How to send money to the UK from the UK with the best GBP-GBP rate

We’ve compared 2 companies, and found Revolut to be the cheapest, while Wise is the fastest.

Sending £1,500 gets you £1,500 with Revolut at 1.0000 GBP per GBP, about 0.03% more than the next best option.

Best companies for GBP/GBP transfers

2 of 2 providers

Last updated on 10 November 2026

Based on 1,500 GBP transfer

Best companies for GBP/GBP transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £0.52 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,499.48 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in UK with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£0.521 GBP = 1.0000 GBP
£1,499.48You pay£1,500.00

Run a live search

Showing top United Kingdom to United Kingdom deals for 1,500 GBP. Do a live search with your exact amount for today's best rates.
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee £0.00 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,500.00 Within minutes
Cheapest
Multi-currency cardReceive to bank account

Ways to receive money in UK with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 GBP = 1.0000 GBP
£1,500.00You pay£1,500.00

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.

Wise

Pay via Bank transfer
Fee £0.52 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,499.48 Within minutes
FastestOur top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in UK with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£0.521 GBP = 1.0000 GBP
£1,499.48You pay£1,500.00

Wise

Pay via Debit card
Fee £5.30 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,494.70 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in UK with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£5.301 GBP = 1.0000 GBP
£1,494.70You pay£1,500.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee £10.50 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,489.50 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in UK with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
£10.501 GBP = 1.0000 GBP
£1,489.50You pay£1,500.00

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.

Wise

Pay via Credit card
Fee £33.95 1 GBP = 1.0000 GBP 0.00% vs mid-market Recipient gets £1,466.05 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in UK with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£33.951 GBP = 1.0000 GBP
£1,466.05You pay£1,500.00
How Our Results Work
Mid-market rate: 1 GBP = 1.0000 GBP Updates every 60 minutes.

How to send money from UK to UK

Pick a company

For a one-off GBP transfer to the UK, I suggest picking the cheapest option which is Revolut.

Revolut was the cheapest on 29 of the 29 days it quoted £1,500 transfers to the UK.

On a 1,500 GBP transfer, Revolut delivers the most GBP.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/GBP rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Paying from your bank is usually the fastest, since most companies connect to your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On a £1,500 transfer the verification is normally instant but can take a couple of hours.

Compare amounts

How much GBP are you sending to UK?

How much GBP you send to the UK heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Revolut was the cheapest in 100% of the transfers from £6,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
£5000.00%£0.00£500.00with bank transfer to bank deposit+£3.56
£1,0000.00%£0.00£1,000.00with bank transfer to bank deposit+£6.81
£1,500This page0.00%£0.00£1,500.00with bank transfer to bank deposit+£10.05
£2,0000.00%£0.00£2,000.00with bank transfer to bank deposit+£13.30
£6,0000.00%£0.00£6,000.00with bank transfer to bank deposit+£39.29
£10,0000.00%£0.00£10,000.00with bank transfer to bank deposit+£65.27
£50,0000.00%£0.00£50,000.00with bank transfer to bank deposit+£116.84
£250,0000.00%£0.00£250,000.00with bank transfer to bank deposit+£583.51

Mid-market rate: 1 GBP = 1.0000 GBP

GBP/GBP Exchange Rate History

Is today a good time to send money from UK to UK?

The cheapest way to send GBP to GBP can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Revolut), across 30 days of comparisons for 1,500 GBP transfers to the UK.

GBP received for £1,500, after fees

Tue, 10 Nov 2026Mid-market rate£1,500.00 Revolut £1,500.00Revolut£1,500.00Wise£1,499.48

1,499.4
1,499.5
1,499.6
1,499.7
1,499.8
1,499.9
1,500.0
1,500.1
At the mid-market rateWith the cheapest optionRevolutWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Wise Cheapest 1.0000 £0.52 £1,499.48 −£0.52
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0000 – £1,500.00
Revolut Cheapest 1.0000 £0.00 £1,500.00 Same
Wise 1.0000 £0.52 £1,499.48 −£0.52

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send £1,500, after fees, as quoted by each company. The mid-market line shows what £1,500 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more GBP per GBP than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of GBP on every transfer from the UK.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the UK.

