Reference rate
A mid-market rate, or another rate you use as a benchmark.
Compare
Compare money transfer providers
Understand how to compare the total cost, speed and practical process of sending money internationally.
Transfer fees are only part of the picture. Exchange-rate margins, payment method, delivery route and recipient charges can all affect what arrives.
Moving money internationally is both a pricing decision and an operational one. The total cost is not just the transfer fee. It can also include the exchange-rate margin, card or funding charges, intermediary-bank deductions and recipient-side costs.
For smaller payments, convenience may matter most. For larger transfers — such as property purchases, investment funding or business payments — documentation, timing, FX execution and certainty become more important.
The right comparison starts with three questions: how much are you sending, which currencies are involved, and how much must the recipient actually receive?
The cheapest-looking transfer is not always the lowest-cost transfer.
Compare the final amount received, the exchange rate used, every visible and embedded cost, and the reliability of the payment route.
The comparison below lists transfer providers and describes published coverage, delivery and support. It does not rank them, and it does not publish a live fee or exchange rate.
The basics
What actually happens when you send money internationally?
A transfer is a chain. Each stage can introduce time, cost, compliance checks or limits.
01
You / sender
The person or business instructing the payment, and the purpose of it.
02
Funding method
Bank transfer, card, or an account balance. The method can change both cost and timing.
03
Transfer provider
The firm that takes the instruction. It may be your bank or a specialist payments firm.
04
FX conversion
Where one currency becomes another. This may happen now, later, or not at all if no conversion is needed.
05
Payment network or local rail
The route the payment travels. A local network and an international bank route are different.
06
Recipient bank, wallet or account
Where the money is meant to arrive, under the name and details you provide.
07
Recipient
The person or business who can use the money, after any charge taken on their side.
The provider may not physically move your original currency across borders. In some cases, local payout networks are used.
Service type
Bank or specialist transfer provider?
Bank
- The payment can sit inside an account you already hold
- The relationship may already be familiar
- An occasional transfer can be simple to instruct
- Support for a large payment may be available
- FX pricing can vary, and should be read on the quote
Specialist provider
- International payments are often the main service
- The steps to send can be set out in one workflow
- More than one currency may be part of the account
- Tools for seeing a rate before you confirm may be clearer
- What is available still depends on the corridor
Neither model is automatically cheaper or better. Compare the actual quote and service for your specific transfer.
Cost
Compare the amount received, not just the advertised fee
01
Send amount
The amount you start with, in the currency you fund.
02
Transfer fee
A charge shown as a fee for sending. It may be zero, and it may not be the whole price.
03
FX margin
The gap between a reference rate and the rate you are offered, when a conversion happens.
04
Intermediary costs
A bank in the middle of an international route may deduct a charge before the money arrives.
05
Recipient fees
The bank or wallet that receives the money may also charge.
06
Final amount received
What is left for the recipient. This is the figure to compare.
Ask for the final recipient amount before confirming the transfer.
Foreign exchange
The exchange-rate margin is often the hidden part of the price
A quote may refer to a mid-market rate, then offer you a customer rate. The spread or markup is the gap between them. The rate can also move during the day, and the moment the quote is fixed matters. Some providers offer a way to hold a rate for a period. Ask what that involves. This page does not publish a rate or a percentage.
A provider can advertise a low or zero transfer fee and still earn money through the exchange rate.
Customer rate
The rate in the quote, after any margin.
Final received amount
What arrives once the rate and every fee are applied.
On a small screen the three stages stack.
FX cost comparisonVisible fees
Fees can appear at more than one stage
- Transfer fee
- Card funding fee
- Bank funding fee
- Receiving fee
- Correspondent or intermediary-bank fee
- Priority payment fee
- Account fee
- Cancellation fee, where one applies
Ask whether the quoted cost is all-inclusive.
Check the provider’s current terms. None of these amounts is published here.
Delivery time
“Fast” means different things on different payment routes
A route may be described as near-instant, same-day, next-business-day, or as taking several business days. Compliance checks, the recipient’s bank, weekends, local holidays and cut-off times can all move the arrival. Delivery times can vary by corridor.
