If you are sending 200 pounds from the UK to a bank account in Poland, Lithuania or Romania tonight, TransferGo is often the cheapest app to open. Pick the free next-day option and the money lands in your family’s account the next working morning.
That is who the app was built for. Change any part of the send and the maths quietly changes with it.
Where TransferGo is genuinely the right app
TransferGo has spent years wiring itself into Poland, Lithuania, Romania, Ukraine and a short list of nearby routes. On those routes it has bank partnerships that let it undercut the general-purpose apps. Concretely:
- UK to Poland, sent as zloty to a Polish bank account.
- UK to Lithuania, sent as euros to a Lithuanian bank account.
- UK to Romania, sent as lei to a Romanian bank account.
Weekday send, next-working-day delivery, under about 500 pounds. On these sends the fee is often zero on the “Tomorrow” tier and the exchange rate is close to the real one. The app also happens to be in your language, and the support line answers in it. If that is your send, TransferGo is fine and you can stop reading here.
Where you should open Wise instead
The moment your send stops looking like the paragraph above, the maths changes.
Sending as euros, not zloty or lei. Two dated checks since early 2025 – one in January 2025, one in July 2026 – put the rate on small GBP to EUR sends between about 2 and 3 percent below the real rate. On 200 pounds that is around 4 to 6 pounds you never see, because it sits inside the rate rather than on the fee line. Wise charges a visible fee and gives you the real exchange rate. On a small euro send, Wise usually costs less in total.
Sending same-day or in the next 30 minutes. TransferGo’s faster tiers cost around 1.99 pounds for same-day and 2.99 pounds for a 30-minute send, sometimes more on other routes. If the money truly needs to be there in half an hour, pay it. Most of the time the “Tomorrow” option arrives by the next working morning, which is what most people actually need. Do not pay three pounds for eight hours you were not going to use anyway.
Sending more than about 500 pounds. The rate margin does not shrink much on larger sends. Wise’s fee scales with the amount, but its rate stays close to the market. Above 500 pounds, and clearly above 1,000, Wise almost always beats TransferGo on the total that arrives.
Sending outside TransferGo’s home routes. On sends to India, Nigeria, the Philippines, Kenya or the United States, TransferGo has no particular pricing advantage. Wise, or an app built for that specific route, will almost always cost you less.
One more note, for Revolut users. Revolut’s free plan lets you swap money without a fee up to a monthly limit, and only on weekdays. If you have not used up that limit, Revolut on GBP to PLN or GBP to EUR is free and lands in seconds. On those weekdays, for those amounts, Revolut beats every other app in this piece. Outside that free amount, or on the weekend, the maths goes the other way and TransferGo is often cheaper again.
What TransferGo hides in the rate
Here is what a 200 pound send to Poland looks like at recent rates, with the real market rate at around 5.05 zloty to the pound in early July 2026.
- Real exchange rate: 200 pounds is worth about 1,010 zloty.
- What TransferGo will typically show your family on a “Tomorrow” send: around 1,001 to 1,002 zloty.
- What TransferGo shows on the fee line: often zero.
- What TransferGo has actually kept: about 8 or 9 zloty, roughly 1.60 to 1.80 pounds, inside the rate.
On Poland that skim is small enough that TransferGo is still one of the cheapest apps for the send. On euros the same trick collects three or four times more per 200 pounds, which is why Wise wins on Lithuania and Romania when you can compare both before you press send.
Whichever app you use, the number that matters is not the fee line. It is the zloty, euros or lei your family sees in the account tomorrow morning. Compare that, and press send on whichever app puts more of them there.
One catch worth carrying
TransferGo runs an automatic check on some transfers and can hold your money for a few days while it asks for a payslip photo, a bank statement, or a screenshot of the message that triggered the send. It happens more often after your first send if that first send is above about 900 pounds, and again on your second or third transfer as identity checks kick in. If you are sending on a Thursday for something that needs to be there by Sunday, budget for the possibility. Weekend support is thin.
Where your money sits
TransferGo is a UK-regulated payment firm, authorised by the FCA with firm reference 991295. Your money sits in ring-fenced accounts at their partner banks, not in a bank account of your own. That means it is not covered by the UK bank compensation scheme the way money sitting in a normal UK bank account is.
The verdict
Small weekday send to a bank account in Poland, Lithuania or Romania, next-morning delivery? Open TransferGo. It is often the cheapest way to send it and the money lands looking right.
On anything else, open Wise first and compare the amount your family will actually receive. Most of the time, on those other sends, Wise gets more of your money home.