Research›Weekly evidence
DATED PROVIDER EVIDENCE · £200 UK TRANSFERS

Weekly UK transfer-cost evidence: week ending 18 Oct 2026

Compare the saved offers for Spain, the United States, India, Pakistan and the Philippines. Each destination keeps its own currency, sample size and receipts.

Observation week: 12 Oct 2026 to 18 Oct 2026 (UTC). Historical evidence; these are not today's prices.

553provider-day records
35 / 35route-days with evidence
14 / 35route-days passing comparison checks
GBP → EUR

Sending £200 to Spain

See latest provider results →

Across 7 comparable days, the median gap between the highest and lowest observed recipient amounts was 0.93%. We retained 114 provider-day records across 7 of the seven days.

Daily evidence and recipient-amount range
UTC dayRecords / qualifyingObserved payout rangeGap
12 Oct 202617 / 2€232.72 to €233.92Highest observed: Starling Bank · checks within 1 minutes0.51%
13 Oct 202617 / 2€233.20 to €235.38Highest observed: Starling Bank · checks within 1 minutes0.93%
14 Oct 202614 / 2€233.15 to €235.33Highest observed: Starling Bank · checks within 1 minutes0.93%
15 Oct 202617 / 2€232.62 to €234.80Highest observed: Starling Bank · checks within 1 minutes0.93%
16 Oct 202616 / 2€233.18 to €235.36Highest observed: Starling Bank · checks within 1 minutes0.93%
17 Oct 202617 / 2€233.43 to €234.67Highest observed: Starling Bank · checks within 1 minutes0.53%
18 Oct 202616 / 2€233.43 to €234.67Highest observed: Starling Bank · checks within 1 minutes0.53%

The gap is relative to the highest observed payout. It is not an exchange-rate markup or a whole-market saving. A provider must qualify for the day and the set of qualifying checks must fall within one hour.

Inspect providers and source receipts (17 providers)
Observation coverage during this week
ProviderDays observedDays qualifyingLatest receipt in week
Atlantic Money7 / 77 / 718 Oct 2026 · verified
Instarem7 / 70 / 718 Oct 2026 · indicative
Lloyds Bank Business7 / 70 / 718 Oct 2026 · indicative
Monese7 / 70 / 718 Oct 2026 · indicative
Nationwide5 / 70 / 717 Oct 2026 · indicative
NatWest6 / 70 / 718 Oct 2026 · indicative
NatWest Business7 / 70 / 718 Oct 2026 · indicative
OFX7 / 70 / 718 Oct 2026 · indicative
RBS6 / 70 / 718 Oct 2026 · indicative
Santander UK7 / 70 / 718 Oct 2026 · indicative
Skrill6 / 70 / 718 Oct 2026 · indicative
Starling Bank7 / 77 / 718 Oct 2026 · verified
Taptap Send7 / 70 / 718 Oct 2026 · indicative
Western Union7 / 70 / 718 Oct 2026 · indicative
Wise7 / 70 / 718 Oct 2026 · indicative
Xe7 / 70 / 718 Oct 2026 · indicative
Xoom7 / 70 / 718 Oct 2026 · indicative
12 Oct 2026: open 17 source receipts
13 Oct 2026: open 17 source receipts
14 Oct 2026: open 14 source receipts
15 Oct 2026: open 17 source receipts
16 Oct 2026: open 16 source receipts
17 Oct 2026: open 17 source receipts
18 Oct 2026: open 16 source receipts
GBP → USD

Sending £200 to United States

See latest provider results →

Across 7 comparable days, the median gap between the highest and lowest observed recipient amounts was 0.94%. We retained 129 provider-day records across 7 of the seven days.

