Send money to Lithuania from the UK - which app to open, and when

• It is a weekday and you are inside your £1,000 free monthly amount. Open Revolut. It charges no fee, and its cost is in the exchange rate it sets.
• It is a weekday and you already bank with Starling. Open Starling and choose the low-cost option. It charges a 0.4 percent fee to change pounds into euros and 30p for delivery, so check the euros that arrive.
• It is the weekend, or you have used your free Revolut amount. Open Wise. It uses the real exchange rate and shows its fee before you send.
• You were about to open your HSBC, Barclays, Lloyds or NatWest app. Do not. The screen may say "no fee", but the cost is hidden in the exchange rate.

What £200 delivered on 4 November 2026

Revolut, Wise and TransferGo are their own quotes. We worked out Starling's figure from the rate on its website calculator, minus its two fees. We did not see the screen in the Starling app. We worked out the Lloyds figure from the real exchange rate and the 3.55 percent that Lloyds' own page says is in its rate. The other bank figures are from the Wise price comparison, collected between 30 October and 4 November.

Revolut's rate was about 50p behind the real exchange rate. The Wise fee was £1.18. Of the four banks, HSBC delivered the most, at €234.42. Across the four, the rate cost about £4.40 to £7.10.

Starling and Wise were level on this send. On Starling's other option, SWIFT, delivery costs £5.50, so about €232 would arrive.

Why this send is cheap

Lithuania uses the euro. So the cost of your send is mostly the cost of changing pounds into euros. Sending the euros after that can cost nothing: Revolut lists payments in euros between European countries as free, and Starling has no fee for sending from its euro account. The bank in Lithuania might charge to receive the money. Ask the person you are sending to.

The catch is on the UK side. Wise uses the real exchange rate, the one Google shows you when you search what the pound is worth in euros, and charges a small fee you can see. Revolut sets its own rate. Starling works out its rate from rates it gets from market providers. The big UK banks use a worse exchange rate, and hide the cost there.

The apps to know

On its free Standard plan, Revolut adds no extra fee to change pounds into euros on a weekday, up to £1,000 a month. That amount counts all exchanges in the app. It resets each rolling month, and the app shows your date under Your plan or Your limits. Past that, Revolut adds 1 percent on the amount over £1,000. It also adds a weekend fee, explained below.

Wise gives you the real exchange rate and a small fee you can see. It does not add a weekend fee. By Wise's own count, about three-quarters of transfers arrive in under twenty seconds. But a transfer sent over the weekend may only be processed on the next working day. If you cannot use Revolut for any reason, use Wise.

Starling lets you open a euro account inside its app with no monthly fee. It has no fee for sending euros from that account to Lithuania. Your cost is changing pounds into euros inside Starling. That is a 0.4 percent fee, or 80p on £200.

The Starling app can also send euros to Lithuania as an international payment, with the same 0.4 percent fee and a delivery fee. Go to Payments, tap Add a payee, then tap the payee's name and tap Pay. You choose the delivery: 30p for the low-cost option, or £5.50 for SWIFT. Its website calculator starts on SWIFT, so check which one you have chosen. Starling says the low-cost option can be harder to track, and it cannot promise your name and reference reach the bank exactly as you typed them. For an important payment, such as a bill, it says you may want SWIFT.

TransferGo is registered in London and authorised by the UK regulator, and it has a Lithuanian company in Vilnius. Its screen can show no fee and keep the cost in the rate. So compare the euros that arrive before you send.

Paysera is a Lithuanian app for the person in Lithuania who is receiving the money. Tell your family to open Paysera if they want it. Do not try to use it as the sender if Wise or Revolut is available to you.

What to watch for

From 5pm Friday to 6pm Sunday New York time, Revolut Standard adds 1 percent on every exchange. That is about 10pm Friday to 11pm Sunday UK time. If you send during the day on Sunday, you pay it. If you wait until Monday, you do not.

Starling sends nothing at the weekend or on a bank holiday. It processes international payments from 2am Monday to 10pm Friday, and a payment from its euro account leaves on the next working day. If you change money between your own Starling accounts on those days, Starling adds 0.5 percent to the rate, and the money still does not leave until the next working day. If you can, send Monday to Friday, before 10pm on Friday.

A big UK bank's app may show no fee on a euro transfer. The cost is then in the rate the bank uses to change your pounds into euros. To check, open your bank app and another app side by side. Type the same pound amount into both and look at how many euros arrive at the other end. Use the one that delivers more.

Corrections

• 2026-11-05: An earlier version of this page called Starling's international payment a "Send money abroad" button in its app, and said the button works from 2am Monday to 10pm Friday. We could not confirm that label in the app, so the page now gives Starling's own steps and says Starling processes these payments in those hours.
• 2026-11-04: An earlier version of this page said the total cost with Revolut was zero, that Revolut uses the real exchange rate, and that its money arrives in seconds. Revolut sets its own rate, which was about 50p behind the real rate on £200 on 4 November 2026. Revolut's page for Lithuania says a bank transfer usually arrives in seconds, and also that it generally arrives within minutes, so "arrives in seconds" was too firm and the line is gone.
• 2026-11-04: An earlier version of this page called this the cheapest way to send and basically free, and called Revolut the option to beat and Starling the cheapest mainstream UK option. We cannot show this for every app, so these lines are gone and the page now shows what £200 delivers.
• 2026-11-04: An earlier version of this page said Revolut's weekend fee starts late on Friday evening UK time, and counted the free amount as "this month". The fee starts about 10pm on Friday, and the free amount resets each rolling month.
• 2026-11-04: An earlier version of this page said Starling uses the real exchange rate and adds 0.5 percent on Saturday and Sunday. Starling says it works out its rate from market providers. On 4 November 2026 the rate on its website calculator was within 0.1 percent of the real rate. Starling adds the 0.5 percent at the weekend and on bank holidays only when you change money between your own Starling accounts, and it sends no international payments on those days.
• 2026-11-04: An earlier version of this page said money sent with Wise arrives in seconds at the weekend too, and that Wise has no monthly cap. Wise says a weekend transfer may only be processed on the next working day, and the cap line is gone.
• 2026-11-04: An earlier version of this page said new UK users can get the first two TransferGo transfers free with a referral link, that its pricing is competitive on small amounts and its transfers fast, that it is Lithuanian-founded and the Lithuanian-run app to use, and that comparison websites often forget it. TransferGo's pages do not show the offer, and on 4 November 2026 Wise delivered more, so these lines are gone.
• 2026-11-04: An earlier version of this page said the four banks cost £5 to £7 on £200 and that the bank app always shows "no fee". Two of the four were under £5, so the page now shows the range.
• 2026-11-04: An earlier version of this page said most Lithuanian banks do not charge to receive euros, that the UK is still in the euro payment network as before Brexit, that a weekend fee eats most of the saving, and that Paysera has no UK pound account. We could not source these lines today, so they are gone.
• 2026-07-12: An earlier version of this page said Revolut's free monthly currency conversion allowance was 1,000 euros (about £850). The actual cap on Revolut Standard in the UK is £1,000 (about 1,180 euros) per month. The figures on this page have been updated to match Revolut's current fee page.