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 Money Transfer Services - UK
All listed services are safe & regulated 
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
1
Fast, low-cost international money transfers
Instant cash collection and mobile top-ups
Instant cash collection and mobile top-ups
2
Transparent pricing with no hidden fees
Multiple delivery options for recipients
Multiple delivery options for recipients
3
P2P exchanges for 20+ currencies
Multilingual support by phone / email
Multilingual support by phone / email
4
Many locations to collect cash quickly
GBP
PHP
Med Charges
5
Cost-effective for small transfers
GBP
INR
High Charges
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.
|
Service
|
Features
|
Score
|
Transfer Money Now
|
||||
|---|---|---|---|---|---|---|---|
|
1
|
Fast transfers to 130+ countries
Cash pickup and flexible payout options |
GBP
 EUR
Low
GBP
PHP
Low
GBP
INR
Low
|
FCA
|
||||
|
Time to Open Account
A couple of minutes
Sending Options
Bank transfer
Mobile app Receiving Options
Cash collection
Bank account Mobile money Airtime top-up Door-to-door Required Documents
ID documentation
Proof of address Mobile/app
transfers
Social media
support
SMS/email
notification
|
|||||||
|
2
|
Same-day express transfers
Real-time transfer tracking updates
Guaranteed transfer arrival time |
GBP
EUR
Low
GBP
TRY
Low
|
FCA
|
||||
|
Time to Open Account
About 3 minutes
Sending Options
Credit/debit card
Bank transfer Receiving Options
Bank account
Cash collection Mobile money Home delivery Required Documents
Bank statements
ID documentation Mobile
transfer
Phone
support
Two-factor
authentication
|
|||||||
|
3
|
Low fixed fee across all transfer sizes
Send 20+ currencies to 150+ countries |
GBP
EUR
Low
GBP
CAD
Low
|
FCA, ASIC, MAS
|
||||
|
Time to Open Account
A couple of minutes
Sending Options
Bank transfer
Mobile app Debit card Receiving Options
Bank account
Required Documents
ID: passport/driving licence
Proof of address (eKYC) Transparent
pricing
Phone
support
Fast local
transfers
|
|||||||
|
4
|
Send money online or through the app
Wide global network with cash pickup |
GBP
PHP
Med
|
FCA
|
||||
|
Time to Open Account
A couple of minutes
Sending Options
Bank transfer
Debit card Cash Receiving Options
Cash collection
Bank account Required Documents
ID documentation
Proof of address Mobile/app
transfers
Phone
support
Locked-in
exchange rates
|
|||||||
|
5
|
Supports multiple currencies
Simple self-service platform for sending |
GBP
INR
High
|
8.4
|
FCA
|
|||
|
Time to Open Account
A few minutes
Sending Options
Bank account
Credit/Debit Card PISP Swift Google/Apple Pay Receiving Options
Bank account
Required Documents
ID Documentation, Proof of Address
Travel Money
Mobile/App
Transfers
Multi-Currency
Card
 3,045+ Reviews | Excellent
|
|||||||
Customer Experiences
"I used worldremit for almost 6 years now,i must say its a good & quick remittance every time i sent money in Philippines.thank you so much Worldremit .!" - DenalynMorito, Verified Trustpilot Review
Pros
- Low costs incurred in transferring funds
- Friend referral bonuses available to clients
- Fully licensed and regulated by the FCA of the UK
- Flexible payment options: credit/debit cards, bank transfer and others
- Customer service available 24/7 in 6 different languages
Cons
- Not all countries are covered by WorldRemit services
- Transfer limit: max of $9,000 in 24 hours and $5,000 per transaction
"They have an amazing service. So fast and reliable. I am a regular user of Remitly money transfer and always satisfied with how they handle every stage of the process." - Sara, verified Trustpilot review
Pros
- The delivery time is guaranteed, otherwise, they will refund your fees
- Smooth transfers for sending money to family and friends in your home country
- Express and Economy options for sending money
- Accepts debit cards, credit cards, bank deposits, mobile money, and more
- Both you and the recipients can track your transfer every step of the way
Cons
- Promotional offers are a little vague
- Double security steps can be somewhat of an annoyance to customers
"Now my recurring transaction is up and running and my funds are paid in by standing order all I have to do now is nothing which is perfect. I also find it very easy to add recipients who I pay randomly and without problems."
– Philip Wood, verified Trustpilot review
Pros
- Regulation: CBI, ASIC, MAS and C&E HK regulated
- Reliable customer service: with native speakers in En, De & Fr
- Average commission of just 0.35%
- Refer friends to CurrencyFair and you could earn €50 each
- Currencies exchange: no minimum or maximum amount
Cons
- Sign up is restricted to certain countries
- Transfers can only be funded by bank transfers (no credit cards)
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer providers, to help you find the best option for your international transfer.
Safety
Check that your chosen money transfer provider is regulated by a financial authority to ensure your money is safe and protected when sent. The main regulators include:
– FCA (Financial Conduct Authority), UK
– ASIC (Australian Securities and Investments Commission)
– FinCEN (Financial Crimes Enforcement Network), USA
Customer Support
Check which customer support channels are available and convenient for you. These typically include email, online chat, phone, or an online ticketing system. Some money transfer services also provide a personal account manager to assist with specific transactions and important tasks. Check this in advance to avoid issues when you need help.
Fees & Rates
Some money transfer services charge a fixed fee, while others take a percentage of the transfer amount, and some waive the fee entirely. The exchange rate is another important factor that influences your overall cost, so it’s worth comparing carefully.
Sending & Receiving Options
Confirm that the sending options offered by your chosen provider are convenient for you. Also ensure your recipient can easily receive the funds. Common sending options include bank transfer and debit or credit card, while common receiving options include bank transfer and cash collection.
Transfers from the UK
Safety
The FCA, the UK’s main financial regulatory authority, oversees the activities of UK-based financial services. It’s highly recommended to use a company that’s registered and authorised by the FCA when transferring money from the UK.
Ease of Onboarding
Most top-rated UK-based money transfer services offer a completely digital account opening and user-authorisation process. Any required proof of ID documents can be supplied digitally, eliminating waiting times. With this option, new customers are able to complete the onboarding process online in just a few minutes.
Fees and Rates
The UK is at the centre of the modern FinTech industry, offering a wide range of money transfer services to choose from. This gives users the flexibility to pick providers with minimal or no transaction fees and competitive mid-market exchange rates. On average, users can save up to 8× on fees by using leading services such as XE instead of a high-street bank like Lloyds Bank.
