Banks and transfer services have a dirty little secret. They create their own exchange rates to make their customers pay a hidden markup. But we here at Wise have a solution.

Wise always gives you the mid-market exchange rate, just like the one you’ll usually see on Google. So when you make an international money transfer, you’ll know exactly what you’re getting. No nasty surprises — just the best {targetCurrencyText} rate that Wise can offer, with a fair, transparent fee upfront.

How to avoid losing money on the {targetCurrencyText} exchange rate?

Wise is committed to giving you more for your money.

We collect fees and rates from the most popular money transfer providers — so you don’t have to. We calculate the full price you’ll pay when sending {sourceCurrency} to {targetCurrency} with each provider — including the hidden markup in the exchange rate.

We want to bring you the best {targetCurrencyText} rate possible, so we’ve compared the prices for sending money from one bank account to another. Sending cash or sending a money transfer from a bank branch usually costs more in extra fees.

How to get the best {targetCurrencyText} exchange rate

Compare the best exchange rates for {targetCurrencyText} today. Find the best {targetCurrencyText} rate from money transfer providers.

1 Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks.<linebreak></linebreak> Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

Compare today’s best exchange rate for {targetCurrencyText}. We compare live prices for money transfer providers {countryText} — so you can get the best value for your money.

Planning to send {currencyText} with Wise? Sign up and get notified when we launch.

Best {targetCurrencyText} exchange rate - Wise

Join over 16 million people who get the mid-market exchange rate with Wise, and send to 140+ countries, fast.

Get your money moving worldwide

Different currency services use different fee structures, which can make it hard to see which is the best foreign exchange for your needs. Some use upfront commission, but it’s also common for providers to hide their fees in the exchange rate they use. This way they can offer an attractive headline like ‘zero commission’ or ‘fee free exchange’ while still making money from currency conversion. To find the best currency exchange rates for your travel money, you’ll need to compare a few providers - looking at both the fees and the exchange rates used.

You might find it easier and cheaper to use a travel debit like the Wise <a>[travelMoneyCard]</a> when you’re away from home. You can top up in pounds and convert to the currency you need using the mid-market exchange rate with no hidden fees. There’s just a low transparent fee for currency conversion, and then you can spend any currency you hold using your card for free, and get free ATM withdrawals up to £200 each month.

What is the cheapest way to get foreign currency?

We compare providers so you can find the best rates for international money transfers.

Money transfer comparison

Travelling abroad? We look at different providers to see who offers you the best exchange rate when changing currencies.

Travel money

Choose the currency you're sending to, and we'll compare the best options.

Comparing prices for international money transfers can be challenging. We’ve created this comparison table to help you identify hidden fees in exchange rate markups.

We’re building the best way to move and manage the world’s money. Min fees. Max ease. Full speed.

Meet money without borders

Compare money transfer providers. Wise uses the mid-market exchange rate and charges a low, transparent fee.

Money transfer comparison | Compare best exchange rates - Wise

Choose the providers {fromCountry} you’d like to send money with, and we'll compare their exchange rates and speed across a range of currencies.

Compare money transfers by provider

With our Currency Converter, you can compare exchange rates anytime wherever you are.

Download our Currency Converter app

Every quarter, over {millionUsers} million people and businesses trust us to move £30 billion of their money. We're rated Excellent on Trustpilot too.

{trustPilotScore} ON TRUSTPILOT FROM 203,000+ REVIEWS

The information above applies when you pay in via bank transfer or ACH payments. Information provided is not in real time and may be different from the actual rates and fees on the provider’s website. Transaction speed claimed depends on individual circumstances and may not be available for all transactions.

Transfer speed

We’re on a mission to bring transparency to finance, for people without borders. We charge as little as possible, and we always show you upfront.

Find out how much it costs to send money abroad

We want you to have a crystal clear view of how much money arrives at the other end. That’s why we never add a mark-up to the exchange rate and show our fee transparently instead.

Compare our fees to see how much you can save

Exchange rate markup

Wise always gives you the real mid-market rate of {rate}. No markups, no hidden profits.

Real mid-market rate

Choose the currency you're sending money to, and we'll compare the providers for you.

Compare money transfers by currency - Wise

We take public information from this provider's website to give you as fair a comparison as we can

How we get this estimate

We get this estimate from the provider's website. Always double-check with the provider before ordering.

