Best companies for USD/PEN transfers
6 of 6 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/PEN transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $83.28 1 USD = 3.4500 PEN +0.04% vs mid-market	Recipient gets PEN 23,862.68 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $83.281 USD = 3.4500 PEN PEN 23,862.68You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 3.3818 PEN +2.04% vs mid-market	Recipient gets PEN 23,672.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3.3818 PEN PEN 23,672.60You pay$7,000.00
Run a live search Showing top United States to Peru deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live USD to PEN rates.
Run a live search These companies offer multi-currency accounts for spending PEN. We suggest doing a live search based on how much USD you're planning to spend in Peru.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 3.4422 PEN +0.27% vs mid-market	Recipient gets PEN 24,095.59 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Peru with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3.4422 PEN PEN 24,095.59You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 3.4343 PEN +0.50% vs mid-market	Recipient gets PEN 24,040.02 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Peru with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3.4343 PEN PEN 24,040.02You pay$7,000.00
Wise Pay via Bank transfer	Fee $83.28 1 USD = 3.4500 PEN +0.04% vs mid-market	Recipient gets PEN 23,862.68 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $83.281 USD = 3.4500 PEN PEN 23,862.68You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 3.4053 PEN +1.35% vs mid-market	Recipient gets PEN 23,837.10 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 3.4053 PEN PEN 23,837.10You pay$7,060.79
TapTap Send Pay via Debit card	Fee $0.00 1 USD = 3.4000 PEN +1.50% vs mid-market	Recipient gets PEN 23,800.00 Minutes
0 reviews Fastest Receive to bank account
Ways to receive money in Peru with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Dale, Luqea, Prexpe Free1 USD = 3.4000 PEN PEN 23,800.00You pay$7,000.00 PLINMinutesAvailable via:Plin Free1 USD = 3.4000 PEN PEN 23,800.00You pay$7,000.00 YapeMinutesAvailable via:Yape Free1 USD = 3.4000 PEN PEN 23,800.00You pay$7,000.00 Bank depositMinutes $0.991 USD = 3.4000 PEN PEN 23,800.00You pay$7,000.99 Cash pickupMinutesAvailable via:Jet Peru Cash Pickup $4.991 USD = 3.4000 PEN PEN 23,800.00You pay$7,004.99
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $5.99 1 USD = 3.3882 PEN +1.85% vs mid-market	Recipient gets PEN 23,717.40 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 3.3882 PEN PEN 23,717.40You pay$7,005.99 YapeMinutes - 24 hoursAvailable via:YAPE $1.991 USD = 3.3610 PEN PEN 23,527.00You pay$7,001.99 PLINMinutes - 24 hoursAvailable via:PLIN $1.991 USD = 3.3610 PEN PEN 23,527.00You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $70.001 USD = 3.3610 PEN PEN 23,527.00You pay$7,070.00

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $75.99 1 USD = 3.3882 PEN +1.85% vs mid-market	Recipient gets PEN 23,717.40 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 3.3882 PEN PEN 23,717.40You pay$7,075.99 YapeMinutes - 24 hoursAvailable via:YAPE $1.991 USD = 3.3610 PEN PEN 23,527.00You pay$7,001.99 PLINMinutes - 24 hoursAvailable via:PLIN $1.991 USD = 3.3610 PEN PEN 23,527.00You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $3.491 USD = 3.3610 PEN PEN 23,527.00You pay$7,003.49
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 3.3882 PEN +1.85% vs mid-market	Recipient gets PEN 23,717.40 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 3.3882 PEN PEN 23,717.40You pay$7,179.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 3.3610 PEN PEN 23,527.00You pay$7,177.99 PLINMinutes - 24 hoursAvailable via:PLIN $210.001 USD = 3.3610 PEN PEN 23,527.00You pay$7,210.00 YapeMinutes - 24 hoursAvailable via:YAPE $210.001 USD = 3.3610 PEN PEN 23,527.00You pay$7,210.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 3.3818 PEN +2.04% vs mid-market	Recipient gets PEN 23,672.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3.3818 PEN PEN 23,672.60You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 3.3818 PEN +2.04% vs mid-market	Recipient gets PEN 23,554.24 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 3.3818 PEN PEN 23,554.24You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 3.3818 PEN +2.04% vs mid-market	Recipient gets PEN 22,962.42 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 3.3818 PEN PEN 22,962.42You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 3.4515 PEN Updates every 60 minutes.