01
A local rail
Some domestic-style routes can be near-instant where they exist. Availability depends on the corridor.
02
Same day
A provider may describe a route as same-day. Cut-off times and checks can still push it later.
03
Next business day
A common description for a route that does not run at weekends or on local holidays.
04
Several business days
An international bank route can take longer, and a review can add more time.
Quoted speed is not the same as guaranteed arrival.
- When does the transfer actually leave?
- When is FX executed?
- When does the recipient bank receive it?
- Are weekends included?
- What can delay the transfer?
How you pay
How you fund the transfer can affect cost and speed
Bank transfer
Often used for larger amounts. Funding the provider can take longer than the onward payment.
Debit card
Convenient for a smaller payment. The card or the provider may add a fee or a limit. Ask both.
Credit card
A card issuer may treat the payment as a cash-like transaction. That can make it an expensive way to fund a transfer. Ask the issuer before you rely on it.
Account balance
Useful if you already hold money with the provider, including in more than one currency. Conversion may still be a separate step.
These are differences to ask about. They are not a price list.
How they receive
The recipient experience matters too
Money may arrive in a bank account, via local account details, in a mobile wallet, as a cash collection where that exists, onto a card, or into a business account. The name on the account often needs to match the name on your instruction.
- Does the recipient need an account?
- Is local currency delivered?
- Are fees deducted on receipt?
- Does the beneficiary name need to match exactly?
- Can businesses receive payments?
Coverage
A provider may support the currency but not your exact payment corridor
- The country you send from
- The country that receives
- The currency you send
- The currency they receive
- Restrictions on your residence
- Restrictions on the beneficiary
- Whether a bank route exists for that pair
Check the exact route you need, not just the provider’s headline list of currencies.
Limits
Transfer limits matter more as payment size increases
A provider may cap a single payment, a day, or a month. Paying by card can have a lower cap than paying from a bank. Extra verification can change the cap. A business account can be different from a personal one. This page does not publish a limit.
- A limit per transfer
- A daily limit
- A monthly limit
- A lower limit when you pay by card
- A higher limit after extra verification
- A different limit for a business account
Limits may change after verification or depend on payment method.
Large payments
Large transfers need more than a good exchange rate
A larger payment can bring questions about source of funds and source of wealth, a property contract, sale proceeds, an investment being sold, or bank statements. There may be a compliance review, a settlement window, a payment reference to get right, and a check that the beneficiary is who you think. The operational process can be as important as price.
Before a large transfer
- 01Verify the beneficiary details
- 02Confirm the purpose of the payment
- 03Prepare source-of-funds documents
- 04Understand how the exchange rate will be set
- 05Confirm the timing you need
- 06Confirm the limits on this account
- 07Ask whether the payment can be sent in stages
- 08Understand the cancellation process
- 09Keep a complete record of the instruction and the arrival
Repeat payments
Regular payments need a different comparison
A payment you make once is a different problem from one you make every month. Pension income, salary, a mortgage, family support, tuition and rent all need a route you can repeat.
Examples
- Pension income
- Salary
- Mortgage payments
- Family support
- Tuition
- Rent
What to compare
- Scheduled transfers
- A repeating instruction
- A rate alert
- Automatic conversion
- A minimum size
- How a repeating fee is shown
Business payments
Business transfers have different requirements
Supplier payments, payroll and invoices can need batch payments, more than one person approving a payment, a reference that survives the journey, a way to reconcile what left, and company checks that go beyond a personal passport. Currency exposure and who can see the account are part of the same question.
- Can multiple users approve payments?
- Are batch payments supported?
- Are payment references preserved?
- Are accounting or API connections available?
- Can the business hold balances in several currencies?
Property and major purchases
Property payments require careful coordination
A deposit and the funds for completion often go to a lawyer or notary, against a deadline, in a set currency, with a beneficiary name that must be exact. Source-of-funds papers and the certainty of a large payment sit alongside the exchange rate. This page does not suggest trying to time the market.
