Compare International Money Transfer Providers

Compare fees, exchange rates & transfer times for sending money abroad.

  • FCA-regulated international transfer providers
  • Better value than traditional bank transfers
  • Fast, secure payments to global destinations
  • Compare options for personal or large transfers

Sending money abroad can vary in cost and speed depending on the provider. Comparing fees, exchange rates and delivery times helps you find a trusted, FCA-regulated service that offers better value than your bank.

4000+ reviews

Which transfer service are you looking for?

1 Secure Transfers
TorFX
4.8
Trustpilot score
TorFX

Bank-beating exchange rates

  • Excellent exchange rates with no fees
  • Transfer 24/7 over the phone, online or through the app
  • Dedicated account manager & rated excellent on Trustpilot
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1 Secure Transfers
TorFX
4.8
Trustpilot score

TorFX

Bank-beating exchange rates

  • Excellent exchange rates with no fees
  • Transfer 24/7 over the phone, online or through the app
  • Dedicated account manager & rated excellent on Trustpilot
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2 Secure Transfers
Equals Money
4.4
Trustpilot score
Equals Money

Bank-beating exchange rates

  • Fully FCA Authorised and Regulated
  • Send Money with your Personal Account manager or online
  • International Payments, Multi Currency Accounts, and more
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2 Secure Transfers
Equals Money
4.4
Trustpilot score

Equals Money

Bank-beating exchange rates

  • Fully FCA Authorised and Regulated
  • Send Money with your Personal Account manager or online
  • International Payments, Multi Currency Accounts, and more
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3 Secure Transfers
FC Global Payments
4.8
Trustpilot score
FC Global Payments

Bank-beating exchange rates

  • Tailored strategic solutions
  • Fee free international transfers
  • Forward rate fixing for up to 12 months
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3 Secure Transfers
FC Global Payments
4.8
Trustpilot score

FC Global Payments

Bank-beating exchange rates

  • Tailored strategic solutions
  • Fee free international transfers
  • Forward rate fixing for up to 12 months
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4 Secure Transfers
Key Currency
4.9
Trustpilot score
Key Currency

Bank-beating exchange rates

  • Fully Authorised and Regulated in the UK
  • Lower Staff Costs Rolled Over to the Client
  • Quick Onboarding Process and Highly Professional
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4 Secure Transfers
Key Currency
4.9
Trustpilot score

Key Currency

Bank-beating exchange rates

  • Fully Authorised and Regulated in the UK
  • Lower Staff Costs Rolled Over to the Client
  • Quick Onboarding Process and Highly Professional
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5 Secure Transfers
Regency FX
4.9
Trustpilot score
Regency FX

Bank-beating exchange rates

  • Available 7 Days a Week
  • WhatsApp communication available
  • Winner of South West Business Awards, Employer of the Year
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5 Secure Transfers
Regency FX
4.9
Trustpilot score

Regency FX

Bank-beating exchange rates

  • Available 7 Days a Week
  • WhatsApp communication available
  • Winner of South West Business Awards, Employer of the Year
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6 Secure Transfers
Halo Financial
3.3
Trustpilot score
Halo Financial

Bank-beating exchange rates

  • Preferential rates for Free Price Compare customers
  • Profession, award-winning service
  • Tailored solutions
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6 Secure Transfers
Halo Financial
3.3
Trustpilot score

Halo Financial

Bank-beating exchange rates

  • Preferential rates for Free Price Compare customers
  • Profession, award-winning service
  • Tailored solutions
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7 Secure Transfers
Currencies Direct
4.9
Trustpilot score
Currencies Direct

Bank-beating exchange rates

  • No transfer fees and dedicated account manager
  • Multi-award winning service
  • Global presence with 25+ branches worldwide
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7 Secure Transfers
Currencies Direct
4.9
Trustpilot score

Currencies Direct

Bank-beating exchange rates

  • No transfer fees and dedicated account manager
  • Multi-award winning service
  • Global presence with 25+ branches worldwide
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8 Secure Transfers
OFX
4.4
Trustpilot score
OFX

Bank-beating exchange rates

  • £0 wire and transfer fees
  • No transfer Limits
  • 50+ Currencies
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8 Secure Transfers
OFX
4.4
Trustpilot score

OFX

Bank-beating exchange rates

  • £0 wire and transfer fees
  • No transfer Limits
  • 50+ Currencies
CHECK RATES

Sending money abroad doesn’t need to be expensive or confusing. By comparing fees, exchange rates and transfer times across trusted, FCA-regulated providers, you can find the best value option for your international transfer—whether it’s a small payment or a large high-value transaction.

How It Works: Sending Money Abroad

Step 1: Compare Providers

Start by comparing international money transfer services to see how their fees, exchange rates and delivery times differ. Some providers prioritise speed, while others offer better value on large transfers. Comparing these options helps you save money and choose the right service for your needs.

