Best International Money Transfer Companies
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Compare our best recommendations for 2026 & kick-start your overseas transfer today
Best for Larger Transfers (AED 10,000 to AED 5m+)
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"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."
"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."
How to Get an International Money Transfer Quote
Follow these simple steps:
Click one of the orange buttons on this page to visit a provider of your choice
Enter a few details to help them provide you with a tailored quote
You'll then soon receive your transfer quote, including any fees, and the exchange rate on offer
Compare quotes and prices, and proceed with the company that offers the best deal and service
Not sure who to choose?
I suggest trying TorFX - click here to visit their website and submit your enquiry.
Table of contents
Table of contents
Compare Features
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| Fees None | Fees None | Fees None | Fees None | Fees $1.99 - $2.99 |
| Exchange Rate Markup 0.4% - 1.5% | Exchange Rate Markup 0.2% - 1.5% | Exchange Rate Markup 0.2% - 2% | Exchange Rate Markup 0.3% - 0.7% | Exchange Rate Markup 0.3% - 2.1% |
| Transfer Speed Minutes - 24 hours | Transfer Speed Minutes - 24 hours | Transfer Speed Minutes - 3 days | Transfer Speed Minutes - 24 hours | Transfer Speed Minutes - 24 hours |
| Currencies Supported 40 | Currencies Supported 40 | Currencies Supported 20 | Currencies Supported 40 | Currencies Supported 100 |
| Visit | Visit | Visit | Visit | Visit |
Money Transfer Company Reviews
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Regency FX
When it comes to handling big international money transfers, we recommend the UK-based Regency FX.
They are one of our best choices for different types of large purchases. This includes buying property, mass payments for business, and milestone events.
The specialist nature of large transfers also allows for more insight into taxes and processes that you might need to consider.
They are the recommended provider in 32% of searches on our site where a managed service is the best option.
- Personal service that aids in the challenges of large transactions
- Ability to lock in rates with forward contracts ahead of milestone purchases
- Does not have a mobile app, just an online platform (although this is mobile friendly)
- Serves fewer countries than XE or Wise
Show moreHide
Overview
Transfer fees: | No fees |
|---|---|
Transfer speed: | 1-3 days |
Exchange rates: | From 1.5% |
Platforms: | Website |
Payment methods: | Credit card, debit card, bank transfer |
Delivery methods: | Bank account deposit |
Trustpilot score: | 4.6 / 5 - 121 reviews |
Exchange rates
They are less competitive than Wise in terms of the exchange rate, as their markup is often above 1.5% (meaning they add 1.5% on top of the "real" exchange rate).
Also, they don't charge any fees for transfers. So the slightly increased exchange rate is partially offset by this.
Overall though, it is not the best option for smaller transfers.
Supported currencies
Regency FX supports 35 currencies in total, including core currencies like USD, EUR, and GBP. INR as an example is not supported by Regency FX, so there are some limitations to having fewer currency options.
Ease of use
RegencyFX is a great service if you're thinking about making a big transfer, like:
Buying property in another country
Receiving an inheritance from abroad
Moving your savings after retiring abroad
Each customer gets their own account manager. The account manager offers expert guidance for complex and high-value transactions.
This level of attention ensures that every big transfer is handled carefully and precisely. It takes into account any specific requirements or concerns.
Regency FX also has a user-friendly online platform that makes managing large transfers quite simple.
You can track your transactions in real time. You also have the flexibility to make transfers at any time of day or night. However, an account manager isn’t always going to be available if you make a transfer at an obscure time.
Other features
Offering large transfers means Regency FX can also cater to things like forward contracts, limit orders and stop orders.
Please share your experience with Regency FX
Would you recommend Regency FX?
Anonymous
Say they will give you free quote, make it seem all they want is your email but then once you provide that they ask for everything else too
Elmo Saunders
Selling house in Okinawa, want to transfer from yen to USD when exchange rate is better than 120 to 1. Want to transfer from Okinawa bank account to Charles Schwab account in USA.
Anonymous
Comparison shows best outcome, but they want to give a quote via email or phone. Let's see...
