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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 ¥5,328 — Regency FX vs Xoom (PayPal)
60d trend
Today's best
159.0600
Wise
60d average
158.7863
Period best
160.3750
2026-03-29
Period worst
157.1950
2026-05-05
Based on 60 days of rate data across 6 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
158.2621
Estimated · click to quote
~¥158,262.09
Estimated
Exchange rate
158.2621
Mid-market: 159.0574 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~¥158,262.09
Wise
Speed
58 min
Fee
$7.26
Rate
159.0574
Mid 159.0574 ▲0.00%
¥157,902.62
Recipient gets
Exchange rate
159.0574
Mid-market: 159.0574 (0.00% above)
Transfer fee
$7.26
Delivery
58 min
Recipient gets
¥157,902.62
Rate History
Best rate 60 of 60 days↓ 0.4% over 60d
158.7863
156.17 – 160.38
+0.2%
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)
OFX
Speed
1-3 business days
Fee
$5.00
Rate
155.6217
Mid 159.0574 ▼2.16%
¥154,843.63
Recipient gets
Exchange rate
155.6217
Mid-market: 159.0574 (2.16% below)
Transfer fee
$5.00
Delivery
1-3 business days
Recipient gets
¥154,843.63
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Bank of America
Speed
2-5 business days
Fee
Free
Rate
154.5561
Mid 159.0574 ▼2.83%
¥154,556.06
Recipient gets
Exchange rate
154.5561
Mid-market: 159.0574 (2.83% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
¥154,556.06
Rate History
↓ 0.5% over 54d
154.4706
151.77 – 156.19
+0.1%
Wells Fargo
Speed
2-5 business days
Fee
Free
Rate
154.1584
Mid 159.0574 ▼3.08%
¥154,158.41
Recipient gets
Exchange rate
154.1584
Mid-market: 159.0574 (3.08% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
¥154,158.41
Rate History
↓ 0.3% over 58d
153.6956
151.20 – 155.27
+0.3%
Remitly
Speed
Minutes to 3-5 days
Fee
$6.99
Rate
155.2082
Mid 159.0574 ▼2.42%
¥154,123.29
Recipient gets
Exchange rate
155.2082
Mid-market: 159.0574 (2.42% below)
Transfer fee
$6.99
Delivery
Minutes to 3-5 days
Recipient gets
¥154,123.29
Rate History
↓ 0.7% over 49d
155.1926
152.35 – 156.85
+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
XE
Speed
1-4 business days
Fee
$29.86
Rate
158.1348
Mid 159.0574 ▼0.58%
¥153,412.94
Recipient gets
Exchange rate
158.1348
Mid-market: 159.0574 (0.58% below)
Transfer fee
$29.86
Delivery
1-4 business days
Recipient gets
¥153,412.94
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+)
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
152.9337
Mid 159.0574 ▼3.85%
¥152,933.67
Recipient gets
Exchange rate
152.9337
Mid-market: 159.0574 (3.85% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
¥152,933.67
Rate History
Most stable rate↓ 0.2% over 58d
152.4749
149.66 – 153.94
+0.3%
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