For property purchases, the amount and deadline can both be fixed. That makes timing and certainty especially important.
Buying property in Spain as a UK residentRate management
Some providers offer tools to manage timing uncertainty
You may be offered a rate alert, a way to lock a rate, a limit on the rate you will accept, or, where a firm is permitted to offer it, a forward-style contract. Availability depends on the provider, the corridor and the rules that apply to that firm. These are descriptions of tools people ask about. They are not a suggestion to use any of them.
Some tools may involve contracts, deposits or obligations. Understand the terms before using them.
Security
Who actually handles your money?
Ask which legal entity provides the transfer and which regulator supervises it. The firm may be a bank or a payment institution. Customer money may be held as a deposit or safeguarded another way. Operational controls, such as a second check before a new beneficiary is paid, matter as well. This page does not state a protection amount for any country.
- Which legal entity provides the transfer?
- Which regulator supervises it?
- Is the firm a bank, a payment institution, or another type of provider?
- How are customer funds held?
- What happens if a transfer fails?
- What fraud controls exist?
Visibility
You should know where the payment is
A useful service shows a status, a confirmation, a reference you can quote, and a way to escalate if the money has not arrived. For some routes a bank can trace a payment. Clear tracking becomes more important when the payment has a deadline.
If something goes wrong
Understand cancellation and refund rules before sending
Cancellation may only be possible before processing. The exchange may already have been done. The recipient’s bank may already hold the funds. A return can take time, and a fee may remain. This page does not describe any firm’s policy.
- Can a transfer be cancelled?
- Until what point?
- What happens to the FX conversion?
- Are fees refunded?
- How are failed payments returned?
Compare smarter
How to read a money-transfer comparison
A comparison is only useful when it matches your exact currency pair, amount and payment method. Reprice the amount you are actually sending. A figure that looks modest on a small payment can look different on a house deposit, and the reverse.
01
Total recipient amount
The figure that arrives, after every layer you can see and any you are told may still be taken.
02
FX rate and spread
The rate you are offered, how it relates to a reference rate, and when it is fixed.
03
Transfer fee
The explicit fee, and whether the quote says it is the only one.
04
Delivery time
What the provider says is usual for this route, and what can make it later. A quote is not a guarantee.
05
Funding method
Bank, card or balance, and what each does to cost, limits and timing.
06
Recipient method
Bank account, local details, wallet, or another route, and any charge on arrival.
07
Transfer limits
What this account can send, on this method, before and after any extra checks.
08
Regulation and support
Which entity provides the service, who supervises it, and how you reach someone if a deadline is close.
A practical comparison scorecard
Use this against a quote you already have. It does not score firms, and it does not produce a ranking.
| Question | Why it matters | What to check |
|---|---|---|
| What is the final amount received? | This is the comparison. | Ask for it on your amount, currency pair and method, before you confirm. |
| What FX rate is used? | The rate can cost more than the fee. | Ask whether you see a reference rate, a customer rate, or both. This page does not publish a rate. |
| What explicit fee is charged? | A fee can be zero and the transfer can still have a price. | Ask for the fee separately from the exchange rate. |
| Are intermediary fees possible? | A bank in the middle can deduct money. | Ask who bears that charge on this route. |
| How is the transfer funded? | The funding method can change cost and speed. | Ask about bank, card and balance, including any card fee. |
| How does the recipient receive it? | The last step can add time or a fee. | Ask for the exact details the recipient must have. |
| How long is delivery expected to take? | A deadline needs a realistic window. | Ask when it leaves, when it should arrive, and what can delay it. |
| What limits apply? | A limit can split a payment you needed in one go. | Ask about this account and this funding method. |
| What documents are required? | A review can start only after the papers arrive. | Ask before the day you need the money to land. |
| Can the provider support a large payment? | Size changes the process. | Ask about source of funds, timing and whether stages are allowed. |
| What happens if the payment fails? | You need a path back, not only a path out. | Ask how a failed or returned payment is handled. |
| Which legal entity provides the service? | The brand and the firm can differ. | Ask for the entity on the contract and its regulator. |
What is the final amount received?
