The Best International money Transfer Services in the UK in 2026

The best international money transfer companies for UK customers

Our comparison system saves daily exchange rates, meaning we are able to show up to date markup and fees, paired with our testing data of 200+ money transfer services.

Below I've put together a list of the best money transfer companies based on my experience with each, and our analysed data.

Overall best option

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Cheapest option

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Best for large transfers

9.0

TorFx

Fees

None

Exchange Rate Markup

0.4% - 1.5%

Transfer Speed

Minutes - 24 hours

Visit

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Best features

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Fastest money transfers

8.6

Xe

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

Visit

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Best for sending cash

7.1

MoneyGram

Fees

1% - 3%

Exchange Rate Markup

2 - 4%

Transfer Speed

Minutes - 24 hours

Visit

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Best for cash delivery abroad

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Best for travelling

8.5

Monzo

Fees

Exchange Rate Markup

Transfer Speed

Visit

Notable mention for business transfers from the UK

Best global account

8.8

Airwallex

Transfer Fees

No fees

Exchange Rate Markup

0.5%

Transfer Speed

Minutes - 24 hours

Visit

"Airwallex offers a comprehensive financial platform for businesses. Make global transfers to 150+ countries, receive funds in 20+ currencies. Connect with popular software for a seamless approach."

Wise is the overall best and easiest to start with

It’s usually really hard to pin down the best service, since there are so many needs.

But in my experience, Wise covers a bit of everything for everyone with their product features, coverage, and low fees.

Wise always sends money at the mid-market rate (meaning no hidden markup fees) and the fees are usually from 0.33% depending on the currencies and amounts involved.

Here are a few examples for different destinations and amounts:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and Wise API.

With Wise you can send money to 106 destination currencies from the UK (that is a lot!).

For comparison, TapTap Send gives you 54, and HSBC Global Account comes with 27.

The only company on this list that offers more based on our data is MoneyGram (but that’s including their cash services).

And, unlike with traditional banks, there are no receiving fees for supported currencies.

Speaking of receiving, if you have a UK address, you get access to the multi-currency account and their travel card.

This allows you to receive money into your Wise account and spend right away.

Be it you receiving money in the UK, or you sending abroad and them receiving somewhere else.

Wise is FCA regulated and keeps customer funds separate from operating money.

Should anything go wrong, your money is protected to some degree.

I’ve personally had my Wise account for four years now and keep it on me when travelling, spending abroad, or sending to family back home in Europe.

I’ve actually recently used it in South Korea with no issues (and before that in Japan, Bali, and Lithuania).

Also worth mentioning, Wise also offers a business account with great features.

We’ve covered it in a bit more detail in our Wise Business review.

But it's not all perfect, there are a few limitations with Wise:

• It is often seen as the cheapest, but its not.

• Larger transfers over £25,000 are more expensive even when they offer volume discounts

• No phone support for transfer help (there's a tech line for issues though)

• Withdrawal options are limited to bank deposits (and many via SWIFT)

• No FSCS protection on the balance in a multi-currency account (Wise is not a bank).

And combining the above, results in a lot of negative reviews from other users you see on Trustpilot, Reddit, and from our own users.

TapTap Send is the overall cheapest option

Most of the cost is built into the exchange rate markup, with minimal fees.

This makes it a bit less transparent than Wise, but still cheaper in many cases.

For transfers to India, Pakistan, Ghana and the West African franc zone you can expect to pay around 0.2% markup.

Just like with any money transfer company, it’s not always the cheapest.

For example sending £2,000 to Spain will cost you a bit more ( in markup).

This is why we always recommend running a live comparison to get the best deal.

This is how much you can expect to receive based on most popular corridors and different amounts:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and TapTap Send API.

TapTap reports 95% of transfers arrive within three minutes, and on popular corridors that held up in my testing (you can learn more about it in our TapTap Send review).

Recipients can receive money by bank deposit, mobile wallet (MTN, bKash and similar), or cash pickup, and they don't need an account.

But there are a few limitations with TapTap Send:

• It’s app only, but I don’t think that’s a deal breaker

• It’s more expensive for the EU transfers and other exotic currencies

• Limits are fine for regular sends but too low for large one-offs

• Sending money within the UK has a fee

TapTap Send is FCA authorised in the UK as an Electronic Money Institution, and holds customer funds separately from company money.