Dominic Bolongaro
DO NOT USE THIS COMPANY! In particular do not use James Low. There are a number of 1 star reviews on here all saying the same thing. They provide a rate, when quoting for the transaction, which is in line with (or better than) other FX services. They then, once funds are received, give you a rate significantly lower than other FX services. In essence shaving off as much as they can get away with. In my case I refused to accept the initial rate and they readjusted twice before I was happy to proceed. Even then the rate I had to accept was a good few hundred pounds lower than other FX services. In my opinion they, and in particular James Low, are running a racket not a legitimate FX service.
Anonymous
It's a 10.
David Piper
Superb service, great rates
Simon Smith
Regency FX are great. Sending my earnings in Saudi home, and the guy that looks after me is brilliant
Claudio Velazquez palacios
Pay all transacción ok tank
Geoffrey Brooke
A very stressful experience. Their verbal quote was a lot higher than what they actually offered us once they had our money. On the Monday, Jamie at Regency FX verbally quoted us €1.1714/£, which was better than anyone else on the day. So we transferred our money to them, but by Thursday, he quoted us less than €1.14/£. The spot rate on Google had hardly changed and other FX companies were still quoting around €1.17/£. Fortunately, we were in no hurry to send the money so asked that they refund us if they couldn't get near €1.17. By Friday afternoon, Jamie quoted us €1.1647/£, which we reluctantly accepted (to reduce the hassle factor), which seemed to be about average when compared to other FX traders. Most of the initial reviews we had seen seemed quite positive, but when we looked further, we saw that there were others who had a similar experience.
Xe
We’ve found them to be faster on larger transfers. For comparison, a $10,000 transfer on XE to the UK will arrive on the same day.
The same transfer on Wise has an estimated delivery of 3 days. Although they are largely in line with Wise for smaller transfers.
The company is listed as one of the best ways to send money to friends and family, as well as buying goods overseas. The benefit of using XE for this, paired with its general speed, is simply the peace of mind it offers.
- Fast transfers for higher amounts in particular
- Ability to opt for a managed service if needed
- Access to historical data and rate alerts aids in planning and understanding if you are getting a good deal on a transfer
- No cash pickup in Australia and New Zealand
- No cash payment option
- Markup charged on exchange rate is less competitive than the cheapest options
Show moreHide
Overview
Transfer fees: | $3 if sending less than $500 from the US or Canada. $4 if sending less than $500 from Australia or New Zealand. €2 if sending less than €250 from the EU. £2 if sending less than £250 from the UK. |
|---|---|
Transfer speed: | 1-4 days, but XE says the majority of their transfers are done within 24 hours, and some can take hours or even minutes |
Exchange rates: | Often between 0.4 and 1.2% above the mid-market rate |
Platforms: | Online and mobile app |
Payment methods: | Bank transfer, credit card, and debit card |
Delivery methods: | Bank deposit, and cash pickup in the UK, EU, Canada, and USA |
Trustpilot score: | 4.2 / 5 - 55,000+ reviews |
Exchange rates
XE’s exchange rate isn’t as competitive as Wise's.
They bill this as ‘the XE Exchange rate’ which is around 1 - 1.3% depending on the currencies you’re sending to and from. So for every $100 sent, expect to pay about $1.
The increased cost is however offset if you need to move funds quickly.
Supported currencies
XE supports 65 currencies, compared to the 70 of Wise. So not a huge difference. These currencies cover 170 countries around the world.
Ease of use
Like most online money transfer organizations, XE is also packaged in an app.
The app is intuitive and has some nice features like currency conversion. Adding and withdrawing funds is pretty simple as well.
Whilst we list XE as an online provider, there is an option to get support for managed services.
Other features
XE offers some additional l features that I like. These are currency monitors for up to 10 currencies and historical currency charts. You can set up measures for these to send you alerts or notifications. They also offer a business account option where you can set up batch payments, manage payroll and more.
Please share your experience with Xe
Would you recommend Xe?
Anonymous
The transfer rate was way lower than displayed on the comparison site.
Anonymous
Great for large transfers.
Anonymous
Fast, great rates, easy to use. Good for large transfers.
Paul Ansems
XE money transfer scam -stay away-WARNING Don't use this company! After several successful transfers. This time, I sent the money and they received it. After 7 days with no reason that they would cancel it. I sent their compliance team everything they asked. I found my privacy threatened but sent them anyway. I asked for a supervisor or manager but was denied. They obviously hang onto your money as long as possible and after making money from it like interest. If the exchange rate amount is too high and drops after holding it then they cancel it. WARNING Don't use this company!