Provider's delivery estimate

Right now, we don't know how long it takes to send money with this provider. We're working on it and we'll add it here as soon as we can.

We don't have this data

We take delivery estimates from providers’ own websites. Right now, this provider doesn’t publicly share theirs.

This provider doesn’t share delivery estimates

If you send money right now, we expect your recipient to receive it within this time. But this could vary depending on how you send it.

Our delivery estimate

This is how long we estimate it will take for you to receive your card in the mail, if you sign up and order one today.

Comparison disclaimer. Wise uses the mid-market exchange rate and charges a low, transparent fee.

The exchange rate

Comparison disclaimer - Wise

The transfer fee

The transfer speed

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In order to collect reliable prices from other providers, we sometimes use their service for bank-to-bank transfers - just as if we were customers. The largest amount we’ve collected reliable prices for is {maxAmountCollected} {source}.

We’re sorry – we don’t have comparisons for large amounts.

Sorry – we can’t show you that comparison. It’s either because we don’t have reliable information from the provider, you searched for a route we don’t support, or the amount you entered is above the maximum quote we can collect.

There are thousands of banks in the world – we haven’t gotten to them all yet.

If you have a complaint, <a class="footer-link" rel="noopener noreferrer" href="https://wise.com/help" target="_blank">get in touch with us</a> — we'll try and fix the problem. But if you're still not happy, talk to our Ombudsman Service. You can call them on <a class="footer-link" href="tel:08008782802">0800 878 2802</a> or email them at <a class="footer-link" href="mailto:ouvidoria@wise.com">ouvidoria@wise.com</a> — be sure to have your protocol number ready.

Help and support

Resources

Company and team

Wise Products

Unlike most banks, Wise uses the mid-market exchange rate for sending money — just like the one used by Google. Combine that with a low, upfront fee, and you get international transfers that are cheap, fair and transparent.

Get more for your money with Wise

1. Many banks trade at the mid-market rate. When exchanging {targetCurrencyText} between themselves, many banks and transfer services use the mid-market rate (also known as the interbank rate). It’s the fairest possible rate. The mid-market exchange rate.

2. They often add a hidden markup for customers. This is why you’ll see different exchange rates across providers. You’re paying the difference between the mid-market rate and the rate quoted by your transfer service.

3. You lose money. You’re charged the hidden markup when you make a transfer — often without even realising. Even when services claim to have zero fees, you’re still being charged.

The exchange rate scandal

Tell us who you’re sending to, and what currency they need. If you’re sending a lot of money, we might need to run a few identity checks.

Enter an amount and tell us where it’s going

Pay into Wise’s bank account in the country you’re sending from. You’ll see the fees upfront, and we’ll convert your money at the mid-market rate.

Pay in by card or make a local bank transfer

Next, Wise’s account in your recipient’s country pays the money straight into their account. Your money never crosses borders.

Your recipient gets paid into their bank account

How sending money with Wise works

Removing this file will delete it from our system.

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We've partnered with other providers who believe in fairness and transparency. That’s why all providers powered by Wise use a great exchange rate, just like us.

When travelling abroad for business or pleasure, you might need {targetCurrencyText} to spend in restaurants, shops and bars. It can be tempting to buy {targetCurrencyText} in cash from high street banks, a local bureau de change, or by home delivery, but these methods can cost you more. Instead, save money on the exchange rate with a Wise multi-currency debit card.

With the Wise card, you never have to worry about exchange rate markups, or high transaction fees when you spend abroad. Withdraw money from ATMs abroad — with no fees on your first £200 every 30 days — or pay in shops and restaurants around the world. It’s taken everywhere that takes Mastercard.<anchorLink>1</anchorLink>

Preparing {targetCurrencyText} for your travels?

Compare {provider} {sourceCurrency} to {targetCurrency} exchange rate with other providers. Wise uses the mid-market exchange rate and charges a low, transparent fee.

Compare {provider} {sourceCurrency} to {targetCurrency} exchange rate - Wise

Considering a {providerName} international money transfer? Compare {providerName} transfer fees and exchange rates, and get a better deal for sending money abroad.

We don’t have reliable information from this provider. If you have a quote from {providerName} or know the cost of your past transfer with them, type them into this calculator and we can calculate how much you could have saved with Wise instead.

About {providerName}

The time it takes to send money with {providerName} will depend on:

Where you’re sending money to: sending money to some currencies can take longer than others. Check our comparison table above to find an estimate for most world currencies.

