ST
Starling BankLocal bank networkRecheck with provider
1.17606Fee £1.10
€233.92Comparable completed bank-transfer quote
Open receipt10 Oct 2026, 00:53 UTC
Independent UK rate checks A fresh sweep every day
The rate looks decent.
What actually arrives?
We put the same £200 transfer through public provider calculators, then compare the amount at the other end. Each result keeps its dated screenshot. You can inspect the quote rather than taking our word for it.
✓ Visible fees counted✓ Introductory offers kept apart✓ Previous checks left on file
A fairer way to compare the quoteSame amount Same payment route Short checking window Proof kept
LATEST CHECK
See every provider and receipt →Latest results for sending £200.00 to Spain
Today's completed quotes can be compared. Older results remain visible in grey with their original dates.
CompanyRate and visible feeWhat arrivesOur receipt
AM
Atlantic MoneyBy 2026-10-14Recheck with provider
1.18057Fee £3.00
€232.58Comparable completed bank-transfer quote
Open receipt10 Oct 2026, 00:53 UTC
XE
XeNot a transfer quoteRecheck with provider
Best Rated1.18131Fee £0.00
€236.26Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
Xe mid-market reference only. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
TS
Taptap SendCheck providerRecheck with provider
1.18Fee £0.00
€236.00Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
Public destination calculator. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
IR
InstaremCheck providerRecheck with provider
1.1769Fee £0.00
€235.38Promotional quote, not ranked
Open receipt10 Oct 2026, 00:53 UTC
First-transfer Instarem offer. We keep the receipt, but a price available only to selected customers cannot win the standard table.
WI
WiseWise estimate PT1SRecheck with provider
1.1812Fee £1.18
€234.85Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
WU
Western UnionCheck providerRecheck with provider
1.16821Fee £1.99
€231.32Calculator evidence only
Open receipt10 Oct 2026, 00:23 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
RBS
RBSCheck providerRecheck with provider
1.15388Fee £0.00
€230.78Calculator evidence only
Open receipt10 Oct 2026, 00:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NW
NatWestCheck providerRecheck with provider
1.15388Fee £0.00
€230.78Calculator evidence only
Open receipt10 Oct 2026, 00:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWB
NatWest BusinessSEPA paymentRecheck with provider
1.15039Fee £0.50
€229.50Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
Business Current Account public indicative rate plus published payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
MO
MoneseCheck providerRecheck with provider
1.1805Fee £6.00
€229.02Calculator evidence only
Open receipt10 Oct 2026, 00:20 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
SK
SkrillCheck providerRecheck with provider
1.1254Fee £0.00
€225.08Calculator evidence only
Open receipt10 Oct 2026, 00:31 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
OFX
OFXCheck providerRecheck with provider
1.1534Fee £7.00
€222.61Calculator evidence only
Open receipt10 Oct 2026, 00:18 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWD
NationwideCheck providerRecheck with provider
1.15697Fee £15.00
€214.04Calculator evidence only
Open receipt10 Oct 2026, 00:20 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
LB
Lloyds Bank BusinessOnline international paymentRecheck with provider
1.14909Fee £15.00
€212.58Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
ECB reference rate less Lloyds' published 2.60% margin, plus £15 online fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
SAN
Santander UKInternational paymentRecheck with provider
1.14437Fee £25.00
€200.26Calculator evidence only
Open receipt10 Oct 2026, 00:53 UTC
ECB reference rate less Santander's published 3% markup, plus £25 payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
XM
XoomCheck provider
1.11572Fee £0.99
€222.04Previous result · not a current quote
Open receipt9 Oct 2026, 04:42 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
17 monitored providers have no saved result for this transfer
CurrencyFair, Ria Money Transfer, TransferGo, SingX, Remitly, Revolut, HSBC UK, Barclays, PayPal, Asda Money, Paysend, WorldRemit, ACE Money Transfer, Profee, OrbitRemit, MoneyGram, LemFi.
They are omitted from the table until we have a usable result for the amount and currencies shown. This does not mean the provider cannot offer the transfer.
A provider button may earn us money. The receipt link does not; it opens the evidence we stored independently.
Each provider shows its freshest saved result. Previous results and indicative rates stay out of today's cheapest-rate claim. All check dates use UTC.
PRICE AND SERVICE, SIDE BY SIDE
Build a company comparison →Which transfer company fits the job?
Compare fees, delivery, access to support and the customer feedback behind each company.
Companies with customer evidence
Read positive themes and reported problems, with original sources. Wider bank and account reviews are labelled separately from transfer-only feedback.
Browse the research →Routes with comparative context
Compare today’s coverage, the spread between observed offers and, where available, a dated historical cost benchmark.
Choose a route →Companies in one comparison
Put a bank beside a specialist or compare two apps. Focus on price, delivery or customer feedback to see their strengths and limitations.
