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United States

Barclaycard Rewards Visa

Launched in 2010. First to introduce a peer-to-peer marketplace. They’ve transacted more than $14b in transfers, with competitive rates and secure transactions. Unfortunately not available in the US.
 
**Min:** £10
 
**Send by:** Bank transfer |  Debit card (Europe only) 

**Receive by:** Bank account only (no cash pick up option)

**Security:** Regulated by the Australian Securities and Investment Commission (ASIC)

**Support:** Mainly handled via email or chatbot 

**Offers:** New customers get their first 10 transfers free
 
<hr />
 

**How to send money with CurrencyFair:** 
 
1. Click ‘go to site’ and Set up your account 
2. Set up your transfer details and send your money to CurrencyFair  
3. Then choose how you’d like to exchange - bid for a rate in the peer-to-peer marketplace or take the CurrencyFair’s current best available rate 
4. Once you’ve agreed your rate CurrencyFair sends your money to the bank account overseas at the agreed exchange rate and you’re done!

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CurrencyFair

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Starling business

Xoom

Total includes a promotional discount for new customers

Founded in the US. Focuses on immigrants that send small transfers to countries in South America, Asia or Africa. Super fast, with multiple receiving methods and more competitive rates for cash pick-up than MoneyGram, Western Union and Ria.

**Max:** up to £25,000 daily 
 
**Min:** £10

**Send by:** Debit / credit card (fees apply) | Bank transfer 

**Receive by:** Bank account | Cash pickup (100,000+ locations) | Mobile money | Home delivery (express options)
 
<hr />
 
**Security:** Regulated and partnered with the financial institutions of the countries they operate in

**Support:** 24/7 customer support

**Offers:** Delivery promise ‘on time or get your money back’. Often also have ‘first transaction’ offers
 
<hr />
 
**How to send money with Remitly**

1. Click ‘go to site’ and register with them online in minutes 
2. Enter your transfer details, your preferred collection method and recipients details 
3. Choose your method for payment 
4. Pay for your transfer and you’re done! 
 

[**See full review**](https://www.exiap.co.uk/reviews/remitly)

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Remitly

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OFX Business

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HSBC Business

**
Lloyds is a large and well established UK bank, which offers UK services as well as international accounts, which tend to be targeted at expats and high wealth individuals. Lloyds International is available in select countries only.

Lloyds is considered to be one of the UK’s Big 4 Banks, employs 45,000+ people, and has a strong branch and ATM network throughout the UK.

[Learn more about Lloyds international transfers](https://exiap.co.uk/guides/lloyds-international-transfer) in our full Exiap guide.

**\- Year founded:** 1765

\- **Coverage:** Lloyds UK serves customers in the United Kingdom, Lloyds International services are also available in select locations, including 9+ major developed countries 

\- **Currencies:** Lloyds UK accounts are GBP denominated - Lloyds International offers account services in a range of currencies. You can send money around the world with Lloyds

\- **Independent service quality survey results:** in August 2022, Lloyds ranked 8 of 16 major UK personal account providers, based on service

\- **Customer support:** available primarily in English if you bank with Lloyds UK, other languages may be available for Lloyds International customers

**

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Lloyds

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Wise Business

Well known brand. Over 20 years experience. Trade 60+ currencies to 170 countries. Great tools and mobile app. Competitive pricing with no fees, but not always the cheapest.

**Max:** $1 million
 
**Min:** No min

**Send by:** Bank transfer | Debit / Credit card (US, Canada, EU and UK only)

**Receive by**: Bank account only (no cash pick up available)
 
<hr />
 

**Security:** Regulated in every country they operate and registered with FINTRAC

**Support:** Service via email can be slow and phones are limited to business hours

**Offers:** They offer a gift voucher if you refer a friend
 
<hr />
 

**How to send money with XE**

1. Click ‘go to site' and register with them online, it‘s easy and will take no more than 5 mins
2. In some cases for security they will ask you to share proof of identity and/or address
3. Confirm the details of your transfer the recipients details and how you'd like to pay
4. Pay for your transfer and you're done!

**[See Full Review](https://exiap.co.uk/reviews/xe)**

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MoneyGram

Established in 1996. Global offices. Award winning service with local expert advice. Great phone service, but the website isn’t the simplest. Exceptionally good rates for larger transfers and no transfer fees. 