TorFX is overall best for large transfers from the UK

Where Wise or TapTap are great on small everyday transfers, TorFX is best for the £10,000+ transfers.

The big difference is that you get a real account manager.

It’s a named person who handles your transfers, and because their whole operation is geared to UK customers, they can often negotiate better rates on large GBP transfers than you'd get self-serving through an app.

There's no transfer fee, and rates are quoted per deal rather than a fixed markup. Here are a few examples:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine. We have an exclusive deal with TorFX, so what you get with us will be different to other sites online.

TorFX only supports ~40 currencies, well below Wise and Currencies Direct, and it's aimed specifically at the UK, EU, and a few other territories rather than a global audience.

This works if you're moving large amounts of GBP to major currencies like EUR, USD, AUD, AED, less so for smaller or exotic corridors.

If you need to move money to more exotic areas, I strongly suggest considering RegencyFX.

TorFX works online and through the app, however, app transfers cap at £50,000, for anything above you will need to contact your account manager.

This is partially the reason why it’s on the list. If you make frequent large transfers, doing it through the app is faster and more convenient.

With TorFX, you also get the usual broker tools, including forward contracts to lock a rate ahead of time, limit orders, and stop-loss orders.

I often speak to their account managers, and their knowledge on currency markets and customer needs is probably better than most other currency brokers I've dealt with.

They would usually advise you on the exchange rates, timing your transfer, handling paperwork for larger purchases abroad, etc. It’s this expertise you are paying for.

TorFX is FCA regulated and follows safeguarding practices, keeping your money separate from company funds.

Revolut offers the overall best features

Revolut offers a multi-currency account, debit card, savings interest, and a business account all with competitive international money transfers.

As of March 2026, Revolut holds a full UK banking licence, so money in your account is now FSCS protected up to £120,000.

This is perfect if you need a bank, a savings account, a multi-currency account, and make international transfers.

Gradual rollout

Accounts are being gradually transitioned into full bank accounts. Not all accounts are currently full bank accounts.

Revolut Standard plan is cheaper than most companies, but the fee structure is way more complex and less transparent than others.

You get a good FX rate on transfers during the week, though exchanging over the weekend adds an additional 1% markup.

You also have a monthly exchange allowance (£1000/m on standard plan), beyond that there’s an additional 1% fee. With paid accounts, this limit is increased or removed completely.

Premium accounts

You can upgrade and lift those limits and reduce the fees. But each plan has a monthly cost. Check out our Revolut review to learn more about these, or check their pricing page.

Based on my testing (more about it in the Revolut vs Wise comparison), the standard plan is usually the cheapest option for converting under £1,000 per month.

This includes travelling abroad, sending money home, and anything that includes converting GBP to another currency.

Here are a few examples for most popular destinations and different amounts:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and Revolut API.

Transfers between Revolut accounts

Revolut-to-Revolut transfers (regardless of location) are instant, and free anywhere in the world. This is great if you and the recipient both have Revolut accounts, and Revolut supports the receiving currency.

Transfers to external banks can take minutes to 5 business days.

There are no transfer limits either, which makes it a viable but expensive option for larger transfers, though coverage is narrow, around 35 countries and 36 currencies, well below Wise or Currencies Direct.

But there are a few drawbacks of using Revolut:

• It’s hard to predict the cost, but you’ll see it in the app before you send

• Limited currencies and destination countries

• Weekend transfers and above allowance carry additional fees

• Lack of support options

But personally to me, the benefits outweighs the limitations, and only ever switch to premium when I know I'm going travelling or planning to send money abroad.

Xe is generally the fastest

Just to be clear, most transfers under £2000 - £3000 will almost always be instant, especially from the UK with open banking, apple pay, and google pay deposit options.

Speed becomes more of a question for exotic currencies and larger amounts (£5,000+).

From the UK, you can send money to 190 countries (in 100+ different currencies). This makes it a good option for harder-to-reach areas.

Based on our comparison data, a £5,000 transfer to Canada, Australia, or the US often lands the same day, where Wise would take around 3 days.

In fact, you can expect most transfers to major currencies to be within a few hours, and for more exotic ones within a day or two.

Fees are roughly £1.50-£2.50 per transfer with a markup of 0.3% to 2.1% depending on the route, so it's competitive on mid-sized transfers but less so on small ones.