The payment method you’re using: using a debit card or a credit card to fund your transfers is usually the quickest, but can come with an extra cost.

When you send your money: different banks have different cut-off times, which, if you miss them, can make your money transfer take longer. Weekends and bank holidays can also have an impact on the duration of your money transfer.

How long does it take to send money with {providerName}?

The cost of international money transfers with {providerName} will depend on where you are sending money from and to. Check our comparison table above to find a price for your money transfer.

Your chosen payment method can also come with extra costs. Bank transfer is usually the cheapest option, especially compared to payment with credit or debit card. In our comparison, we compare the costs using the bank transfer method.

This doesn’t show the whole picture, however. Unlike Wise, many banks advertise low fees, while adding hidden costs to the exchange rate. Often without telling you.

Compare {providerName} to Wise to see how much you can save.

How much does it cost to send money abroad with {providerName}?

Compare live {providerName} exchange rates across the most popular world currencies. Find out how much it costs for an international money transfer with {providerName} and how long a transfer would take.

Sending money with Wise would be more expensive this time, but keep checking as we always use the mid-market rate and we are continuously working on making our fees as low as possible. Sign up for our free rate alerts and we’ll let you know when the exchange rate drops.

Good news! You could save {amount} {currencyCode} if you use Wise on this transfer. At Wise we always use the mid-market rate and we are continuously working on making our fees as low as possible.

{providerName} Exchange Rate: How Much Does a {providerName} International Transfer Cost? - Wise

Compare {providerOne} vs {providerTwo}. Wise uses the mid-market exchange rate and charges a low, transparent fee.

Compare {providerOne} vs {providerTwo} - Wise

Choose the provider you’d like to send money with, and we'll compare their exchange rates across a range of currencies.

Compare exchange rates by provider - Wise

Wise offers different features depending on where you live.

Learn how millions of customers move their money globally

Explore the account used by 16 million people to live, work, travel and transfer money worldwide.

Explore the features used by millions of people globally

This comparison doesn’t take into consideration Revolut’s 1,000 GBP free monthly allowance. <learnMoreLink>Learn more</learnMoreLink>

Revolut comparison

Revolut offers their customers several plans. The above price comparison only takes into account their free plan called “Standard”, which includes a monthly allowance of £1,000 that can be used to either convert currencies or make an international transfer (outside of Revolut).

How does Revolut's pricing work?

Let’s say you want to make three transfers of 1,000 GBP in one month. Once you’ve used your monthly allowance with Revolut after your first transfer, their transfer fee gets significantly higher and therefore the total amount received is lower.

See what it really costs to send money with Revolut

Knowing when to transfer {targetCurrencyCode} can be tricky. Exchange rates are often volatile, as they react to economic and political events. And rates move so quickly — when you find the right time, how do you lock it in?

With Wise, you'll get a guaranteed rate for 24 hours. Start your transfer and lock in your rate. As long as we get your money within a day, you'll never lose out on a great price.

And if the rate isn’t right, we can let you know when it gets better.

 Sign up for rate alerts, and you’ll get live updates straight to your inbox.

Waiting for the best rate to transfer {targetCurrencyText}

Send money with the mid-market exchange rate

Sitemap

Banks and other providers often set their own, unfriendly exchange rates. It means that you pay more than you need to, and they pocket the difference.We do it differently. We always give you the real, mid-market exchange rate — like you’d usually find on Google.

There’s only one fair exchange rate

Lots of providers offer transfers that are ‘free’ or ‘0% commission’. Truth is, ‘free’ international money transfers don’t exist. Because every time you send money, you pay something. In lots of cases, you lose money on that unfriendly exchange rate — even if there are no fees advertised upfront.

There’s no such thing as a free transfer

How much a transfer really costs is made up of two things — the fees, and the exchange rate. So make sure you check both. To see whether you’re getting a good deal, look at how much of your money arrives on the other side.

Check the fees and the exchange rate

How to spot unfair money transfers

Popular currency exchange routes

Wondering whether to take cash or a card with you on holiday?

Compare popular travel money cash providers to the Wise travel money card, find the best currency exchange rates and see how you can save.

Compare travel money card with cash

This calculation is based on spending {amount} to compare travel money with the Wise card vs exchanging cash for a holiday.

