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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 USh171,111 — Regency FX vs Xoom (PayPal)
55d trend
Today's best
3735.4773
InstaReM
55d average
3705.5752
Period best
3756.5036
2026-03-18
Period worst
3688.0935
2026-05-17
Based on 55 days of rate data across 7 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
3739.4738
Estimated · click to quote
~USh3,739,473.77
Estimated
Exchange rate
3739.4738
Mid-market: 3769.6308 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~USh3,739,473.77
InstaReM
Speed
1-3 business days
Fee
Free
Rate
3735.3272
Mid 3769.6308 ▼0.91%
USh3,735,327.17
Recipient gets
Exchange rate
3735.3272
Mid-market: 3769.6308 (0.91% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
USh3,735,327.17
Rate History
↓ 0.6% over 45d
3708.4810
3654.24 – 3756.50
+0.7%
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)
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
3710.0706
Mid 3769.6308 ▼1.58%
USh3,710,070.65
Recipient gets
Exchange rate
3710.0706
Mid-market: 3769.6308 (1.58% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
USh3,710,070.65
Rate History
Rate up 0.5%↑ 0.5% over 7d
3714.2857
3690.00 – 3730.00
-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
Wise
Speed
12h 52m
Fee
$17.74
Rate
3763.2224
Mid 3769.6308 ▼0.17%
USh3,696,462.88
Recipient gets
Exchange rate
3763.2224
Mid-market: 3769.6308 (0.17% below)
Transfer fee
$17.74
Delivery
12h 52m
Recipient gets
USh3,696,462.88
Rate History
→ 0.0% over 55d
3731.4684
3689.05 – 3766.20
+0.8%
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)
Ria Money Transfer
Speed
Minutes to 2 days
Fee
$0.75
Rate
3688.2068
Mid 3769.6308 ▼2.16%
USh3,685,440.63
Recipient gets
Exchange rate
3688.2068
Mid-market: 3769.6308 (2.16% below)
Transfer fee
$0.75
Delivery
Minutes to 2 days
Recipient gets
USh3,685,440.63
Rate History
Best rate 46 of 55 days↓ 0.3% over 54d
3697.7209
3688.09 – 3699.15
-0.3%
Remitly
Speed
Minutes to 3-5 days
Fee
$2.99
Rate
3677.6518
Mid 3769.6308 ▼2.44%
USh3,666,655.64
Recipient gets
Exchange rate
3677.6518
Mid-market: 3769.6308 (2.44% below)
Transfer fee
$2.99
Delivery
Minutes to 3-5 days
Recipient gets
USh3,666,655.64
Rate History
↓ 0.1% over 45d
3655.4369
3619.15 – 3695.33
+0.6%
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
$30.18
Rate
3740.6047
Mid 3769.6308 ▼0.77%
USh3,627,713.21
Recipient gets
Exchange rate
3740.6047
Mid-market: 3769.6308 (0.77% below)
Transfer fee
$30.18
Delivery
1-4 business days
Recipient gets
USh3,627,713.21
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
$3.99
Rate
3582.6571
Mid 3769.6308 ▼4.96%
USh3,568,362.32
Recipient gets
Exchange rate
3582.6571
Mid-market: 3769.6308 (4.96% below)
Transfer fee
$3.99
Delivery
Minutes to 3 days
Recipient gets
USh3,568,362.32
Rate History
↑ 0.1% over 54d
3556.1158
3512.76 – 3599.68
+0.7%
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