Daily evidence and recipient-amount range
UTC dayRecords / qualifyingObserved payout rangeGap
12 Oct 202617 / 2US$260.92 to US$262.07Highest observed: Starling Bank · checks within 1 minutes0.44%
13 Oct 202623 / 2US$260.16 to US$262.63Highest observed: Starling Bank · checks within 1 minutes0.94%
14 Oct 202614 / 2US$261.19 to US$263.68Highest observed: Starling Bank · checks within 1 minutes0.94%
15 Oct 202618 / 2US$260.89 to US$263.38Highest observed: Starling Bank · checks within 1 minutes0.95%
16 Oct 202621 / 2US$261.45 to US$263.92Highest observed: Starling Bank · checks within 1 minutes0.94%
17 Oct 202618 / 2US$262.46 to US$263.58Highest observed: Starling Bank · checks within 1 minutes0.42%
18 Oct 202618 / 2US$262.46 to US$263.58Highest observed: Starling Bank · checks within 1 minutes0.42%

The gap is relative to the highest observed payout. It is not an exchange-rate markup or a whole-market saving. A provider must qualify for the day and the set of qualifying checks must fall within one hour.

Inspect providers and source receipts (23 providers)
Observation coverage during this week
ProviderDays observedDays qualifyingLatest receipt in week
Atlantic Money7 / 77 / 718 Oct 2026 · verified
Barclays2 / 70 / 716 Oct 2026 · indicative
HSBC2 / 70 / 716 Oct 2026 · indicative
Instarem7 / 70 / 718 Oct 2026 · indicative
Lloyds2 / 70 / 716 Oct 2026 · indicative
Lloyds Bank Business7 / 70 / 718 Oct 2026 · indicative
Monese7 / 70 / 718 Oct 2026 · indicative
Moneygram4 / 70 / 718 Oct 2026 · indicative
Nationwide5 / 70 / 717 Oct 2026 · indicative
NatWest6 / 70 / 718 Oct 2026 · indicative
NatWest Business7 / 70 / 718 Oct 2026 · indicative
OFX7 / 70 / 718 Oct 2026 · indicative
PayPal5 / 70 / 718 Oct 2026 · indicative
RBS6 / 70 / 718 Oct 2026 · indicative
Remitly5 / 70 / 718 Oct 2026 · indicative
Santander UK7 / 70 / 718 Oct 2026 · indicative
Skrill6 / 70 / 718 Oct 2026 · indicative
Starling Bank7 / 77 / 718 Oct 2026 · verified
Western Union7 / 70 / 718 Oct 2026 · indicative
Wise7 / 70 / 718 Oct 2026 · indicative
WorldRemit2 / 70 / 716 Oct 2026 · indicative
Xe7 / 70 / 718 Oct 2026 · indicative
Xoom7 / 70 / 718 Oct 2026 · indicative
12 Oct 2026: open 17 source receipts
13 Oct 2026: open 23 source receipts
14 Oct 2026: open 14 source receipts
15 Oct 2026: open 18 source receipts
16 Oct 2026: open 21 source receipts
17 Oct 2026: open 18 source receipts
18 Oct 2026: open 18 source receipts
GBP → INR

Sending £200 to India

See latest provider results →

The saved evidence does not support a daily price comparison for this week. We retained 124 provider-day records across 7 of seven days; the table below explains which comparison checks were not met.

Daily evidence and recipient-amount range
UTC dayRecords / qualifyingObserved payout rangeGap
12 Oct 202616 / 0Fewer than two qualifying providers—
13 Oct 202622 / 1Fewer than two qualifying providers—
14 Oct 202613 / 1Fewer than two qualifying providers—
15 Oct 202617 / 0Fewer than two qualifying providers—
16 Oct 202621 / 1Fewer than two qualifying providers—
17 Oct 202618 / 1Fewer than two qualifying providers—
18 Oct 202617 / 1Fewer than two qualifying providers—

The gap is relative to the highest observed payout. It is not an exchange-rate markup or a whole-market saving. A provider must qualify for the day and the set of qualifying checks must fall within one hour.

