Rays-Finances.co.uk
Rays-Finances.co.uk

Compare money transfer providers before you send money abroad

Rays-Finance.Co.Uk re-imagin the way to making international money transfer cheaper than ever.

High street banks charge high fees for international wire transfers, and sometimes, they would even charge commissions on top of that.

Our experts have reviewed, rated, and compared more than hundreds of international money transfer companies (banks and non-banks providers) to help you save time, money and get highly competitive exchange rates when transferring money abroad..

What are our guidelines to help our readers to make the right choice among thousand of companies and banks?


  • Exchange rates: This is the rate at which your money will be converted to your target currency. Some transfer companies offer lower fees but weaker exchange rates, while others charge no fees but profit from the margin between its rate and the mid-market rate
  • Fees: Transfer companies and banks will usually charge fees for making a transfer. Fees can vary widely depending on who you’re transferring with.
  • Payment methods: by credit or debit card, bank account transfer or cash?
  • Speed: Sometimes you or a loved one is in an emergency and needs funds quickly — and in cash. Thankfully there are global money transfer providers with tons of agent locations that allow you to pay and pick up in cash, often within minutes.
  • Reputation: Long Track Record, No Negative Reviews.
  • Regulation: All Money Transfer Companies recommended by Ray's are supervised by the Financial Conduct Authority.
  • Features: Can you send money online, by phone, at a branch or using a mobile app on your smartphone or tablet?
  • Reach: Amount Of Currencies Available, Multiple International Offices.


Our professional experts are proud to devote a lot of time and resources into reviewing each money transfer and exchange provider.

Comparison is not only based between different websites that recommend the cheapest price and the lowest fees.

It's a part of what we do, but it's not our main goal.

We really conduct a Due Dilligence as we would make before engaging with any global business partner.

We sincerely hope that our readers appreciate our work and choose their Money Transfer Provider from all those listed on our website


Our Top Recommendations Money Transfer Providers

TransferWise: Our rating = 100% - 'excellent'

TransferWise

Our rating = 100% - 'excellent' rating on Trustpilot - over 35,000 reviews
TansferWise is our 1st recommendation

Great exchange rate - you get the true, mid-market rate, independently provided by Reuters, and free from hidden markup. A low-cost, transparent transfer fee – shown clearly upfront Fast, online transfers 24/7 - plus phone support and transfers on the go with an award-winning app.

          Currencies supported: 40
          Min. transfer amount: $1
          Transfer speed: Online
          Transfer Fees: from 0

AZIMO: Our rating = 97.9%

AZIMO

Our rating = 97.9%
Azimo is our 2nd recommendation

Based in London, Azimo provides online money transfer services in over 190 countries, offering them convenient ways to pay and fair, transparent pricing.

Save up to 90% vs. your bank or other online money transfer provider

      Currencies supported: 190
      Min. transfer amount: $1
      Transfer speed: 1 hour
      Transfer Fees: it starts form 0

Rays-Finances.co.uk
HiFX Our rating: 94%

HiFX

Our rating: 94%


Transfer Speed: 2 days
Currencies supported: 30
Min. Transfer Amount: USD $100
Transfer Fees: $ 0 if you send > £3000

CONTACT First Russian Payment System

CONTACT

First Russian Payment System
Our rating = 94.1%


Transfer Speed: 1 hour
Currencies supported: 190
Min. Transfer Amount: USD $20
Transfer Fees: $ 5

WESTERN UNION

WESTERN UNION

Transfer Cash Worldwide
Our rating = 92.1%


Transfer Speed: 5 m.
Currencies : 200
Min. Transfer Amount: USD $20
Transfer Fees: from 1.90

TORFX

TORFX

Free transfer
Our rating = 92%


Transfer Speed: 1 day
Currencies: 200
Min. Transfer Amount: USD $1
Transfer Fees: 4

HSBC

HSBC

Send money online for just £4
Our rating = 91,7%


Transfer Speed: 2 days
Currencies supported: 59
Min. Transfer Amount: USD $100
Transfer Fees: 0

LLOYDS BANK £100,000 online per day

LLOYDS BANK

£100,000 online per day
Our rating = 90,9%


Transfer Speed: 1 days
Currencies supported: 30
Min. Transfer Amount: USD $1
Transfer Fees: 20

Are you expatriate?

More than 230 million people live abroad. Depending on the exact definition of expatriates, the following groups of international migrants can be counted as part of the expatriate market

We believe that more than 230 million people represent an important market for all money transfer providers. Among thousand of Money transfer companies we select the best ones to make your life easier.

Rays-Finances.co.uk
MoneyCorp Safeguarded customer funds Our rating: 90%

MoneyCorp

Safeguarded customer funds
Our rating: 90%

Transfer Speed: 24 hours
Currencies supported: 90
Min. Transfer Amount: £1
Transfer Fees: £5.

worldremit.com

WORLDREMIT

Low cost, fast, Simple
Our rating = 88.1%

Transfer Speed: 1 hour
Currencies supported: 190
Min. Transfer Amount: USD $1
Transfer Fees: $ 5

Ria

RIA

316 000 locations Worldwide
Our rating = 84.9%

Transfer Speed: 24 hours
Currencies supported: 100
Min. Transfer Amount: USD $20
Transfer Fees: 5.90.

currenciesdirect

CurrenciesDirect

Free transfer
Our rating = 82,8%

Transfer Speed: 1 day
Currencies supported: 63
Min. Transfer Amount: USD $100
Transfer Fees: 0

Rays-Finances.co.uk

GUIDES

How do International money transfers work?
Wire transfer, bank transfer or credit transfer is a method of electronic funds transfer from one person or entity to another. A wire transfer can be made from one bank account to another bank account or through a transfer of cash at a cash office

When you need to send money fast, a wire transfer is often a good choice. Wire transfers are immediate, reliable, and safe

Transferring a large sum of money internationally
Are you buying a property overseas or making a large investment of any kind in another country? The only question pression on you mins is the need to find a reliable company that can transfer a large sum of money
An important factor to consider while sending such large amount is to get the best exchange rate possible. Even small variations in exchange rate can make a huge difference if the number is big. But the main concern should be the safety and security of the transaction.

Can I transfer money internationally instantly?
Sometimes you need to send money overseas in a hurry – perhaps a friend or relative needs some emergency cash, or maybe you are trying to secure a deal and need a fast payment.
If you want to transfer money from your current account to an account overseas, most banks and building societies offer an express service. It’s not exactly instant, but the money could arrive within a day. However, you will pay the price. The fees for express services vary but can be as much as £40.

WHAT OUR FANTASTIC USERS SAY

“It's really unbelievable! I have been using my bank for years and I pay the fees that I found exorbitant. Since I know your site I realize that my bank took me for a pigeon. I thank your team for spending time looking for the best companies, which saved me a lot of time and money”

“First of all hands off to you guys for your effort to find serious companies to transfer.

Your site is clear, understandable immediately.

Thanks to you I have made significant savings. I recommended you to my friends who are expatriates like me.”

“At first view, looks like other comparison site, but i like your presentation. clear information, right choice of Top money transfer providers. ”

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