Step 2: Get a Clear, Up-Front Quote

Enter your transfer amount and destination to see a transparent quote. Providers show real-time exchange rates and any applicable fees, so you’ll know exactly how much your recipient will receive before you confirm the transfer.

Step 3: Complete Your Secure Transfer

Once you’ve chosen the best provider, simply follow their instructions to send your money. All providers featured on our site are FCA-regulated, ensuring your transfer is safe. Delivery times vary by provider — some transfers arrive within minutes, while others may take one to two business days.

Why Compare International Money Transfer Providers?

Comparing providers is the easiest way to save money and avoid delays when sending money abroad. Fees, exchange rates and delivery times vary widely between services, so the provider you choose can make a significant difference to how much your recipient receives. Some providers specialise in fast transfers, while others offer better value for larger amounts. By comparing your options side-by-side, you can choose a trusted, FCA-regulated service that matches your needs and budget.

Compare trusted money transfer providers now

What Affects the Cost of Sending Money Abroad?

Several factors influence how much your international transfer will cost and how quickly it arrives. Understanding these can help you choose the best provider and avoid unnecessary fees.

Transfer Fees

Money transfer providers may charge fixed fees, percentage-based fees, or sometimes no fees at all. Banks often charge higher costs, especially for SWIFT payments. Comparing providers side-by-side helps you find the lowest overall transfer cost.

Exchange Rate Markups

The exchange rate you receive can make a significant difference to how much money arrives. Many providers add a margin to the mid-market rate. Some specialise in offering smaller markups, which can result in much better value—especially for larger transfers.

Transfer Speed

Delivery times vary across providers. Some can send money abroad within minutes, while others take one to two business days depending on the currency, destination and payment method. Faster transfers may cost more, so choose a speed that matches your needs.

Payment Methods

How you pay for your transfer can affect both speed and cost.

  • Bank transfers are usually the cheapest option.
  • Debit card payments are fast but may include small additional fees.
  • Credit cards can be the quickest but are often the most expensive due to cash advance fees.

Receiving Methods

Your recipient may receive money via a bank account, mobile wallet, or cash pickup location. Bank deposits are typically the cheapest and most reliable, while cash pickups may include additional charges.

Check today’s fees and exchange rates

What Information Do I Need to Send Money Abroad?

When sending an international money transfer, most providers will ask for a few basic details to keep the transfer secure and compliant. Having this information ready helps you get a personalised estimate and speeds up the process.

Your Personal Details

You’ll usually need to provide your name, email address, phone number and sometimes your address. This helps the provider verify your account type and comply with local regulations across the UK and the European Economic Area.

Recipient Details

To send money to another person, you typically need their full name, bank account number, sort code, IBAN, SWIFT/BIC bank code or routing information. Some money transfer companies may also request the recipient’s email address, phone number or the destination country to confirm payout options.

Transfer Amount and Currency

Providers will ask for the amount of money you want to send and the foreign currency your recipient will receive. Popular currencies include US dollars, Indian rupees, euros, New Zealand dollars and Hong Kong dollars, although options vary by provider.

Payment Method

You can normally pay by bank transfer, debit card, direct debit or occasionally credit card. Bank transfers and online banking are often the most secure way to pay, while cards may offer a more convenient option for faster international bank transfers.

Delivery Method

Depending on the destination country, your recipient may receive funds through a local bank account, mobile wallet, mobile app or cash pickup location. Each payout option may have a different transaction fee or international transfer duration.

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FAQs About International Money Transfers

The cheapest option often depends on the country you’re sending to and the payment method you choose. Money transfer providers usually offer lower fees and smaller exchange rate markups than traditional banks. Comparing providers side-by-side helps you find the best value for your transfer amount.

Transfer times vary by provider, destination and payment method. Some services can deliver funds within minutes, while others may take one to two business days. Bank transfers are usually slower, while debit card payments tend to be faster.

Yes — as long as you use a regulated provider. All services listed on our website are authorised or regulated by the FCA, which ensures strict security standards. Providers use encryption and secure payment systems to keep your money and personal information safe.

In most cases, yes. Banks often add larger margins to exchange rates and charge higher transfer fees. Money transfer providers typically offer more competitive rates and clearer fee structures, helping more of your money reach your recipient.

Most providers require basic identification, such as a passport or driving licence, especially for larger transfers. You may also be asked to verify your address and the purpose of the transfer as part of standard security checks.

Yes. Many providers specialise in large international transfers and offer dedicated support, competitive exchange rates and secure bank-to-bank payments. Comparing options helps you find the best value for higher-value transfers.

Find the best option for your transfer

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Page last updated on: 04/01/2025

Page reviewed by: Andrea Troy

4000+ reviews