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

We’ve compared 14 companies, and found Key Currency to be the cheapest, while TapTap Send is the fastest.

Sending £6,000 gets you $8,053.61 with Key Currency at 1.3423 USD per GBP, about 0.02% more than the next best option.

Best companies for GBP/USD transfers

14 of 14 providers

Last updated on 10 November 2026

Based on 6,000 GBP transfer

Best companies for GBP/USD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £22.53 1 GBP = 1.3456 USD +0.01% vs mid-market Recipient gets $8,042.98 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£22.531 GBP = 1.3456 USD
$8,042.98You pay£6,000.00
Promoted

Xe

Pay via Debit card
Fee £0.00 1 GBP = 1.3356 USD +0.75% vs mid-market Recipient gets $8,013.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in US with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3356 USD
$8,013.60You pay£6,000.00

Run a live search

Showing top United Kingdom to United States deals for 6,000 GBP. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3423 USD +0.25% vs mid-market Recipient gets $8,053.61 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in US with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 GBP = 1.3423 USD
$8,053.61You pay£6,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3420 USD +0.27% vs mid-market Recipient gets $8,051.99 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in US with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3420 USD
$8,051.99You pay£6,000.00

TorFx

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3416 USD +0.30% vs mid-market Recipient gets $8,049.57 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in US with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3416 USD
$8,049.57You pay£6,000.00

Wise

Pay via Bank transfer
Fee £22.53 1 GBP = 1.3456 USD +0.01% vs mid-market Recipient gets $8,042.98 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£22.531 GBP = 1.3456 USD
$8,042.98You pay£6,000.00

TapTap Send

Pay via Debit card
Fee £0.00 1 GBP = 1.3400 USD +0.42% vs mid-market Recipient gets $8,040.00 Minutes
Fastest
Receive to bank account

Ways to receive money in US with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 GBP = 1.3400 USD
$8,040.00You pay£6,000.00

Currencies Direct

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3390 USD +0.49% vs mid-market Recipient gets $8,034.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in US with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3390 USD
$8,034.00You pay£6,000.00

OFX

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3389 USD +0.50% vs mid-market Recipient gets $8,033.42 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in US with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3389 USD
$8,033.42You pay£6,000.00

CurrencyFair

Pay via Bank transfer
Fee £2.97 1 GBP = 1.3378 USD +0.58% vs mid-market Recipient gets $8,022.80 Minutes - 24 hours
Receive to bank account

Ways to receive money in US with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
£2.971 GBP = 1.3378 USD
$8,022.80You pay£6,000.00

Wise

Pay via Debit card
Fee £41.52 1 GBP = 1.3456 USD +0.01% vs mid-market Recipient gets $8,017.43 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£41.521 GBP = 1.3456 USD
$8,017.43You pay£6,000.00

Xe

Pay via Debit card
Fee £0.00 1 GBP = 1.3356 USD +0.75% vs mid-market Recipient gets $8,013.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in US with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3356 USD
$8,013.60You pay£6,000.00

Xe

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3356 USD +0.75% vs mid-market Recipient gets $8,013.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in US with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3356 USD
$8,013.60You pay£6,000.00

Xe

Pay via Credit card
Fee £0.00 1 GBP = 1.3356 USD +0.75% vs mid-market Recipient gets $8,013.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in US with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.3356 USD
$8,013.60You pay£6,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee £50.75 1 GBP = 1.3435 USD +0.16% vs mid-market Recipient gets $7,992.85 Same day
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositSame day
£50.751 GBP = 1.3435 USD
$7,992.85You pay£6,000.00

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.

$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee £0.00 1 GBP = 1.3284 USD +1.29% vs mid-market Recipient gets $7,970.40 Minutes - 24 hours

Ways to receive money in US with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.3284 USD
$7,970.40You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.3259 USD
$7,955.40You pay£6,004.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee £0.00 1 GBP = 1.3284 USD +1.29% vs mid-market Recipient gets $7,970.40 Minutes - 24 hours

Ways to receive money in US with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.3284 USD
$7,970.40You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.3259 USD
$7,955.40You pay£6,004.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3284 USD +1.29% vs mid-market Recipient gets $7,970.40 Minutes - 24 hours

Ways to receive money in US with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.3284 USD
$7,970.40You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.3259 USD
$7,955.40You pay£6,004.99
USDCMinutes - 24 hoursAvailable via:USDC Wallet
£38.201 GBP = 1.2680 USD
$7,608.00You pay£6,038.20
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee £1.99 1 GBP = 1.3275 USD +1.36% vs mid-market Recipient gets $7,962.18 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in US with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
£1.991 GBP = 1.3275 USD
$7,962.18You pay£6,000.00