OFX
OFX is a managed service provider that, similarly to Currencies Direct, offers a nice blend of online support to match.
The company makes our list because of the ease of making routine or regular payments.
For businesses, there’s also the added benefit of being able to make mass payments. Take a look at our OFX business review to learn more about their business features.
The customer service offered by OFX is another reason we’d recommend them for larger transfers, or those unsure of the full process.
Reviews often cite them as being patient and helpful. This is helpful for complex situations where transaction amounts could be quite high.
- Intuitive app that comes with a range of nice features
- Competitive exchange rates starting from 1.3%
- Mass payment functionality that is one of the best in the market
- Nice blend of online-only and managed service options
- Slightly more catered to business, so might not be great for ongoing personal use
Show moreHide
Overview
Transfer fees: | No fees |
|---|---|
Transfer speed: | 1-2 days |
Exchange rates: | From 1.3% |
Platforms: | Online and mobile app |
Payment methods: | Bank transfer |
Delivery methods: | Bank deposit |
Trustpilot score: | 4.4 / 5 -9,500+ reviews |
Exchange rates
Exchange rates are very competitive for a managed service, starting from 1.3% (0.2% cheaper than Key Currency and RegencyFX). There are also no fees to pay on transfers, so all in all a decent option.
For mass and business payments, where OFX shines, these rates allow for a level of financial planning.
Currencies Supported
Total currencies supported on OFX is about 50 across 190 countries - so most eventualities are covered.
Ease of use
OFX has an online portal and an app. The app is very user-friendly and has many features, like uploading documents, which are well-built. It also houses a currency converter, and tracker for any money sent.
Other features
The other OFX features that put them on our top 10 companies list are; mass payments and business options. Our business section covers this in a lot more detail.
Please share your experience with OFX
Would you recommend OFX?
Anonymous
They have limit amount
Anonymous
Not free service
Schuffner
all question answered, rechecked, not successful!
Jon
Free for two months than have to pay a monthly fee. I don't want to do that.
Anonymous
Plz give me my withdraw
Anonymous
Gives better exchange rate
Michael Patrick Briggs
It amazes me that a company dealing with your money can afford to be so cavalier with how they treat you. I made a transfer of AUD$3000 to two different recipients on a Monday, then apparently needed to verify my identity due to an update of location actioned by a staff member without my consent. I provided that on the Tuesday, and despite contacting OFX three times over the next few days, only got an update at 4.30pm Friday that more information was required. That came with a promise that if I got it to them fast, my transfers would be processed before 5pm. I sent the requested information within minutes - it is currently 5.30pm and nothing has happened. That means AUD$3000 has been sitting with them for a week, transfers don't occur on the weekend, and I have no faith it will even be Monday, because they only get back to me if I chase them. If you put AUD$3000 on the short-term money market along with money from the 100,000 other customers they cheat like this, you make some pretty good intertest off other people's misery. OFX should be ashamed of themselves and fined by the regulators - I'll certainly make sure at least one of those things happen, but otherwise highly recommend you choose another provider for international money exchange.
Key Currency
Key Currency is one of the best-managed services, because of its competitive rates in Europe.
The company is listed as the cheapest managed service provider in 78% of transfers involving the euro, compared to 13% for OFX and 8% for Regency FX.
The company sits a little further down the list as Regency FX offers a bit more scope in terms of cheaper currencies other than the euro.
- Large transfers to and from Europe are hugely competitive
- Access to Spanish speaking account managers
- One of the best rated managed services on TrustPilot (4.9 / 5)
- Only 19 currencies in total - smaller than many other managed service providers
- Online, email and phone-based could put some people off
Show moreHide
Overview
Transfer fees: | No fees |
|---|---|
Transfer speed: | 1-5 days |
Exchange rates: | From 1.5% |
Platforms: | Online |
Payment methods: | Bank transfer |
Delivery methods: | Bank deposit |
Trustpilot score: | 4.9 / 5 - 1,800+ reviews |
Exchange rates
Average exchange rates for Key Currency start from about 1.5% in most cases, but there is no fee attached to this.
