#AppArrives asBehind the top
1InstaremNPR 60,435.79Most arrivesInstarem gave the most that morning. It had no fee, and the rate was a small step below the real rate.
2WiseNPR 59,918.00NPR 517.79Wise gave the real rate from Google. The £4.53 fee is what put it £2.55 behind Instarem.
3Western UnionNPR 59,686.07NPR 749.72Western Union's fee was 50p. Most of the £3.70 gap to Instarem was in the rate, about 1.7 percent below the real one.
4SkrillNPR 59,593.40NPR 842.39Skrill had no fee. The rate was about 2 percent below the real rate. That cost roughly £6 on £300, and put Skrill £4.15 behind Instarem.
Wise's and Western Union's amounts have the fee taken out of the £300. Wise's price is for a bank account. Instarem, Western Union and Skrill each pay to more than one place in Nepal, and their rows do not say which. The comparison does not say how the sender paid.
What to actually open
If you already have Instarem installedUse Instarem.On £300 that morning it delivered 60,435.79 rupees for a zero fee. That was the best of the four apps that returned a fresh price for Nepal that day.
If you already have Wise installed and not InstaremWise is a fair pick.Wise gives you the real exchange rate, the one you see if you search "1 GBP to NPR" on Google. The fee that morning was £4.53. That fee is what put Wise in second place, not the rate. About £2.55 behind Instarem on £300 is small money, and Wise's own delivery estimate on this route that morning was 30 minutes.
If you have neither of themInstall Instarem.It delivered the most on this send size.
Do not open Skrill for this send.Its fee was zero. The cost was in the rate, about 2 percent below the real rate that morning, which on £300 is roughly £6. Western Union was a small step better than Skrill and still £3.70 behind Instarem. The reason was the same: a rate about 1.7 percent below the real rate.
For the whole route in one place, see how to send money to Nepal.
Catches
A few caveats before you press send. If your family wants the money on an eSewa or Khalti wallet, open the app and check the receiving screen. The price can change with where the money arrives, and not every app on the table above pays into those wallets.
Several apps did not return a fresh price for GBP to NPR on the Wise price comparison that morning. That group includes LemFi, Remitly, WorldRemit, Xoom, MoneyGram, Small World and TransferGo. They are missing from the table, not judged. If one of them is your usual app, or if your family wants cash pickup or a top-up straight to an eSewa or Khalti wallet, open the app and check the number yourself before you send.
How we checked
The check ran on Friday 25 September 2026, morning UK time. Prices come from the Wise price comparison for £300 to Nepal: Wise at 05:04, Instarem at 04:39, Skrill at 04:30, Western Union at 04:21. An independent rate feed matched Wise's rate to within a rounding error. We hold the raw JSON on file.
Corrections
- 2026-11-05: An earlier version of this page did not say that Wise's and Western Union's amounts have the fee taken out of the £300. It now does. No figure changed.
- 2026-11-05: An earlier version of this page said all of Wise's £2.55 gap was in its £4.53 fee. That fee is more than the whole gap, so those words are gone.
- 2026-11-05: An earlier version of this page said a bank deposit funded before mid-morning usually settles the same working day on Wise and Instarem, that a late Friday send may not settle until Sunday or Monday, and that a Friday morning send arrives during working hours in Nepal. We have no source for these, so the timing paragraph is gone, and Wise's own estimate of 30 minutes stays.
- 2026-11-05: An earlier version of this page gave the prices as ones for a bank transfer, said all four apps send to a bank account by default, called the table a bank deposit price, and its summary said a Nepalese rupee bank account. The comparison does not say that, so the page now says only Wise's price is shown to be for a bank account.
- 2026-11-05: An earlier version of this page said a wallet price is not the same as a bank price. We read that for Western Union only, so the page now says the price can change.
- 2026-11-05: An earlier version of this page called Skrill's zero fee a lure that hides its rate, quoted a "no fee" line on the front of its app, and said you do not see the loss anywhere on the screen. Skrill says it may make money on the exchange and that you can see the rate applied, so these lines are gone.
- 2026-11-05: An earlier version of this page called Instarem the clear pick and said its app is straightforward to set up, called Wise a familiar app, said many senders to Nepal reach for the apps missing from the table, and named IME and Prabhu Money Transfer for cash pickup. We have no source for these, so the lines are gone.
- 2026-11-05: An earlier version of this page said "this Friday morning" with no date in its summary and first line. These now say Friday 25 September.
- 2026-09-25: An earlier version of this piece said Skrill's rate "hides about £4 of loss on 300 pounds" and that 2 percent below the real rate "on 300 pounds is roughly £4". Skrill's rate is 2 percent below the real rate, so on £300 the hidden loss is about £6. The £4.15 figure is only the gap to Instarem, which is itself about 0.66 percent below the real rate. The Skrill row and the recommendation paragraph now name £6.