Cheapest way to send money to the UK · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 149.34 GBP | 0.7467 GBP/USD |
| Instarem | 148.45 GBP (−0.6%) | 0.7423 GBP/USD |
| Western Union | 146.66 GBP (−1.79%) | 0.7369 GBP/USD |
| Wells Fargo | 144.95 GBP (−2.94%) | 0.7248 GBP/USD |
| WorldRemit | 143.85 GBP (−3.68%) | 0.7265 GBP/USD |
| Wise | 143.7 GBP (−3.78%) | 0.7471 GBP/USD |
| OFX | 143.07 GBP (−4.2%) | 0.7337 GBP/USD |
| Chase (US) | 141.44 GBP (−5.29%) | 0.7253 GBP/USD |
| PayPal | 140.09 GBP (−6.19%) | 0.7184 GBP/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 746.69 GBP | 0.7467 GBP/USD |
| Instarem | 742.25 GBP (−0.59%) | 0.7423 GBP/USD |
| Wise | 739.42 GBP (−0.97%) | 0.7471 GBP/USD |
| Western Union | 736.21 GBP (−1.4%) | 0.7369 GBP/USD |
| OFX | 730.01 GBP (−2.23%) | 0.7337 GBP/USD |
| WorldRemit | 725.04 GBP (−2.9%) | 0.7265 GBP/USD |
| Wells Fargo | 724.75 GBP (−2.94%) | 0.7248 GBP/USD |
| Chase (US) | 721.72 GBP (−3.34%) | 0.7253 GBP/USD |
| PayPal | 714.77 GBP (−4.27%) | 0.7184 GBP/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Remitly wins at $200 and Remitly at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000