Compare honestly.

These five checks work on any provider, including us. Run them at the moment you are about to send.

1. Compare the amount that arrives. A provider can advertise a zero fee and still take more than one charging five dollars, by quoting a worse exchange rate. Fee and rate are two halves of one price, so judge them together. Enter the same amount on both sites and compare the one number each says the recipient will receive.
2. Compare at the same moment. Exchange rates move all day. Two screenshots taken an hour apart tell you how the market moved in that hour and little about the providers. Open both quotes at once.
3. Check the rate is held, and for how long. A quote that is only indicative can move between the moment you accept it and the moment the money is taken. Look for the point at which the rate is confirmed, and what happens if it changes after that.
4. Check what the recipient has to do. Some payouts require the recipient to collect the money, register with a service, or hold a particular kind of account. If a transfer arrives sooner but the recipient has to travel to a branch for it, count the trip in the delivery time.
5. Check who is regulated, and where. Find the licensed entity that holds and moves the money, and the jurisdiction it is licensed in. That entity may differ from the brand on the website, and it is the one your money is protected by.

• ComplyRemit vs Wise

  Wise is a large multi-currency transfer and account provider, operating in most major corridors and well known for publishing its fees against the mid-market rate.

• ComplyRemit vs Remitly

  Remitly is a remittance-focused provider covering a wide set of corridors, offering both a faster priced tier and a slower economy tier.

• ComplyRemit vs Xoom

  Xoom is PayPal's international transfer service, with wide corridor coverage and payout options including cash pickup in many countries.

• ComplyRemit vs Western Union

  Western Union is the longest-established money transfer network, with a physical agent presence in most countries in the world.

• The rate you are shown is the rate you are charged. The recipient amount on the review screen is what is credited. We do not add a margin to the exchange rate and then call the transfer free.
• Built for one corridor. The live corridor is the United States to India, and the product is shaped around it. Payout to a UPI ID is a full option beside bank payout, and we ask the sender directly whether the account is NRE or NRO.
• Compliance is described in full. Our compliance page describes identity verification, sanctions screening and the regulated partner that holds the funds, and it names our subprocessors. Most providers disclose less than this and put it further from the front page.

Exchange rates and fees move, and a figure we publish about another provider is a figure we cannot keep current or substantiate on their behalf. Printing one would make this page look more useful and be less true. The comparison on our home page is computed at the moment you load it and is labelled indicative for the same reason.