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Compare exchange rates, fees, and delivery times from 52+ providers to find the cheapest way to send money abroad.
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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 R4,241 — Monese vs Currencies Direct
60d trend
Today's best
22.1407
HSBC
60d average
22.3768
Period best
22.4600
2026-03-28
Period worst
21.9673
2026-03-16
Based on 60 days of rate data across 14 providers · Updated every 6 hours
Exchange rate
22.3773
Mid-market: 22.3863 (0.04% below)
Transfer fee
£3.00
Delivery
1-3 business days
Recipient gets
R11,121.53
Rate History
→ 0.0% over 60d
22.3071
21.96 – 22.74
+0.3%
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
22.2072
Estimated · click to quote
~R11,103.60
Estimated
Exchange rate
22.2072
Mid-market: 22.3863 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~R11,103.60
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
22.1400
Mid 22.3863 ▼1.10%
R11,070.02
Recipient gets
Exchange rate
22.1400
Mid-market: 22.3863 (1.10% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
R11,070.02
Rate History
↓ 0.1% over 60d
22.0871
21.75 – 22.50
+0.2%
Remitly
Speed
Minutes to 3-5 days
Fee
£1.49
Rate
22.1960
Mid 22.3863 ▼0.85%
R11,064.93
Recipient gets
Exchange rate
22.1960
Mid-market: 22.3863 (0.85% below)
Transfer fee
£1.49
Delivery
Minutes to 3-5 days
Recipient gets
R11,064.93
Rate History
↑ 0.3% over 51d
22.1297
21.76 – 22.52
+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
Western Union
Speed
Minutes to 5 days
Fee
£1.99
Rate
22.0841
Mid 22.3863 ▼1.35%
R10,998.09
Recipient gets
Exchange rate
22.0841
Mid-market: 22.3863 (1.35% below)
Transfer fee
£1.99
Delivery
Minutes to 5 days
Recipient gets
R10,998.09
Rate History
→ 0.0% over 60d
22.0109
21.65 – 22.46
+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)
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
21.9900
Mid 22.3863 ▼1.77%
R10,995.02
Recipient gets
Exchange rate
21.9900
Mid-market: 22.3863 (1.77% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
R10,995.02
Rate History
Most stable rate↑ 0.2% over 7d
21.9814
21.95 – 22.02
+0.0%
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
21.8378
Mid-market: 22.3863 (2.45% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
R10,918.91
Rate History
↓ 0.2% over 60d
21.8070
21.53 – 22.21
+0.1%
Royal Bank of Scotland
Speed
2-5 business days
Fee
Free
Rate
21.8378
Mid 22.3863 ▼2.45%
R10,918.91
Recipient gets
Exchange rate
21.8378
Mid-market: 22.3863 (2.45% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
R10,918.91
Rate History
↓ 0.2% over 60d
21.8070
21.53 – 22.21
+0.1%
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
21.7863
Mid 22.3863 ▼2.68%
R10,893.17
Recipient gets
Exchange rate
21.7863
Mid-market: 22.3863 (2.68% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
R10,893.17
Rate History
↓ 0.8% over 60d
21.7253
21.40 – 22.11
+0.3%
OFX
Speed
1-3 business days
Fee
£7.00
Rate
21.9318
Mid 22.3863 ▼2.03%
R10,812.40
Recipient gets
Exchange rate
21.9318
Mid-market: 22.3863 (2.03% below)
Transfer fee
£7.00
Delivery
1-3 business days
Recipient gets
R10,812.40
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£2.99
Rate
21.6744
Mid 22.3863 ▼3.18%
R10,772.39
Recipient gets
Exchange rate
21.6744
Mid-market: 22.3863 (3.18% below)
Transfer fee
£2.99
Delivery
Minutes to 3 days
Recipient gets
R10,772.39
Rate History
↑ 0.6% over 60d
21.6648
21.35 – 22.11
+0.1%
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
Nationwide
Speed
2-5 business days
Fee
£15.00
Rate
21.9721
Mid 22.3863 ▼1.85%
R10,656.49
Recipient gets
Exchange rate
21.9721
Mid-market: 22.3863 (1.85% below)
Transfer fee
£15.00
Delivery
2-5 business days
Recipient gets
R10,656.49
Rate History
↑ 0.4% over 60d
21.8161
21.25 – 22.31
+0.7%
Wise
Speed
Instant to 2 days
Fee
£26.14
Rate
22.3729
Mid 22.3863 ▼0.06%
R10,601.60
Recipient gets
Exchange rate
22.3729
Mid-market: 22.3863 (0.06% below)
Transfer fee
£26.14
Delivery
Instant to 2 days
Recipient gets
R10,601.60
Rate History
↓ 0.6% over 6d
22.3140
22.19 – 22.40
-0.2%
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)
XE
Speed
1-4 business days
Fee
£30.16
Rate
22.2385
Mid 22.3863 ▼0.66%
R10,448.55
Recipient gets
Exchange rate
22.2385
Mid-market: 22.3863 (0.66% below)
Transfer fee
£30.16
Delivery
1-4 business days
Recipient gets
R10,448.55
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
£37.51
Rate
22.2117
Mid 22.3863 ▼0.78%
R10,272.68
Recipient gets
Exchange rate
22.2117
Mid-market: 22.3863 (0.78% below)
Transfer fee
£37.51
Delivery
1-2 business days
Recipient gets
R10,272.68
TorFX
Speed
1-3 business days
Fee
£50.48
Rate
22.1490
Mid 22.3863 ▼1.06%
R9,956.41
Recipient gets
Exchange rate
22.1490
Mid-market: 22.3863 (1.06% below)
Transfer fee
£50.48
Delivery
1-3 business days
Recipient gets
R9,956.41
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
£181.32
Rate
21.5916
Mid 22.3863 ▼3.55%
R6,880.80
Recipient gets
Exchange rate
21.5916
Mid-market: 22.3863 (3.55% below)
Transfer fee
£181.32
Delivery
1-2 business days
Recipient gets
R6,880.80