Moneycorp

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3268 USD +1.40% vs mid-market Recipient gets $7,960.76 Minutes - 2 days

Ways to receive money in US with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 GBP = 1.3268 USD
$7,960.76You pay£6,000.00

Wise

Pay via Credit card
Fee £155.29 1 GBP = 1.3456 USD +0.01% vs mid-market Recipient gets $7,864.35 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£155.291 GBP = 1.3456 USD
$7,864.35You pay£6,000.00

Barclays

Pay via Bank transfer
Fee £0.00 1 GBP = 1.3030 USD +3.22% vs mid-market Recipient gets $7,817.85 Minutes - 5 days
0 reviews

Ways to receive money in US with Barclays when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Free1 GBP = 1.3030 USD
$7,817.85You pay£6,000.00
How Our Results Work
Mid-market rate: 1 GBP = 1.3456 USD Updates every 60 minutes.

How to send money from UK to US

Pick a company

For a one-off GBP transfer to the US, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 19 of the 30 days it quoted £6,000 transfers to the US.

On a 6,000 GBP transfer, Key Currency delivers the most USD.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/USD 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 £6,000 transfer the verification is normally instant but can take a couple of hours.

Compare amounts

How much GBP are you sending to US?

How much GBP you send to the US 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 Key Currency was the cheapest in 81% of the transfers from £6,000 it quoted, and in 81% of all the transfers it quoted.

Cheapest service
£5000.26%£0.00$671.10with bank transfer to bank deposit+$8.83
£1,0000.03%£0.00$1,344.40with debit card to bank deposit+$16.77
£2,0000.35%£0.00$2,680.00with debit card to bank deposit+$20.20
£6,000This page0.25%£0.00$8,053.61with bank transfer to bank deposit+$58.82
£10,0000.25%£0.00$13,413.48with bank transfer to bank deposit+$92.64
£25,0000.20%£0.00$33,554.11with bank transfer to bank deposit+$177.87
£50,0000.20%£0.00$67,128.52with bank transfer to bank deposit+$353.43
£100,0000.15%£0.00$134,269.29with bank transfer to bank deposit+$607.67
£250,0000.15%£0.00$335,795.05with bank transfer to bank deposit+$1,097.32
£500,0000.15%£0.00$671,364.44with bank transfer to bank deposit+$2,112.63
£1,000,0000.15%£0.00$1,342,692.94with bank transfer to bank deposit+$3,692.88

Mid-market rate: 1 GBP = 1.3456 USD

GBP/USD Exchange Rate History

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

The cheapest way to send GBP to USD 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 Key Currency), across 30 days of comparisons for 6,000 GBP transfers to the US.

USD received for £6,000, after fees

Tue, 10 Nov 2026Mid-market rate$8,073.79 Key Currency $8,053.61 Barclays $7,817.85Key Currency$8,053.61Regency FX$8,051.99TorFx$8,049.57Extra cost of a bank$235.76

