Every provider prices a transfer differently. Some show you a fee, while others include more of the cost in the exchange rate. Open a provider to learn about its service, plans and estimated prices, or compare options side by side to see which one costs the least.
Wise is an international money-transfer service and multi-currency account built around the mid-market exchange rate and a separate, visible fee. Individuals and businesses can send to bank accounts, hold currencies and use account or card features where available.
Revolut is an app-based financial account for holding, exchanging, spending and sending money in several currencies. It combines a free account and paid plans with cards, payments, travel benefits and other financial products that vary by country, making it particularly useful for people who already manage day-to-day money in the app.
Airwallex is a global business-finance platform for companies that collect, hold, convert and pay money in several currencies. It combines international accounts and transfers with corporate cards, expenses, billing and payment acceptance.
Currenxie is a business-only international account and payments platform. Companies can collect money through local account details, hold and exchange currencies, pay suppliers or staff and connect payment services through an API.
Interactive Brokers (IBKR) is a global investment broker with some of the lowest currency-exchange costs available to individual investors. Customers can convert and hold currencies in the same multi-currency account they use for stocks, ETFs, bonds and other global investments, while eligible customers can also trade currency pairs directly.
Typical Bank is an illustrative example of a conventional international bank transfer, not a real bank. It shows how an upfront wire fee and the exchange rate offered by a bank can combine to affect what the recipient receives.
Western Union is one of the oldest and widest-reaching money-transfer networks. Customers can send online, in the app or at an agent, while recipients can use cash pickup, bank deposit or a supported mobile wallet.
MoneyGram is an international money-transfer service with both a digital app and a large physical agent network. It is especially useful when a recipient needs cash, although bank, card and mobile-wallet delivery are available in selected countries.
Xe combines well-known currency information tools with international money transfers for individuals and businesses. A customer can send to a bank account and, on supported routes, choose cash pickup or another receiving option through Xe's wider group network.
Remitly is a digital international-transfer service built around sending money to family and friends. Depending on the destination, recipients can get a bank deposit, mobile wallet payment, cash pickup, home delivery or debit-card deposit.
OFX is an international money-transfer and currency specialist for individuals and businesses. It is best known for larger bank-to-bank transfers, with a digital service backed by round-the-clock access to currency specialists.
WorldRemit is a digital money-transfer service for sending money to family and friends abroad. The sender completes the transfer online, while the recipient may receive a bank deposit, cash pickup, mobile money or airtime top-up where offered.
Ria is a long-established money-transfer provider with online, app and in-person sending. It is especially useful when the recipient wants cash, although bank deposits, mobile wallets and selected home-delivery or cardless-cash options are available in some countries.
PayPal combines a widely used digital wallet and checkout service with international personal payments. Xoom, which is part of PayPal, is a separate money-transfer service for bank deposits, cash pickup, wallet delivery, bill payments and mobile reloads in supported countries.
CurrencyFair is an online currency-exchange and international-transfer service for individuals and businesses. It is commonly used for bank-to-bank payments such as moving savings, buying property, paying tuition or suppliers and receiving overseas income.
YouTrip is a Singapore-focused multi-currency travel wallet and Mastercard built for overseas spending. Customers can hold and exchange 12 selected currencies, pay by card in more than 150 currencies and, in Singapore, use a separate feature to send SGD to supported overseas bank accounts.
N26 is a mobile bank for residents of supported European countries. It provides a euro bank account, debit card and app-based tools for everyday spending, saving and money management rather than operating as a stand-alone personal-transfer service.
Payoneer is a cross-border business-payment account built for freelancers, online sellers, marketplaces and international companies. It helps customers receive commercial payments, hold currencies, pay business contacts and withdraw earnings to a bank.
Skrill offers two distinct ways to move money. Its digital wallet is used for online payments, balances, currency exchange and payments between Skrill users, while Skrill Money Transfer sends money directly to supported bank accounts, cards and mobile wallets without requiring the recipient to hold a Skrill wallet.
TransferGo is a mobile-first international money-transfer service for people and businesses living, working and supporting family across borders. It combines direct payments to recipients with a multi-currency account and card features in supported European markets.
Instarem is Nium's international money-transfer brand for individuals and businesses. Consumers use it to send to overseas bank accounts, while companies use it for supplier, payroll and other cross-border payments.
TorFX is a currency broker and international bank-transfer provider with a strong emphasis on personal service. Customers can agree an exchange rate with an account manager or arrange eligible transfers online, making it particularly relevant for property, relocation and other higher-value payments.
Paysera is a Lithuanian electronic-money and payments group offering multi-currency accounts, euro and international transfers, cards for eligible customers and online payment collection for businesses.
Aspora is an app for Indians living abroad who send money home, with a sharp focus on transfers to India and a wider ambition to build banking products for the global Indian community.
NALA is a mobile transfer service built around sending money from the UK, United States and Europe to African bank accounts and mobile wallets, with especially strong coverage in East and West Africa.
Xapo Bank is a Gibraltar-regulated bank combining a US dollar account, Bitcoin custody, global payment access and a premium debit card in one paid membership.
Grey gives freelancers, remote workers and small businesses foreign account details for receiving overseas income, then lets them hold, convert and withdraw the balance locally.
We send the same transfer through Wise and every Revolut plan using current estimates, and show exactly what each one takes off the top.
Read guideCompare Wise remittance quotes with IBKR brokerage conversion estimates, including commission, execution, withdrawal, and product-fit limits.
Read guideWe send the same transfer through Wise and PayPal using current estimates, and show exactly what each one takes off the top.
Read guideWe send the same transfer through Revolut and N26 using current estimates, and show which neobank keeps less of your money.
Read guideCompare IBKR investment-linked currency trade estimates with Airwallex business FX and payment pricing, including the workflow differences.
Read guideWise is cheap, but it is not always the best fit. We compare the top alternatives with current estimates and pick a winner for each use case.
Read guideThe cheapest option changes with the amount and the currency pair, so compare your exact transfer.
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