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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 ₦17,648 — InstaReM vs Western Union
60d trend
Today's best
1366.1859
MoneyGram
60d average
1395.9322
Period best
1405.0000
2026-03-29
Period worst
1349.5800
2026-03-18
Based on 60 days of rate data across 13 providers · Updated every 6 hours
InstaReM
Speed
1-3 business days
Fee
Free
Rate
1369.7279
Mid 1371.7856 ▼0.15%
₦684,863.96
Recipient gets
Exchange rate
1369.7279
Mid-market: 1371.7856 (0.15% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₦684,863.96
Rate History
↓ 1.1% over 60d
1356.5573
1320.28 – 1378.59
+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)
Wise
Speed
Instant
Fee
$1.71
Rate
1374.1176
Mid 1371.7856 ▲0.17%
₦684,709.07
Recipient gets
Exchange rate
1374.1176
Mid-market: 1371.7856 (0.17% above)
Transfer fee
$1.71
Delivery
Instant
Recipient gets
₦684,709.07
Rate History
↓ 0.7% over 60d
1374.3953
1357.18 – 1397.98
-0.0%
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)
MoneyGram
Speed
0-1 days
Fee
Free
Rate
1365.7497
Mid 1371.7856 ▼0.44%
₦682,874.87
Recipient gets
Exchange rate
1365.7497
Mid-market: 1371.7856 (0.44% below)
Transfer fee
Free
Delivery
0-1 days
Recipient gets
₦682,874.87
Rate History
↓ 1.2% over 54d
1381.0255
1366.19 – 1383.00
-1.1%
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.
Exchange rate
1368.6305
Mid-market: 1371.7856 (0.23% below)
Transfer fee
$1.99
Delivery
2 days
Recipient gets
₦681,591.67
Rate History
Rate up 0.2%↑ 0.2% over 54d
1366.7288
1366.36 – 1370.85
+0.2%
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
1361.4972
Mid 1371.7856 ▼0.75%
₦680,748.60
Recipient gets
Exchange rate
1361.4972
Mid-market: 1371.7856 (0.75% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
₦680,748.60
Rate History
Best rate 44 of 60 days↓ 3.1% over 54d
1399.1974
1356.33 – 1404.49
-2.7%
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
Ria Money Transfer
Speed
Instant
Fee
$1.90
Rate
1365.7497
Mid 1371.7856 ▼0.44%
₦680,279.94
Recipient gets
Exchange rate
1365.7497
Mid-market: 1371.7856 (0.44% below)
Transfer fee
$1.90
Delivery
Instant
Recipient gets
₦680,279.94
Rate History
↓ 0.1% over 54d
1366.1202
1348.42 – 1367.18
+0.0%
Exchange rate
1359.7139
Mid-market: 1371.7856 (0.88% below)
Transfer fee
Free
Delivery
Instant
Recipient gets
₦679,856.94
Rate History
↓ 1.4% over 54d
1377.5796
1358.08 – 1380.10
-1.3%
WorldRemit
Speed
0-3 days
Fee
$0.99
Rate
1359.7139
Mid 1371.7856 ▼0.88%
₦678,510.82
Recipient gets
Exchange rate
1359.7139
Mid-market: 1371.7856 (0.88% below)
Transfer fee
$0.99
Delivery
0-3 days
Recipient gets
₦678,510.82
Rate History
↓ 1.4% over 54d
1377.5796
1358.08 – 1380.10
-1.3%
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+
Exchange rate
1356.9703
Mid-market: 1371.7856 (1.08% below)
Transfer fee
Free
Delivery
Instant
Recipient gets
₦678,485.15
Rate History
↓ 0.9% over 54d
1368.3809
1352.88 – 1370.20
-0.8%
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
1349.9742
Mid 1371.7856 ▼1.59%
₦674,987.10
Recipient gets
Exchange rate
1349.9742
Mid-market: 1371.7856 (1.59% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
₦674,987.10
Rate History
↓ 3.7% over 54d
1374.0185
1347.00 – 1405.00
-1.8%
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
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
1343.2525
Mid 1371.7856 ▼2.08%
₦671,626.23
Recipient gets
Exchange rate
1343.2525
Mid-market: 1371.7856 (2.08% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
₦671,626.23
Rate History
↓ 1.4% over 54d
1345.0504
1332.33 – 1363.52
-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
Western Union
Speed
0-4 days
Fee
$0.99
Rate
1337.0794
Mid 1371.7856 ▼2.53%
₦667,216.00
Recipient gets
Exchange rate
1337.0794
Mid-market: 1371.7856 (2.53% below)
Transfer fee
$0.99
Delivery
0-4 days
Recipient gets
₦667,216.00
Rate History
2.5% markup↓ 0.8% over 54d
1345.8498
1325.52 – 1348.11
-0.6%
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)