#AppArrives asBehind the top
1InstaremBDT 49,324.97Most arrivesBest regular price this week. No visible fee, and a small gap to the real market rate.
2WiseBDT 48,870.59BDT 454.38Rate right at the real market rate, with a visible fee. The money arrives in about two days on this route.
3Xoom (PayPal)BDT 48,393.33BDT 931.64The least money arrived. A visible fee, plus a quiet gap in the exchange rate.
Checked Friday morning, 14 August: £300 sent through the apps with a fresh price this morning. Between the best regular price and the worst named one, the gap came to 931.64 taka. That is about £5.62.
The number to beat this week is Instarem's. Wise's rate is right at the real market rate. But on £300 to Bangladesh, the £5.00 fee Wise charges is worth more than the small gap Instarem takes in the rate. That gap is about 0.75 percent, worth about £2.26 on £300. On this morning's numbers, Instarem delivers about 454 taka more than Wise for the same £300 sent.
Rates checked Friday 14 August 2026, morning UK time. Wise's number is from Wise's live rate feed at around 05:05 UK time, alongside its own price comparison. Wise's own row in the comparison was sampled at 05:05 UK time. Instarem was sampled at 04:22 UK time and Xoom at 02:38.
To sanity-check the exchange rate, we cross-referenced open.er-api.com, an independent source: it puts the rate at 165.75 taka to the pound, within 0.05 percent of Wise's live rate. The rate matches.
Remitly is a special case this week. Its rate in the Wise price comparison this morning was 166.29 taka to the pound, sampled at 04:40 UK time. That number sits a fraction above the real market rate, which is the shape of an introductory offer rather than a plain regular price. Remitly is also running an offer of 168.71 taka to the pound on the Bangladesh route, but only on your first transfer, up to £100. The two rates are handled in the recommendation below rather than in the headline table.
Western Union's last sample in the comparison is from Tuesday 11 August at 19:20 UK time, close to two-and-a-half days old, so it is not in the table this week. Its quoted rate then was 165.50 taka to the pound, near the real market rate. LemFi, Taptap Send, Sendwave, WorldRemit, Skrill and Moneygram do not show a fresh price on this route in the comparison today.
What to actually open
If you already have Instarem installedOr you do not mind setting up a new app, use Instarem.On £300 this week it delivered the most taka of any regular price, with no visible fee. That is about £2.74 worth of taka more than Wise, and about £5.62 more than Xoom.
If you do not want to open a new appUse Wise.On £300 this week Wise gave 454 taka less than Instarem. The fee is on the screen, the exchange rate is the real market rate, and the money arrives in about two days on this route.
If you are a new Remitly customerThe first-transfer offer is worth taking, but read the catch first.The promotional rate of 168.71 taka to the pound only applies to your first transfer, up to £100. That first £100 delivers about 16,871 taka. The remaining £200 of a £300 send converts at Remitly's everyday rate, which sits in a band between 164.46 and 166.22 taka to the pound this week.
Add the two together and £300 on your first Remitly transfer arrives as somewhere between 49,760 and 50,110 taka.That is between about 440 and 790 taka more than Instarem this morning, or roughly £2.65 to £4.77 more. If you were going to open Remitly anyway, take the first-transfer offer. If you are only opening a new app for the send this week, Instarem is still a simpler answer with a plain everyday number.
Do not open Xoom for this send unless there is no other option.The visible £2.99 fee looks small. The exchange rate takes about 1.65 percent more quietly, worth about £4.89 on the money that gets converted. Once you add the fee and the gap to the real market rate, the full cost on £300 this morning comes to about £7.88. That is £5.62 more than Instarem took on the same £300, on the same morning.
For the whole route in one place, see how to send money to Bangladesh.
One thing the table cannot show
The table is for a bank-deposit send. It does not tell you how long the money takes to arrive.
Wise's own delivery estimate on this send is Sunday around midday UK time, about two days from a Friday morning quote. If it needs to arrive the same day or the next day, check the delivery time inside the app for your specific bank in Bangladesh before you send. A small provider difference in fee is not worth a two-day wait if the money is needed sooner.
Bangladesh Bank reported that money sent home to Bangladesh in the first nine days of August 2026 came to about 1.14 billion US dollars, up sharply on the same period last year.
Next Friday: another country, another number.
Corrections
- 2026-11-04: An earlier version of this page said Remitly's offer applied to the first £100 you ever send with them. The page now says your first transfer, up to £100.
- 2026-11-04: An earlier version of this page said Western Union's last sample was from Monday 11 August. 11 August was a Tuesday.
- 2026-11-04: An earlier version of this page said Wise's Sunday delivery estimate was close to two full working days. Sunday is not a working day, so the page now says about two days.
- 2026-11-04: An earlier version of this page's summary said most of the £5.62 gap was taken in the exchange rate. About £2.99 of it was the visible fee and about £2.63 was the rate, so those words are gone.
- 2026-11-04: An earlier version of this page called Wise the safe default and the safest, best-known option, and said a lot of senders would pay the £2.74 for it. We have no source for this, so the words are gone.
- 2026-11-04: An earlier version of this page said Bangladesh bank deposits are slower than India or the Philippines, that most other apps clear in one to two working days, and that providers were competing harder. We have no source for these, so the lines are gone.