Here are a few examples of what you can expect in terms of fees, markup, and speed:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and Xe API.

All figures are verified via our comparison engine and Xe API.

With Xe you can make transfers online, or using their app.

From all the reviews and test transfers I did, I think Xe’s app is in my top 3.

It’s really easy to use, comes with great features like currency tracking and a converter, lets you check rates before signing up, and is just straightforward to use.

On bigger transfers (over £50k) you also get a dedicated account manager, just like with TorFx, but since it’s not their core focus, the support quality is slightly worse compared to other UK currency brokers.

Still convenient if you make multiple transfers per year of different amounts.

Xe is FCA regulated and follows safeguarding practices like others.

On the downside, it’s less competitive on price for certain corridors and amounts, there are no cash deposit or pickup options, and in some cases they may hold your funds for a week or so while running AML checks.

MoneyGram is overall the best for in-person transfers

Where the app-first money transfer providers keep everything digital, MoneyGram's real strength is its physical network with over 200,000 agents across 200+ countries.

This means you can send cash from the UK, and the receiver can pick it up almost anywhere in the world.

Alongside cash pickup you get home delivery, post office collection (Royal Mail and others), and mobile wallet options like WeChat and M-Pesa, which covers hard-to-reach corridors many providers can't.

New customers also get a promotional rate and no fee on their first transfer, which makes it even cheaper compared to many other options.

Beyond the first transfer, MoneyGram adds an average markup of around 1.33%, and while smaller transfers have a small fee, transfers above a certain threshold get expensive fast.

Here are a few examples beyond the first-transfer offers:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and MoneyGram API.

Cash pickups are near-instant, but bank deposits can take up to 1-3 working days (sometimes up to 10) depending on the destination, amount, and any checks involved.

I’ve sent cash with MoneyGram a few times now.

One thing I really like is being able to start the process in the app, and finish it off in the store.

For example, I initiated the transfer on my way to the agent store, and just paid for it on the spot.

But it is not perfect, there are a few downsides with MoneyGram:

• It’s a bit more expensive without the promos

• Transfers capped at around £10,000

• You can't see delivery-method costs until you've signed up (this one is very annoying for me)

MoneyGram is regulated by the FCA and HMRC in the UK as an Authorised Payment Institution, and keeps client funds separate from company money.

Remitly is overall the best for cash delivery

It's essentially a money-delivery specialist offering cash pickup, cash delivery, and mobile wallet options that get funds to your recipient fast.

Yes, MoneyGram does this too, but the cost and the speed is the difference, especially on cash delivery.

Remitly offers a cheaper service called Economy, which can take a few days to transfer, and Express, which takes up to a day.

Cash pickup with MoneyGram will take 2-3 days, while with Remitly it can be done in a day.

This makes it a good option for sending pension to family abroad, reaching unbanked areas, getting cash to elderly relatives who can't collect it themselves, or sending cash delivery in the Philippines (a very rare option).

Remitly charges no fee but adds a markup of roughly 0.1% to 1.3% depending on the route.

Here's what you can expect from Remitly in terms of fees and delivery times when using their Economy option:

All figures update weekly and reflect average fees & rates over the past 7 days. Data verified via the MoneyTransfers.com comparison engine and Remitly API.

That's pricier than Wise, but cheaper than other cash-delivery names like Western Union or MoneyGram (after the promo rates).

You can also lock in the exchange rate before sending.

With Remitly, you can send money online or via the app.

I made a few test transfers while reviewing it and everything arrived within minutes.

And there are a few downsides with Remitly:

• Steep markup on some corridors, so always check your specific destination

• Limited network, around 22 countries

• Built for cash and smaller transfers home, not large or high-volume

Remitly is regulated by the FCA in the UK, and keeps to standard safeguarding practices.

Monzo is overall best for travelling and domestic payments

It’s technically not a money transfer provider, it's a UK challenger bank (or online only bank) built around spending in the UK and abroad.

I’m adding it here purely based on my own experience. I’ve always used it abroad, and rarely had any issues with it.

Monzo offers fee-free spending overseas at the Mastercard rate, plus free foreign ATM withdrawals up to £200 a month.

Here’s a tip, have a few cards with you (for example, Monzo, Revolut, and Wise) and you’ll have almost a £1,000 ATM limit abroad. That’s what I do when travelling.

