Find the best ways to send money from the United States to the United Kingdom.
Find the cheapest, fastest, and most reliable providers with the best USD to GBP exchange rates.
Explore the best deals, read expert information, and discover all you need to send money to United Kingdom from United States.
| 13 of 13 providers Last updated on 2 September 2026 This page updates weekly. We collect, store, and analyze USD/GBP exchange rates from our comparisons. | |||
| Based on 7,000 USD transfer Best companies for USD/GBP transfersAll money transfer offers for USD/GBP transfers, sorted by most GBP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee $30.03 1 USD = 0.7403 GBP +0.01% vs mid-market | Recipient gets £5,159.88 Within minutes | |
Ways to receive money in UK with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $30.031 USD = 0.7403 GBP £5,159.88You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 0.7364 GBP +0.54% vs mid-market | Recipient gets £5,154.80 Minutes - 24 hours | |
Ways to receive money in UK with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.7364 GBP £5,154.80You pay$7,000.00 | |||
Run a live search Showing top United States to United Kingdom 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 GBP rates. | |||
Run a live search These companies offer multi-currency accounts for spending GBP. We suggest doing a live search based on how much USD you're planning to spend in United Kingdom. | |||
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: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 0.7385 GBP +0.25% vs mid-market | Recipient gets £5,169.74 Minutes - 3 days | |
Ways to receive money in UK with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 0.7385 GBP £5,169.74You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 0.7384 GBP +0.27% vs mid-market | Recipient gets £5,168.70 Minutes - 24 hours | |
Ways to receive money in UK with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.7384 GBP £5,168.70You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $30.03 1 USD = 0.7403 GBP +0.01% vs mid-market | Recipient gets £5,159.88 Within minutes | |
Ways to receive money in UK with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $30.031 USD = 0.7403 GBP £5,159.88You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 0.7367 GBP +0.50% vs mid-market | Recipient gets £5,156.78 Minutes - 24 hours | |
Ways to receive money in UK with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.7367 GBP £5,156.78You pay$7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 USD = 0.7366 GBP +0.51% vs mid-market | Recipient gets £5,156.20 Minutes - 24 hours | |
Ways to receive money in UK with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.7366 GBP £5,156.20You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 0.7364 GBP +0.54% vs mid-market | Recipient gets £5,154.80 Minutes - 24 hours | |
Ways to receive money in UK with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.7364 GBP £5,154.80You pay$7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee $3.38 1 USD = 0.7356 GBP +0.65% vs mid-market | Recipient gets £5,146.70 Minutes - 24 hours | |
Ways to receive money in UK with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.381 USD = 0.7356 GBP £5,146.70You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 0.7391 GBP +0.17% vs mid-market | Recipient gets £5,144.11 Within minutes | |
Ways to receive money in UK with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 0.7391 GBP £5,144.11You pay$7,000.00 | |||
| 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. | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 0.7364 GBP +0.54% vs mid-market | Recipient gets £5,129.03 Minutes - 24 hours | |
Ways to receive money in UK with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 0.7364 GBP £5,129.03You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $1.99 1 USD = 0.7312 GBP +1.25% vs mid-market | Recipient gets £5,118.40 Minutes - 24 hours | |
Ways to receive money in UK with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Receive via textMinutes - 24 hoursAvailable via:RCVRCHOICE $1.991 USD = 0.7312 GBP £5,118.40You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.7237 GBP £5,065.90You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 0.7237 GBP £5,065.90You pay$7,075.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 0.7164 GBP £5,014.80You pay$7,001.99 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 0.7300 GBP +1.40% vs mid-market | Recipient gets £5,110.14 Minutes - 2 days | |
Ways to receive money in UK with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 0.7300 GBP £5,110.14You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 0.7244 GBP +2.18% vs mid-market | Recipient gets £5,070.80 Minutes - 24 hours | |
Ways to receive money in UK with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 0.7244 GBP £5,070.80You pay$7,060.79 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 0.7237 GBP +2.28% vs mid-market | Recipient gets £5,065.90 Minutes - 24 hours | |
Ways to receive money in UK with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.7237 GBP £5,065.90You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 0.7237 GBP £5,065.90You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 0.7164 GBP £5,014.80You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $177.99 1 USD = 0.7237 GBP +2.28% vs mid-market | Recipient gets £5,065.90 Minutes - 24 hours | |
