How to send money to the UK

Send simple, affordable international money transfers to the UK.

If you’re looking to send money to a loved one in London or Liverpool, you’ll likely make an international transfer. With so many options available from banks to transfer services, its hard to find the one that is right for you.To get the best deal on your next transfer, compare the rates, fees and speeds of competing money transfer specialists.

World First Foreign Exchange

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  • Enjoy competitive exchange rates.
  • Get even better exchange rates with forward contracts and limit orders.
  • Receive weekly updates on market exchange rates.

    Compare money transfer services to the UK

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    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

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    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    USD 1,000 1 day USD 0.00 0.754 Online, Phone, Bank Account to Bank Account GBP 3,770 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for 100+ currencies.
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    USD 1 3 - 5 days USD 50.00 0.757 Online GBP
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
    1 day USD 0.00 0.754 Online, Phone, Bank Account to Bank Account GBP 3,768 Exclusive exchange rate discounts
    No-maximum limit transfers with competitive exchange rates for 100+ currencies.
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    USD 100 3 - 5 days USD 5.00 0.753 Online, Phone GBP 3,763 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site Show details
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    Sending money to the UK

    Case study: Craig sends money to the UK
    Craig’s son Kevin is living and working in the UK, and with money starting to get tight, Kevin phones home to ask his dad for $1,000 in extra spending money. Rather than using his bank to complete the transfer, Craig decides to weigh the fees and features of two money transfer companies.

    Money transfer company 1Money transfer company 2
    Exchange rate1 USD = 0.64 GBP1 USD = 0.62 GBP
    Transfer fee$5$4
    Transfer methodBank account depositBank account deposit
    Transfer speed
    1 business day1 business day
    Total GBP received
    640 GBP620 GBP

    As you can see, taking the time to do a quick comparison between different providers can make a noticeable difference in the amount of funds your recipient will receive.

    How do international money transfers work?

    An international money transfer allows you to send money to someone overseas. Generally, you can choose a bank or transfer service to make the transfer, allowing your recipient to access the money online, in their bank account or in person at a specified location.

    Banks versus money transfer companies

    If you need to conduct an international money transfer, your first thought may be your bank. However, their fees are often higher compared to international money transfers companies. These money transfer companies specialize in international transactions and can offer much better exchange rates than most major banks.
    Best GBP > USD exchange rates

    How to compare transfer companies when transferring money to the UK

    By comparing a few elements of your transfer, you can ensure that you get the cheapest deal for your needs.

    • Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
    • Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
    • Payment and delivery options. Some transfer companies allow you to pay with a credit card online, by phone or through an app. Others offer agent locations for cash payments and pickups. Also ask how your recipient can receive your funds: bank account, cash pickup, mobile wallet and more.
    • Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, often in minutes. If you have more time, you’ll get better rates and fees with an independent provider.
    • Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
    • Flexible transfer options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
    • Customer support. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.

    Best AUD > GBP exchange rates

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    Foreign exchange rates explained
    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. Most countries’ exchange rates are flexible, which means they can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

    Options for sending money to the UK from the US

    • Bank transfers. Many major US banks can safely wire your funds to countries around the world. Banks rely on existing links between banks and banking systems worldwide. However, a downside is the frustratingly high fees and weaker exchange rates you’ll receive by going through your bank.
    • Online money transfer services. These specialists offer more affordable transfers than banks do, allowing you to quickly and easily manage your transactions from home. With competitive exchange rates and lower fees, you can send funds from your bank account. Many also allow you to pay with a credit or debit card.
    • Providers with cash pickup. Trusted providers like Western Union and MoneyGram offer the key advantage of giving your recipient fast access to the cash you send — sometimes within minutes. You can often pay online or at one of thousands of agent locations worldwide. However, services typically cost more than an online transfer specialist and vary by where you’re transferring your money and how you’re paying for it.
    • PayPal transfers. Not just for online purchases, PayPal offers transfers to more than 100 countries and supports multiple currencies. Its exchange rates are often better than those you’ll get from a bank but not quite as strong as rates from money transfer companies. PayPal calculates its transfer fee as a percentage of the amount you’re sending — meaning it’s often better for sending smaller amounts of money.
    • International money order. You can get this type of money order from your bank and send it overseas to your recipient, who then cashes it in with their own bank. While more secure than a personal check, it’s a slower option than using an electronic transfer. It also costs a little more — you’ll have to purchase the check, and your recipient may be charged a fee by their own bank cashed.

    Best EUR > GBP exchange rates

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    How to send money to the UK

    Whether you send money through your bank, a money transfer provider or any other option, you’ll need to first register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.

    Keep a record of any transaction reference number you receive so that you can review the progress of your transfer.

    What are the ways that I can send money to the UK

    • Bank transfers. Many major US banks will allow you to send money to the UK.
    • Money transfer providers. Providers like Ria and World First can help you quickly and easily transfer your money online.
    • Providers with cash pickup. Western Union and MoneyGram allow you to send funds for cash pickup at agent locations.
    • PayPal. Electronic payment giant PayPal allows you to send money from the US to the UK.
    • Checks and money orders. Although not a quick option, you could send an international check overseas, obtained from your bank or US Postal Service.

    Emergency transfers to the UK

    You might need to send an emergency cash transfer to the UK— for example, if you’re traveling through London and lose your wallet. When you need to transfer funds urgently, your fastest possible transfer will often be your most expensive option. Carefully review the exchange rate and transfer fee against your needs so that you understand exactly how much it will cost you.