As a fully FCA-authorised bank, your balance is also FSCS protected up to £120,000 (just like with Revolut), which puts it ahead of app-only providers.

On international transfers specifically, Monzo runs on Wise under the hood (I've recently compared the two here)

When you send abroad, the app hands you over to Wise, so the rates and fees you get are Wise's (same as the ones I listed above).

Just like with any bank in the UK, all domestic transfers are free regardless of what bank you send GBP to and it will be instant.

The biggest downside is that it doesn't have a multi-currency account, meaning you can't receive or hold international currencies like you would with Revolut or Wise.

It’s a banking app, with an added benefit for travelling on the side.

Airwallex is the overall best business global account

It's built for B2B international transfers rather than being a personal app with a business tier added (like Wise Business and Revolut Business).

Airwallex offers multi-currency business accounts, borderless cards, batch payments, expense management, API options, and much more all in one place.

The biggest Airwallex benefit is the global account setup.

You get 12 local currency accounts, including a UK one with account number, sort code and IBAN, giving you local details across:

• North America

• Europe

• Asia

• Oceania

With this, your business can operate in around 40 countries.

On top of that you can hold, send and receive in roughly 130 currencies, which opens up emerging markets like the Nigerian Naira and West African Franc that most other companies skip.

Fees are a bit complex, but it’s normal for B2B companies (we go over them in more detail in our Airwallex review)

There are free and paid accounts, which come with different fees, features, and rates.

There’s no fee on standard transfers, FX starts from 0.5% above the mid-market rate on major currencies (1% on the rest), and SWIFT transfers carry a small fee.

Transfer limits are high at £5 million per conversion, and in testing most transfers landed within 1-3 days, though routes to some African and South American countries can take up to 5 days.

Airwallex is FCA authorised in the UK and uses strong security throughout.

Banks vs international money transfer services

This is the most obvious question, why not just use a bank? And in all fairness, you can. But, it all comes down to four things:

• Cost

• Speed

• Features

• Support

When you send money abroad from UK with a traditional bank, your money enter the SWIFT network.

This is where your money travel across the borders from one bank to another (known as intermediary banks).

Many of these intermediaries will take a fee for processing your transfers, and since each is a bank, it is bound to a bank working hours (meanings its closed on weekends or bank holidays).

This is what it looks like:

With money transfer companies it's different:

Money transfer specialists on the other hand are built for one job, to send money abroad.

Put simply, your money never even cross the border, so there's no SWIFT, no extra fees or delays.

Instead, they rely on the internal network of local accounts, where GBP enters one account, and withdrawn from the other in the receiving country.

Traditional bank transfer costs vs money transfer companies

As I said, banks are more expensive, and to illustrate this.

Banks typically hit you with a high fixed fee (around £10-40) plus a 3-5% markup.

While remittance companies charge roughly 0-2% markup and a few pounds in fees.

Here's how Barclays Bank and HSBC compare to Revolut (a digital only bank) and top money transfer services:

