending/sending $5+
Wise
Speed
Instant to 2 days
Fee
A$53.10
Rate
0.6122
Mid 0.6118 ▲0.07%
€579.70
Recipient gets
Exchange rate
0.6122
Mid-market: 0.6118 (0.07% above)
Transfer fee
A$53.10
Delivery
Instant to 2 days
Recipient gets
€579.70
Rate History
↑ 0.8% over 6d
0.6134
0.61 – 0.62
+0.5%
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$84.26
Rate
0.6088
Mid 0.6118 ▼0.49%
€557.49
Recipient gets
Exchange rate
0.6088
Mid-market: 0.6118 (0.49% below)
Transfer fee
A$84.26
Delivery
1-3 business days
Recipient gets
€557.49
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
CurrencyFair
Speed
1-2 business days
Fee
A$91.60
Rate
0.6087
Mid 0.6118 ▼0.50%
€552.97
Recipient gets
Exchange rate
0.6087
Mid-market: 0.6118 (0.50% below)
Transfer fee
A$91.60
Delivery
1-2 business days
Recipient gets
€552.97
Exchange rate
0.6085
Mid-market: 0.6118 (0.54% below)
Transfer fee
A$91.85
Delivery
1-4 business days
Recipient gets
€552.59
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)
Exchange rate
0.5913
Mid-market: 0.6118 (3.35% below)
Transfer fee
A$530.62
Delivery
2-5 business days
Recipient gets
€277.54
Rate History
↑ 0.4% over 23d
0.5884
0.58 – 0.60
+0.8%