Ways to receive money in UK with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 0.7237 GBP £5,065.90You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 0.7237 GBP £5,065.90You pay$7,179.99 | |||
 Chase Pay via Bank transfer | Fee $0.00 1 USD = 0.7224 GBP +2.46% vs mid-market | Recipient gets £5,056.57 | |
Ways to receive money in UK with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.7224 GBP £5,056.57You pay$7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $1.99 1 USD = 0.7198 GBP +2.81% vs mid-market | Recipient gets £5,037.45 Minutes - 2 days | |
Ways to receive money in UK with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $1.991 USD = 0.7198 GBP £5,037.45You pay$7,000.00 | |||
 Wells Fargo Pay via Bank transfer | Fee $0.00 1 USD = 0.7178 GBP +3.10% vs mid-market | Recipient gets £5,024.51 | |
Ways to receive money in UK with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.7178 GBP £5,024.51You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 0.7364 GBP +0.54% vs mid-market | Recipient gets £5,000.16 Minutes - 24 hours | |
Ways to receive money in UK with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 0.7364 GBP £5,000.16You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 0.740385 GBP Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Key Currency is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers using a broker like Key Currency 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.
You have 4 ways to pay for your transfer to UK, 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).
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.
There are 13 companies available for sending money from the US to United Kingdom, across broker, app, online, multi-currency account, global account, bank, and in person, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Wise charges $30.03 on a $7,000 transfer with 0.01% markup, saves your recipient's details for next time, and GBP arrives in same day.
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
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 5,118.4 GBP in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to United Kingdom.
Of all online companies listed here, Wise gets you the most GBP per USD.
On a $7,000 transfer, you will get 5,159.88 GBP after a $30.03 fee and 0.01% markup.
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
For large transfers to UK (e.g. a property purchase, tuition, or moving to United Kingdom), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/GBP that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Only if you have to
Wiring money abroad from your bank is the most expensive option.
On a $7,000 transfer, a bank like Chase gets your recipient 5,056.57 GBP, against 5,169.74 GBP with Key Currency (the overall cheapest option).
The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.
Business payments from the US
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
A multi-currency account like Wise is the best for holding and receiving GBP.
This is useful for traveling to United Kingdom, building up GBP balance, or receiving payments in GBP.
Wise converts $7,000 at 0.01% markup plus small fee and holds the GBP until you spend it.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 5,169.74 GBP.
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 the it may take some time for it to clear before a money transfer company can send the money to UK.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 5,118.4 GBP on $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 United Kingdom.
Your recipient in the United Kingdom can collect GBP through bank deposit, receive via text, cash pickup, and card deposit.
They can collect cash in UK
Your recipient can collect GBP from a participating MoneyGram location in United Kingdom.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
£5,170
Cheapest
You pay $7,000.00
£5,129
-£41
You pay $7,001.99
£5,118
-£51
You pay $7,060.79
£5,071
-£99
You pay $7,005.99
£5,066
-£104
You pay $7,075.99
£5,066
-£104
You pay $7,177.99
£5,066
-£104
You pay $7,179.99
£5,066
-£104
You pay $7,074.99
£5,015
-£155
You pay $7,001.99
£5,015
-£155
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to United Kingdom
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 5,169.74 GBP, which is 0.02% more than the next best option.
Fastest way to send money to United Kingdom
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 5,144.11 GBP, with the money arriving in within minutes.
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.
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.
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.
For larger transfers, your best bet is Wise.
While Wise may not always be the cheapest or fastest way to send GBP, but they offer the best exchange rate, years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much GBP your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 0.74165 GBP
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between United Kingdom and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to United Kingdom.
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.
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