Amount

Amount£1,000£10,000Custom

Last updated at 16/09/2026

GBP USD

Mid Market Rate £1 = $1.3484£1 = $1.3482

Transfer Amount £1,000£10,000

1

Revolut

2

HSBC

3

Wise

4

Barclays

1

HSBC

2

Wise

3

Revolut

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

$1,344.04

Same day

1.3461

0.17%

Bank transfer

£1.50

Visit

$1,343.99

Minutes - 5 days

1.3440

0.33%

Bank transfer

£0.00

Visit

$1,342.30

Same day

1.3485

-0.01%

Bank transfer

£4.60

Visit

$1,314.98

Minutes - 5 days

1.3150

2.51%

Bank transfer

£0.00

Visit

$13,439.95

Minutes - 5 days

1.3440

0.32%

Bank transfer

£0.00

Visit

$13,433.77

Same day

1.3483

0.00%

Bank transfer

£36.88

Visit

$13,323.76

Same day

1.3465

0.13%

Bank transfer

£105.00

Visit

$13,149.75

Minutes - 5 days

1.3150

2.50%

Bank transfer

£0.00

Visit

GBP EUR

Mid Market Rate £1 = €1.1675£1 = €1.1676

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

€1,165.49

Within minutes

1.1655

0.17%

Bank transfer

£0.00

Visit

€1,163.02

Within minutes

1.1675

0.00%

Bank transfer

£3.81

Visit

€1,138.16

Minutes - 5 days

1.1382

2.54%

Bank transfer

£0.00

Visit

€1,131.96

Minutes - 5 days

1.1320

3.09%

Bank transfer

£0.00

Visit

€11,636.39

Within minutes

1.1675

0.01%

Bank transfer

£33.41

Visit

€11,554.45

Within minutes

1.1659

0.14%

Bank transfer

£90.00

Visit

€11,381.64

Minutes - 5 days

1.1382

2.55%

Bank transfer

£0.00

Visit

€11,319.63

Minutes - 5 days

1.1320

3.09%

Bank transfer

£0.00

Visit

GBP AUD

Mid Market Rate £1 = $1.8909£1 = $1.8912

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

$1,885.52

Same day

1.8884

0.13%

Bank transfer

£1.50

Visit

$1,883.88

Within minutes

1.8911

-0.01%

Bank transfer

£3.81

Visit

$1,861.93

Minutes - 5 days

1.8619

1.55%

Bank transfer

£0.00

Visit

$1,826.10

Minutes - 5 days

1.8261

3.49%

Bank transfer

£0.00

Visit

$18,852.51

Within minutes

1.8914

-0.01%

Bank transfer

£32.51

Visit

$18,683.65

Same day

1.8882

0.16%

Bank transfer

£105.00

Visit

$18,619.26

Minutes - 5 days

1.8619

1.56%

Bank transfer

£0.00

Visit

$18,260.95

Minutes - 5 days

1.8261

3.50%

Bank transfer

£0.00

Visit

GBP CAD

Mid Market Rate £1 = $1.8772£1 = $1.8774

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

$1,871.87

Within minutes

1.8747

0.14%

Bank transfer

£1.50

Visit

$1,869.95

Next day

1.8774

-0.01%

Bank transfer

£3.99

Visit

$1,855.33

Minutes - 5 days

1.8553

1.18%

Bank transfer

£0.00

Visit

$1,819.32

Minutes - 5 days

1.8193

3.13%

Bank transfer

£0.00

Visit

$18,712.83

Next day

1.8774

0.00%

Bank transfer

£32.69

Visit

$18,555.70

Within minutes

1.8753

0.11%

Bank transfer

£105.00

Visit

$18,553.35

Minutes - 5 days

1.8553

1.18%

Bank transfer

£0.00

Visit

$18,193.22

Minutes - 5 days

1.8193

3.14%

Bank transfer

£0.00

Visit

GBP INR

Mid Market Rate £1 = ₹129.289£1 = ₹129.3146

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

₹128,947.71

Within minutes

129.1414

0.11%

Bank transfer

£1.50

Visit

₹128,647.34

Within minutes

129.3120

-0.02%

Bank transfer

£5.14

Visit

₹126,668.70

Minutes - 5 days

126.6687

2.05%

Bank transfer

£0.00

Visit

₹124,176.96

Minutes - 5 days

124.1770

4.03%

Bank transfer

£0.00

Visit

₹1,287,314.21

Within minutes

129.3310

-0.01%

Bank transfer

£46.36

Visit

₹1,277,954.99

Within minutes

129.1516

0.13%

Bank transfer

£105.00

Visit

₹1,266,687.00

Minutes - 5 days

126.6687

2.07%

Bank transfer

£0.00

Visit

₹1,241,769.59

Minutes - 5 days

124.1770

4.05%

Bank transfer

£0.00

Visit

GBP NGN

Mid Market Rate £1 = ₦1,787.8971£1 = ₦1,786.6824

