Providers

Paysera gives someone in Lithuania a real account number and thirty free euro transfers a month. For UK senders, the £15 pound-to-euro funding fee makes Wise or Revolut the better answer almost every time.

Starling runs its own international transfer engine, at a small conversion fee and a delivery fee that hurts on most countries. On most sends Wise still lands more, but for a small send to one of the few countries Starling has a cheap connection into, from an already-open app, Starling is fine.

On a weekday, inside the free monthly allowance, Revolut Standard is often the cheapest way to send to Europe. On the weekend, or on routes like Kenya, the maths changes fast.

Sendwave says every send is free. It is, on the fee line. The cost is inside the rate. On Ghana, Kenya and Senegal, here is when Sendwave is the right app to open and when Wise, LemFi or WorldRemit lands more.

The Post Office international counter is a Western Union desk in a red uniform. On 300 pounds the quiet extra is small. Here is when it still fits, and when to open Wise instead.