Why it matters. This is the comparison.
What to check. Ask for it on your amount, currency pair and method, before you confirm.
What FX rate is used?
Why it matters. The rate can cost more than the fee.
What to check. Ask whether you see a reference rate, a customer rate, or both. This page does not publish a rate.
What explicit fee is charged?
Why it matters. A fee can be zero and the transfer can still have a price.
What to check. Ask for the fee separately from the exchange rate.
Are intermediary fees possible?
Why it matters. A bank in the middle can deduct money.
What to check. Ask who bears that charge on this route.
How is the transfer funded?
Why it matters. The funding method can change cost and speed.
What to check. Ask about bank, card and balance, including any card fee.
How does the recipient receive it?
Why it matters. The last step can add time or a fee.
What to check. Ask for the exact details the recipient must have.
How long is delivery expected to take?
Why it matters. A deadline needs a realistic window.
What to check. Ask when it leaves, when it should arrive, and what can delay it.
What limits apply?
Why it matters. A limit can split a payment you needed in one go.
What to check. Ask about this account and this funding method.
What documents are required?
Why it matters. A review can start only after the papers arrive.
What to check. Ask before the day you need the money to land.
Can the provider support a large payment?
Why it matters. Size changes the process.
What to check. Ask about source of funds, timing and whether stages are allowed.
What happens if the payment fails?
Why it matters. You need a path back, not only a path out.
What to check. Ask how a failed or returned payment is handled.
Which legal entity provides the service?
Why it matters. The brand and the firm can differ.
What to check. Ask for the entity on the contract and its regulator.
Due diligence
Questions worth asking before you send money
01What exchange rate will I receive?
Ask to see the rate before you confirm, and whether it can move before the money is sent.
02What is the total fee?
Ask for every explicit fee, not only the headline transfer fee.
03What will the recipient receive?
Ask for this amount on your currency pair and your send amount.
04Are intermediary-bank fees possible?
On some routes a bank in the middle can take a charge. Ask who pays it.
05How long should the transfer take?
Ask for this corridor and this funding method. Treat the answer as an expectation, not a promise.
06What can delay it?
Checks, cut-off times, weekends, holidays and the recipient’s bank can all add time.
07Which payment methods can I use?
Ask which methods are open to you, and what each does to the price and the limit.
08Which recipient methods are available?
Ask how this recipient can be paid, in this country and currency.
09What limits apply?
Ask for the limit on the account you would use, not a general maximum.
10Which documents are required?
Ask before you send, especially if the amount is large or the purpose is a property payment.
11How are large transfers handled?
Ask about review, timing and the documents that explain where the money came from.
12Can I track the payment?
Ask what status you will see, and what reference you can quote to support.
13What happens if the beneficiary details are wrong?
Ask whether the payment can be recalled, and what that costs in time.
14Can the transfer be cancelled?
Ask until which point, and whether the exchange has already happened.
15What happens if it fails?
Ask how the money comes back, in which currency, and which fees remain.
16Which legal entity provides the service?
Ask for the name on the contract, not only the brand.
17Which regulator supervises it?
Ask which authority authorises that entity.
18How are customer funds handled?
Ask whether the firm is a bank or holds customer money another way. This page does not describe a protection scheme.
19What fraud protections are in place?
Ask about checks on a new beneficiary and how you confirm it is you sending the money.
20How do I contact support urgently?
Ask how you reach a person when a payment has a deadline.
Watch for
Potential warning signs
“Zero fee” and no rate
The transfer is described as free, and the exchange rate is not shown before you confirm.
Unclear legal entity
You can see the brand and not the firm that provides the service.
Unclear regulator
The provider will not say which authority supervises the entity you would use.
Pressure to send first
You are urged to pay before the documents or the beneficiary check are done.
Recipient amount hidden
The quote shows a fee and does not show what arrives.
Unclear cancellation
You cannot tell until when a payment can be stopped.
Weak tracking
There is no status, reference, or way to ask where the payment is.
Unexplained intermediary fees
A deduction appears and nobody can say which bank took it.