Transfer Amount £1,000£10,000

1

Wise

2

Revolut

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

₦1,837,687.12

Within minutes

1848.9100

-3.36%

Bank transfer

£6.07

Visit

₦1,775,659.18

Within minutes

1778.3267

0.54%

Bank transfer

£1.50

Visit

-

-

-

-

-

-

Visit

-

-

-

-

-

-

Visit

₦18,373,231.04

Within minutes

1847.5400

-3.35%

Bank transfer

£55.30

Visit

₦17,596,418.14

Within minutes

1778.3141

0.47%

Bank transfer

£105.00

Visit

-

-

-

-

-

-

Visit

-

-

-

-

-

-

Visit

GBP PHP

Mid Market Rate £1 = ₱84.6536£1 = ₱84.5716

Transfer Amount £1,000£10,000

1

Wise

2

Revolut

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

₱84,150.83

Within minutes

84.6409

0.01%

Bank transfer

£5.79

Visit

₱84,141.34

Within minutes

84.2678

0.46%

Bank transfer

£1.50

Visit

₱83,030.28

Minutes - 5 days

83.0303

1.94%

Bank transfer

£0.00

Visit

₱82,409.38

Minutes - 5 days

82.4094

2.69%

Bank transfer

£0.00

Visit

₱841,163.82

Same day

84.5667

0.01%

Bank transfer

£53.25

Visit

₱833,168.55

Within minutes

84.2010

0.44%

Bank transfer

£105.00

Visit

₱830,302.78

Minutes - 5 days

83.0303

1.84%

Bank transfer

£0.00

Visit

₱824,093.80

Minutes - 5 days

82.4094

2.59%

Bank transfer

£0.00

Visit

GBP PKR

Mid Market Rate £1 = Rs 374.0831£1 = Rs 373.7828

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

Rs 372,254.99

Within minutes

372.8142

0.34%

Bank transfer

£1.50

Visit

Rs 371,884.03

Within minutes

374.3510

-0.07%

Bank transfer

£6.59

Visit

-

-

-

-

-

-

Visit

-

-

-

-

-

-

Visit

Rs 3,719,077.96

Within minutes

374.1290

-0.09%

Bank transfer

£59.37

Visit

Rs 3,689,090.67

Within minutes

372.8237

0.26%

Bank transfer

£105.00

Visit

-

-

-

-

-

-

Visit

-

-

-

-

-

-

Visit

GBP PLN

Mid Market Rate £1 = zł 5.0692£1 = zł 5.0682

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

zł 5,050.33

Within minutes

5.0579

0.22%

Bank transfer

£1.50

Visit

zł 5,044.44

Same day

5.0680

0.02%

Bank transfer

£4.64

Visit

zł 4,946.11

Minutes - 5 days

4.9461

2.46%

Bank transfer

£0.00

Visit

zł 4,879.14

Minutes - 5 days

4.8791

3.82%

Bank transfer

£0.00

Visit

zł 50,482.35

Same day

5.0683

0.00%

Bank transfer

£39.59

Visit

zł 50,047.06

Within minutes

5.0578

0.20%

Bank transfer

£105.00

Visit

zł 49,461.13

Minutes - 5 days

4.9461

2.44%

Bank transfer

£0.00

Visit

zł 48,791.44

Minutes - 5 days

4.8791

3.80%

Bank transfer

£0.00

Visit

GBP THB

Mid Market Rate £1 = ฿44.8568£1 = ฿44.8572

Transfer Amount £1,000£10,000

1

Revolut

2

Wise

3

HSBC

4

Barclays

1

Wise

2

Revolut

3

HSBC

4

Barclays

They get

Delivery Time

Exchange rate

Markup

Cheapest payment method

Transfer fee

฿44,616.71

Within minutes

44.6837

0.39%

Bank transfer

£1.50

Visit

฿44,509.65

Within minutes

44.8582

0.00%

Bank transfer

£7.77

Visit

฿43,880.61

Minutes - 5 days

43.8806

2.20%

Bank transfer

£0.00

Visit

฿43,293.03

Minutes - 5 days

43.2930

3.55%

Bank transfer

£0.00

Visit

฿445,687.26

Within minutes

44.8563

0.00%

Bank transfer

£64.11

Visit

฿442,096.46

Within minutes

44.6788

0.40%

Bank transfer

£105.00

Visit

฿438,806.10

Minutes - 5 days

43.8806

2.20%

Bank transfer

£0.00

Visit

฿432,930.33

Minutes - 5 days

43.2930

3.55%

Bank transfer

£0.00

Visit

Show moreShow less

Cheapest money transfer companies

Fees and rates depend on the amount, your country, the destination, and the deposit and withdrawal methods you choose.

To get the best value, look for a service offering a mid-market-rate and fund your transfer by bank transfer rather than card.

