What Paysend has shown on monitored routes
A win requires a completed, non-promotional quote at the same sending amount. Converter rates and modelled bank prices remain useful evidence, though neither is allowed to wear the winner's badge.
Where Paysend makes sense
- Best for
- Small digital transfers, especially card-to-card or card-to-bank routes supported by Paysend.
- Less suitable for
- Large transfers where a percentage difference in the exchange rate dominates the fixed fee.
- Where the rate cost sits
- Paysend includes an exchange-rate margin on currency conversion and displays the route rate before confirmation.
- What the fee tells you
- A low fixed transfer fee that varies by sending country and delivery method. Promotions can reduce it.
- Delivery
- Many card transfers are advertised as arriving within minutes, subject to the route, recipient bank and checks.
- Access
- App and web transfer service with bank, card and selected wallet delivery.
How Paysend's quote can flatter or disappoint
Paysend's fixed fee is easy to understand, which is useful for a £200 transfer. It also makes the exchange-rate comparison more important. Two providers can both charge £1 and produce different recipient amounts because their conversion rates differ.
Card-to-card delivery can be faster and easier than entering a full bank instruction, but it is a different product from a bank-funded transfer. Funding-bank charges and recipient-card rules can affect the result beyond Paysend's displayed fee.
Paysend should be tested against TransferGo and the remittance specialists on the exact destination. For larger payments, Wise, Atlantic Money or a broker may deserve more attention because a small rate difference becomes worth more than the convenience of a fixed fee.
Where it works well
- Predictable fixed fee
- Fast card delivery on supported routes
- Useful public route calculator
Where the value thins out
- The fixed fee is not the full FX cost
- Card or recipient-bank charges can apply
- Not designed for negotiated large-transfer pricing
The latest Paysend figures we can reproduce
Each row is the newest record for that route. The receipt shows the provider screen or calculation behind it, including the time we saw it.
| Route | Sent | Visible fee | Amount delivered | Against the best completed quote | Receipt |
|---|---|---|---|---|---|
| United Kingdom → Francebank transfer · bank deposit | £750.00 | £0.00 | €874.47Rate 1.16596 | Best completed result | Open receipt21 Jul 2026, 20:23 UTC |
| United Kingdom → Spainbank transfer · bank deposit | £750.00 | £0.00 | €874.60Rate 1.166133 | -€2.58 | Open receipt21 Jul 2026, 20:18 UTC |
| Switzerland → Euro areabank transfer · bank deposit | CHF 800.00 | CHF 0.00 | €857.57Rate 1.071963 | Best completed result | Open receipt21 Jul 2026, 12:06 UTC |
| Australia → United Statesbank transfer · bank deposit | A$1,500.00 | A$0.00 | US$1,036.63Rate 0.691087 | Best completed result | Open receipt21 Jul 2026, 12:06 UTC |
| Canada → United Statesbank transfer · bank deposit | CA$1,350.00 | CA$0.00 | US$951.10Rate 0.704519 | Best completed result | Open receipt21 Jul 2026, 12:00 UTC |
| Switzerland → United Kingdombank transfer · bank deposit | CHF 800.00 | CHF 0.00 | £730.33Rate 0.912913 | Best completed result | Open receipt21 Jul 2026, 11:52 UTC |
| Italy → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.36Rate 0.843953 | -£7.77 | Open receipt21 Jul 2026, 11:52 UTC |
| France → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.43Rate 0.844035 | -£7.70 | Open receipt21 Jul 2026, 11:52 UTC |
| United Kingdom → Germanybank transfer · bank deposit | £750.00 | £0.00 | €875.37Rate 1.16716 | Best completed result | Open receipt21 Jul 2026, 11:44 UTC |
| Australia → United Kingdombank transfer · bank deposit | A$1,500.00 | A$0.00 | £773.75Rate 0.515833 | Best completed result | Open receipt21 Jul 2026, 11:38 UTC |
| Canada → United Kingdombank transfer · bank deposit | CA$1,350.00 | CA$0.00 | £711.30Rate 0.526889 | Best completed result | Open receipt21 Jul 2026, 11:38 UTC |
| United States → United Kingdombank transfer · bank deposit | US$1,000.00 | US$0.00 | £743.41Rate 0.74341 | Best completed result | Open receipt21 Jul 2026, 11:38 UTC |
| Poland → United Kingdombank transfer · bank deposit | PLN 3,600.00 | PLN 0.00 | £705.90Rate 0.196083 | Best completed result | Open receipt21 Jul 2026, 11:37 UTC |
| Portugal → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.41Rate 0.844012 | -£7.72 | Open receipt21 Jul 2026, 11:37 UTC |
| Netherlands → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.36Rate 0.843953 | -£7.77 | Open receipt21 Jul 2026, 11:36 UTC |
| Ireland → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.41Rate 0.844012 | -£7.72 | Open receipt21 Jul 2026, 11:35 UTC |
| Germany → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.41Rate 0.844012 | -£7.72 | Open receipt21 Jul 2026, 11:35 UTC |
| Spain → United Kingdombank transfer · bank deposit | €850.00 | €0.00 | £717.06Rate 0.8436 | -£8.07 | Open receipt21 Jul 2026, 11:34 UTC |
What to price beside Paysend
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.
Read the TransferGo rate review →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.
Read the Wise rate review →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.
Read the Remitly rate review →Paysend's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- How Paysend fees workPaysend Help
- UK route calculatorPaysend