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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 KSh7,374 — Paysend vs Deutsche Bank
54d trend
Today's best
149.0391
Paysend
54d average
148.9255
Period best
147.4728
2026-05-14
Period worst
148.0000
2026-04-30
Based on 54 days of rate data across 18 providers · Updated every 6 hours
Exchange rate
149.0891
Mid-market: 150.1854 (0.73% below)
Transfer fee
Free
Delivery
2 days
Recipient gets
KSh149,089.08
Rate History
↓ 0.7% over 7d
149.5591
149.04 – 150.01
-0.3%
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
148.9839
Estimated · click to quote
~KSh148,983.95
Estimated
Exchange rate
148.9839
Mid-market: 150.1854 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~KSh148,983.95
MoneyGram
Speed
0-1 days
Fee
€0.90
Rate
148.8338
Mid 150.1854 ▼0.90%
KSh148,699.81
Recipient gets
Exchange rate
148.8338
Mid-market: 150.1854 (0.90% below)
Transfer fee
€0.90
Delivery
0-1 days
Recipient gets
KSh148,699.81
Rate History
Rate up 0.7%↑ 0.7% over 7d
148.4117
147.71 – 148.84
+0.2%
Deals & promotions
Sign-up offer
20% off fee on second transfer when joining MoneyGram Plus Rewards
Refer a friend
You get Zero-fee transfer after friend completes first transaction
Friend gets Zero-fee first transfer
Loyalty program
MoneyGram Plus Rewards — free to join, earn points on transfers. Premier status after 5 transfers: 40% off every 5th transfer.
Exchange rate
149.3744
Mid-market: 150.1854 (0.54% below)
Transfer fee
€6.40
Delivery
Instant
Recipient gets
KSh148,418.43
Rate History
↓ 0.6% over 7d
149.7596
149.32 – 150.24
-0.3%
Western Union
Speed
Instant
Fee
€2.99
Rate
148.8488
Mid 150.1854 ▼0.89%
KSh148,403.72
Recipient gets
Exchange rate
148.8488
Mid-market: 150.1854 (0.89% below)
Transfer fee
€2.99
Delivery
Instant
Recipient gets
KSh148,403.72
Rate History
↓ 0.4% over 7d
148.7941
148.44 – 149.38
0.0%
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)
Exchange rate
148.2480
Mid-market: 150.1854 (1.29% below)
Transfer fee
€0.49
Delivery
Instant
Recipient gets
KSh148,175.40
Rate History
↓ 0.8% over 7d
148.6781
148.20 – 149.39
-0.3%
WorldRemit
Speed
Instant
Fee
€0.99
Rate
148.2480
Mid 150.1854 ▼1.29%
KSh148,101.27
Recipient gets
Exchange rate
148.2480
Mid-market: 150.1854 (1.29% below)
Transfer fee
€0.99
Delivery
Instant
Recipient gets
KSh148,101.27
Rate History
↓ 0.8% over 7d
148.6781
148.20 – 149.39
-0.3%
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+
Wise
Speed
2 min
Fee
€13.94
Rate
150.1103
Mid 150.1854 ▼0.05%
KSh148,017.80
Recipient gets
Exchange rate
150.1103
Mid-market: 150.1854 (0.05% below)
Transfer fee
€13.94
Delivery
2 min
Recipient gets
KSh148,017.80
Rate History
↑ 0.6% over 53d
151.1150
148.92 – 152.51
-0.7%
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)
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
147.9927
Mid 150.1854 ▼1.46%
KSh147,992.72
Recipient gets
Exchange rate
147.9927
Mid-market: 150.1854 (1.46% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
KSh147,992.72
Rate History
Best rate 40 of 54 days↓ 0.1% over 54d
148.8546
148.00 – 150.35
-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
Exchange rate
147.4070
Mid-market: 150.1854 (1.85% below)
Transfer fee
€0.99
Delivery
0-3 days
Recipient gets
KSh147,261.07
Rate History
1.9% markup↓ 0.7% over 7d
147.6881
147.35 – 148.42
-0.2%
InstaReM
Speed
1-3 business days
Fee
Free
Rate
146.6711
Mid 150.1854 ▼2.34%
KSh146,671.09
Recipient gets
Exchange rate
146.6711
Mid-market: 150.1854 (2.34% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
KSh146,671.09
Rate History
↑ 0.3% over 44d
147.7912
145.75 – 149.16
-0.8%
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)
Skrill
Speed
Instant to 3 business days
Fee
Free
Rate
146.4608
Mid 150.1854 ▼2.48%
KSh146,460.83
Recipient gets
Exchange rate
146.4608
Mid-market: 150.1854 (2.48% below)
Transfer fee
Free
Delivery
Instant to 3 business days
Recipient gets
KSh146,460.83
Rate History
↑ 0.7% over 53d
147.0451
145.07 – 148.41
-0.4%
Remitly
Speed
Minutes to 3-5 days
Fee
€1.99
Rate
146.4759
Mid 150.1854 ▼2.47%
KSh146,184.36
Recipient gets
Exchange rate
146.4759
Mid-market: 150.1854 (2.47% below)
Transfer fee
€1.99
Delivery
Minutes to 3-5 days
Recipient gets
KSh146,184.36
Rate History
↑ 0.3% over 44d
147.5349
145.61 – 148.76
-0.7%
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
Revolut
Speed
Instant
Fee
€23.00
Rate
149.4195
Mid 150.1854 ▼0.51%
KSh145,982.84
Recipient gets
Exchange rate
149.4195
Mid-market: 150.1854 (0.51% below)
Transfer fee
€23.00
Delivery
Instant
Recipient gets
KSh145,982.84
Rate History
↓ 0.6% over 7d
149.5351
149.10 – 150.02
-0.3%
Deals & promotions
Sign-up offer
Variable sign-up bonus depending on region and campaign (up to GBP 100 for Business)
Refer a friend
You get Up to GBP 60 per referral
Friend gets GBP 10–200 depending on campaign
Loyalty program
Tiered subscription plans (Standard, Plus, Premium, Metal, Ultra) with increasing benefits
Exchange rate
146.3857
Mid-market: 150.1854 (2.53% below)
Transfer fee
€17.24
Delivery
1 day
Recipient gets
KSh143,862.05
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
€2.99
Rate
143.4721
Mid 150.1854 ▼4.47%
KSh143,043.16
Recipient gets
Exchange rate
143.4721
Mid-market: 150.1854 (4.47% below)
Transfer fee
€2.99
Delivery
Minutes to 3 days
Recipient gets
KSh143,043.16
Rate History
↑ 0.4% over 53d
144.1918
142.50 – 145.53
-0.5%
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
Deutsche Bank
Speed
2-4 business days
Fee
€36.55
Rate
147.0916
Mid 150.1854 ▼2.06%
KSh141,715.41
Recipient gets
Exchange rate
147.0916
Mid-market: 150.1854 (2.06% below)
Transfer fee
€36.55
Delivery
2-4 business days
Recipient gets
KSh141,715.41
Rate History
↑ 0.1% over 50d
148.5660
145.90 – 149.98
-1.0%