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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.
60d trend
Today's best
0.8561
Remitly
60d average
0.8585
Period best
0.8725
2026-03-15
Period worst
0.8501
2026-05-14
Based on 60 days of rate data across 17 providers · Updated every 6 hours
InstaReM
Speed
1-3 business days
Fee
Free
Rate
0.8601
Mid 0.8614 ▼0.15%
€860.12
Recipient gets
Exchange rate
0.8601
Mid-market: 0.8614 (0.15% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
€860.12
Rate History
↓ 1.9% over 60d
0.8544
0.84 – 0.87
+0.1%
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)
Revolut
Speed
0-1 days
Fee
$1.50
Rate
0.8605
Mid 0.8614 ▼0.11%
€859.18
Recipient gets
Exchange rate
0.8605
Mid-market: 0.8614 (0.11% below)
Transfer fee
$1.50
Delivery
0-1 days
Recipient gets
€859.18
Rate History
↓ 0.4% over 54d
0.8622
0.85 – 0.86
-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
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
0.8571
Estimated · click to quote
~€857.11
Estimated
Exchange rate
0.8571
Mid-market: 0.8614 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~€857.11
Wise
Speed
Instant
Fee
$5.47
Rate
0.8615
Mid 0.8614 ▲0.01%
€856.79
Recipient gets
Exchange rate
0.8615
Mid-market: 0.8614 (0.01% above)
Transfer fee
$5.47
Delivery
Instant
Recipient gets
€856.79
Rate History
↓ 1.6% over 60d
0.8579
0.85 – 0.88
+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)
Western Union
Speed
0-4 days
Fee
$0.99
Rate
0.8559
Mid 0.8614 ▼0.64%
€855.06
Recipient gets
Exchange rate
0.8559
Mid-market: 0.8614 (0.64% below)
Transfer fee
$0.99
Delivery
0-4 days
Recipient gets
€855.06
Rate History
↓ 0.5% over 54d
0.8597
0.85 – 0.86
-0.4%
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
0.8540
Mid 0.8614 ▼0.86%
€854.01
Recipient gets
Exchange rate
0.8540
Mid-market: 0.8614 (0.86% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
€854.01
Rate History
↓ 2.5% over 54d
0.8518
0.84 – 0.87
-0.5%
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
Remitly
Speed
Minutes to 3-5 days
Fee
$2.99
Rate
0.8565
Mid 0.8614 ▼0.57%
€853.95
Recipient gets
Exchange rate
0.8565
Mid-market: 0.8614 (0.57% below)
Transfer fee
$2.99
Delivery
Minutes to 3-5 days
Recipient gets
€853.95
Rate History
Best rate 18 of 60 days↓ 1.8% over 60d
0.8559
0.84 – 0.87
+0.0%
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
Exchange rate
0.8563
Mid-market: 0.8614 (0.59% below)
Transfer fee
$3.50
Delivery
0-6 days
Recipient gets
€853.34
Rate History
↓ 0.4% over 54d
0.8594
0.85 – 0.86
-0.3%
MoneyGram
Speed
Minutes to 3 days
Fee
$1.99
Rate
0.8527
Mid 0.8614 ▼1.01%
€851.02
Recipient gets
Exchange rate
0.8527
Mid-market: 0.8614 (1.01% below)
Transfer fee
$1.99
Delivery
Minutes to 3 days
Recipient gets
€851.02
Rate History
↓ 1.8% over 60d
0.8493
0.84 – 0.87
+0.4%
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
0.8493
Mid-market: 0.8614 (1.41% below)
Transfer fee
Free
Delivery
0.5-1.5 days
Recipient gets
€849.27
Exchange rate
0.8507
Mid-market: 0.8614 (1.24% below)
Transfer fee
$1.99
Delivery
2 days
Recipient gets
€849.04
Rate History
↓ 0.3% over 54d
0.8533
0.84 – 0.85
-0.3%
Exchange rate
0.8454
Mid-market: 0.8614 (1.86% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
€845.39
Rate History
Most stable rate↑ 0.1% over 54d
0.8429
0.84 – 0.84
+0.2%
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
0.8435
Mid-market: 0.8614 (2.08% below)
Transfer fee
$2.49
Delivery
Instant
Recipient gets
€841.40
Rate History
2.1% markup↓ 0.8% over 54d
0.8491
0.84 – 0.85
-0.6%
Bank of America
Speed
2-5 business days
Fee
Free
Rate
0.8375
Mid 0.8614 ▼2.78%
€837.47
Recipient gets
Exchange rate
0.8375
Mid-market: 0.8614 (2.78% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
€837.47
Rate History
↓ 1.8% over 56d
0.8351
0.82 – 0.85
+0.3%
Exchange rate
0.8401
Mid-market: 0.8614 (2.47% below)
Transfer fee
$5.00
Delivery
1 day
Recipient gets
€835.94
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
0.8350
Mid-market: 0.8614 (3.07% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
€834.97
Rate History
↓ 1.6% over 60d
0.8308
0.81 – 0.85
+0.5%
Exchange rate
0.8364
Mid-market: 0.8614 (2.90% below)
Transfer fee
$5.00
Delivery
1-5 business days
Recipient gets
€832.25
Rate History
↓ 1.7% over 44d
0.8339
0.82 – 0.85
+0.3%
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
0.8315
Mid 0.8614 ▼3.47%
€831.53
Recipient gets
Exchange rate
0.8315
Mid-market: 0.8614 (3.47% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
€831.53
Rate History
↓ 2.2% over 60d
0.7818
0.77 – 0.85
+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
Ria Money Transfer
Speed
Minutes to 2 days
Fee
$15.00
Rate
0.8411
Mid 0.8614 ▼2.36%
€828.47
Recipient gets
Exchange rate
0.8411
Mid-market: 0.8614 (2.36% below)
Transfer fee
$15.00
Delivery
Minutes to 2 days
Recipient gets
€828.47
Rate History
Rate up 1.2%↑ 1.2% over 54d
0.8455
0.83 – 0.86
+1.2%