ST
Starling BankLocal bank networkRecheck with provider
1.16672Fee £1.10
€232.06Comparable completed bank-transfer quote
Open receipt16 Sept 2026, 10:01 UTC
Independent UK rate checks A fresh sweep every day
The rate looks decent.
What actually arrives?
We put the same £200 transfer through public provider calculators, then compare the amount at the other end. Each result keeps its dated screenshot. You can inspect the quote rather than taking our word for it.
✓ Visible fees counted✓ Introductory offers kept apart✓ Previous checks left on file
A fairer way to compare the quoteSame amount Same payment route Short checking window Proof kept
LATEST CHECK
See every provider and receipt →What £200.00 buys in Spain today
A completed transfer quote can win. A currency converter cannot.
CompanyRate and visible feeWhat arrivesOur receipt
AM
Atlantic MoneyBy 2026-09-18Recheck with provider
1.16717Fee £3.00
€229.94Comparable completed bank-transfer quote
Open receipt16 Sept 2026, 10:01 UTC
XE
XeNot a transfer quoteRecheck with provider
Best Rated1.16711Fee £0.00
€233.42Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
Xe mid-market reference only. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
TS
Taptap SendCheck providerRecheck with provider
1.167Fee £0.00
€233.40Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
Public destination calculator. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
IR
InstaremCheck providerRecheck with provider
1.1626Fee £0.00
€232.52Promotional quote, not ranked
Open receipt16 Sept 2026, 10:01 UTC
First-transfer Instarem offer. We keep the receipt, but a price available only to selected customers cannot win the standard table.
WI
WiseWise estimate PT1SRecheck with provider
1.16707Fee £1.18
€232.04Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
MO
MoneseCheck providerRecheck with provider
1.16666Fee £4.00
€228.67Calculator evidence only
Open receipt16 Sept 2026, 09:20 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
WU
Western UnionCheck providerRecheck with provider
1.15366Fee £1.99
€228.44Calculator evidence only
Open receipt16 Sept 2026, 09:22 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
RBS
RBSCheck providerRecheck with provider
1.1393Fee £0.00
€227.86Calculator evidence only
Open receipt16 Sept 2026, 09:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NW
NatWestCheck providerRecheck with provider
1.1393Fee £0.00
€227.86Calculator evidence only
Open receipt16 Sept 2026, 09:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWB
NatWest BusinessSEPA paymentRecheck with provider
1.13593Fee £0.50
€226.62Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
Business Current Account public indicative rate plus published payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
SK
SkrillCheck providerRecheck with provider
1.11157Fee £0.00
€222.31Calculator evidence only
Open receipt16 Sept 2026, 09:31 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
OFX
OFXCheck providerRecheck with provider
1.14586Fee £7.00
€221.15Calculator evidence only
Open receipt16 Sept 2026, 09:21 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWD
NationwideCheck providerRecheck with provider
1.14026Fee £15.00
€210.95Calculator evidence only
Open receipt16 Sept 2026, 09:20 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
LB
Lloyds Bank BusinessOnline international paymentRecheck with provider
1.13812Fee £15.00
€210.55Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
ECB reference rate less Lloyds' published 2.60% margin, plus £15 online fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
SAN
Santander UKInternational paymentRecheck with provider
1.13344Fee £25.00
€198.35Calculator evidence only
Open receipt16 Sept 2026, 10:01 UTC
ECB reference rate less Santander's published 3% markup, plus £25 payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
CF
CurrencyFairNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
RIA
Ria Money TransferThe bank-funded public journey did not complete
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
TG
TransferGoNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
SX
SingXNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
RM
RemitlyNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
RE
RevolutNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
HSBC
HSBC UKHSBC shows the transferable customer rate only after sign-in or inside its app
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
BarclaysBarclays reveals the final rate inside the authenticated payment journey
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
PP
PayPalNo current comparison estimate was captured for this route
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
AS
Asda MoneyNo current comparison estimate was captured for this route
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
PS
PaysendNo usable public quote in this sweep
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
WR
WorldRemitThe public calculator asked this checking session for human verification
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
ACE
ACE Money TransferThe provider blocked automated collection of the public quote
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
PF
ProfeeWe could not reproduce a bank-funded quote on this route
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
XM
XoomA bank-funded public quote was not available outside the PayPal journey
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
OR
OrbitRemitThe provider's public verification step blocked this collection
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
MG
MoneyGramThe estimator required a human-verification session
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
LF
LemFiThe public calculator was visible, but the provider blocked automated receipt collection
Not availableNo rate to compare
Not quotedCannot take part in the price ranking
No receiptThe public journey failed or was unsupported
A provider button may earn us money. The receipt link does not; it opens the evidence we stored independently.
Every published figure has a stored capture behind it. We show indicative rates, but they stay out of the cheapest-rate claim.
THE CHECKING DESK
Read how a quote qualifies →Enough detail to catch a flattering rate
Use one ordinary transfer
New UK checks start with £200 sent from a bank account to another bank account. Historic records keep the amount used at the time.
Keep the checkout screen
We record the rate and fee, plus what reaches the recipient. The payment route and time sit beside the captured provider screen.
Replace the headline, keep the history
The newest successful check becomes current. Yesterday's quote stays in the archive, where an inconvenient old result belongs.
ORIGINAL UK RESEARCH
Cash collection costs about £2.10 more on a £200 transfer
That is roughly the price of a supermarket loaf, added because the recipient needs notes in hand. Our study compares like-for-like delivery and sets 791 UK service records against financial access data for 33 destinations.
Read the figures and the awkward bits →£10.23 average cash service cost per £200£4.79 average account delivery cost per £20017 tightly matched cash and account offers33 destinations with access context
PUBLISHED COMPARISONS
Sending pounds abroad
Reviewed GBP routes with a stable place in our public index.
GBESUnited Kingdom to SpainGBP → EUR→GBFRUnited Kingdom to FranceGBP → EUR→GBDEUnited Kingdom to GermanyGBP → EUR→GBIEUnited Kingdom to IrelandGBP → EUR→GBITUnited Kingdom to ItalyGBP → EUR→GBNLUnited Kingdom to NetherlandsGBP → EUR→GBPTUnited Kingdom to PortugalGBP → EUR→GBPLUnited Kingdom to PolandGBP → PLN→GBUSUnited Kingdom to United StatesGBP → USD→GBCAUnited Kingdom to CanadaGBP → CAD→GBAUUnited Kingdom to AustraliaGBP → AUD→
We monitor more inbound and international routes too. Use the route finder above to inspect them while their comparison evidence is still being reviewed for publication.
WHO IS BEHIND THIS
A rate table should have names attached to it
Finofin Limited
Finofin publishes OnlineMoneyTransfer.co.uk and has worked on financial comparison sites since 2015. Its longer-running Money Transfer Comparison project began in 2014.
Editorial responsibility
Meet the people checking the claims →Alon Rajic leads the research operation. Russell Gous runs the written side, drawing on earlier roles at Barclays Corporate Banking and WorldFirst.