Read our expert reviews to compare currency exchange services and find the best options for your international money transfers.
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PayPal's US transaction exchange rate includes a conversion spread. International-payment and card-funding fees can also apply, while overseas remittances may use Xoom.
Regions' May 2026 personal schedule lists $50 outgoing and $18 incoming international wire fees. Foreign debit-card transactions add a 3% assessment.
Western Union provides cash pickup, bank deposit, debit-card and mobile-wallet delivery on supported routes. Fees, exchange rates and speed vary by route, payment method and payout choice.
XE offers bank transfers and cash pickup on eligible routes. It displays its customer rate and any fee before confirmation, while availability and speed vary by market.
Xoom, a PayPal service, supports bank deposit, debit-card deposit, mobile-wallet, cash-pickup and home-delivery routes. Fees, exchange rates and timing vary by transaction.
BMO Global Money Transfer normally costs C$5, with waivers for selected plans and transfers to BMO in the United States. The quoted exchange rate remains part of the cost.
Barclays UK customers can send international payments digitally, but the exchange rate and possible overseas bank charges matter more than the headline transfer fee.
Capital One personal international wires are available only through branches for eligible accounts. Its US-issued credit cards do not charge foreign transaction fees.
Citibank international transfer products vary by country. Compare the local Citi exchange rate, transfer fee and recipient amount rather than assuming one global fee schedule applies.
HSBC offers international transfers and multi-currency banking in several markets, but eligibility, limits, fees and exchange rates are set by each local HSBC entity.
Lloyds digital international payments have no Lloyds transfer fee, but its exchange-rate margin and possible correspondent charges remain part of the total cost.
RBC currently charges no transfer fee for its digital International Money Transfer service, but its exchange rate and any third-party deductions still affect the total cost.
Scotiabank's digital international transfer can cost C$1.99 depending on the account. Its quoted rate includes a markup, and other banks may deduct charges.
TD Bank US customers can arrange international wires at a branch and order more than 40 foreign currencies. Standard personal pricing lists a $50 outgoing international wire fee.
U.S. Bank personal international wires are arranged through a branch or telephone banking. Standard pricing lists $50 outgoing and $25 incoming international wires.
ANZ offers international transfers through separate Australian and New Zealand services. Both provide $0 digital transfer options, but fees, delivery estimates, card costs and legal entities differ by market.
CommBank offers international transfers through its Australian retail service, with eligible digital transfer fees waived. Its NZD, GBP and USD options are foreign-currency services for eligible Australian customers, not local overseas retail banking.
Fifth Third's standard consumer fees are $50 for a foreign-currency international wire, $85 for a USD international wire and $15 for an incoming wire, with waivers for some accounts.