A pleasant app does not rescue an expensive exchange rate

Xe has the reach and support to handle far more than a routine £200 payment. Its public converter is useful, though it is not the rate a customer can necessarily book, a distinction the glossy chart leaves rather quiet.

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Latest rate receipt

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Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.

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CurrencyFair is a credible bank-transfer specialist that publishes a typical exchange margin, which is more candour than most brokers manage. The flat transfer-out fee still needs adding to the rate cost.

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Atlantic Money charges £3 rather than taking a percentage, and says it adds no exchange-rate markup. That is fairly ordinary on £200 but difficult to ignore on £20,000, provided the route is actually supported.

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Remitly earns its place through local delivery, including cash and mobile wallets. The welcome rate can look splendid on the first screen, so we keep it away from the repeat-customer comparison.

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WorldRemit is useful when the recipient needs cash or mobile money rather than another bank account. Change the payout method and the price can change with it, so the exact delivery choice belongs in the quote.

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OFX is better suited to a property payment or business transfer than a quick £200 remittance. Human support is useful, though the executable rate usually sits behind registration rather than on the public page.

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Paysend makes the visible charge pleasantly simple on many routes. The exchange rate still does some of the charging, so two identical £1 fees can leave the recipient with different amounts.

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TransferGo is a useful UK and European service with published starting prices and a modest multi-currency account. “From” remains the operative word because speed and payout method decide the final bill.

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Taptap Send is built for particular migrant routes rather than universal currency coverage. Many transfers show no separate fee, leaving the exchange rate to do the commercial work.

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Instarem has a serious Asia-Pacific footprint and useful business features. Its published fees start low, but the exchange margin and payment method still decide whether the recipient gets a good deal.

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SingX separates its transaction fee from a rate it says carries no markup. The disclosure is admirably plain, though the service is most relevant to customers sending from its licensed Asian markets.

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Xoom adds cash and bank delivery to a PayPal-linked remittance service. The final price depends heavily on how the customer pays and how the recipient collects, so zero-fee examples need reading carefully.

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Profee can price European card and account routes keenly. Some of those journeys do not match a UK-funded bank transfer, so we compare it only where the sending market and payout method line up.

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ACE has useful depth on South Asian remittance routes, where local payout partners matter. Its public calculator often blocks automated collection, so an unproven rate stays off the table.

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OrbitRemit is a recognised Australasian specialist and belongs on those regional routes. Its products are far less relevant to a customer funding the transfer from Britain.

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Asda Money is a familiar name attached to several partner products. A travel-cash rate is not an international bank transfer, and we refuse to make the two look comparable for the sake of a fuller table.

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NALA deserves consideration for UK payments to supported African and Asian destinations. Its public rate data lacks transfer fees and funding or payout conditions, so it cannot yet supply a complete price for our rankings.

Collection method

No complete calculator quote

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MoneyFex's public calculator returns rates, fees and recipient amounts for supported routes. We report these as indicative estimates: funding is not selected at this stage, so they do not qualify for our cheapest-provider rankings.

Collection method

Collector tested · daily collection not enabled

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Latest rate receipt

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Remit Choice offers useful funding and payout choices for UK remittances. Its public calculator makes price checking possible, but first-transfer offers need separating from the cost a returning customer pays.

Collection method

No complete calculator quote

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No fresh capture

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Latest rate receipt

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Currencies Direct suits people who want help arranging property, relocation or regular overseas payments. Its customer rate requires an account or individual quote, so public market information cannot establish its position in a daily price ranking.

Collection method

Review only · account quote required

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No fresh capture

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Latest rate receipt

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TorFX combines account-manager support with online transfers and tools for planned payments. Its own help page says public website rates are indicative interbank rates, so a customer quote is essential before judging value.

Collection method

Review only · account quote required

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Latest rate receipt

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Moneycorp offers online transfers and dealer support for people managing money across countries. Its published online fee policy is clear, but the customer exchange rate requires an account or individual quote before a cost comparison is meaningful.

Collection method

Review only · account quote required

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Western Union can still put cash within reach almost anywhere. That network has a price, and the figure changes between online and agent transfers, making a generic “low fee” claim about as useful as it sounds.

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Ria combines a large cash network with a public calculator that exposes more than many rivals. Its shop counter and online journey carry different costs, so they should never be folded into one convenient headline.

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MoneyGram can solve a cash-payout problem that a cheaper bank service cannot touch. Its public quote journey is inconsistent, however, so we leave the rate blank when the calculator will not complete.

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Revolut can be very good value for an existing customer exchanging within the plan allowance. Go beyond that allowance, or exchange at the weekend, and the apparently simple price develops rather more moving parts.

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LemFi combines migrant banking with strong African remittance routes. Many transfers carry no separate fee, which makes the customer exchange rate the part worth staring at.

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PayPal solves a familiar-account problem, particularly for merchants. Its currency conversion can be expensive, and moving the balance into a bank account may add another step after the apparent transfer is finished.

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Monese is an account for people living across borders rather than a standalone transfer tool. Any fair price comparison must decide how much of the monthly subscription belongs to the payment.

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Skrill remains useful where both sides already use the wallet. Funding and conversion can each carry a charge, which makes a plain bank-transfer specialist the more revealing price comparison.

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Starling is unusually straight with UK customers: a 0.4% conversion charge sits beside the delivery fee. That does not always make it cheapest, but it does spare customers the usual bank-rate archaeology.

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NatWest Business keeps permissions and payment records inside Bankline, which has genuine value. Its £15 payment fee swallows 7.5% of a £200 transfer before the exchange-rate margin gets involved.

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Lloyds deserves credit for printing the number. Its standard 2.60% margin on outbound business payments up to £25,000 is still a bit steep beside many specialist quotes.

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Santander publishes a 3% business FX markup up to £10,000, falling to 1% above £50,000. The transparency is welcome; the smaller-transfer price is not exactly a bargain.

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HSBC has useful global accounts and broad bank infrastructure. A standard international payment still combines a visible charge with a signed-in customer rate, so the fee table tells only part of the story.

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Barclays is convenient when the money is already in the account and the beneficiary is saved. The transferable rate sits inside the payment journey and can leave less currency than a specialist quote.

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NatWest is easy for an existing current-account customer. The exchange rate usually costs more than the visible transfer charge, so convenience should be priced rather than assumed free.

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RBS offers the familiar benefit of paying from an existing bank account. Its useful rate appears inside the authenticated journey, which makes a second specialist quote worth the small faff.

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Nationwide gives members a familiar bank route, but its published foreign-exchange information is not a completed transfer quote. The amount arriving in the beneficiary account remains the figure to compare.

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