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Destination country
Speed
Payout method
Total cost
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Payout methods
Bank account, mobile wallet, cash pickup or debit card
A global money transfer service with cash pickup, bank deposit and mobile wallet payout across most countries, available online and through agent locations.
Why this column
Exchange margin. Providers make most of their money on the rate rather than the fee, so a zero-fee transfer is frequently the most expensive one. Total cost is the fee plus the margin, and it is the only number worth comparing.
The cost that decides it
A calculator: enter an amount and a destination, and see the total cost from each provider including the exchange margin, against the mid-market rate.
Common questions
Why is a zero-fee transfer sometimes the most expensive?
Because the provider makes its margin on the exchange rate instead. If the mid-market rate is 1.00 and you are given 0.96, that four percent gap on $500 is $20, considerably more than a $5 transfer fee. Always compare the amount that arrives, not the fee.
What is the mid-market rate?
The real exchange rate between two currencies, the one you see on Google. Nearly every provider offers something below it, and the gap is their margin. A provider that publishes its margin openly is doing something the rest do not.
How fast can money arrive?
Minutes for cash pickup, hours to a couple of days for a bank deposit, depending on the destination and the payout method. The fastest option is usually the dearest.
Is it cheaper to send larger amounts?
Usually. Fixed fees shrink as a proportion, and several providers reduce the exchange margin above certain thresholds. Sending one larger transfer often beats several small ones.
