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Est. 1998
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World First

Est. 2004
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Est. 1990
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Est. 1979
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Each provider goes through a full vetting and is regulated by the relevant authority (FCA in the UK, FinCEN in the USA, ASIC in Australia)


Here are answers to some of the most frequently asked questions


  1. Enter your search criteria
  2. Review the results and select a provider
  3. Register an account with that provider
  4. You're ready to send money!


Once you have registered, booked the trade and sent your funds to the money transfer provider, it typically takes between one and two days for more mainstream currencies and three days or sometimes longer for more exotic currencies to be received by the recipient.


Yes. Nearly all the providers listed on our site have online platforms. These platforms allow you easy 24/7 access to their service and you can manage the process and view your transactions and reporting. In the comparison tables opposite, you will be able to see this under the Types of Transfer and look for the computer symbol.


Yes. If you make or receive international payments, using a money transfer provider as opposed to your bank can help you run your business better and improve your overall cash flow. Your provider can do much more than simply beat your banks foreign exchange rate. For more detailed information, visit our business section.


Our bank saving calculations are based the FXcompared International Money Transfer Index (IMTI). The IMTI is a weighted average of the cost of sending money bank to bank based on data from large banks. The exact saving compared to your own individual bank cost may be higher or lower than the saving number shown. The savings currently shown is based on data collected for both bank and non-bank providers on 17 May 2016. See more information and the full methodology on the IMTI.



The dollar, the worlds most traded currency, is held on a free-float exchange rate and is fully convertible to foreign currencies. Transferring money to the US or sending money from the US is free from any exchange controls but is regulated at state level. When sending money from the US, you must use a money transfer provider who is regulated in the state you are sending the money from.

US money transfer regulations

The dense network of banks, non-bank financial service companies and money transfer companies in the USA provide a number of options to send money to the US or from the US. The US dollar (USD) is a freely trading currency and the most frequently traded currency in the world, involved in 87% of all foreign exchange operations according to the last Bank for International Settlements survey in April 2013.

Regulation and supervision of money transfer providers known as Money Services Businesses (MSBs) is overseen by the Financial Crimes Enforcement Network (FinCEN), a division of the US Treasury. There are different categories of MSBs depending on exactly what role the money transfer is providing.

State by state regulation

Money transfer is regulated on a state by state level in the US. If you are sending the funds from a particular US state (the state where you reside), the broker must be regulated to send funds from that state. Very few money transfer providers are regulated across every state in the US. Only Montana, New Mexico, South Carolina and Wisconsin do not require money transfer providers to be regulated at a state level.

First to third party transfer restrictions

If you are new to using an overseas money transfer provider and you are sending dollars from the US to a third party outside of the US (for example, a lawyer for a property transaction), be sure that the provider is regulated to be able to send your funds to an account that is not in your name. These restrictions do not apply if you are sending money within the USA.

US federal financial regulation

Monetary and financial regulation in the US reflects its federal organisation. The territory is divided into 12 districts, each with its own Federal Reserve Bank. At the national level, a five-member Board of Governors of the Federal Reserve System (the Fed), oversees the entire financial system. The Fed directs national monetary policy, works to preserve national foreign exchange reserves and monitors price stability.

In addition to the Federal Reserve system, the Federal Deposit Insurance corporation (FDIC) and the Office of the Comptroller of the Currency oversee the banking sector at the state and federal levels. A separate agency, US Securities and Exchange Commission (SEC), regulates capital markets.

Buying property in the US

If you are looking to buy or sell real estate in the US there are several things to bear in mind. Find yourself a good local agent. Compared to commissions in other countries, expect US real estate commission to be much higher - often up to 6% which is usually paid for by the seller. Mortgages have become much harder to obtain in recent years and you will need both a history of US credit and proof of sustainable income (best shown with US tax returns). If you are planning to rent and have just moved to the US, be sure to send money to the US in advance of closing as deposits on apartments need to be made very fast.

Visas and work permits for the US

If you are planning to move to the US for work or to study, you will need to obtain a visa. The visa application process for the US is complex, expensive and often can take many months; sometimes more than a year. You will need to seek advice from an immigration lawyer as to what visa options are open to you depending on what you plan to do. Moving over through sponsorship of a large international firm or studying at a well known US university will usually provide the smoothest paths to an initial visa.

Most US visas are capped to last only a certain number of years and after a certain period of time, you will need to decide whether you can stay and if you are eligible to apply for permanent residence, more colloquially known as a Green Card. You will need to obtain health insurance. This may be provided by an employer, and if you are a student, you can purchase this through your university.

Taxation in the US

Residents of the US are taxed on their worldwide income. If you are selling assets overseas and repatriating the funds back to the US, it is worth considering whether this will have any taxation implications for you, both in the US and in the country from which the funds are coming from.


The US monetary unit is the US dollar (USD, symbol $), made up of 100 cents (). Banknotes are printed in denominations of $1, $2, $5, $10, $20, $50, and $100; coins are minted in denominations of 1 , 5, 10, 25, 50, and $1.


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