Why compare

USD/PEN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Peru

Pick a company

If you're sending a one-off transfer, then Regency FX is the best option.

Regency FX was the cheapest on 10 of the 29 days it quoted $7,000 transfers to Peru.

For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.

For large transfers, a broker like Regency FX is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Peru, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Peru?

How much USD you send to Peru 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 Regency FX was the cheapest in 65% of the transfers from $5,000 it quoted, and in 65% of all the transfers it quoted.


$500	-2.98%	$0.00	PEN 1,778.02with debit card to mobile money	+PEN 90.65
$2,000	-2.91%	$0.00	PEN 7,106.74with debit card to mobile money	+PEN 357.72
$5,000	-2.98%	$0.00	PEN 17,780.25with debit card to mobile money	+PEN 852.39
$7,000This page	0.27%	$0.00	PEN 24,095.59with bank transfer to bank deposit	+PEN 370.42
$10,000	-2.91%	$0.00	PEN 35,533.70with debit card to mobile money	+PEN 1,502.25
$50,000	0.25%	$0.00	PEN 172,145.86with bank transfer to bank deposit	+PEN 2,651.63
$100,000	0.20%	$0.00	PEN 344,464.29with bank transfer to bank deposit	+PEN 5,455.99
$250,000	0.20%	$0.00	PEN 861,160.73with bank transfer to bank deposit	+PEN 13,633.72

Mid-market rate: 1 USD = 3.4515 PEN

USD/PEN Exchange Rate History

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

The cheapest way to send USD to PEN 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 Regency FX), across 30 days of comparisons for 7,000 USD transfers to Peru.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

Understanding USD/PEN exchange rate

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 PEN per USD 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 19 of the last 30 days.

Right now, Regency FX pays 24,095.59 PEN on 7,000 USD, which is 65.23 PEN less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 24,841.04 PEN.

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 Peru.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 116 comparisons
Cheapest in 65% of them
OFXAppeared in 206 comparisons
Cheapest in 8% of them
WiseAppeared in 206 comparisons
Never the cheapest

Based on 207 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most PEN, and it was also the cheapest in 65% of the 116 comparisons it appeared in over the past month.

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

OFX (today's second cheapest) was the cheapest in only 8% of its comparisons, so it's rarely the cheapest option for transfers to Peru.

Ways to send money from the US to Peru

There are 6 companies available for sending money from the US to Peru, across app, broker, online, multi-currency account, global account, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Wise charges $83.28 on a $7,000 transfer with 0.04% markup, saves your recipient's details for next time, and PEN arrives in within a week.

Over the past month, Wise was the cheapest app on 17% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 23,837.1 PEN in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Peru.

Of all online companies listed here, Wise gets you the most PEN per USD.

On a $7,000 transfer, you will get 23,862.68 PEN after a $83.28 fee and 0.04% markup.

In our comparisons over the past month, it was the cheapest online service on 11 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Peru (e.g. a property purchase, tuition, or moving to Peru), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/PEN that gets lower the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving PEN.

This is useful for traveling to Peru, building up PEN balance, or receiving payments in PEN.

Wise converts $7,000 at 0.04% markup plus small fee and holds the PEN until you spend it.

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

Ways to fund USD and receive PEN in Peru

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 24,095.59 PEN.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Peru.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 23,837.1 PEN on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Peru.

Your recipient in Peru can collect PEN through bank deposit, cash pickup, yape, plin, and mobile wallet.

