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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.
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Save ฿8,370 — TapTap Send vs ANZ
53d trend
Today's best
23.2000
TapTap Send
53d average
22.9489
Period best
23.4931
2026-05-11
Period worst
22.3937
2026-03-30
Based on 53 days of rate data across 13 providers · Updated every 6 hours
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
23.2006
Mid 23.2728 ▼0.31%
฿23,200.60
Recipient gets
Exchange rate
23.2006
Mid-market: 23.2728 (0.31% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
฿23,200.60
Rate History
↓ 0.6% over 8d
23.1937
23.00 – 23.35
+0.0%
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
InstaReM
Speed
1-3 business days
Fee
A$5.00
Rate
23.2751
Mid 23.2728 ▲0.01%
฿23,158.70
Recipient gets
Exchange rate
23.2751
Mid-market: 23.2728 (0.01% above)
Transfer fee
A$5.00
Delivery
1-3 business days
Recipient gets
฿23,158.70
Rate History
Best rate 23 of 53 days↑ 3.2% over 44d
22.9372
22.38 – 23.48
+1.5%
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
23.0866
Estimated · click to quote
~฿23,086.57
Estimated
Exchange rate
23.0866
Mid-market: 23.2728 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~฿23,086.57
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
23.0144
Mid 23.2728 ▼1.11%
฿23,014.42
Recipient gets
Exchange rate
23.0144
Mid-market: 23.2728 (1.11% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
฿23,014.42
Rate History
Most stable rate↓ 0.2% over 16d
22.3748
22.25 – 22.46
+0.1%
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
Remitly
Speed
Minutes to 3-5 days
Fee
A$1.99
Rate
22.6746
Mid 23.2728 ▼2.57%
฿22,629.52
Recipient gets
Exchange rate
22.6746
Mid-market: 23.2728 (2.57% below)
Transfer fee
A$1.99
Delivery
Minutes to 3-5 days
Recipient gets
฿22,629.52
Rate History
↑ 3.2% over 44d
22.4491
21.82 – 22.86
+1.0%
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
Commonwealth Bank
Speed
2-5 business days
Fee
Free
Rate
22.5769
Mid 23.2728 ▼2.99%
฿22,576.89
Recipient gets
Exchange rate
22.5769
Mid-market: 23.2728 (2.99% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
฿22,576.89
Rate History
↑ 3.3% over 52d
22.3078
21.67 – 22.77
+1.2%
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
22.8236
Mid 23.2728 ▼1.93%
฿22,481.23
Recipient gets
Exchange rate
22.8236
Mid-market: 23.2728 (1.93% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
฿22,481.23
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Exchange rate
22.3721
Mid-market: 23.2728 (3.87% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
฿22,372.09
Rate History
↑ 2.7% over 49d
22.0137
21.39 – 22.45
+1.6%
HSBC
Speed
Same day to 3 business days
Fee
A$30.00
Rate
22.8119
Mid 23.2728 ▼1.98%
฿22,127.59
Recipient gets
Exchange rate
22.8119
Mid-market: 23.2728 (1.98% below)
Transfer fee
A$30.00
Delivery
Same day to 3 business days
Recipient gets
฿22,127.59
Rate History
↑ 2.7% over 53d
22.5296
21.99 – 22.99
+1.3%
PayPal
Speed
Instant to 3 days
Fee
A$5.99
Rate
22.1091
Mid 23.2728 ▼5.00%
฿21,976.68
Recipient gets
Exchange rate
22.1091
Mid-market: 23.2728 (5.00% below)
Transfer fee
A$5.99
Delivery
Instant to 3 days
Recipient gets
฿21,976.68
Rate History
↑ 3.5% over 53d
21.8181
21.29 – 22.38
+1.3%
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+
XE
Speed
1-4 business days
Fee
A$60.36
Rate
23.1075
Mid 23.2728 ▼0.71%
฿21,712.74
Recipient gets
Exchange rate
23.1075
Mid-market: 23.2728 (0.71% below)
Transfer fee
A$60.36
Delivery
1-4 business days
Recipient gets
฿21,712.74
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+)
Wise
Speed
Instant to 2 days
Fee
A$67.12
Rate
23.2472
Mid 23.2728 ▼0.11%
฿21,686.80
Recipient gets
Exchange rate
23.2472
Mid-market: 23.2728 (0.11% below)
Transfer fee
A$67.12
Delivery
Instant to 2 days
Recipient gets
฿21,686.80
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)
CurrencyFair
Speed
1-2 business days
Fee
A$71.05
Rate
23.0959
Mid 23.2728 ▼0.76%
฿21,454.92
Recipient gets
Exchange rate
23.0959
Mid-market: 23.2728 (0.76% below)
Transfer fee
A$71.05
Delivery
1-2 business days
Recipient gets
฿21,454.92
TorFX
Speed
1-3 business days
Fee
A$90.82
Rate
23.0377
Mid 23.2728 ▼1.01%
฿20,945.41
Recipient gets
Exchange rate
23.0377
Mid-market: 23.2728 (1.01% below)
Transfer fee
A$90.82
Delivery
1-3 business days
Recipient gets
฿20,945.41
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
Exchange rate
22.4815
Mid-market: 23.2728 (3.40% below)
Transfer fee
A$340.32
Delivery
2-5 business days
Recipient gets
฿14,830.58
Rate History
Rate up 3.7%↑ 3.7% over 17d
22.2566
21.66 – 22.61
+1.5%