Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
1
P2P exchanges for 20+ currencies
Multilingual support by phone / email
Multilingual support by phone / email
2
Good for SMBs / Mass payment solutions
Personal customer service
Personal customer service
Advertiser Disclosure
Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
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Service
|
Features
|
Score
|
Transfer Money Now
|
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|---|---|---|---|---|---|---|---|
|
1
|
Next-day transfers at low-margin rates
Repatriate profits & Invoice payments |
EUR
 CHF
Low
EUR
GBP
Low
EUR
AUD
Low
|
ASIC
|
||||
|
Transfer Speed
0-2 Days
Onboarding Simplicity
Xero integration
(business)
Phone
support
Payment
tracking
|
|||||||
|
2
|
Tailored account for online sellers
Partner with an expert
Zero transfer fees |
EUR
 GBP
Low
EUR
USD
Low
|
FCA, ASIC
|
||||
|
Transfer Speed
0-3 Days
Onboarding Simplicity
Mobile
Transfers
Best for
Ecommerce
24/7 Support
|
|||||||
|
3
|
Dedicated account manager for transfers over £2,000
Easily schedule recurring and bulk transfers |
EUR
GBP
Low
EUR
USD
Low
|
FCA, FinCEN, FSCA
|
||||
|
Transfer Speed
0-3 Days
Onboarding Simplicity
Spot
Contracts
Currency
Wallets
Multiple
Payments
|
|||||||
|
4
|
Global payments for growing businesses
Same-day international transfers |
EUR
GBP
Low
EUR
USD
Low
|
8.8
Review
|
ASIC, FCA, SFC, FINTRAC
|
|||
|
Transfer Speed
0-3 Days
Onboarding Simplicity
Corporate cards
Fast setup
Competitive
FX rates
|
|||||||
|
5
|
Personal manager for every transfer
Competitive exchange rates with no fees |
AUD
GBP
Med
|
FCA, ASIC, MAS
|
||||
|
Transfer Speed
1-2 Days
Onboarding Simplicity
Spot and
forward contracts
Phone
support
Limit
orders
|
|||||||
|
6
|
Manage international payments
No Min/Max transfer amount |
EUR
GBP
High
|
FCA, FinCen, ASIC
|
||||
|
Transfer Speed
0-2 Days
Onboarding Simplicity
Mass
Payments
FX
Tools
Advanced
Currency Solutions
|
|||||||
|
7
|
Good fit for online sellers
Seven local currency accounts |
EUR
GBP
High
|
FCA, ASIC
|
||||
|
Transfer Speed
0-3 Days
Onboarding Simplicity
Sync
with Xero
Free
rate alert
Batch
Payments
|
|||||||
Latest Reviews
"I've used it for a few years and it's always been very easy, quick and reliable. Rates are very competitive. Definitely recommend."
Pros
- ASIC and AFS regulated
- Free to register
- Reliable customer service
- Average commission of just 0.35%
Cons
- Platform is not entirely user-friendly
- Details of withdrawal fees are not easily found
- Certain countries are not eligible to use the service
"OFX are the best. I've used them for years, always efficient, reliable and the best rates to boot." - Nina Roberts, verified Trustpilot review
Pros
- 197 countries covered, more than 50 currencies exchanged
- Local collection accounts set up quickly and cost-free.
- Better exchange rates than banks
- No transfer fees/commissions
- Secure, safe and fully regulated in every one of the covered jurisdictions
- Suppliers and VAT invoices can be paid from the virtual collection accounts in the same currency
Cons
- No Live Chat Support
- Sometimes exchange rates aren’t obviously better
- Somewhat cumbersome for those sending payments
"CD took any stress and confusion out of the situation. This is the first time I have had to use a service like this but wouldn't look to anyone else in the future."
- Drae, verified Trustpilot review
Pros
- No transfer fees or hidden charges
- Over 210,000 active clients
- £4.5bn transferred annually
- Award-winning service
- Transfer over the phone, online or via their app
- 18 worldwide offices
- 60+ currencies to choose from
Cons
- Online transfer limit of £25,000 (or currency equivalent)
- Works best for large transfers
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies so you can find the best provider for your international transfer.
Safety
Check your chosen money transfer provider is regulated by a government authority, to ensure your money is safe & protected when transferred. The main regulators include:
– FCA (Financial Conduct Authority), UK
– ASIC (Australian Securities and Investments Commission)
– FinCEN (Financial Crimes Enforcement Network), USA
Fees & Rates
Some money transfer services charge a fixed transaction fee, others take a percentage of the transfer sum, while some services waive the transfer fee completely. The conversion rate is another money-maker for many services and as such poses yet another crucial pricing component to examine carefully. Consider the above to find the most cost-effective solution for your transfer.
Customer Support
Check the customer support channels available are convenient for you. These generally include email, online chat, phone or online ticketing system. In addition, some money transfer services provide a personal account manager to assist with special transactions and important tasks. Try checking this beforehand, to avoid stress when you need help.
Sending & Receiving Options
It’s important to confirm the sending options offered by your preferred money transfer provider are convenient for you. You should also ensure that your recipient is able to easily collect the money sent. Common sending options include bank transfer or credit card. Common receiving options include bank transfer and cash pickup.
Transfer Amounts
Another important element to consider is the amount of money you wish to transfer. Some services offer better features and benefits for large transfer amounts or business transfers, while others better handle small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.