They can collect cash in Peru

Your recipient can collect PEN from a participating MoneyGram location in Peru.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

S/24,096

Cheapest
2

Cash deposit Cash pickup

You pay $7,060.79

S/23,837

-S/258
3

Debit card Cash pickup

You pay $7,004.99

S/23,800

-S/296
4

Debit card Yape

You pay $7,000.00

S/23,800

-S/296
5

Debit card Plin

You pay $7,000.00

S/23,800

-S/296

Show moreShow less

6

Debit card Bank deposit

You pay $7,000.99

S/23,800

-S/296
7

Debit card Mobile wallet

You pay $7,000.00

S/23,800

-S/296
8

Bank transfer Cash pickup

You pay $7,005.99

S/23,717

-S/378
9

Credit card Cash pickup

You pay $7,179.99

S/23,717

-S/378
10

Bank transfer Yape

You pay $7,001.99

S/23,527

-S/569
11

Bank transfer Plin

You pay $7,001.99

S/23,527

-S/569
12

Credit card Bank deposit

You pay $7,177.99

S/23,527

-S/569
13

Credit card Plin

You pay $7,210.00

S/23,527

-S/569
14

Credit card Yape

You pay $7,210.00

S/23,527

-S/569

Things to consider before sending USD to Peru

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/PEN company

Cheapest way to send money to Peru

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 24,095.59 PEN, which is 0.23% more than the next best option.

Fastest way to send money to Peru

The fastest option is TapTap Send. Pay by debit card and choose mobile wallet for the payout. Your recipient gets 23,800 PEN, with the money arriving in minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Peru?

For transfers over $10,000, Wise is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Peru.

While Wise may not always be the cheapest or fastest way to send PEN, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Peru and United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 207 comparisons across 8 amounts.

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

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

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

Related transfer routes

Send money to Peru

Send money from Spain to Peru Send money from Canada to Peru Send money from United Kingdom to Peru Send money from Italy to Peru

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4000	–	PEN 23,799.85
Regency FX Cheapest	3.3908	$0.00	PEN 23,735.59	−PEN 64.26
OFX	3.3830	$0.00	PEN 23,680.85	−PEN 119.00
Wise	3.4399	$123.44	PEN 23,654.68	−PEN 145.17

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4425	–	PEN 24,097.52
Regency FX Cheapest	3.4332	$0.00	PEN 24,032.46	−PEN 65.06
OFX	3.4253	$0.00	PEN 23,977.03	−PEN 120.49
Wise	3.4426	$112.60	PEN 23,710.56	−PEN 386.96

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4505	–	PEN 24,153.51
Sendwave Cheapest	3.5338	$0.00	PEN 24,736.67	+PEN 583.16
Regency FX	3.4412	$0.00	PEN 24,088.30	−PEN 65.21
OFX	3.4332	$0.00	PEN 24,032.75	−PEN 120.76
Wise	3.4485	$154.44	PEN 23,606.91	−PEN 546.60

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4655	–	PEN 24,258.48
Sendwave Cheapest	3.5487	$0.00	PEN 24,841.04	+PEN 582.56
Regency FX	3.4561	$0.00	PEN 24,192.98	−PEN 65.50
OFX	3.4482	$0.00	PEN 24,137.19	−PEN 121.29
Wise	3.4656	$159.80	PEN 23,705.40	−PEN 553.08

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4475	–	PEN 24,132.53
Sendwave Cheapest	3.5336	$0.00	PEN 24,735.41	+PEN 602.88
Regency FX	3.4382	$0.00	PEN 24,067.37	−PEN 65.16
OFX	3.4303	$0.00	PEN 24,011.87	−PEN 120.66
Wise	3.4357	$106.49	PEN 23,684.03	−PEN 448.50

