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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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

Table: sorted by a combination of service offering and the amount your recipient will receive
Use our comparison table to check what your same-currency transfer could cost by entering the amount you want to send and clicking Calculate. Same-currency support varies by destination country, so double check the provider’s website before sending.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1,000 Same day GBP 0.00 0.99 GBP
SpartanFX offers fee-free transfers, a best exchange rate guarantee and personalised one-to-one support for every customer. Go to site Show details
GBP 1 Same day GBP 0.00 0.995 GBP
Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
GBP 10 Within an hour GBP 1.99 0.987 GBP
Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
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GBP 5 2 days EUR 3.00 0.995 GBP
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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GBP 10 Within an hour GBP 2.00 0.995 GBP
First two transfers free for new customers.
Instant or 1 hour transfers to over 50 countries, send money directly to bank accounts or over 280,000 cash pickup points.
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GBP 50 Same day GBP 2.99 0.99 GBP
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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


  • 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.


  • 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.

Send money abroad with WorldRemit

An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.

  • Best for sending to a wide range of countries
  • Recipient can get the money to bank account, cash pickup location or mobile
  • Instant money transfers available

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