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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.
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Save ฿1,363 — InstaReM vs Xoom (PayPal)
55d trend
Today's best
32.5058
InstaReM
55d average
32.2117
Period best
32.7368
2026-03-29
Period worst
32.1708
2026-03-18
Based on 55 days of rate data across 10 providers · Updated every 6 hours
InstaReM
Speed
1-3 business days
Fee
Free
Rate
32.5063
Mid 32.7091 ▼0.62%
฿32,506.26
Recipient gets
Exchange rate
32.5063
Mid-market: 32.7091 (0.62% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
฿32,506.26
Rate History
↑ 1.0% over 46d
32.1388
31.66 – 32.74
+1.1%
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)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
32.4474
Estimated · click to quote
~฿32,447.38
Estimated
Exchange rate
32.4474
Mid-market: 32.7091 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~฿32,447.38
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
32.4016
Mid 32.7091 ▼0.94%
฿32,401.59
Recipient gets
Exchange rate
32.4016
Mid-market: 32.7091 (0.94% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
฿32,401.59
Rate History
↑ 0.6% over 7d
32.2571
32.10 – 32.40
+0.4%
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
Wise
Speed
Instant
Fee
$9.65
Rate
32.7058
Mid 32.7091 ▼0.01%
฿32,390.18
Recipient gets
Exchange rate
32.7058
Mid-market: 32.7091 (0.01% below)
Transfer fee
$9.65
Delivery
Instant
Recipient gets
฿32,390.18
Rate History
↑ 1.2% over 55d
32.3940
31.95 – 32.91
+1.0%
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)
Remitly
Speed
Minutes to 3-5 days
Fee
$1.99
Rate
32.2806
Mid 32.7091 ▼1.31%
฿32,216.33
Recipient gets
Exchange rate
32.2806
Mid-market: 32.7091 (1.31% below)
Transfer fee
$1.99
Delivery
Minutes to 3-5 days
Recipient gets
฿32,216.33
Rate History
Rate up 1.4%↑ 1.4% over 55d
31.8782
31.21 – 32.67
+0.4%
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
WorldRemit
Speed
Minutes to 3 days
Fee
$2.99
Rate
32.2348
Mid 32.7091 ▼1.45%
฿32,138.39
Recipient gets
Exchange rate
32.2348
Mid-market: 32.7091 (1.45% below)
Transfer fee
$2.99
Delivery
Minutes to 3 days
Recipient gets
฿32,138.39
Rate History
↑ 1.3% over 51d
31.9073
31.47 – 32.42
+1.0%
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+
Ria Money Transfer
Speed
Minutes to 2 days
Fee
$1.00
Rate
31.7899
Mid 32.7091 ▼2.81%
฿31,758.14
Recipient gets
Exchange rate
31.7899
Mid-market: 32.7091 (2.81% below)
Transfer fee
$1.00
Delivery
Minutes to 2 days
Recipient gets
฿31,758.14
Rate History
Best rate 27 of 55 days↓ 0.4% over 54d
31.8939
31.79 – 31.91
-0.3%
Bank of America
Speed
2-5 business days
Fee
Free
Rate
31.7147
Mid 32.7091 ▼3.04%
฿31,714.70
Recipient gets
Exchange rate
31.7147
Mid-market: 32.7091 (3.04% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
฿31,714.70
Rate History
↑ 1.1% over 51d
31.5242
31.04 – 32.16
+0.6%
Wells Fargo
Speed
2-5 business days
Fee
Free
Rate
31.6722
Mid 32.7091 ▼3.17%
฿31,672.18
Recipient gets
Exchange rate
31.6722
Mid-market: 32.7091 (3.17% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
฿31,672.18
Rate History
↑ 1.3% over 55d
31.3046
30.39 – 31.88
+1.2%
OFX
Speed
1-3 business days
Fee
$5.00
Rate
31.8292
Mid 32.7091 ▼2.69%
฿31,670.04
Recipient gets
Exchange rate
31.8292
Mid-market: 32.7091 (2.69% below)
Transfer fee
$5.00
Delivery
1-3 business days
Recipient gets
฿31,670.04
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
XE
Speed
1-4 business days
Fee
$30.95
Rate
32.4801
Mid 32.7091 ▼0.70%
฿31,474.84
Recipient gets
Exchange rate
32.4801
Mid-market: 32.7091 (0.70% below)
Transfer fee
$30.95
Delivery
1-4 business days
Recipient gets
฿31,474.84
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+)
CurrencyFair
Speed
1-2 business days
Fee
$34.10
Rate
32.4834
Mid 32.7091 ▼0.69%
฿31,375.68
Recipient gets
Exchange rate
32.4834
Mid-market: 32.7091 (0.69% below)
Transfer fee
$34.10
Delivery
1-2 business days
Recipient gets
฿31,375.68
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
$4.99
Rate
31.2993
Mid 32.7091 ▼4.31%
฿31,143.11
Recipient gets
Exchange rate
31.2993
Mid-market: 32.7091 (4.31% below)
Transfer fee
$4.99
Delivery
Minutes to 3 days
Recipient gets
฿31,143.11
Rate History
↑ 1.1% over 55d
31.0367
30.59 – 31.61
+0.8%
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