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4578	–	PEN 24,204.54
Sendwave Cheapest	3.5336	$0.00	PEN 24,735.41	+PEN 530.87
Regency FX	3.4485	$0.00	PEN 24,139.18	−PEN 65.36
OFX	3.4405	$0.00	PEN 24,083.51	−PEN 121.03
Wise	3.4357	$106.49	PEN 23,684.03	−PEN 520.51

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4628	–	PEN 24,239.31
Sendwave Cheapest	3.5422	$0.00	PEN 24,795.33	+PEN 556.02
Regency FX	3.4534	$0.00	PEN 24,173.86	−PEN 65.45
OFX	3.4454	$0.00	PEN 24,118.11	−PEN 121.20
Wise	3.4503	$163.81	PEN 23,586.91	−PEN 652.40

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4432	–	PEN 24,102.06
Sendwave Cheapest	3.5316	$0.00	PEN 24,721.41	+PEN 619.35
Regency FX	3.4339	$0.00	PEN 24,036.98	−PEN 65.08
OFX	3.4259	$0.00	PEN 23,981.55	−PEN 120.51
Wise	3.4431	$144.36	PEN 23,604.65	−PEN 497.41

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4418	–	PEN 24,092.66
Regency FX Cheapest	3.4325	$0.00	PEN 24,027.61	−PEN 65.05
OFX	3.4246	$0.00	PEN 23,972.19	−PEN 120.47
Wise	3.4412	$119.38	PEN 23,677.59	−PEN 415.07

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4399	–	PEN 24,079.48
Regency FX Cheapest	3.4306	$0.00	PEN 24,014.46	−PEN 65.02
OFX	3.4227	$0.00	PEN 23,959.08	−PEN 120.40
Wise	3.4399	$78.48	PEN 23,809.34	−PEN 270.14

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Sendwave Cheapest	3.5396	$0.00	PEN 24,777.06	–
Wise	3.4299	$69.56	PEN 23,770.72	–
Regency FX No quote collected this day	–	–	–	–
OFX No quote collected this day	–	–	–	–

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4297	–	PEN 24,007.68
Sendwave Cheapest	3.5420	$0.00	PEN 24,793.79	+PEN 786.11
Regency FX	3.4204	$0.00	PEN 23,942.86	−PEN 64.82
OFX	3.4125	$0.00	PEN 23,887.64	−PEN 120.04
Wise	3.4302	$69.56	PEN 23,772.80	−PEN 234.88

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4274	–	PEN 23,991.62
Regency FX Cheapest	3.4181	$0.00	PEN 23,926.84	−PEN 64.78
OFX	3.4102	$0.00	PEN 23,871.66	−PEN 119.96
Wise	3.4429	$88.07	PEN 23,797.08	−PEN 194.54

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4495	–	PEN 24,146.58
Sendwave Cheapest	3.5388	$0.00	PEN 24,771.46	+PEN 624.88
Regency FX	3.4402	$0.00	PEN 24,081.39	−PEN 65.19
OFX	3.4323	$0.00	PEN 24,025.85	−PEN 120.73
Wise	3.4496	$127.51	PEN 23,707.34	−PEN 439.24

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4431	–	PEN 24,101.85
Sendwave Cheapest	3.5325	$0.00	PEN 24,727.43	+PEN 625.58
Regency FX	3.4338	$0.00	PEN 24,036.78	−PEN 65.07
OFX	3.4259	$0.00	PEN 23,981.34	−PEN 120.51
Wise	3.4423	$129.53	PEN 23,650.22	−PEN 451.63

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4405	–	PEN 24,083.49
Sendwave Cheapest	3.5339	$0.00	PEN 24,737.30	+PEN 653.81
Regency FX	3.4312	$0.00	PEN 24,018.46	−PEN 65.03
OFX	3.4233	$0.00	PEN 23,963.07	−PEN 120.42
Wise	3.4403	$91.49	PEN 23,767.35	−PEN 316.14