Travel with the Wise card, and save

Forget the cost of exchanging cash. With the Wise travel money card, you can spend like a local while avoiding hidden fees. A travel money card — also known as a prepaid travel card, or a currency card — is easier and safer compared to carrying foreign currency in cash, and less complicated than using traveller’s cheques.

See for yourself. This comparison is based on comparing travel money with the Wise card vs exchanging cash for a holiday.

Travel money card can be cheaper than cash

Compare best travel money rates from the biggest providers in the UK and go cashless for your next holiday.

Compare Travel Money - Best Currency Exchange Rates - Wise

Unlike banks, we don't loan your money out to other people and businesses. We safeguard it instead. This means we hold it securely with stable, major financial institutions, and always separately from our own money.

We safeguard your money

Wise uses smart technology, from the people who built Skype. It means your money never crosses currency zones. And because that’s cheaper to do, we pass the savings on to you.

From the people who built Skype

Why you can trust us

Over 16 million happy customers trust Wise to move over $10 billion dollars of their money, every month. And they’ve given us 155,400+ five-star reviews on Trustpilot.

155,400+ five-star ratings on Trustpilot

You’ll need travel money - also called holiday money or holiday currency - if you’re planning a trip abroad. Ensure you compare travel money to find the best currency exchange rates.

Your travel money could be sterling cash you’re planning on taking to a money exchange in your destination, or foreign currency you buy at a currency exchange before leaving the UK. To avoid carrying cash you can also choose a prepaid <a>[travelMoneyCard]</a>, or use a debit card to spend and make ATM withdrawals while you’re away.

The currency rates you’ll get at an airport or hotel - or tourist rates in your final destination - are often not great value. You’ll usually find you pay a high price for the convenience of converting your cash on arrival. Compare travel money and plan how to manage your money before you travel to get the best currency exchange rates.

What is travel money?

It’s simple. The lower the cost of converting your money to {targetCurrencyCode}, the more money for you. That’s why it’s important to see the full cost of an international transfer before you send it.

When sending money abroad, banks or other providers will likely charge you a conversion fee. But that’s not all. Hidden markups in the exchange rate can end up costing even more than the conversion fee itself. This means that when sending international transfers, many banks and providers charge you twice. All without telling you.

And if you decide to convert your money in cash, you could be charged:

- and extra delivery charges, if you’re ordering your money in advance

You should always look for the best possible exchange rate, regardless of the conversion method you’re using.

Why does getting a good {targetCurrencyText} exchange rate matter?

It’s free to pay with any currency you hold in your account, and if you want to convert your money to a different currency, you’ll get low conversion fees and zero transaction fees. You can use the card to make ATM withdrawals in your chosen currency, which are free up to £200 a month. Avoid expensive (and often hidden) fees when withdrawing money while abroad, by choosing to withdraw in the local currency and leaving Wise to deal with the conversion.

Currency	Should arrive	Transfer fee	Exchange rate	Recipient gets Sending 1,000 HKD	Sending with
USD US dollar	-	5.00 HKD	0.127300	126.66 USD	Higher in 3 days 1.12 USD more
PHP Philippine peso	-	5.00 HKD	7.19560	7,159.62 PHP	Higher in 19 minutes 46.17 PHP more
INR Indian rupee	-	5.50 HKD	10.8730	10,813.20 INR	Higher in seconds 62.20 INR more
SGD Singapore dollar	-	5.00 HKD	0.162300	161.49 SGD	Higher in seconds 1.24 SGD more
MYR Malaysian ringgit	-	8.00 HKD	0.537800	533.50 MYR	Higher in seconds 0.21 MYR more
AUD Australian dollar	-	5.00 HKD	0.194800	193.83 AUD	Higher in seconds 1.10 AUD more
GBP British pound	-	5.00 HKD	0.0928000	92.34 GBP	Higher in seconds 0.43 GBP more
EUR Euro	-	5.00 HKD	0.108600	108.06 EUR	Higher in 3 days 0.39 EUR more
VND Vietnamese dong	-	5.00 HKD	3,320.20	3,303,596 VND	Higher in seconds 42,736 VND more
CNY Chinese yuan	-	3.50 HKD	0.912700	909.51 CNY	Higher in seconds 25.26 CNY more

Instarem exchange rate

Popular currency exchange routes

Where you’re sending money to

The payment method you’re using

When you send your money

How much does it cost to send money abroad with Instarem?

Get your money moving worldwide