Here are a few options to consider as of today for different amounts (use the tabs below):

Amount

Amount£1,000£2,000£10,000Custom

Last updated at 16/09/2026

GBP INR

Mid Market Rate £1 = ₹129.289£1 = ₹129.0891£1 = ₹129.3146

Transfer Amount £1,000£2,000£10,000

1

TapTap Send

2

Remitly

3

Instarem

1

TapTap Send

2

Western Union

3

WorldRemit

1

TapTap Send

2

Aspora

3

MoneyGram

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

₹129,400.00

129.4000

-0.09%

Debit card

£0.99

Visit

₹129,160.00

129.1600

0.10%

Bank transfer

£0.00

Visit

₹129,148.00

129.1480

0.11%

Bank transfer

£0.00

Visit

₹258,800.00

129.4000

-0.24%

Debit card

£0.99

Visit

₹258,151.00

129.0753

0.01%

Debit card

£0.00

Visit

₹257,995.63

129.0617

0.02%

Debit card

£0.99

Visit

₹1,294,000.00

129.4000

-0.07%

Debit card

£0.99

Visit

₹1,292,757.73

129.3146

0.00%

Bank transfer

£3.00

Visit

₹1,290,840.00

129.0840

0.18%

Bank transfer

£1.49

Visit

GBP PKR

Mid Market Rate £1 = Rs 373.7828£1 = Rs 374.4819£1 = Rs 373.7828

Transfer Amount £10,000£2,000£10,000

1

TapTap Send

2

MoneyGram

3

Regency FX

1

WorldRemit

2

Western Union

3

TapTap Send

1

TapTap Send

2

MoneyGram

3

Regency FX

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

Rs 3,740,000.00

374.0000

-0.06%

Debit card

£0.00

Visit

Rs 3,737,202.00

373.7202

0.02%

Debit card

£0.00

Visit

Rs 3,727,735.97

372.7736

0.27%

Bank transfer

£0.00

Visit

Rs 755,241.73

377.8079

-0.88%

Debit card

£0.99

Visit

Rs 750,497.62

375.2488

-0.20%

Debit card

£0.00

Visit

Rs 749,000.00

374.5000

0.00%

Debit card

£0.00

Visit

Rs 3,740,000.00

374.0000

-0.06%

Debit card

£0.00

Visit

Rs 3,737,202.00

373.7202

0.02%

Debit card

£0.00

Visit

Rs 3,727,735.97

372.7736

0.27%

Bank transfer

£0.00

Visit

GBP NGN

Mid Market Rate £1 = ₦1,786.6824£1 = ₦1,789.3132£1 = ₦1,786.6824

Transfer Amount £10,000£2,000£10,000

1

MoneyGram

2

TapTap Send

3

Wise

1

MoneyGram

2

TapTap Send

3

Wise

1

MoneyGram

2

TapTap Send

3

Wise

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

₦18,421,413.00

1842.1413

-3.06%

Debit card

£0.99

Visit

₦18,400,000.00

1840.0000

-2.94%

Debit card

£0.00

Visit

₦18,373,231.04

1847.5400

-3.35%

Bank transfer

£55.30

Visit

₦3,683,891.20

1841.9456

-2.90%

Debit card

£0.99

Visit

₦3,680,000.00

1840.0000

-2.79%

Debit card

£0.00

Visit

₦3,669,008.40

1845.1600

-3.07%

Bank transfer

£11.55

Visit

₦18,421,413.00

1842.1413

-3.06%

Debit card

£0.99

Visit

₦18,400,000.00

1840.0000

-2.94%

Debit card

£0.00

Visit

₦18,373,231.04

1847.5400

-3.35%

Bank transfer

£55.30

Visit

GBP EUR

Mid Market Rate £1 = €1.1675£1 = €1.1674£1 = €1.1676

Transfer Amount £1,000£2,000£10,000

1

TapTap Send

2

Revolut

3

Wise

1

TapTap Send

2

Wise

3

OFX

1

TapTap Send

2

Key Currency

3

Regency FX

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

€1,167.00

1.1670

0.04%

Debit card

£0.00

Visit

€1,165.49

1.1655

0.17%

Bank transfer

£0.00

Visit

€1,163.02

1.1675

0.00%

Bank transfer

£3.81

Visit

€2,334.00

1.1670

0.03%

Debit card

£0.00

Visit

€2,326.39

1.1673

0.01%

Bank transfer

£7.10

Visit

€2,319.56

1.1598

0.65%

Bank transfer

£0.00

Visit

€11,670.00

1.1670

0.05%

Debit card

£0.00

Visit

€11,646.41

1.1646

0.25%

Bank transfer

£0.00

Visit

€11,644.08

1.1644

0.27%

Bank transfer

£0.00

Visit

*This table will always show the cheapest options this week, which may differ to the companies above. Figures update weekly and are based on live exchange rates and fees from our comparison engine.

