Same-currency international money transfers

Exchange rates aren't a factor when sending a same-currency international money transfer, but be aware of fees.

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Zak Killermann

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International money transfers often involve a conversion between currencies, but that doesn’t always have to be the case, like with the euro in the EU. Here are some ways to send same-currency international transfers and explore your options.

Compare services to send a same-currency transfer

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Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
20 of 24 results
Updated regularly
Finder Score Filter values Pay by Receiving options Fastest transfer Fee (pay by bank transfer) Key benefits
WorldFirst - UK logo
Not yet rated
WorldFirst Multi-Currency Business Account
Not yet rated
Debit card, Bank transfer
Bank account, Mobile wallet
Within minutes
£0 to £4
New customers signing up for a WorldFirst account in 2026, are eligible to receive the exclusive 0.3% foreign exchange fee. Once your account is fully set up and verified, the fee will be applied.
Go to site View details
Airwallex logo
Not yet rated
Airwallex multi-currency business account
Not yet rated
Bank transfer
Bank account
Within minutes
£0
Connect your Airwallex account to Xero at no additional cost. Plus, generate Airwallex payment links to share with your customers anywhere in the world so they can pay in the currency and payment method of their choice. T&Cs apply.
Go to site View details
TorFX - UK logo
9.3Excellent
TorFX
9.3Excellent
Debit card, Bank transfer
Bank account
Within minutes
£0
Get a £50 Amazon voucher for each friend you refer who transfers £5,000 or more. T&Cs apply.
Go to site View details
Wise logo
9.4Excellent
Wise (TransferWise)
Offer
9.4Excellent
Credit card, Debit card, Bank transfer
Bank account, Alipay (China only)
Within minutes
From 0.41%
Refer 3 friends to receive up to £50 referral bonus
Go to site View details
Taptap Send logo
9Excellent
Taptap Send
9Excellent
Debit card, Bank transfer, Apple Pay, Google Pay
Cash pickup location, Bank account, Mobile wallet
Within minutes
From £0
Go to site View details
Key Currency logo
Not yet rated
Key Currency
Not yet rated
Bank transfer
Bank account
24 hours
£0
Go to site View details
Western Union - UK logo
Not yet rated
Western Union
Not yet rated
Cash, Credit card, Debit card, Bank transfer
Cash pickup location, Bank account, Mobile wallet
Within minutes
From £0
Go to site View details
Equals logo
Not yet rated
Equals Money Account
Not yet rated
Bank transfer
Bank account
3 hours
£0
Go to site View details
OFX - UK logo
Not yet rated
OFX
Not yet rated
Credit card, Debit card, Bank transfer
Bank account
24 hours
£0
Go to site View details
CurrencyTransfer logo
7.9Great
CurrencyTransfer
7.9Great
Bank transfer
Bank account
24 hours
£0
Go to site View details
Currencies Direct logo
7.7Great
Currencies Direct
7.7Great
Debit card, Bank transfer
Bank account
24 hours
£0
Get a £50 Amazon voucher for each friend you refer who transfers £5,000 or more. T&Cs apply.
Go to site View details
FairFX logo
Not yet rated
FairFX
Not yet rated
Credit card, Debit card, Bank transfer
Bank account
24 hours
Fees may apply
Go to site View details
Remitly - UK logo
7.5Great
Remitly
7.5Great
Credit card, Debit card, Bank transfer
Cash pickup location, Bank account, Mobile wallet, Home delivery
Within minutes
From £0
Go to site View details
CurrencyFair - UK logo
Not yet rated
CurrencyFair
Discount
Not yet rated
Bank transfer
Bank account
Within minutes
€3
New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
Go to site View details
OFX - UK logo
7.4Great
OFX
7.4Great
Credit card, Debit card, Bank transfer
Bank account
24 hours
£0
Go to site View details
TorFX - UK logo
Not yet rated
TorFX Business
Not yet rated
Debit card, Bank transfer
Bank account
Within minutes
£0
Go to site View details
Currencies Direct logo
Not yet rated
Currencies Direct Business
Not yet rated
Debit card, Bank transfer
Bank account
24 hours
£0
Go to site View details
OFX - UK logo
Not yet rated
OFX Business
Not yet rated
Credit card, Debit card, Bank transfer
Bank account
24 hours
£0
Go to site View details
CurrencyFair - UK logo
Not yet rated
CurrencyFair Business
Not yet rated
Bank transfer
Bank account
Within minutes
€3
Zero fees on your first 10 transfers. T&Cs apply.
Go to site View details
Xe - UK logo
8.2Great
Xe
8.2Great
Credit card, Debit card, Bank transfer
Cash pickup location, Bank account
Within minutes
£2
Go to site View details
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Showing 20 of 24 results

Finder Score for international money transfer services

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across the most popular international money transfer services are all weighted and scaled to produce a score out of 10. The higher the score the better the service – simple.

Read the full methodology

What are the pros and cons of same-currency transfers?

Pros

  • Forget exchange rates. When you send the same currency overseas, you don't have to worry about hunting for the best exchange rate and how much money you'll "lose" in the currency conversion process.
  • Lots of choices. There are heaps of trusted and reputable money transfer providers who can send a same-currency transfer for you.

Cons

  • Fees apply. You'll probably need to pay a fee in most cases when sending money overseas, whether it's the same currency or not, so search for a provider with a reasonable fee structure. Sometimes fees are charged as a portion of the exchange rate, so look for companies that offer 1:1 rates on same-currency transfers.
  • Restricted country and currency support. Some currencies will have stronger global support than others.

How does a same-currency transfer work?

Same-currency transfers, like international transfers, rely on using a service to move money between you and your recipient. This service could be a money transfer service, an international wallet, a bank or something similar. When sending same-currency international transfers, you don’t have to worry about exchange rates, but you still need to be aware of potential fees. The best services to use will vary depending on whether you’re sending a domestic or international same-currency transfer:

Domestic same-currency money transfers

There are very few times when you should be paying fees to send money within the UK. If the person you’re sending to doesn’t have a bank account or would prefer to pick up cash, you’ll have to rely on a money transfer service that may charge a fee.

Otherwise, you have other free options for transferring money domestically, such as Google Pay, Apple Pay, Facebook Messenger and Cash App.

International same-currency money transfers

Because most money transfer companies make money both on fees and exchange rates, there’s little incentive for them to offer same-currency transfers between countries, so they’re a bit trickier to find. Some options are:

What other ways can I send same-currency international transfers

Although not the most convenient, there are other ways to send same-currency international transfers.

  • Banks: Banks may seem like the most convenient option, but there are many fees and roadblocks you have to watch out for. Expect both an outgoing wire fee from your bank and an incoming wire fee from your recipient’s bank, for example. Many banks will also force you to convert currency if the destination account doesn’t support the currency you’re transferring. To avoid these fees, consider using a bank like HSBC that supports international accounts in a wide array of currencies.
  • Send cash: The least recommended option, sending cash, is not only risky but may be illegal depending on how much you’re sending. Instead of sending cash, considering sending a postal order or cheque – though these are hardly your fastest or most secure options.

Bottom line

Sending same-currency transfers can be a good way to pay friends back, get money to your family, help make an international move smoother and more. Explore your options when sending same-currency transfers, including the various money transfer companies that support such transfers. Before making any moves, learn more about money transfers and what you can do with them.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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Zak Killermann was a technical publisher at Finder who specialized in currencies and investing. Zak’s expertise was in breaking down technical finance concepts into approachable, digestible nuggets of information. See full bio

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