Why "zero fees" is not enough
Most providers earn on the exchange rate, not the fee: they give you a rate below the market and keep the difference. So we calculate the total cost = the fee plus the value of that rate gap, and compare offers by what actually arrives.
- The mid-market rate here is a reference for comparison; you usually cannot transfer at it.
- Since January 1, 2026 a 1% tax applies to transfers funded with cash or money orders, not to transfers from a bank account or card.
- Yemen, Syria and Sudan have more than one exchange rate (official and parallel), so they are not in this comparison; ask the recipient which rate will apply and read our country guides.
Mid-market source: ExchangeRate-API (open.er-api.com), last updated Nov 11, 2026 00:02 UTC. Calculations run in your browser; we store nothing you type.