A vague large-payment process
A property-sized sum has no clear review or document path.
No urgent support
You cannot reach someone when the payment has a deadline.
Beneficiary details unchecked
A new account number is accepted with no prompt to confirm the name.
A warning sign is not automatically a reason to reject a provider. It is a reason to investigate further.
Common situations
Different transfers need different priorities
01
Monthly family support
Look at whether the cost stays understandable each month, whether you can repeat the payment, and how soon it needs to arrive.
02
A property purchase
Look at the amount, the deadline, the documents for the source of funds, and whether the details match the lawyer or agent’s account.
03
Pension income abroad
Look at a repeating conversion, the account that receives it, and whether the amount is predictable enough for bills.
04
A supplier payment
Look at the invoice reference, whether several payments can be approved together, and how you reconcile what left.
05
Funding an investment
Look at the size, the timing, the account details the platform will accept, and any review of where the money came from.
06
Proceeds from selling a business
Look at the documents, coordination with the bank, and how the exchange is set on a large amount. This is a moment to slow down.
Right fit
A specialist provider is not always necessary
Your bank may already price this payment acceptably. The transfer may be small. Convenience may matter more. The recipient may already bank in the same group. You may not be converting a currency at all. The right choice depends on the exact payment, not the provider category.
- The amount is small and convenience matters more than shaving the rate
- Your bank’s quote, on this amount, is acceptable once you see what arrives
- The recipient banks in the same group and the route is simple
- No currency conversion is required
For a larger or more complex transfer, professional advice may be appropriate alongside the provider’s own process.
FAQs
Questions people ask
No. Ask a provider for a quote on the amount you are sending. The FX cost comparison only calculates figures you type in. It is not a quote.
The comparison lists providers and describes published coverage, delivery and support. It does not rank them, publish a live rate, or endorse a firm. WiT Access does not send the money.
Safety depends on the legal entity, its regulator, and how customer funds are held. Being a specialist does not by itself make a firm safer, and being a bank does not by itself make a transfer cheaper.
It is the gap between a reference rate, such as a mid-market rate, and the rate you are offered. The spread can be a larger part of the cost than the transfer fee. This page does not publish a spread.
A provider can charge nothing as a fee and still price the exchange rate. Compare what the recipient receives, not only the word free.
It depends on the route, the funding method, checks, cut-off times and the recipient’s bank. A quoted speed is an expectation. It is not a guarantee. This page does not publish a delivery time.
Some providers can, after checks on the source of the money and the purpose of the payment. Limits and documents vary. Ask before the day the money needs to arrive.
For a larger payment, a provider may ask for identity, address, and papers that explain where the money came from, such as a contract or a completion statement. Ask which documents they currently require.
Sometimes, and often only before it is processed. If the exchange has already happened, or the recipient’s bank has the money, cancellation may no longer be possible. Ask before you send.
Yes. The bank or wallet that receives the money may charge, and a bank in the middle of the route may charge as well. Ask whether your quote includes them.
A bank that handles an international payment between the sender’s side and the recipient’s bank. It may deduct a fee. Not every route uses one.
Compare the quote and the process for your payment. Neither type is automatically cheaper or safer. The amount, the currencies and the deadline decide which questions matter.
Some providers offer a repeating or scheduled payment. Ask about the rate each time, any minimum, and how the fee is shown. Availability depends on the provider and the corridor.
Use the same amount, the same currencies and the same funding method. Compare what the recipient would receive, how long the provider says it may take, and which entity you are dealing with.
Compare money transfer providers
Compare international money transfer providers
Compare global transfer specialists by country coverage, currencies, delivery method, pricing transparency, large-transfer capability and support.
The cheapest-looking quote is not always the lowest-cost transfer. Compare the provider fee, exchange-rate margin, receiving-bank charges and the amount that actually arrives.
The lowest fee is not necessarily the cheapest transfer
A provider can charge a low or zero visible transfer fee while applying a wider exchange-rate margin. Always compare the amount the recipient will actually receive.