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4404	–	PEN 24,082.50
Sendwave Cheapest	3.5114	$0.00	PEN 24,579.59	+PEN 497.09
Regency FX	3.4311	$0.00	PEN 24,017.48	−PEN 65.02
OFX	3.4232	$0.00	PEN 23,962.09	−PEN 120.41
Wise	3.4397	$156.45	PEN 23,539.76	−PEN 542.74

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4448	–	PEN 24,113.77
Sendwave Cheapest	3.5350	$0.00	PEN 24,744.72	+PEN 630.95
Regency FX	3.4355	$0.00	PEN 24,048.67	−PEN 65.10
OFX	3.4276	$0.00	PEN 23,993.21	−PEN 120.56
Wise	3.4365	$88.75	PEN 23,750.51	−PEN 363.26

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4511	–	PEN 24,157.50
Regency FX Cheapest	3.4418	$0.00	PEN 24,092.28	−PEN 65.22
OFX	3.4338	$0.00	PEN 24,036.72	−PEN 120.78
Wise	3.4507	$142.35	PEN 23,663.69	−PEN 493.81

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4485	–	PEN 24,139.48
Sendwave Cheapest	3.5257	$0.00	PEN 24,679.69	+PEN 540.21
Regency FX	3.4392	$0.00	PEN 24,074.30	−PEN 65.18
OFX	3.4313	$0.00	PEN 24,018.78	−PEN 120.70
Wise	3.4379	$100.36	PEN 23,720.27	−PEN 419.21

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4420	–	PEN 24,093.82
Sendwave Cheapest	3.5249	$0.00	PEN 24,674.16	+PEN 580.34
Regency FX	3.4327	$0.00	PEN 24,028.76	−PEN 65.06
OFX	3.4248	$0.00	PEN 23,973.35	−PEN 120.47
Wise	3.4279	$97.63	PEN 23,660.63	−PEN 433.19

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4371	–	PEN 24,059.63
Sendwave Cheapest	3.5327	$0.00	PEN 24,728.62	+PEN 668.99
Regency FX	3.4278	$0.00	PEN 23,994.67	−PEN 64.96
OFX	3.4199	$0.00	PEN 23,939.33	−PEN 120.30
Wise	3.4343	$81.22	PEN 23,761.17	−PEN 298.46

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4338	–	PEN 24,036.49
Regency FX Cheapest	3.4245	$0.00	PEN 23,971.59	−PEN 64.90
OFX	3.4166	$0.00	PEN 23,916.31	−PEN 120.18
Wise	3.4343	$69.56	PEN 23,801.21	−PEN 235.28

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4319	–	PEN 24,023.12
Sendwave Cheapest	3.5463	$0.00	PEN 24,824.38	+PEN 801.26
Regency FX	3.4226	$0.00	PEN 23,958.26	−PEN 64.86
OFX	3.4147	$0.00	PEN 23,903.00	−PEN 120.12
Wise	3.4478	$83.96	PEN 23,845.12	−PEN 178.00

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4269	–	PEN 23,988.01
Regency FX Cheapest	3.4176	$0.00	PEN 23,923.24	−PEN 64.77
OFX	3.4097	$0.00	PEN 23,868.07	−PEN 119.94
Wise	3.4336	$69.56	PEN 23,796.36	−PEN 191.65

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Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4549	–	PEN 24,184.59
Sendwave Cheapest	3.5417	$0.00	PEN 24,791.55	+PEN 606.96
Regency FX	3.4456	$0.00	PEN 24,119.29	−PEN 65.30
OFX	3.4377	$0.00	PEN 24,063.66	−PEN 120.93
Wise	3.4540	$128.18	PEN 23,735.27	−PEN 449.32

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.4515	–	PEN 24,160.82
Regency FX Cheapest	3.4422	$0.00	PEN 24,095.59	−PEN 65.23
OFX	3.4343	$0.00	PEN 24,040.02	−PEN 120.80
Wise	3.4500	$83.28	PEN 23,862.68	−PEN 298.14