🌍💱 Compare International Money Transfers: How to Save on Fees & Get the Best Rates
Sending money abroad can be expensive, especially if you use your bank. Banks often charge high fees and offer poor exchange rates, which can add up quickly. Fortunately, there are many alternatives to banks that can help you save money on international money transfers.
Compare international money transfers to find the best exchange rates, lowest fees, and fastest delivery. Whether you’re sending money for personal use, business payments, or remittances, our expert reviews and real-time comparison tools help you choose the right provider—quickly and securely.
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🔑 What to Look For When Choosing a Money Transfer Service
To ensure you get the best value, always compare these key factors:
1. Exchange Rate: Look for providers offering competitive rates close to the mid-market rate.
2. Fees: Consider both fixed and percentage-based fees. Many providers, like XE, have zero fixed fees.
3. Transfer Speed: Faster services (like Wise) may charge extra but offer same-day or 1-day delivery.
4. Customer Service: 24/7 access can be crucial—OFX shines here with phone and online support.
5. Payment & Delivery Options: Bank deposit, cash pickup, or even mobile wallets—ensure the method suits your recipient.
6. Security: Choose providers that are licensed, regulated, and trusted worldwide.
7. Ease of Use: Check if they offer mobile apps, online platforms, and multi-currency accounts.
💡 Pro Tip: Our exchange rate comparison tables highlight all these features—making it simple to choose the best option.
✅ Best International Money Transfer Services (2025)
We’ve reviewed three top providers based on fees, speed, exchange rates, and user experience. Here’s how they stack up:
📊 Side-by-Side Comparison Table
| Feature | OFX | XE Money Transfer | Wise |
|---|---|---|---|
| Fees | ~0.5% | No fixed fees (~0.6%) | ~0.7% |
| Exchange Rate Margin | Low | Competitive | Mid-market rate + fee |
| Transfer Speed | 1–2 business days | Same-day to 2 business days | 1–2 business days |
| Best For | Large transfers, business | Zero-fee personal transfers | Multi-currency, travelers |
| Customer Support | 24/7 phone & online | Email & phone | Online chat & help center |
| Extras | Hedging tools, multi-currency | Fast, simple transfers | Travel debit card |
| Link to Deals | Visit OFX➔ | Visit XE➔ | Visit Wise➔ |
🌐 OFX Quick Verdict: Best for Large Transfers & Business Payments
OFX has been a trusted name in foreign exchange for over 20 years, with more than 1 million customers globally. Offering great exchange rates, low fees (typically 0.5%), and excellent customer support, OFX is ideal for both personal and business use.
Highlights:
• ✅ Competitive rates for large transfers
• ✅ 24/7 phone & online support
• ✅ Currency hedging tools & multi-currency accounts
• ✅ Regulated in 50+ countries
👉 Visit OFX & Start Your Transfer ➔
📱 XE Money Transfer Quick Verdict: Zero Fees & Fast Delivery
XE Money Transfer offers competitive exchange rates and zero fixed fees, making it a top choice for cost-conscious senders. Transfers are typically delivered within 1-2 business days, and XE’s user-friendly app makes sending money simple.
Highlights:
• ✅ No fixed fees
• ✅ Fast processing (same-day in some cases)
• ✅ Strong security & encryption
• ✅ Dedicated customer support
🔄 Wise (formerly TransferWise) Quick Verdict: Transparent & Mid-Market Rates
Wise is famous for offering the real mid-market exchange rate with transparent fees. It’s especially good for travelers, freelancers, and expats needing multi-currency accounts and a travel debit card.
Highlights:
• ✅ Mid-market rates + clear fee (typically 0.7%)
• ✅ Multi-currency accounts (23+ currencies)
• ✅ Wise Travel Debit Card with low conversion fees
• ✅ Fast transfers (1–2 business days)
👉 Compare Wise Rates & Open Your Multi-Currency Account ➔
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🌎 Compare Popular Transfer Routes
We regularly update rate comparisons for the most common routes, including:
• Send money to India cheap (USD/INR, GBP/INR)
• Best way to send USD to EUR fast
• Low-fee AUD to GBP transfers
• Send CAD to USD fast & cheap
• Top providers for remittances to the Philippines, Pakistan, Nigeria, and Mexico
Explore country-specific guides for tailored advice on your chosen destination.
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💼 Business Money Transfers: Best Options
If you run a business, OFX Business and Wise Business offer specialized services like:
• ✅ Multi-currency accounts to hold and pay in foreign currencies
• ✅ Bulk payments and API integrations
• ✅ Forward contracts & risk management tools
Use our business rates comparison tool to find the best international payment service for your business needs.
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🔒 Is Your Money Safe? Security & Regulations
Every provider listed on BER is:
• Fully licensed and regulated
• Encrypted with bank-grade security
• Reviewed and trusted by millions of users worldwide
Check each provider’s Trustpilot rating and security policies for extra peace of mind.
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❓ FAQs: International Money Transfers
What is the cheapest way to send money abroad?
Specialist services like Wise and OFX generally offer cheaper transfers than banks, thanks to lower fees and better exchange rates.
How fast can I send money overseas?
Most transfers take 1–2 business days. Services like XE and Wise also offer same-day delivery for certain currencies.
Are online money transfers safe?
Yes—always choose regulated, licensed providers with strong security features like two-factor authentication and encryption.
How do I compare exchange rates for money transfers?
Use our real-time rate comparison tables to quickly see who offers the best deal for your specific currency route.
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🚀 Start Saving on Your International Money Transfers
Stop overpaying to send money abroad. Whether you need to send large amounts internationally, pay international suppliers, or remit money to family, BER helps you find the best exchange rates, lowest fees, and fastest transfer options.
👇 Compare Rates Now & Make Your Transfer 👇
Best Exchange Rates makes it easy to compare Business FX rates from trusted, regulated currency exchange specialists. By using these services, businesses can significantly reduce excessive global payment fees, improve cash flow, and gain access to tools like forward contracts, multi-currency accounts, and risk management strategies. Setting up regular international payments is easy and can save you time and money Sending large sums overseas—whether for property purchases, business payments, or investments—requires extra care to ensure you get the best rate and minimize fees. Our expert guide helps you navigate the process with confidence, covering key factors like exchange rate margins, transfer limits, regulatory requirements, and strategies to save money on high-value transfers.
More International money transfers:
Business Global Payments
Save Money with Regular Overseas payments
Large Foreign Transfers
Compare International Money Transfers - Last Updated: 2025-04-01