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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.
59d trend
Today's best
1.3312
InstaReM
59d average
1.3348
Period best
1.3553
2026-05-09
Period worst
1.3113
2026-04-04
Based on 59 days of rate data across 21 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
1.3332
Estimated · click to quote
~$666.60
Estimated
Exchange rate
1.3332
Mid-market: 1.3399 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~$666.60
Remitly
Speed
Minutes to 3-5 days
Fee
£0.99
Rate
1.3345
Mid 1.3399 ▼0.40%
$665.95
Recipient gets
Exchange rate
1.3345
Mid-market: 1.3399 (0.40% below)
Transfer fee
£0.99
Delivery
Minutes to 3-5 days
Recipient gets
$665.95
Rate History
↑ 1.2% over 50d
1.3379
1.32 – 1.36
-0.3%
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
InstaReM
Speed
1-3 business days
Fee
Free
Rate
1.3312
Mid 1.3399 ▼0.65%
$665.59
Recipient gets
Exchange rate
1.3312
Mid-market: 1.3399 (0.65% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
$665.59
Rate History
Best rate 50 of 59 days↑ 1.1% over 50d
1.3337
1.31 – 1.36
-0.2%
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)
Exchange rate
1.3390
Mid-market: 1.3399 (0.07% below)
Transfer fee
£3.00
Delivery
1-3 business days
Recipient gets
$665.46
Rate History
↑ 1.3% over 59d
1.3424
1.32 – 1.36
-0.3%
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
1.3300
Mid 1.3399 ▼0.74%
$664.99
Recipient gets
Exchange rate
1.3300
Mid-market: 1.3399 (0.74% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
$664.99
Rate History
↓ 0.8% over 7d
1.2971
1.29 – 1.31
+0.2%
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
Exchange rate
1.3290
Mid-market: 1.3399 (0.81% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
$664.52
Rate History
↑ 1.3% over 59d
1.3324
1.31 – 1.35
-0.3%
MoneyGram
Speed
Minutes to 3 days
Fee
£2.49
Rate
1.3260
Mid 1.3399 ▼1.04%
$659.68
Recipient gets
Exchange rate
1.3260
Mid-market: 1.3399 (1.04% below)
Transfer fee
£2.49
Delivery
Minutes to 3 days
Recipient gets
$659.68
Rate History
↑ 1.2% over 59d
1.3292
1.31 – 1.35
-0.2%
Deals & promotions
Sign-up offer
20% off fee on second transfer when joining MoneyGram Plus Rewards
Refer a friend
You get Zero-fee transfer after friend completes first transaction
Friend gets Zero-fee first transfer
Loyalty program
MoneyGram Plus Rewards — free to join, earn points on transfers. Premier status after 5 transfers: 40% off every 5th transfer.
Western Union
Speed
Minutes to 5 days
Fee
£1.99
Rate
1.3240
Mid 1.3399 ▼1.19%
$659.34
Recipient gets
Exchange rate
1.3240
Mid-market: 1.3399 (1.19% below)
Transfer fee
£1.99
Delivery
Minutes to 5 days
Recipient gets
$659.34
Rate History
↑ 2.0% over 59d
1.3269
1.30 – 1.35
-0.2%
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)
WorldRemit
Speed
Minutes to 3 days
Fee
£1.99
Rate
1.3222
Mid 1.3399 ▼1.32%
$658.47
Recipient gets
Exchange rate
1.3222
Mid-market: 1.3399 (1.32% below)
Transfer fee
£1.99
Delivery
Minutes to 3 days
Recipient gets
$658.47
Rate History
↑ 1.3% over 59d
1.3255
1.30 – 1.35
-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+
Royal Bank of Scotland
Speed
2-5 business days
Fee
Free
Rate
1.3081
Mid 1.3399 ▼2.37%
$654.07
Recipient gets
Exchange rate
1.3081
Mid-market: 1.3399 (2.37% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
$654.07
Rate History
↑ 1.1% over 59d
1.3119
1.29 – 1.33
-0.3%
Exchange rate
1.3081
Mid-market: 1.3399 (2.37% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
$654.07
Rate History
↑ 1.1% over 59d
1.3119
1.29 – 1.33
-0.3%
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
1.3028
Mid 1.3399 ▼2.77%
$651.39
Recipient gets
Exchange rate
1.3028
Mid-market: 1.3399 (2.77% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
$651.39
Rate History
↑ 0.5% over 59d
1.3064
1.28 – 1.33
-0.3%
Skrill
Speed
Instant to 3 business days
Fee
Free
Rate
1.3008
Mid 1.3399 ▼2.92%
$650.39
Recipient gets
Exchange rate
1.3008
Mid-market: 1.3399 (2.92% below)
Transfer fee
Free
Delivery
Instant to 3 business days
Recipient gets
$650.39
Rate History
↑ 1.3% over 59d
1.3038
1.28 – 1.32
-0.2%
OFX
Speed
1-3 business days
Fee
£7.00
Rate
1.3107
Mid 1.3399 ▼2.18%
$646.17
Recipient gets
Exchange rate
1.3107
Mid-market: 1.3399 (2.18% below)
Transfer fee
£7.00
Delivery
1-3 business days
Recipient gets
$646.17
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
PayPal
Speed
Instant to 3 days
Fee
£2.99
Rate
1.2839
Mid 1.3399 ▼4.18%
$638.11
Recipient gets
Exchange rate
1.2839
Mid-market: 1.3399 (4.18% below)
Transfer fee
£2.99
Delivery
Instant to 3 days
Recipient gets
$638.11
Rate History
↑ 1.2% over 59d
1.2847
1.26 – 1.30
-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+
Exchange rate
1.3067
Mid-market: 1.3399 (2.48% below)
Transfer fee
£15.00
Delivery
2-5 business days
Recipient gets
$633.73
Rate History
↑ 1.8% over 59d
1.3135
1.28 – 1.34
-0.5%
Exchange rate
1.2918
Mid-market: 1.3399 (3.59% below)
Transfer fee
£9.50
Delivery
2-5 business days
Recipient gets
$633.63
Rate History
↑ 1.3% over 59d
1.2947
1.27 – 1.31
-0.2%
Exchange rate
1.2911
Mid-market: 1.3399 (3.64% below)
Transfer fee
£9.50
Delivery
1-3 business days
Recipient gets
$633.30
Rate History
↑ 1.3% over 56d
1.2959
1.27 – 1.32
-0.4%
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£1.99
Rate
1.2629
Mid 1.3399 ▼5.75%
$628.91
Recipient gets
Exchange rate
1.2629
Mid-market: 1.3399 (5.75% below)
Transfer fee
£1.99
Delivery
Minutes to 3 days
Recipient gets
$628.91
Rate History
↓ 0.3% over 59d
1.2808
1.26 – 1.30
-1.4%
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
Exchange rate
1.2990
Mid-market: 1.3399 (3.05% below)
Transfer fee
£25.00
Delivery
2-5 business days
Recipient gets
$617.04
Rate History
↑ 1.4% over 59d
1.3046
1.28 – 1.33
-0.4%