**Min:** £100

**Max:** £25,000 for online transfers; over the phone for larger amounts

**Send by:** Bank transfer | Debit card (credit cards not accepted)

**Receive by:** Bank account | Currencies Direct wallet 
 
<hr />
 

**Security:** Registered at federal level with the Financial Crimes Enforcement Network (FCEN)

**Support:** Exceptional support and insight from a dedicated Account Manager

**Offers:** Refer a friend and receive a gift voucher
 
<hr />
 

**How to send money with Currency Direct**

1. Click ‘go to site’ and register with them online in minutes or over the phone. 
2. You need to provide a copy of your identity documents such as driving license or passport or utility bill. 
3. When you’re ready you can transfer through the app or by phone. 
4. Share your transfer details, your preferred collection method and recipients details. 
5. Pay using a debit card or bank transfer and you’re done! 
 

**[See full review](https://www.exiap.co.uk/reviews/currencies-direct)**

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Currencies Direct

PayPal

With more than 500,000 agent locations, the global network and international reach that Western Union has, is their biggest strength.
 
**Max:** £5,000 per day

**Min:** No minimum
 
**Send by:** Bank transfer, cash, debit card, credit card 

**Receive by:** Bank account, cash pickup
 
<hr />
 
**Security:** Western Union are the biggest foreign exchange company. They are a public company, listed on the New York Stock Exchange. More details [here](https://ir.westernunion.com/investor-relations/corporate-governance/default.aspx)

**Support:** Phone, email and online chat support

**Offers:** Receivers can pick up cash at Western Union locations worldwide
 
<hr />
 

**Information needed to register a Western Union account**

1. Your full name 
2. Your phone number and email address 
3. Country of residence 
4. Your address 
5. Proof of ID 
6. Details about your money transfer needs
 

[**See full review**](https://www.exiap.co.uk/reviews/western-union)

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Western Union

Wise (formerly TransferWise) is transparent with their fees, cheap and easy to use.  Wise is trusted by over 10 million customers. They offer the same exchange rate you see on Google, plus a low up front percentage transfer fee.

**Max:** No max

**Min:** No min 

**Send by:** Debit / credit card (fees apply) | Bank transfer | Apple pay

**Receive by:**  Bank account | Wise wallet (no cash pick up available)
 
<hr />
 
**Security:** Licensed and regulated in all countries in which they operate - [read more](https://wise.com/?utm_source=exiap-co-uk&utm_medium=affiliate&utm_campaign=imt&utm_content=important-info)

**Support:** Great online help centre, web chat, email and phone support

**Offers:** They guarantee the rate you see, is the rate you pay  for 24-48 hours
 
<hr />
 
**How to send money with Wise:**

1. Click 'go to site' and register with them online. They offer even faster sign up options using your Facebook, Google or Apple ID.  
2. Set up your transfer and enter recipient’s bank details.  
3. For some currencies, or for large transfers you’ll be asked to send digital copies of your ID for verification. 
4. Pay for your transfer and you’re done! 
 

[See full review](https://www.exiap.co.uk/reviews/wise), or read more about [Wise business](https://exiap.co.uk/reviews/wise-for-business)

Wise

Businesses can choose between several different Revolut account plans, depending on the features and the volume of transactions they’re likely to make. Hold and exchange 25+ currencies including [target-currency-code], plus you can get regular and virtual cards for team members. Currency exchange uses the Revolut rate to the plan limit, with fair usage fees of 0.6% after that.

**Foreign Currencies:** 25+ currencies supported for holding and exchange

**Fees & Exchange Rates:** Monthly fees which depend on the plan you pick, Revolut rate to plan limit, then 0.6%. 1% out of hours fee can also apply

**International Transfers:** Send to 150+ countries. Some no-fee transfers may be offered based on your plan, then 5 GBP per transfer

**Debit Card:** Available

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Revolut Business

**

Monese was founded by an Estonian who moved to the UK and struggled to open a regular bank account because of inflexible account verification processes which effectively meant he was unable to open an account - without already having a UK bank account. Stuck in a Catch 22, he decided to come up with a better solution, launching Monese in 2015 as the UK’s first mobile app alternative to banks.

