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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 ¥266 — Xoom (PayPal) vs OFX
60d trend
Today's best
6.7667
InstaReM
60d average
6.7739
Period best
6.7704
2026-03-28
Period worst
6.7524
2026-05-19
Based on 60 days of rate data across 9 providers · Updated every 6 hours
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
6.8375
Mid 6.8143 ▲0.34%
¥6,837.52
Recipient gets
Exchange rate
6.8375
Mid-market: 6.8143 (0.34% above)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
¥6,837.52
Rate History
↓ 0.9% over 58d
6.9623
6.91 – 7.04
-0.4%
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
Free
Rate
6.7666
Mid 6.8143 ▼0.70%
¥6,766.65
Recipient gets
Exchange rate
6.7666
Mid-market: 6.8143 (0.70% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
¥6,766.65
Rate History
↓ 1.5% over 49d
6.7959
6.74 – 6.87
-0.4%
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
$1.99
Rate
6.7735
Mid 6.8143 ▼0.60%
¥6,759.98
Recipient gets
Exchange rate
6.7735
Mid-market: 6.8143 (0.60% below)
Transfer fee
$1.99
Delivery
Minutes to 3-5 days
Recipient gets
¥6,759.98
Rate History
↓ 0.8% over 49d
6.7925
6.74 – 6.85
-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
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
6.7598
Estimated · click to quote
~¥6,759.83
Estimated
Exchange rate
6.7598
Mid-market: 6.8143 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~¥6,759.83
Exchange rate
6.7885
Mid-market: 6.8143 (0.38% below)
Transfer fee
$6.99
Delivery
Minutes
Recipient gets
¥6,741.00
Wise
Speed
Instant
Fee
$13.47
Rate
6.8143
Mid 6.8143 ▼0.00%
¥6,722.56
Recipient gets
Exchange rate
6.8143
Mid-market: 6.8143 (0.00% below)
Transfer fee
$13.47
Delivery
Instant
Recipient gets
¥6,722.56
Rate History
↓ 1.3% over 60d
6.8405
6.79 – 6.91
-0.4%
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
6.6399
Mid 6.8143 ▼2.56%
¥6,639.90
Recipient gets
Exchange rate
6.6399
Mid-market: 6.8143 (2.56% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
¥6,639.90
Rate History
Rate up 0.3%↑ 0.3% over 7d
6.6343
6.62 – 6.65
+0.1%
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
Bank of America
Speed
2-5 business days
Fee
Free
Rate
6.5977
Mid 6.8143 ▼3.18%
¥6,597.65
Recipient gets
Exchange rate
6.5977
Mid-market: 6.8143 (3.18% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
¥6,597.65
Rate History
↓ 0.6% over 54d
6.5934
6.55 – 6.65
+0.1%
OFX
Speed
1-3 business days
Fee
$5.00
Rate
6.6045
Mid 6.8143 ▼3.08%
¥6,571.45
Recipient gets
Exchange rate
6.6045
Mid-market: 6.8143 (3.08% below)
Transfer fee
$5.00
Delivery
1-3 business days
Recipient gets
¥6,571.45
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)