We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. RevolutAppeared in 209 comparisons

    Cheapest every time

  2. WiseAppeared in 230 comparisons

    Cheapest in 12% of them

Based on 239 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Revolut is the cheapest and gets you the most GBP, and it was also the cheapest in 100% of the 209 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to the UK.

Wise (today's second cheapest) was the cheapest in only 12% of its comparisons, so it's rarely the cheapest option for transfers to the UK.

Ways to send money from the UK to UK

There are many ways to send money to the United Kingdom from the UK, including app, multi-currency account, global business account, and online, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to the United Kingdom, say weekly or monthly, an app like Revolut is the easiest and cheapest way to do it.

It charges £0 in fees, has 0% markup, lets you save recipient details, and GBP will arrive in minutes.

Over the past month, Revolut was the cheapest app on 100% of the days it appeared for £1,500 transfers.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized GBP transfers, around £1,000 - £5,000.

Online companies like Wise often have higher limits and/or first time promos.

Of the 2 companies we compared, Wise is the cheapest online service and will get you £1,499.48 on a £1,500 transfer.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

For large transfers

Brokers

Currency brokers like TorFX or Key Currency, are the best for sending large amounts (£10k+) to the United Kingdom.

They charge no fees but add a percentage on top of the GBP/GBP interbank rate (which gets better the more you send).

We suggest to compare your options.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend Pound Sterling abroad like a local.

Revolut offers the best multi-currency account.

With it, converting £1,500 to GBP will get you £1,500 after fees.

If you don’t have GBP in your account, your GBP will auto-convert whenever you pay with Revolut in the United Kingdom.

Once you have GBP in the account, there are no extra fees from Revolut for spending or holding it (local ATM charges may still apply).

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in the United Kingdom, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Ways to fund GBP and receive GBP in UK

Pay-in and pay-out methods will affect how much GBP you deposit and how much GBP your recipient gets. Use the table below to see how different options change how much you pay and what they get.

The overall best and cheapest way to send £1,500 to the United Kingdom is via Revolut, using a bank transfer to deposit GBP and bank deposit to receive GBP.

Depositing GBP

You have 3 pay-in options for transfers to the United Kingdom, including bank transfer, debit card, and credit card.

The cheapest pay-in option is bank transfer.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is debit card.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in the UK

Money can reach the United Kingdom by bank deposit, and each delivery method comes with its own fees.

The cheapest way to receive money in the United Kingdom is with bank deposit on average.

Digital wallets

Your recipient can receive GBP directly into a digital wallet (like PayPal or similar) which usually takes a few minutes to arrive.

  1. 1
    Bank transfer Bank deposit

    You pay £1,500.00

    £1,500

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay £1,500.00

    £1,495

    -£5

  3. 3
    Credit card Bank deposit

    You pay £1,500.00

    £1,466

    -£34

Consider this when sending GBP to UK

There are a few nuances you should consider before sending GBP to the United Kingdom such as limits, taxes, and safety.

Compare GBP/GBP transfer options

Right now, these are the best money transfer options for a £1,500 transfer to the United Kingdom:

Cheapest way to send money to the United Kingdom

The cheapest way is to use Revolut, pay in with a bank transfer and withdraw via bank deposit. You will get £1,500, which is 0.03% more than the next best option.

Fastest way to send money to the United Kingdom

The fastest way is to use Wise via bank transfer deposit and bank deposit for pay out. You get £1,499.48 and it will arrive in within minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/GBP transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending £1,500 with Revolut will get you 1,500 GBP, that’s including £0 fee and 0% in exchange rate markup.

Taxes on money transfers

There is no UK tax for the act of sending money to the United Kingdom.

And, regular gifts from your normal income are free of inheritance tax straight away, with no cap and no seven-year wait, as long as you can still cover your usual living costs.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

How we analyse the market

We track 2 regulated companies offering money transfers from the UK to the United Kingdom in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/GBP pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

In the past 30 days alone, we analysed 239 comparisons across 8 amounts.

This page covers the cheapest and fastest options for GBP/GBP transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

More on how we work:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.