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Compare Features
Fees None | Fees None | Fees None | Fees $1.99 - $2.99 |
Exchange Rate Markup 0.15% - 1.5% | Exchange Rate Markup 0.1% - 0.6% | Exchange Rate Markup 0.4% - 1.5% | Exchange Rate Markup 0.3% - 2.1% |
Transfer Speed Minutes - 24 hours | Transfer Speed Minutes - 3 days | Transfer Speed Minutes - 24 hours | Transfer Speed Minutes - 24 hours |
Currencies Supported 40 | Currencies Supported 20 | Currencies Supported 50 | Currencies Supported 100 |
| Visit | Visit | Visit | Visit |
Money Transfer Company Reviews
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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.
- Personal service that aids in the challenges of large transactions
- Ability to lock in rates with forward contracts ahead of milestone purchases
- Does not have a mobile app, just an online platform (although this is mobile friendly)
- Serves fewer countries than XE or Wise
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.
- 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
- No cash pickup in Australia and New Zealand
- No cash payment option
- Markup charged on exchange rate is less competitive than the cheapest options
Key Currency is one of the best-managed services, because of its competitive rates in Europe.
The company is listed as the cheapest managed service provider in 78% of transfers involving the euro, compared to 13% for OFX and 8% for Regency FX.
The company sits a little further down the list as Regency FX offers a bit more scope in terms of cheaper currencies other than the euro.
- Large transfers to and from Europe are hugely competitive
- Access to Spanish speaking account managers
- One of the best rated managed services on TrustPilot (4.9 / 5)
- Only 19 currencies in total - smaller than many other managed service providers
- Online, email and phone-based could put some people off
OFX is a managed service provider that, similarly to Currencies Direct, offers a nice blend of online support to match.
The company makes our list because of the ease of making routine or regular payments.
For businesses, there’s also the added benefit of being able to make mass payments. Take a look at our OFX business review to learn more about their business features.
The customer service offered by OFX is another reason we’d recommend them for larger transfers, or those unsure of the full process.
Reviews often cite them as being patient and helpful. This is helpful for complex situations where transaction amounts could be quite high.
- Intuitive app that comes with a range of nice features
- Competitive exchange rates starting from 1.3%
- Mass payment functionality that is one of the best in the market
- Nice blend of online-only and managed service options
- Slightly more catered to business, so might not be great for ongoing personal use
Currencies Direct is a great choice for sending money abroad if you’re looking to send money to Europe in particular. Although USD and AUD are also supported.
The company is listed as one of the best for buying property abroad as it is one of the cheapest managed services on the market.
They are listed as the cheapest option in 51% of all managed service searches on our site. For reference, Regency FX was second on the list at 32%.
- Great options to send money to and from Europe
- No transfer fees for international transfers (although a higher exchange rate than some)
- Expert insights, analysis and rate alerts are available
- Only allows bank-to-bank transfers
- Limited support for African currencies
Best Overall Choice for International Money Transfers
| Name | Score | Visit | Exchange Rate Markup | Fees | Currencies Supported | Transfer Speed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
.svg) | 8.6 | Visitregencyfx.com | 0.15% - 1.5% | None | 40 | Minutes - 24 hours |