Inspect providers and source receipts (22 providers)
Observation coverage during this week
ProviderDays observedDays qualifyingLatest receipt in week
Barclays2 / 70 / 716 Oct 2026 · indicative
HSBC2 / 70 / 716 Oct 2026 · indicative
Instarem7 / 70 / 718 Oct 2026 · indicative
Lloyds2 / 70 / 716 Oct 2026 · indicative
Lloyds Bank Business7 / 70 / 718 Oct 2026 · indicative
Monese7 / 70 / 718 Oct 2026 · indicative
Nationwide5 / 70 / 717 Oct 2026 · indicative
NatWest6 / 70 / 718 Oct 2026 · indicative
NatWest Business7 / 70 / 718 Oct 2026 · indicative
OFX7 / 70 / 718 Oct 2026 · indicative
PayPal6 / 70 / 718 Oct 2026 · indicative
RBS6 / 70 / 718 Oct 2026 · indicative
Remitly5 / 70 / 718 Oct 2026 · indicative
Santander UK7 / 70 / 718 Oct 2026 · indicative
Skrill6 / 70 / 718 Oct 2026 · indicative
Taptap Send7 / 70 / 718 Oct 2026 · indicative
TransferGo5 / 75 / 718 Oct 2026 · verified
Western Union7 / 70 / 718 Oct 2026 · indicative
Wise7 / 70 / 718 Oct 2026 · indicative
WorldRemit2 / 70 / 716 Oct 2026 · indicative
Xe7 / 70 / 718 Oct 2026 · indicative
Xoom7 / 70 / 718 Oct 2026 · indicative
12 Oct 2026: open 16 source receipts
13 Oct 2026: open 22 source receipts
14 Oct 2026: open 13 source receipts
15 Oct 2026: open 17 source receipts
16 Oct 2026: open 21 source receipts
17 Oct 2026: open 18 source receipts
18 Oct 2026: open 17 source receipts
GBP → PKR

Sending £200 to Pakistan

See latest provider results →

The saved evidence does not support a daily price comparison for this week. We retained 79 provider-day records across 7 of seven days; the table below explains which comparison checks were not met.

Daily evidence and recipient-amount range
UTC dayRecords / qualifyingObserved payout rangeGap
12 Oct 202611 / 0Fewer than two qualifying providers—
13 Oct 202613 / 0Fewer than two qualifying providers—
14 Oct 202610 / 0Fewer than two qualifying providers—
15 Oct 202611 / 0Fewer than two qualifying providers—
16 Oct 202611 / 0Fewer than two qualifying providers—
17 Oct 202612 / 0Fewer than two qualifying providers—
18 Oct 202611 / 0Fewer than two qualifying providers—

The gap is relative to the highest observed payout. It is not an exchange-rate markup or a whole-market saving. A provider must qualify for the day and the set of qualifying checks must fall within one hour.

Inspect providers and source receipts (13 providers)
Observation coverage during this week
ProviderDays observedDays qualifyingLatest receipt in week
Instarem7 / 70 / 718 Oct 2026 · indicative
Moneygram5 / 70 / 718 Oct 2026 · indicative
Nationwide5 / 70 / 717 Oct 2026 · indicative
NatWest Business7 / 70 / 718 Oct 2026 · indicative
OFX7 / 70 / 718 Oct 2026 · indicative
Remitly5 / 70 / 718 Oct 2026 · indicative
Skrill6 / 70 / 718 Oct 2026 · indicative
Taptap Send7 / 70 / 718 Oct 2026 · indicative
Western Union7 / 70 / 718 Oct 2026 · indicative
Wise7 / 70 / 718 Oct 2026 · indicative
WorldRemit2 / 70 / 716 Oct 2026 · indicative
Xe7 / 70 / 718 Oct 2026 · indicative
Xoom7 / 70 / 718 Oct 2026 · indicative
12 Oct 2026: open 11 source receipts
13 Oct 2026: open 13 source receipts
14 Oct 2026: open 10 source receipts
15 Oct 2026: open 11 source receipts
16 Oct 2026: open 11 source receipts
17 Oct 2026: open 12 source receipts
18 Oct 2026: open 11 source receipts
GBP → PHP

Sending £200 to Philippines

See latest provider results →

The saved evidence does not support a daily price comparison for this week. We retained 107 provider-day records across 7 of seven days; the table below explains which comparison checks were not met.

Daily evidence and recipient-amount range
UTC dayRecords / qualifyingObserved payout rangeGap
12 Oct 202614 / 0Fewer than two qualifying providers—
13 Oct 202619 / 0Fewer than two qualifying providers—
14 Oct 202612 / 0Fewer than two qualifying providers—
15 Oct 202615 / 0Fewer than two qualifying providers—
16 Oct 202617 / 0Fewer than two qualifying providers—
17 Oct 202615 / 0Fewer than two qualifying providers—
18 Oct 202615 / 0Fewer than two qualifying providers—

The gap is relative to the highest observed payout. It is not an exchange-rate markup or a whole-market saving. A provider must qualify for the day and the set of qualifying checks must fall within one hour.