Large transfers are different
A transfer for a property purchase, business acquisition, portfolio move or relocation may require additional compliance checks, source-of-funds evidence, transaction planning and specialist support.
What to compare
The transfer price is more than the fee
01
Total cost
Provider fee, plus the exchange-rate margin, plus possible receiving-bank costs.
02
Exchange rate
Compare the rate quoted with a trusted mid-market reference.
03
Coverage
Can the provider send the currencies and corridor you need?
04
Delivery
How does the money arrive?
05
Speed
How long does the transfer normally take?
06
Large transfers
Is the provider set up for property, investment or business-sized payments?
07
Support
Digital-only, or specialist human support?
08
Compliance
What documents may be needed for a large or unusual transfer?
Filter money transfer providers
7 providers listed for comparison.
A reach or country figure describes the published footprint. It does not mean you can send from every country, or that every corridor is open.
- Currencies Direct
Currencies Direct
FX / international transfer specialist
An FX specialist for international bank transfers, including property, investment and business payments, with an account manager.
- Global reach
- High
- Country coverage
- 120+ countries.
- Currencies / corridors
- 40+ currencies.
- How money arrives
- International bank transfers.
Large transfer fit
Very high
Property, investments and business transfers are named use cases.
- Personal transfers
- Personal international transfers are part of the published service.
- Business transfers
- Business transfers, hedging and FX tools, and API partnerships. A hedge is not a guaranteed saving.
- Support model
- Account-manager support, with online and app access.
- Digital / app access
- Online and app.
Pricing transparency
High. Quote-based.
Business transfers
Available
Regulatory / entity note
The regulated entity differs by client location. The service is not a deposit account.
Moneycorp
FX / global payments specialist
An FX and global payments specialist with dealer and relationship support, international bank payments, and property and business use cases.
- Global reach
- High
- Country coverage
- A country count is not stated. The published proposition covers personal and business international payments.
- Currencies / corridors
- 130+ currencies are referenced in partner material.
- How money arrives
- International bank payments.
Large transfer fit
Very high
A dedicated dealer, spot, forward and risk-management tools, and property and business payments are described. A forward is not a guaranteed saving.
- Personal transfers
- Personal international payments are part of the published service.
- Business transfers
- Corporate FX, business payments and risk management. A risk-management tool is not a guaranteed saving.
- Support model
- Dealer and relationship support, alongside an online platform.
- Digital / app access
- Online platform.
Pricing transparency
High. Account and transfer details are published. Quote economics vary by trade.
Business transfers
Available
Regulatory / entity note
Regional Moneycorp entities and permissions vary. The transfer service is not a bank deposit account.
OFX
FX / international transfer specialist
An FX and international transfer specialist for bank-to-bank payments, including larger transfers, with specialist support.
- Global reach
- Very high
- Country coverage
- 170+ countries.
- Currencies / corridors
- 50+ currencies.
- How money arrives
- Bank-to-bank international transfers.
Large transfer fit
Very high
Specialist support, FX planning and large-value transfers are described.
- Personal transfers
- Personal international transfers are part of the published service.
- Business transfers
- Business payments, a global currency account and an FX platform.
- Support model
- Online and app, with 24/7 support and specialist support.
- Digital / app access
- Online and app.
Pricing transparency
High. Pricing and rates are visible at quote. Fee schedules are published.
Business transfers
Available
Regulatory / entity note
Regulated through different entities by market. The regulator and the entity depend on the customer’s jurisdiction.
Remitly
Remittance specialist
A remittance service built around destination coverage and how the recipient is paid. Bank deposit, mobile wallet and other methods depend on the corridor.
- Global reach
- Very high
- Country coverage
- 175+ countries. Latin America, Asia and Africa are named.
- Currencies / corridors
- 100+ currencies are referenced in current partnership materials. That figure is not a confirmed send list for every corridor.
- How money arrives
- Bank deposit, mobile wallet and other corridor-specific options. The method is not the same for every destination.
Large transfer fit
Medium
Consumer remittance is the focus. Bespoke high-net-worth transfer planning is not described.
- Personal transfers
- Consumer remittance is the core proposition.