7,600
7,700
7,800
7,900
8,000
8,100
8,200
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3241 – $7,944.38
Key Currency Cheapest 1.3208 £0.00 $7,924.52 −$19.86
Regency FX 1.3205 £0.00 $7,922.93 −$21.45
TorFx 1.3201 £0.00 $7,920.55 −$23.83
Barclays 1.2879 £0.00 $7,727.44 −$216.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3236 – $7,941.57
Key Currency Cheapest 1.3203 £0.00 $7,921.72 −$19.85
Regency FX 1.3200 £0.00 $7,920.13 −$21.44
TorFx 1.3196 £0.00 $7,917.75 −$23.82
Barclays 1.2876 £0.00 $7,725.40 −$216.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3154 – $7,892.30
MoneyGram Cheapest 1.3129 £0.00 $7,877.40 −$14.90
Key Currency 1.3121 £0.00 $7,872.57 −$19.73
Regency FX 1.3118 £0.00 $7,870.99 −$21.31
TorFx 1.3114 £0.00 $7,868.62 −$23.68
Barclays 1.2787 £0.00 $7,672.21 −$220.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3250 – $7,950.23
Key Currency Cheapest 1.3217 £0.00 $7,930.36 −$19.87
Regency FX 1.3215 £0.00 $7,928.77 −$21.46
TorFx 1.3211 £0.00 $7,926.38 −$23.85
Barclays 1.2787 £0.00 $7,672.21 −$278.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3321 – $7,992.80
Key Currency Cheapest 1.3288 £0.00 $7,972.82 −$19.98
Regency FX 1.3285 £0.00 $7,971.22 −$21.58
TorFx 1.3281 £0.00 $7,968.83 −$23.97
Barclays 1.2954 £0.00 $7,772.31 −$220.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3296 – $7,977.90
TapTap Send Cheapest 1.3300 £0.00 $7,980.00 +$2.10
Key Currency 1.3263 £0.00 $7,957.96 −$19.94
Regency FX 1.3261 £0.00 $7,956.36 −$21.54
TorFx 1.3257 £0.00 $7,953.97 −$23.93
Barclays 1.2957 £0.00 $7,774.43 −$203.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3296 – $7,977.90
TapTap Send Cheapest 1.3300 £0.00 $7,980.00 +$2.10
Key Currency 1.3263 £0.00 $7,957.96 −$19.94
Regency FX 1.3261 £0.00 $7,956.36 −$21.54
TorFx 1.3257 £0.00 $7,953.97 −$23.93
Barclays 1.2957 £0.00 $7,774.43 −$203.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3327 – $7,996.27
TapTap Send Cheapest 1.3300 £0.00 $7,980.00 −$16.27
Key Currency 1.3294 £0.00 $7,976.28 −$19.99
Regency FX 1.3291 £0.00 $7,974.68 −$21.59
TorFx 1.3287 £0.00 $7,972.28 −$23.99
Barclays 1.2947 £0.00 $7,768.02 −$228.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3348 – $8,008.70
Key Currency Cheapest 1.3314 £0.00 $7,988.68 −$20.02
Regency FX 1.3312 £0.00 $7,987.08 −$21.62
TorFx 1.3308 £0.00 $7,984.68 −$24.02
Barclays 1.2947 £0.00 $7,768.02 −$240.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3393 – $8,036.06
Key Currency Cheapest 1.3360 £0.00 $8,015.97 −$20.09
Regency FX 1.3357 £0.00 $8,014.36 −$21.70
TorFx 1.3353 £0.00 $8,011.95 −$24.11
Barclays 1.3022 £0.00 $7,813.07 −$222.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3408 – $8,044.50
Key Currency Cheapest 1.3374 £0.00 $8,024.39 −$20.11
Regency FX 1.3371 £0.00 $8,022.78 −$21.72
TorFx 1.3367 £0.00 $8,020.37 −$24.13
Barclays 1.3053 £0.00 $7,832.04 −$212.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3377 – $8,026.27
Key Currency Cheapest 1.3344 £0.00 $8,006.21 −$20.06
Regency FX 1.3341 £0.00 $8,004.60 −$21.67
TorFx 1.3337 £0.00 $8,002.19 −$24.08
Barclays 1.3020 £0.00 $7,811.90 −$214.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3375 – $8,024.70
Key Currency Cheapest 1.3341 £0.00 $8,004.64 −$20.06
Regency FX 1.3338 £0.00 $8,003.03 −$21.67
TorFx 1.3334 £0.00 $8,000.63 −$24.07
Barclays 1.3009 £0.00 $7,805.11 −$219.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3375 – $8,024.70
Key Currency Cheapest 1.3341 £0.00 $8,004.64 −$20.06
Regency FX 1.3338 £0.00 $8,003.03 −$21.67
TorFx 1.3334 £0.00 $8,000.63 −$24.07
Barclays 1.3009 £0.00 $7,805.11 −$219.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3347 – $8,008.49
Key Currency Cheapest 1.3314 £0.00 $7,988.47 −$20.02
Regency FX 1.3311 £0.00 $7,986.87 −$21.62
TorFx 1.3307 £0.00 $7,984.46 −$24.03
Barclays 1.2981 £0.00 $7,788.48 −$220.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3322 – $7,992.91