Inspect providers and source receipts (19 providers)
Observation coverage during this week
ProviderDays observedDays qualifyingLatest receipt in week
Barclays2 / 70 / 716 Oct 2026 · indicative
HSBC2 / 70 / 716 Oct 2026 · indicative
Instarem7 / 70 / 718 Oct 2026 · indicative
Lloyds Bank Business7 / 70 / 718 Oct 2026 · indicative
Monese7 / 70 / 718 Oct 2026 · indicative
Moneygram3 / 70 / 718 Oct 2026 · indicative
Nationwide5 / 70 / 717 Oct 2026 · indicative
NatWest Business7 / 70 / 718 Oct 2026 · indicative
OFX7 / 70 / 718 Oct 2026 · indicative
PayPal5 / 70 / 718 Oct 2026 · indicative
Remitly5 / 70 / 718 Oct 2026 · indicative
Santander UK7 / 70 / 718 Oct 2026 · indicative
Skrill6 / 70 / 718 Oct 2026 · indicative
Taptap Send7 / 70 / 718 Oct 2026 · indicative
Western Union7 / 70 / 718 Oct 2026 · indicative
Wise7 / 70 / 718 Oct 2026 · indicative
WorldRemit2 / 70 / 716 Oct 2026 · indicative
Xe7 / 70 / 718 Oct 2026 · indicative
Xoom7 / 70 / 718 Oct 2026 · indicative
12 Oct 2026: open 14 source receipts
13 Oct 2026: open 19 source receipts
14 Oct 2026: open 12 source receipts
15 Oct 2026: open 15 source receipts
16 Oct 2026: open 17 source receipts
17 Oct 2026: open 15 source receipts
18 Oct 2026: open 15 source receipts
HOW TO READ THE FIGURES

One transfer case, seven separate daily comparisons

We use the latest usable matching receipt for each provider, route and UTC day. The transfer case is £200 funded by bank transfer and paid into a bank account. Records must match the route, currencies and amount. Invalid records are excluded.

A qualifying observation is stored as verified and non-promotional. Calculator estimates, introductory offers and other payment methods remain visible in the evidence but cannot set the daily payout range. If a later indicative result replaces an earlier verified result on the same day, we keep the later result; we do not revive the more favourable earlier evidence.

We compare a day only when it has at least two qualifying providers and all their final checks fall within 60 minutes. Rates can still move inside that window. Superseded receipts are assessed for the day they were captured, so an old receipt can support a historical comparison without becoming a current quote.

The daily gap is 100 × (highest payout − lowest payout) ÷ highest payout. The weekly figure is the median of the qualifying daily gaps, with the number of comparable days stated beside it. We do not combine nominal payouts in different currencies or infer a fee against a mid-market rate from this gap.

Coverage depends on which public provider sources could be checked and retained. A missing result does not show that a provider is unavailable or expensive. Fees, eligibility and the final checkout price can change; use the latest route page before making a transfer. The original receipts describe the evidence source, including any published-rate or fee-schedule inputs.

Dated editions are reconstructed from the retained archive. Corrections or invalidated receipts can change an edition. When citing a number, retain the downloaded data and state the date accessed.

Cite this report

Online Money Transfer, Finofin Limited. Weekly UK transfer-cost evidence: week ending 18 Oct 2026. Observation period ends 2026-10-18. https://onlinemoneytransfer.co.uk/research/weekly-transfer-costs/2026-10-18. Accessed 22 Oct 2026.

Quote the destination and number of comparable days with any median gap. Link to the dated edition and its source receipts.

Available weekly editions

RESEARCH TEAM

The names attached to this work

The checking desk produces the rate records. Finofin Limited is responsible for the published explanations and for correcting them when the evidence changes.

AR
Alon RajicPublisher and research leadBackground and responsibilities →
RG
Russell GousHead of contentBackground and responsibilities →