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Review: ACE money transfer

With no hidden fees, see if you can save money on your international money transfers.

ACE money transfer has been in operation across Europe since 2002 and offers a safe and secure way for you to send money from Ireland to more than 50 countries. You’ll typically save money with low fees and strong exchange rates.

Easy options with ACE money transfer

Many online transfer services limit you to bank transfers only. With ACE money transfer, you can pay by bank account, credit or debit card. You also have the options of your recipient receiving your money via cash pickup, bank account and mobile wallet.

There are no minimum or maximum transfer limits, and with the different payment and send options available, it could be a good alternative to using a bank offering the same service.

ACE money transfer exchange rates and fees

You can typically get exchange rates that are close to the mid-market rate, and which ACE money transfer claims “are tough to beat”.

ACE money transfer makes its money by making the exchange rate slightly weaker than the mid-market rate and by the fees it charges.

These fees vary depending on how much you plan to send, where it’s being sent, how it’s sent and finally how it’s received. For instance, you can expect to pay less in fees for a bank to bank transfer rather than allowing your recipient to pick up the cash.

There’s a helpful transfer calculator available on the website’s homepage, giving you an estimate of what the fee is likely to be and how much your recipient can expect to receive.

There’s also live chat in case you have other questions around your money transfer.

Available currencies

ACE money transfer offers money transfers in many different currencies including:

  • EUR Euro
  • DKK Danish krone
  • GBP British pound
  • INR Indian rupee
  • LKR Sri Lankan rupee
  • PLN Polish zloty
  • NOK Norwegian krone
  • SEK Swedish krona

What types of transfers does ACE money transfer support?

ACE money transfer has a few transfer options to make it easier for you and your recipient:

  • Cash pickup. Allows your recipient to collect cash instantly.
  • Bank account deposits. Send money directly to your recipient’s bank account.
  • Mobile wallet. Send money to select mobile phones around the world.

Which payment methods does ACE money transfer accept?

With ACE money transfer, you can pay by:

  • Bank transfer
  • Credit card
  • Debit card

How long does a transfer with ACE money transfers take?

The delivery times for your money transfer really depends on the currency and the country of your recipient. Another factor that will affect the speed of your transfer is your payment method.

Generally speaking, you can expect a money transfer paid via a bank transfer to be completed within one to two business days. If you pay by card, your transaction could be completed in a matter of minutes.

Is ACE money transfer safe to use?

  • Security and regulation: Government-regulated
  • Established: 2002
  • Reviews: TrustPilot gives ACE money transfer a score of 4.6 out of 5, based on over 5,800 reviews*

According to ACE money transfer and Trustpilot on 4 February 2020.

Since ACE money transfer is government-regulated by the Financial Conduct Authority in the UK, it keeps its clients’ money separate from its own funds. This means if ACE money transfer faces any financial hardship in the future, your money will be safe.

The pros & cons of using ACE money transfer


  • Multiple transfer options. As well as cash or bank transfer, you have the option of transferring money to a mobile wallet in select countries.
  • No limits. There are no minimum or maximum transfer limits to worry about.
  • Strong exchange rates. Get a better deal for your money transfer.
  • Mobile App money transfers. Transfer online or via the mobile app.


  • Limited availability. ACE money transfer is only available for customers in the UK, Europe and Scandinavian countries.
  • Limited currencies. ACE only supports EUR, GBP, SEK, NOK and DOK.

How to register an account with ACE money transfer and send your first transfer

You have the option of sending money through ACE money transfer’s website or mobile app.

Either way, you’ll need to go through a similar process to transfer money.

Tracking your transfer

Tracking your transfer is simple. There’s a tracking tool on the ACE money transfer website where you’ll be able to enter the transaction code given to you during your money transfer and check on the status. If you’re using the app, you can use the “My Transaction” button to follow a transaction. You might also wish to give this transaction code to your recipient, making it easier for them to stay in the know.

Bottom line

You’ll have a few different and convenient options with ACE Money Transfer although you may find some exotic currencies aren’t available.

If ACE money transfer doesn’t suit your money transfer needs, especially if you want to send exotic currencies, you may find it helpful to compare the fees, rates and details of other money transfer specialists.

See how other services compare to ACE money transfer

1 - 10 of 10
Name Product Fastest Transfer Speed Fees (Pay by Bank Transfer) Offer
Wise (TransferWise)
24 hours
From 0.41%
Within minutes
From €3
New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
XE Money Transfers
Within minutes
From €0
Atlantic Money
Atlantic Money
Within minutes
Within minutes
From 0.3%
Within minutes
From €0
24 hours
From €0
Within an hour
From $2.99
24 hours
From €0
Panda Remit
Within minutes
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