How to send money to the UK

Send simple, affordable international money transfers from the US to the UK.

International money transfers are quick ways to send money overseas, but with all the options available to you, it might be difficult to find a place to start. From banks to transfer services, comparing all the details can become a confusing task. We’re here to help you get the best deal on your next transfer by explaining the rates, fees and speeds of competing money transfer specialists.

Find the best provider for your transfer

Answer three quick questions and we’ll give you an instant recommendation for a money transfer service based on your needs.

Question 1 of 3

How much do you plan to send?

Question 2 of 3

Does your recipient have a bank account?

Question 3 of 3

When can they receive the money?

Based on your answers, check out:

WorldRemit International Money Transfers

WorldRemit International Money Transfers

Send money to 110+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide. Your first transfer is free with the code FREE.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    TransferWise International Money Transfers

    TransferWise International Money Transfers

    When you need to send money overseas, benefit from competitive exchange rates and low transfer fees with TransferWise.

    • Fair service fees and mid-market rates — a major market differentiator.
    • Next-day delivery to your loved ones and businesses.
    • Trusted the world over, with five-star ratings on Trustpilot.

      World First Foreign Exchange

      World First International Money Transfers

      Special offer for finder.com readers Because World First is a trusted partner of finder.com, you can send your money transfer overseas for free. No fees: There are no online transfer fees for all finder.com readers.

      • Enjoy competitive exchange rates.
      • Take advantage of spot contracts, forward contracts and limit orders.
      • Receive weekly updates on market exchange rates.



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        Ofx Logo

        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:

        • Buying property abroad
        • Emigrating
        • Regular overseas payments
        • Risk management
        • Forecasting
        Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
        USD 1,000 1 day USD 0.00 0.719 Online, Phone, Bank Account to Bank Account GBP 3,595 Exclusive offer: $0 transfer fee
        No-limit transfers with competitive exchange rates for 100+ currencies.
        Go to site Show details
        USD 1 3 - 5 days USD 50.00 0.722 Online GBP
        3,571
        Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
        1 day - - Online, Phone, Bank Account to Bank Account Exclusive exchange rate discounts
        No-maximum limit transfers with competitive exchange rates for 100+ currencies.
        Go to site Show details
        USD 100 3 - 5 days USD 5.00 0.718 Online, Phone GBP 3,588 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site Show details
        USD 1 Within an hour - - Online, Bank Account to Bank Account, Cash Transfer Use promo code FREE to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

        Compare up to 4 providers

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        How do international money transfers work?

        International money transfers allow you to send money overseas through a bank or money transfer service. Because the pound is a widely-traded currency, you’ll be able to find plenty of companies that can exchange dollars to pounds, so you’ll need to be sure you compare your rates and the potential fees before choosing which service to use. Once you complete the transaction, your recipient will receive the money in their bank account or in person at a specified pickup location.

        Banks versus money transfer companies

        Your first thought may be to ask your bank to transfer money to an overseas account, and while many offer this service, it is often much more expensive and yields a worse exchange rate than an international money transfer company. You’ll be able to get a better rate and pay less fees with one of these companies than with your bank, so explore your options in the table above.

        Craig needs to send money to the UK

        Craig’s son Kevin is studying abroad in the UK, and with money starting to get tight, Kevin calls 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

        Craig’s quick comparison shows him that the first transfer company will net him 20 extra pounds. He completes the online application, and by the next day, Kevin has a little extra money in his account.

        Tips for sending money to the UK

        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.
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        Foreign exchange rates explained

        Exchange rates are determined on a daily and hourly basis by the fluctuations in political and economic climate across the globe. A strong currency is one that trades better when exchanged with the currency of another country. In this case, the British pound (GBP) often trades stronger than the US dollar (USD). This means that you will get less pounds per dollar spent. In December 2017, $1 is worth about £0.74–meaning you will have to spend more to get a full pound.

        See today’s US dollar to GBP exchange rate

        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

        1. Choose a money transfer provider in the chart above.
        2. Click Go to Site and begin the registration process.
        3. Start a transfer transaction, giving your recipients information and how much you want to transfer.
        4. Pay for the transaction.
        5. Save the tracking number to make sure everything goes smoothly.

        Emergency transfers to the UK

        It’s possible to complete an emergency cash transfer that gives your recipient access to funds quickly, but this is usually the most expensive option. You will face higher fees and a worse exchange rate, so if your friend or family member can wait a day or two for a regular transfer to be completed, you’ll save money in the long run.

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        Tips for picking up cash in the UK

        Whether picking up funds in London or anywhere else around the UK, take a few simple safety precautions to prevent yourself from 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.

        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 will always be a better choice.

        Common questions about transfers to the UK

        Cash pickup locations in United Kingdom

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        US International Money Transfers Offers

        Important Information*
        HiFX International Money Transfers

        Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000.

        WorldRemit International Money Transfers

        Use promo code FREE to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

        World First Foreign Exchange

        Exclusive offer: $0 transfer fee
        No-limit transfers with competitive exchange rates for 100+ currencies.

        TransferWise International Money Transfers

        Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.