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What is SendScore?
SendScore is a 0–100 rating of whether today is a good day to send money on a given corridor, built from our own recorded provider rates rather than mid-market history. It combines four measurements — where today sits in the 90-day range, how it compares with the 30-day average, how far the best provider beats the field, and which way the market moved this week. Today, 64% of the 203corridors we can score read “good” or better.
Why nobody else publishes this
“Who is cheapest right now” is a snapshot anyone can take. “Is now a good time” needs months of provider rate history — not mid-market history, which is freely available and tells you nothing about what a provider will actually give you. We have been recording what each provider would deliver, every six hours, for a median of 164 days per scored corridor. A competitor would have to start collecting today and wait a quarter to answer the same question.
How the score is calculated
Four components, each scored 0–100 and then weighted. The weights are deliberately round numbers: they are a judgement about what a sender cares about, not a fitted model, and presenting them as anything more precise would be false precision.
Position in the 90-day range
40%Where today's best offer sits between the cheapest and dearest day we have recorded for this corridor.
Versus the 30-day average
25%How today compares with the past month. ±3% spans the full scale, because FX corridors rarely move more than that in a month.
Best provider versus the field
20%How far today's leader beats the median provider. The one component about provider choice rather than timing — a wide gap means comparing is worth real money.
This week versus last
15%Which way the corridor has moved. A falling market is flagged rather than silently rewarded.
If a component cannot be computed honestly it is dropped and the remaining weights are renormalised — the score never invents a factor to look precise. The sentence shown under every score is assembled from these same component figures, which is what stops a “great time to send” headline appearing above a falling market.
A worked example: USD → INR
Every number below is the one behind today’s published score for this corridor.
36
Poor time to send
170 days of recorded rates · high confidence
| Component | Weight | Scored |
|---|---|---|
| Position in the 90-day rangenear the 90-day low | 40% | 5 |
| Versus the 30-day average-0.82% vs the 30-day average | 25% | 36 |
| Best provider versus the fieldtoday's best beats the median provider by +2.71% | 20% | 100 |
| This week versus lastfalling — -0.83% week on week | 15% | 29 |
Today's best rate is -0.82% vs the 30-day average, near the 90-day low. Rates are falling — -0.83% week on week. Today's best beats the median provider by +2.71%.
How scores are distributed today
Across the 203 corridors with a genuine comparison behind them. A score is not a prediction — it says where today sits against what we have recorded, not where rates go next.
Exceptional time to send9
Great time to send52
Good time to send68
Typical time to send41
Poor time to send33
What SendScore is not
It is not a forecast.Every component is backward-looking. A “poor” score means today is weak against the past 90 days, not that waiting will be better.
It is not available everywhere. Of 965 corridors carrying a score, 762 have only one provider quoting. There is no field to beat on those, so the score is clamped to the neutral band and labelled a single-provider reading rather than presented as a comparison. The distribution above excludes them — including them would publish the clamp as though it were a finding about exchange rates.
It needs history. Below seven days of recorded rates no score is produced at all. Below 30 days it is marked low confidence and says so on the page. All 203 corridors in the distribution above are high confidence.
It says nothing about speed or safety. Delivery time is not a component. Neither is regulatory standing — see how we review providers for those.
SendScore answers when. For who, the Provider Consistency Index measures how often each provider actually delivers the most, and the Remittance Cost Index ranks them by true total cost. Scores appear on each corridor page, and our site-wide methodology covers data collection. Every dataset we publish is indexed on the research hub.
Provenance
- Data as of
- How the figures are produced
- Each corridor is scored from its own recorded provider rates, using the four weighted components set out above. Corridors with only one provider quoting are excluded from the published distribution rather than counted as neutral.
Primary sources
Analysis by
Akif HazarviEditor-in-Chief
Akif Hazarvi is the editor-in-chief of SendMoneyCompare with 8+ years in fintech and cross-border payments.
Corrections and independence: figures move with the scrape, so cite the data date above rather than the date you read this. Where we have published something wrong and fixed it, it is logged in corrections. No provider can buy a ranking or a place in these datasets — see our editorial policy and methodology.