Banks quietly charge poor exchange rates on international transfers. We compare the specialist services that save you money, on fees, rates, speed and coverage.
| Service | Score | Best for | Rate | Standout | |
|---|---|---|---|---|---|
Wise Top pick | 9.4 ★★★★★ | Most transfers | Mid-market | Real exchange rate, low clear fees | Visit Wise |
Revolut All-in-one app | 9.0 ★★★★★ | Everyday multi-currency | Great on plans | Hold and exchange many currencies | Visit Revolut |
TorFX Large transfers | 8.7 ★★★★☆ | Big & regular transfers | Dealer-negotiated | A dedicated dealer and rate guidance | Visit TorFX |
Fees, rates and country coverage change; always confirm the live quote and that the provider is available in your country before sending.
Our top pick for almost everyone. Wise uses the real mid-market exchange rate and shows a small, upfront fee, so you know exactly what arrives. Fast, transparent and trusted by millions.
The all-in-one app. Hold and exchange dozens of currencies, spend abroad and send money, all from one place. Excellent value on paid plans if you travel or transact internationally often.
The large-transfer specialist. For bigger sums, moving abroad or paying for property, a dedicated dealer and rate tools can save more than an app. Personal service where it matters most.
Our top pick uses the real exchange rate and a small clear fee, so more of your money reaches the other side.