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.
Top 10 Money Transfer Services - Spain to Nigeria
All listed services are safe & regulated 
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
1
Instant card-to-card transfers
Multilingual Global 24/7 support
Multilingual Global 24/7 support
2
Bank-beating rates with no transfer fees
Dedicated expert support every step of the way
Dedicated expert support every step of the way
3
No fees on transfers over £/$/€250
Bank beating exchange rates
Bank beating exchange rates
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
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Features
|
Score
|
Transfer Money Now
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|---|---|---|---|---|---|---|---|
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1
|
Low fixed fees: $2
Instant card-to-card transfers
Multilingual Global 24/7 support
Send money to 100+ countries |
EUR
 PLN
Low
EUR
CNY
Low
EUR
BYN
Low
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Credit/Debit card
Bank account Receiving Options
Credit/Debit card
Bank account Required Documents
Passport/ID/Driver’s Licence, Proof of address
Mobile/App
Transfers
24/7 Customer
Support
Instant
Delivery
|
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|
2
|
Personal currency expert for every transfer
Specialist support for large transfers
Trusted by hundreds of thousands |
GBP
 EUR
Low
GBP
EUR
Low
GBP
USD
Low
|
FCA, FinCEN, FSCA
|
||||
|
Time to Open Account
Up to 2 minutes
Sending Options
Debit card
Bank transfer Receiving Options
Bank account
Required Documents
Photo ID
Proof of address Spot contracts and
forward contracts
Rate
alerts
5-star
Trustpilot
|
|||||||
|
3
|
No fees on transfers over £/$/€250
Transfer speed: 1-2 hours |
EUR
GBP
Med
EUR
USD
Med
|
FCA, FinCen, ASIC
|
||||
|
Time to Open Account
Up to 2 minutes
Sending Options
Bank account
Debit or credit card Wire transfer Receiving Options
Bank account (up to 4 days)
Required Documents
ID, proof of address
Money Transfer
Tracking
Live
Rates
Advanced
Currency Solutions
|
|||||||
|
4
|
Send money to over 130 countries
Instant cash pickup and mobile top-ups |
EUR
PHP
Med
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Bank account
Mobile app Receiving Options
Cash pickup
Bank transfer Mobile money Airtime top up Door-to-door Required Documents
ID documentation
Proof of address Mobile/app
transfers
Social media
support
SMS/email
notification
|
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|
5
|
Holds more than 50 currencies
Cost-effective for small transfers |
EUR
PKR
Med
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Bank account
Credit/debit card PISP SWIFT Google Pay / Apple Pay Receiving Options
Bank account
Required Documents
ID documentation
Proof of address Travel money
Mobile/app
transfers
Multi-currency
card
|
|||||||
|
6
|
Global support team available 24/7
No maximum limits on transfers |
EUR
AUD
High
|
FCA, ASIC
|
||||
|
Time to Open Account
Up to 5 min
Sending options
Bank Account
Wire Transfer Debit Card Receiving Options
Bank Account
Required Documents
ID Card, Proof of Address
Additional requirements for Businesses Bank-beating
rates
Secure
platform
No hidden
fees
|
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Customer Experiences
"The speed of remittance is very fast, and the remittance fee is also very favorable. Hope more people will use this money transfer software"
Pros
- Cost-effective with fixed fees ($2, €1.5, £1), at mid-market rates
- Global coverage: Paysend is operational across 100+ countries globally
- Easy to use, thanks to a user-friendly onboarding process
- Global 24/7 support: available on live chat, email and phone
Cons
- Paysend customer support options can take a few minutes to respond
- Once you incorrectly click send, you cannot cancel the transaction
"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 430,000 active clients & 25+ offices worldwide
- £10bn transferred annually
- Award-winning money transfer services
- You can transfer by phone, online, or via their app
Cons
- Online transfer limit of £50,000 (or currency equivalent)
- Works best for large transfers (£2000+)
"XE is reliable trusted and smooth for sending money overseas . When sending larger transactions, it is the best and safest." - Karl, verified Trustpilot review
Pros
- Fully regulated by the FCA, FinCen, ASIC, and FMA.
- $0 fees per transaction with highly competitive “mid-market” exchange rates
- Free accounts (personal & business)
- The worlds most downloaded money transfer app
- Instant and professional customer support 24/7
Cons
- Cheques and cash payments are not accepted
- Maximum transfer amount of $500,000 (or currency equivalent)
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.