Atlantic Money is a UK fintech offering flat-fee international transfers. It is authorised by the FCA.
Best Money Transfer (2026)
Sending money across borders shouldn't cost 5% — but through a traditional bank it routinely does, which is why this category exists. We track 16 money-transfer services, including established names like Wise, comparing the two numbers that actually determine what you pay: the exchange-rate markup and the transfer fee. Providers love to advertise 'low fees' or 'zero commission' while hiding their margin inside the exchange rate, so the only honest comparison is total cost for your amount on your corridor — the cheapest option for $200 to one country is often not the cheapest for $5,000 to another. Speed is the third variable: minutes versus days changes the value proposition completely for urgent transfers, and faster delivery sometimes costs more. Also check transfer limits, ID verification requirements, and whether the recipient needs an account with the service. Rates move daily, so where we couldn't verify current pricing it's blank — always get a live quote for your exact transfer before committing, and be wary of any service that won't show you the full cost upfront.
Currencies Direct is a UK currency broker for personal and business international transfers. It is authorised by the FCA.
Instarem is a Singapore-based cross-border payments company (part of Nium) serving consumers and businesses. It is licensed by MAS in Singapore.
MoneyGram is a global money transfer company serving 200+ countries with online and agent-location transfers. It is licensed as a money transmitter in the US.
OFX is an Australian international payments company serving consumers and businesses in 50+ currencies. It is regulated by ASIC in Australia and FinCEN in the US.
Payoneer is a cross-border payments platform for freelancers, marketplaces, and SMBs, operating in 190+ countries. It is licensed as a money transmitter in the US.
Paysend is a UK fintech offering card-to-card international money transfers to 170+ countries. It is authorised by the FCA.
Remitly is a US digital money transfer service focused on remittances to 170+ countries. It is licensed as a money transmitter in the US.
Ria is a global money transfer company (part of Euronet) with 500,000+ locations in 190+ countries. It is licensed as a money transmitter in the US.
Sendwave (part of Zepz/WorldRemit group) is a mobile-first remittance app sending to Africa, Asia, and Latin America. It is licensed as a money transmitter in the US.
TorFX is a UK currency broker specialising in international transfers for individuals and businesses. It is authorised by the FCA.
Western Union is a global money transfer company with 500,000+ agent locations in 200+ countries. It is licensed as a money transmitter in the US.
Wise offers international transfers at mid-market rates with transparent fees, plus multi-currency accounts. It is regulated by the FCA and FinCEN.
WorldRemit is a UK-based digital money transfer service sending to 130+ countries, focused on mobile money corridors. It is regulated by the FCA.
XE is a currency data and money transfer brand (part of Euronet), known for its widely used currency converter. Transfers run through regulated entities.
Xoom is PayPal's international money transfer service, sending to 160+ countries. It is licensed as a money transmitter in the US.
Frequently asked questions
What's the cheapest way to send money abroad?
Compare total cost — fee plus exchange-rate markup — for your specific amount and corridor. The cheapest option varies by route.
What is an exchange-rate markup?
The difference between the mid-market rate and the rate you're offered. It's often the biggest hidden cost in a transfer.
How fast are transfers?
From minutes to several business days depending on the service, corridor, and payment method. Urgent transfers may cost more.