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    Tips for picking up cash in the UK

    Whether picking up funds in London or anywhere else around the world, take a few simple safety precautions to prevent yourself becoming a target for thieves.

    • Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
    • Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
    • Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
    • Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.

    Best GBP > EUR exchange rates

    Bottom line

    Overseas money transfers are easy, no matter which method you choose. But knowing how to compare your options gives you a leg up in terms of cost, rates and transfer speeds. An informed choice is your better choice.

    Common questions about transfers to the UK

    Certain money transfer companies (such as TransferWise and OFX) will cancel a transaction, granted the transfer has not yet been completed.

    A forward contract allows you to lock in an ideal exchange rate now and transfer the money later.

    A limit order allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met.

    Cash pickup locations in United Kingdom


    GTBank UK
    Address: 60-62 Margaret St, Fitzrovia, London W1W 8TF, UK
    Hours: 9:00 AM – 5:00 PM
    Phone: +44 20 7947 9700

    Address: Kings Mall, 21 King St, London W6 0QF, UK
    Hours: 9:00 AM – 7:00 PM
    Phone: +44 345 740 4404

    Address: Threadneedle St, London EC2R 8AH, UK
    Hours: 9:00 AM – 3:00 PM
    Phone: +44 20 7601 4444


    Address:24/28 William IV Street, London WC2N 4DL, United Kingdom
    Hours: 8:30 AM – 6:30 PM
    Phone: +44 345 722 3344

    Address: 17-25 Regent St, St. James’s, London SW1Y 4LR, UK
    Hours: 6:00 AM – 12:00 AM
    Phone: +44 345 677 9812

    Address: Ryman, 11 Lower Regent Street, St. James’s, London SW1Y 4LR, UK
    Hours: 8:00 AM – 6:30 PM
    Phone: +44 20 7930 9538

    Western Union

    Address: 430 The Strand London, Greater London WC2R 0QN
    Hours: 8:00 AM – 7:00 PM
    Phone: +44-207 2404408

    Address: 15 Villiers Street London, Greater London WC2N 6NN
    Hours: 10:00 AM – 8:00 PM
    Phone: +44-800 833833

    Address: Unit A William Iv Street 7 8 St Martins Place London, Greater London WC2N 4JH
    Hours: 6:00 AM – 11:00 PM
    Phone: +44-800 833833


    Address: 2-4 Saint Anne’s Square, Manchester M2 7HD, UK
    Hours: 9:00 AM – 6:00 PM
    Phone: +44 345 740 4404

    UBL UK
    Address: 4, Cheetham Hill Shopping Centre, 40 Bury Old Rd, Manchester M8 5EL, UK
    Hours: 9:30 AM – 4:00 PM
    Phone: +44 800 218 2266

    Address: Longsight Shopping Centre, 537 Stockport Rd, Manchester M12 4JH, UK
    Hours: 9:30 AM – 4:30 PM
    Phone: +44 345 734 5345


    Address: 26 Spring Gardens, Manchester M2 1BB, UK
    Hours: 9:00 AM – 6:00 PM
    Phone: +44 345 611 2970

    Address: 58-66 Market St, Manchester M1 1PW, UK
    Hours: 6:00 AM – 12:00 AM
    Phone: +44 345 677 9453

    Address: F4, Londis Store, Piccadilly Plaza, Portland St, Manchester M1 4AL, UK
    Hours: 6:00 AM – 6:00 PM
    Phone: +44 161 237 1229

    Western Union

    Address: 455 Cheetham Hill Road Manchester, M8 9PA
    Hours: 9:00 AM – 10:00 PM
    Phone: +44-800 833833

    Address: 61b Off Bury New Road Moulton Street Manchester, M8 8FX
    Hours: 10:00 AM – 8:00 PM
    Phone: +44-800 833833

    Address: Unit Aa 30 Market Street Manchester, Greater Manchester M1 1PW
    Hours: 9:00 AM – 8:00 PM
    Phone: +44-800 833833


    UBL UK
    Address: 391-393 Stratford Rd, Birmingham B11 4JZ, UK
    Hours: 9:00AM – 5:00 PM
    Phone: +44 800 218 2266

    Address: 15 Colmore Row, Birmingham B3 2BH, UK
    Hours: 9:00 AM – 5:00 PM
    Phone: +44 345 734 5345

    Address: One Brindleyplace, 50 Broad St, Birmingham B1 2JB, UK
    Hours: 9:00 AM – 5:00 PM
    Phone: +44 121 615 7200


    Address: 118 Corporation St, Birmingham B4 6SX, UK
    Hours: 8:30 AM – 5:30 PM
    Phone: +44 345 611 2970

    Address: Bullring Shopping Centre, Upper West Mall, Birmingham B5 4BL, UK
    Hours: 9:30 AM – 8:00 PM
    Phone: +44 344 800 8877

    Address: Caxton Gate, New St, Birmingham B2 5AE, UK
    Hours: 6:00 AM – 12:00 PM
    Phone: +44 345 677 9850

    Western Union

    Address: Unit 5 Kings Parade Dale End Birmingham, B4 7LN
    Hours: 9:00 AM – 5:30 PM
    Phone: +44-800-833833

    Address: 4 Kings Parade Dale End Birmingham, West Midlands B4 7LN
    Hours: 9:45 AM – 5:00 PM
    Phone: +44-800-833833

    Address: 102 Bull Street Birmingham, West Midlands B4 7AA
    Hours: 9:00 AM – 5:30 PM
    Phone: +44-0800833833

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