As a managed service it is also possible for you to negotiate a better rate with your account manager as well as lock in rates with forward contracts.
For bigger purchases, this option can make a huge difference. On a $100,000 transfer - getting the rate from 1.5% to 1% could save you $500.
Supported currencies
Currency support is where Key Currency is a little weaker compared to other managed services. They offer 19 currencies in total (just under half the amount supported by Regency FX).
This being said, they make the list in particular for their support of the euro.
Ease of use
Key Currency does not have an app, but you do get a login portal.
Most of the work you will carry out with Key Currency will be over the phone or email as well.
So whilst it’s very hands-on, which is great for large transactions, you might find it’s a little slow if you want to send quickly (if speed is your priority, I'd consider using XE for your transfer).
Other features
Features for Key Currency include a point of contact and forward contracts.
A point of note as well, is that Key Currency operates with the Community Federal Savings Bank in the USA. This is the same partner bank as with Wise and Revolut. It’s also registered in 39 states through FinCEN.
Please share your experience with Key Currency
Would you recommend Key Currency?
Anonymous
Currency found in moneytransfers was not available through Key Currency
Anonymous
Make you pay deposit and then offer a terrible rate and if you want to cancel, then charge a huge amount of money to do so
Shokoko Bakava
It seems like a scam company! They force you to provide the most private information without giving you any details
Anonymous
No support for Norwegian or Swedish kroner Response from Key Currency: We do support Norwegian and Swedish kroner; we have a dedicated Scandinavian team.
Currencies Direct
Currencies Direct is a great choice for sending money abroad if you’re looking to send money to Europe in particular. Although USD and AUD are also supported.
The company is listed as one of the best for buying property abroad as it is one of the cheapest managed services on the market.
They are listed as the cheapest option in 51% of all managed service searches on our site. For reference, Regency FX was second on the list at 32%.
- Great options to send money to and from Europe
- No transfer fees for international transfers (although a higher exchange rate than some)
- Expert insights, analysis and rate alerts are available
- Only allows bank-to-bank transfers
- Limited support for African currencies
Show moreHide
Overview
Transfer fees: | No transfer fees |
|---|---|
Transfer speed: | 1-2 days |
Exchange rates: | Between 0.12% and 1.32% markup on the mid-market rate |
Platforms: | Online and mobile app |
Payment methods: | Bank transfer and debit cards from UK and EU |
Delivery methods: | Bank deposit |
Trustpilot score: | 4.9 / 5 - 8,000+ reviews |
Exchange rates
Exchange rates start from 0.7% for the most commonly supported transfer routes. And, they don't charge any fees.
Most transfers are completed within 3 working days.
Depending on where you send money, your account manager will be able to give a better estimate here.
Supported currencies
Currencies Direct supports 40 currencies in 120 countries, so a nice selection. These areas are great for people buying property, emigrating, or making international investments.
Ease of use
Whilst Currencies Direct is a managed service, they do offer a little more flexibility than the likes of Regency FX.
The company has an app and online portal for managing transactions. You can also call them and make transfers over the phone if this offers peace of mind.
The company has a nice balance between online and hands-on management.
Other features
Customers in Europe can make the most of a multi-currency card. This is attached to a wallet, although you do pay 2% to convert a currency before spending.
As with XE, you also get rate alerts and expert insights (these come from your account manager).
I’ve found that their information is helpful and would recommend it to anybody interested in the foreign exchange market.
Please share your experience with Currencies Direct
Would you recommend Currencies Direct?
Anonymous
I wanted to get a quote for sending CAD but web site only allows GBP
Anonymous
Good job 👍🏾
Roshan Firouz
Currencies Direct will be very friendly and efficient in TAKING your money, but when you ask for it to be transferred, they will shamelessly put every possible and impossible obstacle in your way in order to stop you from moving the money.
Best Overall Choice for International Money Transfers
| Name | Score | Visit | Exchange Rate Markup | Fees | Currencies Supported | Transfer Speed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
| Best Choice: Rates & Service TorFx Read Review | 8.9 | Visit torfx.com | 0.4% - 1.5% | None | 40 | Minutes - 24 hours |
Please share your experience with …