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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 C$246 — Regency FX vs Santander
53d trend
Today's best
1.8323
InstaReM
53d average
1.8393
Period best
1.9044
2026-04-01
Period worst
1.8211
2026-05-18
Based on 53 days of rate data across 17 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
1.8335
Estimated · click to quote
~C$916.75
Estimated
Exchange rate
1.8335
Mid-market: 1.8427 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~C$916.75
InstaReM
Speed
1-3 business days
Fee
Free
Rate
1.8324
Mid 1.8427 ▼0.56%
C$916.19
Recipient gets
Exchange rate
1.8324
Mid-market: 1.8427 (0.56% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
C$916.19
Rate History
Best rate 42 of 53 days↓ 0.2% over 44d
1.8387
1.82 – 1.86
-0.3%
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)
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
1.8228
Mid 1.8427 ▼1.08%
C$911.40
Recipient gets
Exchange rate
1.8228
Mid-market: 1.8427 (1.08% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
C$911.40
Rate History
→ 0.0% over 53d
1.8320
1.81 – 1.90
-0.5%
Remitly
Speed
Minutes to 3-5 days
Fee
£4.95
Rate
1.8386
Mid 1.8427 ▼0.22%
C$910.22
Recipient gets
Exchange rate
1.8386
Mid-market: 1.8427 (0.22% below)
Transfer fee
£4.95
Delivery
Minutes to 3-5 days
Recipient gets
C$910.22
Rate History
↓ 0.1% over 44d
1.8423
1.83 – 1.86
-0.2%
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
1.7992
Mid-market: 1.8427 (2.36% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
C$899.61
Rate History
↑ 0.1% over 53d
1.8057
1.79 – 1.83
-0.4%
Royal Bank of Scotland
Speed
2-5 business days
Fee
Free
Rate
1.7992
Mid 1.8427 ▼2.36%
C$899.61
Recipient gets
Exchange rate
1.7992
Mid-market: 1.8427 (2.36% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
C$899.61
Rate History
↑ 0.1% over 53d
1.8057
1.79 – 1.83
-0.4%
OFX
Speed
1-3 business days
Fee
£3.50
Rate
1.8094
Mid 1.8427 ▼1.81%
C$898.34
Recipient gets
Exchange rate
1.8094
Mid-market: 1.8427 (1.81% below)
Transfer fee
£3.50
Delivery
1-3 business days
Recipient gets
C$898.34
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
1.7896
Mid 1.8427 ▼2.88%
C$894.82
Recipient gets
Exchange rate
1.7896
Mid-market: 1.8427 (2.88% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
C$894.82
Rate History
↓ 0.1% over 53d
1.7981
1.78 – 1.82
-0.5%
WorldRemit
Speed
Minutes to 3 days
Fee
£4.95
Rate
1.8066
Mid 1.8427 ▼1.96%
C$894.35
Recipient gets
Exchange rate
1.8066
Mid-market: 1.8427 (1.96% below)
Transfer fee
£4.95
Delivery
Minutes to 3 days
Recipient gets
C$894.35
Rate History
→ 0.0% over 53d
1.8127
1.80 – 1.83
-0.3%
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+
Wise
Speed
Instant to 2 days
Fee
£14.68
Rate
1.8414
Mid 1.8427 ▼0.07%
C$893.68
Recipient gets
Exchange rate
1.8414
Mid-market: 1.8427 (0.07% below)
Transfer fee
£14.68
Delivery
Instant to 2 days
Recipient gets
C$893.68
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)
Exchange rate
1.8422
Mid-market: 1.8427 (0.03% below)
Transfer fee
£15.00
Delivery
1-3 business days
Recipient gets
C$893.44
Rate History
↓ 0.1% over 53d
1.8479
1.83 – 1.87
-0.3%
Western Union
Speed
Minutes to 5 days
Fee
£14.95
Rate
1.8035
Mid 1.8427 ▼2.13%
C$874.77
Recipient gets
Exchange rate
1.8035
Mid-market: 1.8427 (2.13% below)
Transfer fee
£14.95
Delivery
Minutes to 5 days
Recipient gets
C$874.77
Rate History
↓ 0.1% over 53d
1.8082
1.79 – 1.82
-0.3%
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)
Exchange rate
1.8304
Mid-market: 1.8427 (0.67% below)
Transfer fee
£26.99
Delivery
1-4 business days
Recipient gets
C$865.78
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
£30.24
Rate
1.8294
Mid 1.8427 ▼0.72%
C$859.40
Recipient gets
Exchange rate
1.8294
Mid-market: 1.8427 (0.72% below)
Transfer fee
£30.24
Delivery
1-2 business days
Recipient gets
C$859.40
PayPal
Speed
Instant to 3 days
Fee
£14.95
Rate
1.7629
Mid 1.8427 ▼4.33%
C$855.10
Recipient gets
Exchange rate
1.7629
Mid-market: 1.8427 (4.33% below)
Transfer fee
£14.95
Delivery
Instant to 3 days
Recipient gets
C$855.10
Rate History
↓ 0.1% over 53d
1.7645
1.75 – 1.78
-0.1%
Deals & promotions
Sign-up offer
$10 when signing up via a referral link
Refer a friend
You get $10 per referral (up to 5 friends, $50 max)
Friend gets $10 after signing up and spending/sending $5+
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£14.95
Rate
1.7307
Mid 1.8427 ▼6.08%
C$839.46
Recipient gets
Exchange rate
1.7307
Mid-market: 1.8427 (6.08% below)
Transfer fee
£14.95
Delivery
Minutes to 3 days
Recipient gets
C$839.46
Rate History
↓ 2.0% over 53d
1.7587
1.72 – 1.79
-1.6%
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
TorFX
Speed
1-3 business days
Fee
£40.70
Rate
1.8248
Mid 1.8427 ▼0.97%
C$838.15
Recipient gets
Exchange rate
1.8248
Mid-market: 1.8427 (0.97% below)
Transfer fee
£40.70
Delivery
1-3 business days
Recipient gets
C$838.15
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
Currencies Direct
Speed
1-2 business days
Fee
£54.49
Rate
1.8193
Mid 1.8427 ▼1.27%
C$810.53
Recipient gets
Exchange rate
1.8193
Mid-market: 1.8427 (1.27% below)
Transfer fee
£54.49
Delivery
1-2 business days
Recipient gets
C$810.53
Lloyds Bank
Speed
2-5 business days
Fee
£47.50
Rate
1.7758
Mid 1.8427 ▼3.63%
C$803.56
Recipient gets
Exchange rate
1.7758
Mid-market: 1.8427 (3.63% below)
Transfer fee
£47.50
Delivery
2-5 business days
Recipient gets
C$803.56
Rate History
↓ 0.2% over 53d
1.7810
1.76 – 1.80
-0.3%
Exchange rate
1.7745
Mid-market: 1.8427 (3.70% below)
Transfer fee
£47.50
Delivery
1-3 business days
Recipient gets
C$802.97
Rate History
→ 0.0% over 50d
1.7815
1.76 – 1.80
-0.4%
Exchange rate
1.8011
Mid-market: 1.8427 (2.26% below)
Transfer fee
£75.00
Delivery
2-5 business days
Recipient gets
C$765.45
Rate History
→ 0.0% over 53d
1.8092
1.79 – 1.84
-0.5%
Exchange rate
1.7874
Mid-market: 1.8427 (3.00% below)
Transfer fee
£125.00
Delivery
2-5 business days
Recipient gets
C$670.28
Rate History
Rate up 0.4%↑ 0.4% over 53d
1.7955
1.78 – 1.81
-0.5%