- Business transfers
- Consumer transfers are the core proposition. Business and platform partnerships are described as growing.
- Support model
- Not separately stated as a dedicated account manager.
- Digital / app access
- App and website. A dedicated account manager is not described.
Pricing transparency
High. Corridor-specific fees and rates are shown before sending.
Business transfers
Not core
Regulatory / entity note
Money-transmission entities and availability vary by sending country and corridor.
- TorFX
TorFX
FX / currency transfer specialist
A currency-transfer specialist with online transfers and specialist or account-management support. Country and currency lists should be checked for the corridor.
- Global reach
- High
- Country coverage
- A country count is not stated. Exact supported countries should be checked for the corridor.
- Currencies / corridors
- Broad major and minor currency support is described. A currency count is not stated. Confirm the current list on the provider site.
- How money arrives
- Online transfers. A mobile wallet or cash payout is not described.
Large transfer fit
Very high
Tailored currency-transfer tools and specialist support are described.
- Personal transfers
- Personal currency transfers are part of the published service.
- Business transfers
- Business and professional-client use cases are described.
- Support model
- Specialist support and account management, alongside online transfers.
- Digital / app access
- Online transfers.
Pricing transparency
High. Quote-based. A partner page says no separate transfer fee is charged. An exchange-rate margin can still apply.
Business transfers
Available
Regulatory / entity note
The regulated entity and the permitted markets should be checked for the customer.
Wise
Global money transfer platform
A digital international transfer and multi-currency payment service. Fees and the exchange rate are shown up front. A dedicated FX dealer is not described.
- Global reach
- Very high
- Country coverage
- A country count is not stated. Sending is described across 45+ currencies, and account or card coverage varies by country.
- Currencies / corridors
- 45+ transfer currencies. The Wise account can hold 40+ currencies. Holding a currency is not the same as sending it.
- How money arrives
- Bank transfers and local payment rails. Funding and delivery vary by corridor.
Large transfer fit
High
Suitability for larger amounts is described as high. A dedicated dealer, forward contract or high-net-worth treasury service is not described.
- Personal transfers
- Personal international transfers are part of the published service.
- Business transfers
- Wise Business, with batch payments and an API. A dedicated dealer or forward contract is not described.
- Support model
- Digital-first. A dedicated dealer is not described.
- Digital / app access
- App and website.
Pricing transparency
Very high. Upfront fees and exchange-rate information are shown.
Business transfers
Available
Regulatory / entity note
Payment / e-money provider, not a bank. The entity, safeguarding and availability depend on the customer’s country.
Xe
FX / international transfer specialist
An FX and international transfer specialist, with bank transfers, assisted support and a business payments service.
- Global reach
- Very high
- Country coverage
- 190+ countries.
- Currencies / corridors
- 130+ currencies are referenced on consumer and global transfer pages.
- How money arrives
- Bank transfer and other region-specific funding methods.
Large transfer fit
Very high
Large transfers and assisted service are described. Business-wire examples refer to high daily limits. A specific limit is not stated.
- Personal transfers
- Personal international transfers are part of the published service.
- Business transfers
- Business payments, FX risk management, multi-currency accounts and integrations.
- Support model
- Online and app, plus assisted support.
- Digital / app access
- Online and app.
Pricing transparency
High. Quote-based. Public transfer information is also published.
Business transfers
Available
Regulatory / entity note
The service is delivered by regional Xe and HiFX entities. Permissions depend on the customer’s region.
Different transfer providers solve different problems
Global transfer platform
A fast digital international transfer service for broad everyday use.
Remittance specialist
Strong corridor coverage and destination payment methods.
FX specialist
A currency-transfer specialist with assisted service and larger-transfer capability.
Assisted large-transfer provider
Designed for property, relocation, investment or business-sized transfers.
The right category depends on the size, destination and complexity of the transfer.
