Compare Features

Fees
$1.99 - $2.99
Fees
None
Fees
None
Exchange Rate Markup
0.3% - 2.1%
Exchange Rate Markup
0.15% - 1.5%
Exchange Rate Markup
0.15% - 1.5%
Transfer Speed
Minutes - 24 hours
Transfer Speed
Minutes - 24 hours
Transfer Speed
Minutes - 24 hours
Currencies Supported
100
Currencies Supported
40
Currencies Supported
40
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Money Transfer Company Reviews

Xe
Xe

We’ve found them to be faster on larger transfers. For comparison, a $10,000 transfer on XE to the UK will arrive on the same day.

The same transfer on Wise has an estimated delivery of 3 days. Although they are largely in line with Wise for smaller transfers.

The company is listed as one of the best ways to send money to friends and family, as well as buying goods overseas. The benefit of using XE for this, paired with its general speed, is simply the peace of mind it offers.

Pros
  • Fast transfers for higher amounts in particular
  • Ability to opt for a managed service if needed
  • Access to historical data and rate alerts aids in planning and understanding if you are getting a good deal on a transfer
Cons
  • No cash pickup in Australia and New Zealand
  • No cash payment option
  • Markup charged on exchange rate is less competitive than the cheapest options
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Currencyflow
Currencyflow

Currencyflow is one of the best-managed services, because of its competitive rates across major currencies.

The company sits a little further down the list as Regency FX offers a bit more confidence, with more customers and trading volume behind it.

Pros
  • Large transfers to and from Europe are hugely competitive
  • Very hands-on team available to help with your transfer
Cons
  • Fewer currencies than XE, but covers most use cases still
  • Focus on high-touch phone service, without an app, isn't for everyone

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Regency FX
Regency FX

When it comes to handling big international money transfers, we recommend the UK-based Regency FX.

They are one of our best choices for different types of large purchases. This includes buying property, mass payments for business, and milestone events.

The specialist nature of large transfers also allows for more insight into taxes and processes that you might need to consider.

They are the recommended provider in 32% of searches on our site where a managed service is the best option.

Pros
  • Personal service that aids in the challenges of large transactions
  • Ability to lock in rates with forward contracts ahead of milestone purchases
Cons
  • Does not have a mobile app, just an online platform (although this is mobile friendly)
  • Serves fewer countries than XE or Wise
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Best Overall Choice for International Money Transfers

Regency FX8.6Visitregencyfx.com
0.15% - 1.5%
None
40
Minutes - 24 hours