If the cost is your priority, I've recently created a guide to the cheapest ways to send money from the UK.

Fastest money transfer services

Speed is harder than the fees, since it depends on the corridor, the amount, the delivery method, and any checks your bank runs.

As a rule of thumb, the faster you need money to arrive, the more it tends to cost.

To avoid delays, verify your account when you sign up, and let your bank know if you're about to send or receive an unusually large sum.

I've recently covered this in more detail in our guide to instant money transfers.

Easiest money transfer options

Plenty of banks, especially challenger and online-only banks, now offer a good app experience, but it's bundled with everything else they do, which can make sending money clunkier.

A dedicated specialist with a simple app, wide deposit and withdrawal options, and a multi-currency account for receiving usually is the easiest to use.

Here are my favourite options:

Best money transfer companies for large transfers

For large transfers, expertise and support matters more than the fees and rates.

App-first money transfer companies have the usual help articles, email, and phone lines, roughly on par with a bank.

But nothing beats a currency broker with a dedicated account manager and 24/7 support.

Each currency broker will have a dedicated account manager assigned to you, and they will take care of all your needs, including expert advice, a negotiated rate, and reassurance.

Amount

Amount£50,000£150,000£250,000Custom

Last updated at 16/09/2026

GBP AED

Mid Market Rate £1 = AED 4.9575£1 = AED 4.9564£1 = AED 4.9565

Transfer Amount £50,000£150,000£250,000

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

They get

FX markup

Transfer fee

Account manager

AED 247,380.00

0.20%

£0.00

Yes

Visit

AED 247,256.06

0.25%

£0.00

Yes

Visit

AED 247,181.70

0.28%

£0.00

Yes

Visit

AED 742,341.22

0.15%

£0.00

Yes

Visit

AED 741,969.49

0.20%

£0.00

Yes

Visit

AED 741,597.76

0.25%

£0.00

Yes

Visit

AED 1,237,266.81

0.15%

£0.00

Yes

Visit

AED 1,236,647.25

0.20%

£0.00

Yes

Visit

AED 1,236,027.69

0.25%

£0.00

Yes

Visit

GBP AUD

Mid Market Rate £1 = $1.8892£1 = $1.8894£1 = $1.889

Transfer Amount £50,000£150,000£250,000

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

They get

FX markup

Transfer fee

Account manager

$94,269.78

0.20%

£0.00

Yes

Visit

$94,222.55

0.25%

£0.00

Yes

Visit

$94,194.22

0.28%

£0.00

Yes

Visit

$282,986.38

0.15%

£0.00

Yes

Visit

$282,844.68

0.20%

£0.00

Yes

Visit

$282,702.97

0.25%

£0.00

Yes

Visit

$471,533.89

0.15%

£0.00

Yes

Visit

$471,297.77

0.20%

£0.00

Yes

Visit

$471,061.64

0.25%

£0.00

Yes

Visit

GBP EUR

Mid Market Rate £1 = €1.1672£1 = €1.1673£1 = €1.1672

Transfer Amount £50,000£150,000£250,000

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

1

Key Currency

2

Regency FX

3

TorFx

They get

FX markup

Transfer fee

Account manager

€58,244.68

0.20%

£0.00

Yes

Visit

€58,215.50

0.25%

£0.00

Yes

Visit

€58,197.99

0.28%

£0.00

Yes

Visit

€174,832.06

0.15%

£0.00

Yes

Visit

€174,744.51

0.20%

£0.00

Yes

Visit

€174,656.96

0.25%

£0.00

Yes

Visit

€291,369.29

0.15%

£0.00

Yes

Visit

€291,223.39

0.20%

£0.00

Yes

Visit

€291,077.48

0.25%

£0.00

Yes

Visit

*This list will show the overall best companies based on our comparisons this week, it may differ to the companies above. Figures update weekly based on our comparison engine, provider APIs, and exclusive deals we have.