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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 KSh8,628 — Regency FX vs Wise
54d trend
Today's best
171.8930
InstaReM
54d average
173.3912
Period best
174.9534
2026-05-09
Period worst
171.1448
2026-05-18
Based on 54 days of rate data across 13 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
171.9586
Estimated · click to quote
~KSh85,979.30
Estimated
Exchange rate
171.9586
Mid-market: 173.3454 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~KSh85,979.30
InstaReM
Speed
1-3 business days
Fee
Free
Rate
171.8893
Mid 173.3454 ▼0.84%
KSh85,944.64
Recipient gets
Exchange rate
171.8893
Mid-market: 173.3454 (0.84% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
KSh85,944.64
Rate History
↑ 0.2% over 44d
172.7327
170.51 – 174.95
-0.5%
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
170.2945
Mid 173.3454 ▼1.76%
KSh85,147.25
Recipient gets
Exchange rate
170.2945
Mid-market: 173.3454 (1.76% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
KSh85,147.25
Rate History
Best rate 25 of 54 days↓ 1.4% over 54d
172.8811
170.30 – 174.70
-1.5%
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
Free
Rate
170.0865
Mid 173.3454 ▼1.88%
KSh85,043.24
Recipient gets
Exchange rate
170.0865
Mid-market: 173.3454 (1.88% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
KSh85,043.24
Rate History
↑ 0.3% over 44d
170.9371
168.40 – 173.11
-0.5%
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
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
169.3064
Mid 173.3454 ▼2.33%
KSh84,653.21
Recipient gets
Exchange rate
169.3064
Mid-market: 173.3454 (2.33% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
KSh84,653.21
Rate History
↑ 0.9% over 53d
169.1216
165.75 – 171.49
+0.1%
Skrill
Speed
Instant to 3 business days
Fee
Free
Rate
169.0291
Mid 173.3454 ▼2.49%
KSh84,514.54
Recipient gets
Exchange rate
169.0291
Mid-market: 173.3454 (2.49% below)
Transfer fee
Free
Delivery
Instant to 3 business days
Recipient gets
KSh84,514.54
Rate History
↑ 0.8% over 53d
169.2554
166.47 – 171.31
-0.1%
Western Union
Speed
Minutes to 5 days
Fee
£2.99
Rate
169.6358
Mid 173.3454 ▼2.14%
KSh84,310.68
Recipient gets
Exchange rate
169.6358
Mid-market: 173.3454 (2.14% below)
Transfer fee
£2.99
Delivery
Minutes to 5 days
Recipient gets
KSh84,310.68
Rate History
↑ 0.5% over 53d
169.8558
167.33 – 171.89
-0.1%
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)
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
168.4397
Mid 173.3454 ▼2.83%
KSh84,219.85
Recipient gets
Exchange rate
168.4397
Mid-market: 173.3454 (2.83% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
KSh84,219.85
Rate History
↑ 0.7% over 53d
168.8569
166.05 – 170.90
-0.3%
Royal Bank of Scotland
Speed
2-5 business days
Fee
Free
Rate
168.3704
Mid 173.3454 ▼2.87%
KSh84,185.18
Recipient gets
Exchange rate
168.3704
Mid-market: 173.3454 (2.87% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
KSh84,185.18
Rate History
↑ 0.5% over 53d
169.2307
166.52 – 171.52
-0.5%
NatWest
Speed
2-5 business days
Fee
Free
Rate
168.3704
Mid 173.3454 ▼2.87%
KSh84,185.18
Recipient gets
Exchange rate
168.3704
Mid-market: 173.3454 (2.87% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
KSh84,185.18
Rate History
↑ 0.5% over 53d
169.2307
166.52 – 171.52
-0.5%
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£2.99
Rate
165.5795
Mid 173.3454 ▼4.48%
KSh82,294.67
Recipient gets
Exchange rate
165.5795
Mid-market: 173.3454 (4.48% below)
Transfer fee
£2.99
Delivery
Minutes to 3 days
Recipient gets
KSh82,294.67
Rate History
↑ 0.1% over 53d
166.0427
163.29 – 168.29
-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
XE
Speed
1-4 business days
Fee
£31.49
Rate
172.1840
Mid 173.3454 ▼0.67%
KSh80,669.91
Recipient gets
Exchange rate
172.1840
Mid-market: 173.3454 (0.67% below)
Transfer fee
£31.49
Delivery
1-4 business days
Recipient gets
KSh80,669.91
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+)
Wise
Speed
Instant to 2 days
Fee
£53.55
Rate
173.2587
Mid 173.3454 ▼0.05%
KSh77,351.35
Recipient gets
Exchange rate
173.2587
Mid-market: 173.3454 (0.05% below)
Transfer fee
£53.55
Delivery
Instant to 2 days
Recipient gets
KSh77,351.35
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)