[Read more about Monese](https://exiap.co.uk/reviews/monese) on Exiap.

**\- Year founded:** 2015

\- **Coverage:** available in 30 countries

\- **Currencies:** hold and exchange 3 currencies, send payments to 34 countries

\- **Trustpilot score:** 4/5, Great rating, from 32,000+ reviews

\- **Customer support:** website available in 14 languages

**

Monese

Founded in 2010. Available in 150+ countries. Trusted by over 4 million customers worldwide.
 
**Max:** £50,000 (by bank transfer) 

**Min:** No min

**Send by:** Debit / credit card (fees apply) | Bank transfer | Apple pay 

**Receive by:** Bank account | Cash pickup | Mobile money | Airtime top-up | Home delivery 
*Methods vary by country*
 
<hr />
 

**Security:** Regulated by the UK’s Financial Conduct Authority (FCA)

**Speed:** In minutes except bank transfers or home delivery which take 1 – 2 days

**Support:** 24/7 customer support

**Offers:** New customers get first 3 transfers fee free
 
<hr />
 
 

**How to send money with WorldRemit:**

1. Click ‘go to site’ and register with them online in minutes 
2. Enter your transfer amount, your preferred collection method and recipients details 
3. Pay for your transfer. Payment methods will vary by country 
 

[**See full review**](https://www.exiap.co.uk/reviews/worldremit)

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WorldRemit

Transfer today to get this exclusive new customer rate 

Great for customers looking for personalised phone service, with a dedicated account manager.

**Max:** No max
 
**Min:** £100

**Send by:** Debit card | Bank transfer (credit cards not accepted)

**Receive by:** Bank account | TorFX wallet (no cash pick up available) 
 
<hr />
 
**Security:** Regulated by the Financial Conduct Authority (FCA) in the UK, and other global regulators as required by law
**Support:** Exceptional customer service available 24/7

**Offers:** They offer a gift voucher if you refer a friend
 
<hr />
 
**How to send money with TorFX**

1. Click ‘go to site’ and register with them online, it takes about 5 mins 
2. You’ll need to provide some identification too and it can takes a few hours to verify your identity 
3. After this you’ll receive your quote. Then fill in the recipients details 
4. Pay for your transfer and you’re done!
 

[**See full review**](https://www.exiap.co.uk/reviews/torfx)

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TorFX

Well known brand. Over 20 years experience. Trade 60+ currencies to 170 countries. Great tools and mobile app. Competitive pricing with no fees, but not always the cheapest.

**Max:** $1 million

**Min:** No min

**Send by:** Bank transfer | Debit / Credit card (US, Canada, EU and UK only)

**Receive by**: Bank account only (no cash pick up available)
 
<hr />
 

**Security:** Regulated in every country they operate and registered with FINTRAC

**Support:** Service via email can be slow and phones are limited to business hours

**Offers:** They offer a gift voucher if you refer a friend
 
<hr />
 

**How to send money with XE**

1. Click ‘go to site' and register with them online, it‘s easy and will take no more than 5 mins
2. In some cases for security they will ask you to share proof of identity and/or address
3. Confirm the details of your transfer the recipients details and how you'd like to pay
4. Pay for your transfer and you're done!

**[See Full Review](https://exiap.co.uk/reviews/xe)**

XE.com

Total includes special Exiap rate and no fees on all your OFX transfers

Founded in 1998. Largest Australian owned money transfer company. Easy to use products with exceptional customer service. Competitive rates especially for larger transfers.

**Max:** No max 

**Min:** £150

**Send by:** Bank transfer only (debit/ credit cards not accepted) 

**Receive by:** Bank Account | OFX wallet (no cash pick up available)
 
 
<hr />
 
**Security:** Over 55 regulators globally and listed on the Australian Securities Exchange

**Support:** Global support teams to help you round the clock

**Offers:** Unlimited fee free transfers – exclusive Exiap deal
 
<hr />
 
**How to send money with OFX**

Click ‘go to site’ and register with them online, it‘s easy and will take no more than 5 mins. 
Once you provide some ID, OFX will let you know when your account is ready. 
Once approved simply confirm the details of your transfer, your personal details and the recipients details. 
Pay for your transfer and you’re done!
 

[**See full review**](https://www.exiap.co.uk/reviews/ofx)

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