TapTap Send Cheapest 1.3300 £0.00 $7,980.00 −$12.91
Key Currency 1.3288 £0.00 $7,972.93 −$19.98
Regency FX 1.3286 £0.00 $7,971.33 −$21.58
TorFx 1.3282 £0.00 $7,968.93 −$23.98
Barclays 1.2955 £0.00 $7,773.02 −$219.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3295 – $7,976.82
Xe Cheapest 1.3266 £0.00 $7,959.60 −$17.22
Key Currency 1.3261 £0.00 $7,956.88 −$19.94
Regency FX 1.3259 £0.00 $7,955.28 −$21.54
TorFx 1.3255 £0.00 $7,952.89 −$23.93
Barclays 1.2930 £0.00 $7,758.24 −$218.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3318 – $7,990.94
Xe Cheapest 1.3289 £0.00 $7,973.40 −$17.54
Key Currency 1.3285 £0.00 $7,970.97 −$19.97
Regency FX 1.3282 £0.00 $7,969.37 −$21.57
TorFx 1.3278 £0.00 $7,966.97 −$23.97
Barclays 1.2965 £0.00 $7,778.97 −$211.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3403 – $8,042.09
Xe Cheapest 1.3375 £0.00 $8,025.00 −$17.09
Key Currency 1.3370 £0.00 $8,021.98 −$20.11
Regency FX 1.3367 £0.00 $8,020.37 −$21.72
TorFx 1.3363 £0.00 $8,017.96 −$24.13
Barclays 1.3043 £0.00 $7,825.68 −$216.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3397 – $8,038.50
Key Currency Cheapest 1.3364 £0.00 $8,018.40 −$20.10
Regency FX 1.3361 £0.00 $8,016.80 −$21.70
TorFx 1.3357 £0.00 $8,014.38 −$24.12
Barclays 1.3017 £0.00 $7,810.03 −$228.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3397 – $8,038.20
Key Currency Cheapest 1.3364 £0.00 $8,018.10 −$20.10
Regency FX 1.3361 £0.00 $8,016.50 −$21.70
TorFx 1.3357 £0.00 $8,014.09 −$24.11
Barclays 1.3017 £0.00 $7,810.03 −$228.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3416 – $8,049.32
Xe Cheapest 1.3386 £0.00 $8,031.60 −$17.72
Key Currency 1.3382 £0.00 $8,029.19 −$20.13
Regency FX 1.3379 £0.00 $8,027.58 −$21.74
TorFx 1.3375 £0.00 $8,025.17 −$24.15
Barclays 1.3039 £0.00 $7,823.44 −$225.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3418 – $8,050.61
TapTap Send Cheapest 1.3400 £0.00 $8,040.00 −$10.61
Key Currency 1.3384 £0.00 $8,030.49 −$20.12
Regency FX 1.3381 £0.00 $8,028.88 −$21.73
TorFx 1.3377 £0.00 $8,026.46 −$24.15
Barclays 1.3044 £0.00 $7,826.65 −$223.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3482 – $8,088.92
Key Currency Cheapest 1.3448 £0.00 $8,068.70 −$20.22
Regency FX 1.3445 £0.00 $8,067.08 −$21.84
TorFx 1.3441 £0.00 $8,064.66 −$24.26
Barclays 1.3044 £0.00 $7,826.65 −$262.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3482 – $8,088.98
Key Currency Cheapest 1.3448 £0.00 $8,068.76 −$20.22
Regency FX 1.3445 £0.00 $8,067.14 −$21.84
TorFx 1.3441 £0.00 $8,064.71 −$24.27
Barclays 1.3132 £0.00 $7,879.35 −$209.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3405 – $8,043.06
Xe Cheapest 1.3377 £0.00 $8,026.20 −$16.86
Key Currency 1.3372 £0.00 $8,022.95 −$20.11
Regency FX 1.3369 £0.00 $8,021.34 −$21.72
TorFx 1.3365 £0.00 $8,018.93 −$24.13
Barclays 1.3037 £0.00 $7,822.43 −$220.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3357 – $8,014.20
Key Currency Cheapest 1.3324 £0.00 $7,994.16 −$20.04
Regency FX 1.3321 £0.00 $7,992.56 −$21.64
TorFx 1.3317 £0.00 $7,990.16 −$24.04
Barclays 1.2983 £0.00 $7,789.84 −$224.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3368 – $8,020.50
Key Currency Cheapest 1.3334 £0.00 $8,000.45 −$20.05
Regency FX 1.3331 £0.00 $7,998.84 −$21.66
TorFx 1.3327 £0.00 $7,996.44 −$24.06
Barclays 1.2983 £0.00 $7,789.84 −$230.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3408 – $8,044.51
Key Currency Cheapest 1.3374 £0.00 $8,024.40 −$20.11
Regency FX 1.3371 £0.00 $8,022.79 −$21.72
TorFx 1.3367 £0.00 $8,020.38 −$24.13
Barclays 1.3030 £0.00 $7,817.85 −$226.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.3456 – $8,073.79
Key Currency Cheapest 1.3423 £0.00 $8,053.61 −$20.18
Regency FX 1.3420 £0.00 $8,051.99 −$21.80
TorFx 1.3416 £0.00 $8,049.57 −$24.22
Barclays 1.3030 £0.00 $7,817.85 −$255.94

