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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.
59d trend
Today's best
0.7231
InstaReM
59d average
0.7236
Period best
0.7327
2026-05-01
Period worst
0.7134
2026-04-04
Based on 59 days of rate data across 13 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
0.7235
Estimated · click to quote
~$723.50
Estimated
Exchange rate
0.7235
Mid-market: 0.7271 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~$723.50
InstaReM
Speed
1-3 business days
Fee
Free
Rate
0.7231
Mid 0.7271 ▼0.56%
$723.06
Recipient gets
Exchange rate
0.7231
Mid-market: 0.7271 (0.56% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
$723.06
Rate History
Best rate 47 of 59 days↓ 0.3% over 50d
0.7231
0.71 – 0.73
0.0%
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
0.7229
Mid 0.7271 ▼0.58%
$722.92
Recipient gets
Exchange rate
0.7229
Mid-market: 0.7271 (0.58% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
$722.92
Rate History
↓ 0.3% over 50d
0.7240
0.71 – 0.73
-0.2%
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
0.7200
Mid 0.7271 ▼0.98%
$720.01
Recipient gets
Exchange rate
0.7200
Mid-market: 0.7271 (0.98% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
$720.01
Rate History
Most stable rate→ 0.0% over 7d
0.7000
0.70 – 0.70
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
Royal Bank of Canada
Speed
1-3 business days
Fee
Free
Rate
0.7110
Mid 0.7271 ▼2.22%
$710.99
Recipient gets
Exchange rate
0.7110
Mid-market: 0.7271 (2.22% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
$710.99
Rate History
↓ 0.2% over 59d
0.7115
0.70 – 0.72
-0.1%
WorldRemit
Speed
Minutes to 3 days
Fee
C$3.99
Rate
0.7126
Mid 0.7271 ▼2.00%
$709.75
Recipient gets
Exchange rate
0.7126
Mid-market: 0.7271 (2.00% below)
Transfer fee
C$3.99
Delivery
Minutes to 3 days
Recipient gets
$709.75
Rate History
↓ 0.2% over 55d
0.7127
0.70 – 0.72
-0.0%
Deals & promotions
Sign-up offer
First 3 transfers fee-free
Code: 3FREE
Refer a friend
You get $20 voucher per referral
Friend gets $20 voucher after first transfer of ~$130+
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
0.7077
Mid 0.7271 ▼2.67%
$707.72
Recipient gets
Exchange rate
0.7077
Mid-market: 0.7271 (2.67% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
$707.72
Rate History
↓ 2.3% over 59d
0.7018
0.69 – 0.71
-1.6%
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
Exchange rate
0.7063
Mid-market: 0.7271 (2.87% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
$706.27
Rate History
↓ 0.2% over 59d
0.7068
0.70 – 0.72
-0.1%
Exchange rate
0.7092
Mid-market: 0.7271 (2.47% below)
Transfer fee
C$5.95
Delivery
1-3 business days
Recipient gets
$704.96
Rate History
↓ 0.1% over 59d
0.7108
0.70 – 0.72
-0.2%
Exchange rate
0.7001
Mid-market: 0.7271 (3.72% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
$700.09
Rate History
↑ 0.1% over 52d
0.7014
0.69 – 0.71
-0.2%
OFX
Speed
1-3 business days
Fee
C$15.00
Rate
0.7100
Mid 0.7271 ▼2.36%
$699.40
Recipient gets
Exchange rate
0.7100
Mid-market: 0.7271 (2.36% below)
Transfer fee
C$15.00
Delivery
1-3 business days
Recipient gets
$699.40
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
PayPal
Speed
Instant to 3 days
Fee
C$2.99
Rate
0.6966
Mid 0.7271 ▼4.20%
$694.51
Recipient gets
Exchange rate
0.6966
Mid-market: 0.7271 (4.20% below)
Transfer fee
C$2.99
Delivery
Instant to 3 days
Recipient gets
$694.51
Rate History
↓ 0.3% over 59d
0.6970
0.69 – 0.71
-0.1%
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+