Try the interactive comparison →THE CHECKING DESK
Read how a quote qualifies →Enough detail to catch a flattering rate
Use one ordinary transfer
New UK checks start with £200 sent from a bank account to another bank account. Historic records keep the amount used at the time.
Keep the checkout screen
We record the rate and fee, plus what reaches the recipient. The payment route and time sit beside the captured provider screen.
Keep the latest result and its date
A new check replaces the provider's displayed result. When today has no result, the previous one stays visible in grey and outside the price ranking.
ORIGINAL UK RESEARCH
Cash delivery carried a £2.10 adjusted difference in the historical data
Our Q3 2025 World Bank study models a £200 transfer and separates the adjusted estimate from 17 tightly matched cash and account offers. It examines 791 UK service records alongside financial-access data for 33 destinations.
Read the historical study and its method →£10.23 modelled cash cost per £200 · Q3 2025£4.79 modelled account cost per £200 · Q3 202517 tightly matched cash and account offers33 destinations with access context
TRANSFER ROUTES
Sending pounds abroad
Browse each route's rates, provider availability and dated evidence.
GBESUnited Kingdom to SpainGBP → EUR→GBFRUnited Kingdom to FranceGBP → EUR→GBDEUnited Kingdom to GermanyGBP → EUR→GBIEUnited Kingdom to IrelandGBP → EUR→GBITUnited Kingdom to ItalyGBP → EUR→GBNLUnited Kingdom to NetherlandsGBP → EUR→GBPTUnited Kingdom to PortugalGBP → EUR→GBPLUnited Kingdom to PolandGBP → PLN→GBCHUnited Kingdom to SwitzerlandGBP → CHF→GBUSUnited Kingdom to United StatesGBP → USD→GBCAUnited Kingdom to CanadaGBP → CAD→GBAUUnited Kingdom to AustraliaGBP → AUD→GBNZUnited Kingdom to New ZealandGBP → NZD→GBINUnited Kingdom to IndiaGBP → INR→GBPKUnited Kingdom to PakistanGBP → PKR→GBPHUnited Kingdom to PhilippinesGBP → PHP→GBAEUnited Kingdom to United Arab EmiratesGBP → AED→GBZAUnited Kingdom to South AfricaGBP → ZAR→GBNGUnited Kingdom to NigeriaGBP → NGN→GBSGUnited Kingdom to SingaporeGBP → SGD→GBHKUnited Kingdom to Hong KongGBP → HKD→
Sending money to the UK
Compare incoming transfers from Europe and beyond.
ESGBSpain to United KingdomEUR → GBP→FRGBFrance to United KingdomEUR → GBP→DEGBGermany to United KingdomEUR → GBP→IEGBIreland to United KingdomEUR → GBP→ITGBItaly to United KingdomEUR → GBP→NLGBNetherlands to United KingdomEUR → GBP→PTGBPortugal to United KingdomEUR → GBP→PLGBPoland to United KingdomPLN → GBP→CHGBSwitzerland to United KingdomCHF → GBP→USGBUnited States to United KingdomUSD → GBP→CAGBCanada to United KingdomCAD → GBP→AUGBAustralia to United KingdomAUD → GBP→NZGBNew Zealand to United KingdomNZD → GBP→INGBIndia to United KingdomINR → GBP→PKGBPakistan to United KingdomPKR → GBP→PHGBPhilippines to United KingdomPHP → GBP→AEGBUnited Arab Emirates to United KingdomAED → GBP→ZAGBSouth Africa to United KingdomZAR → GBP→NGGBNigeria to United KingdomNGN → GBP→SGGBSingapore to United KingdomSGD → GBP→HKGBHong Kong to United KingdomHKD → GBP→
Other international routes
Inspect the evidence for transfers between major currencies.
EUUSEuro area to United StatesEUR → USD→USEUUnited States to Euro areaUSD → EUR→USCAUnited States to CanadaUSD → CAD→CAUSCanada to United StatesCAD → USD→AUNZAustralia to New ZealandAUD → NZD→NZAUNew Zealand to AustraliaNZD → AUD→USAUUnited States to AustraliaUSD → AUD→AUUSAustralia to United StatesAUD → USD→EUCHEuro area to SwitzerlandEUR → CHF→CHEUSwitzerland to Euro areaCHF → EUR→
WHO IS BEHIND THIS
A rate table should have names attached to it
Finofin Limited
Finofin publishes OnlineMoneyTransfer.co.uk and has worked on financial comparison sites since 2015. Its longer-running Money Transfer Comparison project began in 2014.
Editorial responsibility
Meet the people checking the claims →Alon Rajic leads the research operation. Russell Gous runs the written side, drawing on earlier roles at Barclays Corporate Banking and WorldFirst.