Compare money transfer providers
Compare coverage, delivery and how pricing is shown. Open a provider for business payments, support and the longer notes.
| Provider | Type | Reach | Countries | Currencies | Delivery | Large transfers | Pricing | View |
|---|---|---|---|---|---|---|---|---|
Currencies Direct Currencies Direct | FX / international transfer specialist | High | 120+ countries. | 40+ currencies. | International bank transfers. | Very high | Quote-based. | View |
| FX / global payments specialist | High | A country count is not stated | 130+ currencies are referenced in partner material | International bank payments. | Very high | Account and transfer details are published | View |
| FX / international transfer specialist | Very high | 170+ countries. | 50+ currencies. | Bank-to-bank international transfers. | Very high | Pricing and rates are visible at quote | View |
| Remittance specialist | Very high | 175+ countries. Latin America | 100+ currencies are referenced in current | Bank deposit | Medium | Corridor-specific fees and rates are | View |
TorFX TorFX | FX / currency transfer specialist | High | A country count is not stated | Broad major and minor currency support is described | Online transfers | Very high | Quote-based | View |
| Global money transfer platform | Very high | A country count is not stated | 45+ transfer currencies | Bank transfers and local payment rails | High | Upfront fees and exchange-rate | View |
| FX / international transfer specialist | Very high | 190+ countries. | 130+ currencies are referenced on consumer | Bank transfer and other region-specific | Very high | Quote-based | View |
| Provider | Type | Countries | Large transfers | Pricing | View |
|---|---|---|---|---|---|
Currencies Direct Currencies Direct | FX / international transfer specialist | 120+ countries. | Very high | Quote-based. | View |
| FX / global payments specialist | A country count is not stated | Very high | Account and transfer details are published | View |
| FX / international transfer specialist | 170+ countries. | Very high | Pricing and rates are visible at quote | View |
| Remittance specialist | 175+ countries. Latin America | Medium | Corridor-specific fees and rates are | View |
TorFX TorFX | FX / currency transfer specialist | A country count is not stated | Very high | Quote-based | View |
| Global money transfer platform | A country count is not stated | High | Upfront fees and exchange-rate | View |
| FX / international transfer specialist | 190+ countries. | Very high | Quote-based | View |
Currencies Direct
FX / international transfer specialist
- Countries
- 120+ countries.
- Currencies
- 40+ currencies.
- Delivery
- International bank transfers.
- Large transfers
- Very high
- Pricing
- Quote-based.
Moneycorp
FX / global payments specialist
- Countries
- A country count is not stated
- Currencies
- 130+ currencies are referenced in partner material
- Delivery
- International bank payments.
- Large transfers
- Very high
- Pricing
- Account and transfer details are published
OFX
FX / international transfer specialist
- Countries
- 170+ countries.
- Currencies
- 50+ currencies.
- Delivery
- Bank-to-bank international transfers.
- Large transfers
- Very high
- Pricing
- Pricing and rates are visible at quote
Remitly
Remittance specialist
- Countries
- 175+ countries. Latin America
- Currencies
- 100+ currencies are referenced in current
- Delivery
- Bank deposit
- Large transfers
- Medium
- Pricing
- Corridor-specific fees and rates are
- Countries
- A country count is not stated
- Currencies
- Broad major and minor currency support is described
- Delivery
- Online transfers
- Large transfers
- Very high
- Pricing
- Quote-based
Wise
Global money transfer platform
- Countries
- A country count is not stated
- Currencies
- 45+ transfer currencies
- Delivery
- Bank transfers and local payment rails
- Large transfers
- High
- Pricing
- Upfront fees and exchange-rate
Xe
FX / international transfer specialist
- Countries
- 190+ countries.
- Currencies
- 130+ currencies are referenced on consumer
- Delivery
- Bank transfer and other region-specific
- Large transfers
- Very high
- Pricing
- Quote-based
WiT Access provides general information and comparison resources. Transfer fees, exchange rates, supported countries, currencies and delivery options vary by provider and transaction. Nothing on this page constitutes financial, tax or legal advice.
A provider shown here is not necessarily available in your country or for your intended transfer.
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WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, tax, legal or investment advice. Transfer fees, exchange rates, delivery times, limits, regulatory status and service availability vary by provider, payment route and jurisdiction.