Free
2025
How much does sending money abroad really cost?
Banks hide fees in the exchange rate. Enter the amount you want to send, pick your currency, and see exactly what each provider takes — in real pounds.
The hidden FX margin is the real fee
A high-street bank might advertise "no transfer fee" — but they make their money on the exchange rate. On a £2,000 monthly transfer that could cost you £300+ a year.
Your transfer
How much are you sending and where?
Rates shown are indicative spreads based on typical published margins. Actual rates vary by amount, time and market conditions. Always check live rates before transferring.
Provider comparison
Mid-market rate (XE.com basis):
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💡 5 ways to cut your FX costs
1. Use a specialist FX provider. Wise, OFX and Currencies Direct typically offer 5–8× better rates than high-street banks for large transfers.
2. Consider a regular transfer plan. OFX and Currencies Direct offer discounted rates for regular monthly transfers — ask for a dedicated dealer.
3. Use forward contracts for large amounts. Lock in today's rate for a transfer up to 12 months away — protects against currency swings.
4. Avoid airport and hotel exchange desks. These typically charge 10–15% above mid-market — some of the worst rates available.
5. Batch transfers where possible. Fixed fees hurt small transfers more. Sending one larger transfer monthly beats several small weekly ones.
Guidance only. FX spreads shown are indicative, based on typical published margins for each provider type. Actual rates depend on amount, timing and market conditions. Rates change constantly. This tool does not constitute a quote. Always verify live rates directly with providers before transferring.