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send £6,000, after fees, as quoted by each company. The mid-market line shows what £6,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 USD per GBP than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.

Right now, Key Currency pays 8,053.61 USD on 6,000 GBP, which is 20.18 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 8,068.76 USD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 US.

We've tracked 326 comparisons to check how often today's top companies were the cheapest across 11 amounts over the past month.

  1. Key CurrencyAppeared in 236 comparisons

    Cheapest in 81% of them

  2. Regency FXAppeared in 236 comparisons

    Never the cheapest

  3. TorFxAppeared in 236 comparisons

    Never the cheapest

  4. BarclaysAppeared in 208 comparisons

    Never the cheapest

Based on 326 comparisons across 11 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 Key Currency is the cheapest and gets you the most USD, and it was also the cheapest in 81% of the 236 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to the US.

Ways to send money from the UK to US

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

For small & frequent transfers

Money transfer apps

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

It charges £22.53 in fees, has 0.01% markup, lets you save recipient details, and USD will arrive in minutes.

Over the past month, Wise was the cheapest app on 57% of the days it appeared for £6,000 transfers.

For one off transfers

Online transfers

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

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

Of the 14 companies we compared, Wise is the cheapest online service and will get you $8,042.98 on a £6,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 24 of the 30 days it quoted.

For large transfers

Brokers

Currency brokers like Key Currency are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).

You get a dedicated account manager to handle your transfer to the United States, and real human support.

Key Currency charges no fees on large transfers, but adds 0.25% markup on top of the current GBP/USD rate.

The markup gets better the more GBP you send, so we suggest .

Our analysis shows Key Currency was the cheapest broker in 92% of the transfers from £6,000 it quoted.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend US Dollars abroad like a local.

Wise offers the best multi-currency account.

With it, converting £6,000 to USD will get you $8,042.98 after fees.

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

Once you have USD in the account, there are no extra fees from Wise 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 States, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Only if you have to

Banks

Your UK bank is the most expensive way to send money to the United States.

On a £6,000 transfer, banks like Barclays will add 3.22% markup, getting you $7,817.85 vs $8,053.61 with Key Currency.

We found Barclays was the cheapest bank on 30 of the 30 days it appeared for this amount.

Ways to fund GBP and receive USD in US

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

Our data shows that Key Currency gets your recipient 235.76 USD more than Barclays, today's cheapest bank, on the same £6,000.

The overall best and cheapest way to send £6,000 to the United States is via Key Currency, using a bank transfer to deposit GBP and bank deposit to receive USD.

Depositing GBP

You have 3 pay-in options for transfers to the United States, 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 credit 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 US

Money can reach the United States by bank deposit, cash pickup, and USDC, and each delivery method comes with its own fees.

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

Receiving cash

MoneyGram is the cheapest option for cash pickup (getting you $7,970.40 on a £6,000 transfer).

Digital wallets

Your recipient can receive USD 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 £6,000.00

    $8,054

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay £6,000.00

    $8,040

    -$14

  3. 3
    Credit card Bank deposit

    You pay £6,000.00

    $8,014

    -$40

  4. 4
    Bank transfer Cash pickup

    You pay £6,004.99

    $7,955

    -$98

  5. 5
    Debit card Cash pickup

    You pay £6,004.99

    $7,955

    -$98

Show moreShow less
  1. 6
    Credit card Cash pickup

    You pay £6,004.99

    $7,955

    -$98

  2. 7
    Bank transfer USDC

    You pay £6,038.20

    $7,608

    -$446

Consider this when sending GBP to US

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

Compare GBP/USD transfer options

Right now, these are the best money transfer options for a £6,000 transfer to the United States:

Cheapest way to send money to the United States

The cheapest way is to use Key Currency, pay in with a bank transfer and withdraw via bank deposit. You will get $8,053.61, which is 0.02% more than the next best option.

Fastest way to send money to the United States

The fastest way is to use TapTap Send via debit card deposit and bank deposit for pay out. You get $8,040 and it will arrive in 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/USD 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 £6,000 with Key Currency will get you 8,053.61 USD, that’s including £0 fee and 0.25% in exchange rate markup.

A bank like Barclays on the other hand, will get you $7,817.85, that’s £0 in fees but 3.22% in FX fees.

Taxes on money transfers

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

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 14 regulated companies offering money transfers from the UK to the United States in real time.

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

Most GBP/USD 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 326 comparisons across 11 amounts.

This page covers the cheapest and fastest options for GBP/USD 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.