{"id":347886,"date":"2017-02-24T14:52:36","date_gmt":"2017-02-24T22:52:36","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=347886"},"modified":"2026-02-03T17:24:57","modified_gmt":"2026-02-03T17:24:57","slug":"paypal-vs-banks-international-transfers","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/international-money-transfers\/paypal-vs-banks-international-transfers","title":{"rendered":"PayPal vs UK banks for international transfers"},"content":{"rendered":"<p>PayPal and bank transfers can get your money where it needs to go across the world. We look at PayPal vs UK banks to compare fees, rates and speeds to see which is quicker and which can save you money.<\/p><h3 id=\"comparisongo\">Live comparison: PayPal (incorporating Xoom), banks and a transfer specialist<\/h3><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKFMT\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\n(function () {\n  const fsniche = \"ukfmt\";\n  const getEventToListenTo = () => {\n    if (window.matchMedia('(any-hover:none)').matches) {\n      if (window.matchMedia('(max-width: 450px)').matches) {\n        return \"scroll\";\n      }\n    }\n    return \"DOMContentLoaded\";\n  };\n  const eventToWatch = getEventToListenTo();\n  const waitForLoadOnTheFly = (callback, maxAttempts = 50) => {\n    let attempts = 0;\n    const checkAndExecute = () => {\n      attempts++;\n      if (window.loadOnTheFly && window.loadOnTheFly.html) {\n        callback();\n      } else if (attempts < maxAttempts) {\n        setTimeout(checkAndExecute, 100);\n      } else {\n        console.error('loadOnTheFly.html not available after maximum attempts');\n      }\n    };\n    checkAndExecute();\n  };\n  \/\/ Two tables of the same niche output this script twice; load that niche's modal once.\n  window.finderScoreModalsRequested = window.finderScoreModalsRequested || {};\n  const loadFinderScoreModal = () => {\n    window.removeEventListener(eventToWatch, loadFinderScoreModal);\n    if (window.finderScoreModalsRequested[fsniche]) return;\n    window.finderScoreModalsRequested[fsniche] = true;\n    setTimeout(function () {\n      var partialId = \"\" || 'finder-score-' + fsniche + '-modal-optimized';\n      waitForLoadOnTheFly(() => {\n        window.loadOnTheFly.html('partial', { id: partialId }, function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-' + fsniche);\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function () { modal.classList.add(\"elementHidden\"); };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function () { modal.classList.add(\"elementHidden\"); });\n          window.addEventListener(\"click\", function (event) {\n            if (event.target == modal) { modal.classList.add(\"elementHidden\"); }\n          });\n        });\n      });\n    }, 1000);\n  };\n  window.addEventListener(eventToWatch, loadFinderScoreModal);\n  window.showFinderScoreModal = window.showFinderScoreModal || function (niche) {\n    var attempts = 0;\n    var existCondition = setInterval(function () {\n      const modalLoaded = document.getElementById('finderScoreModal-' + niche);\n      if (modalLoaded) {\n        clearInterval(existCondition);\n        modalLoaded.classList.remove('elementHidden');\n      } else if (++attempts > 40) {\n        clearInterval(existCondition);\n      }\n    }, 500);\n  };\n})();\n<\/script>\n<div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"\" data-template=\"comparison\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"calculatingmultiplecurrencies\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"347886\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"calculatingmultiplecurrencies\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794004269}' data-disable-alternative-products=\"true\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-\">5 of 5 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated regularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-table-id=\"2884\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"calculatingmultiplecurrencies\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794004269}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfmt\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"5\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"183923d20753587f4f8acdec9080bcfc3571d425bb060a3d4851c2944a2d9c56\" data-table-record-type=\"product\" data-table-record-ids='[\"e3777050-e69d-437a-a8fb-367114280155\",\"b3f74b3b-42ab-4111-b61f-a1c3086c1490\",\"e1c8fba3-6f06-42e3-979f-2387a240cf75\",\"ec2f02ce-cdf3-4083-8798-599d277671cf\",\"eea69579-947d-4ac6-82f0-eb93b5c9695a\"]' data-total-data=\"5\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"5\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_FINDER_SCORE_V2\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_FASTEST_TRANSFER\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fastest_transfer\">\n                                                        Fastest transfer\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_TRANSFER_FEE_MULTIPLE_CUR\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fee\">\n                                                        Fee\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom no-padding-top sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"key_benefits\">\n                                                        Key benefits\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-sorter=\"fin-currency\" data-ajax-table-sorter-column=\"UKFMT.PRODUCT.CURRENCY_EXCHANGE_CALC_MULTIPLE_CUR\" class=\"comparison-table__feature calculator-data string-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"amount_received\">\n                                                        Amount received\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"e3777050-e69d-437a-a8fb-367114280155\" data-provider-id=\"cdc3573d-b2a4-4368-b250-dec5ac8dc170\" data-product-name=\"PayPal International Transfers\" data-provider-name=\"PayPal\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png\" alt=\"PayPal logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/62f52dffe8205.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>PayPal International Transfers<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        24 hours\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        From \u00a30.99\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about PayPal International Transfers\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"e3777050-e69d-437a-a8fb-367114280155\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"b3f74b3b-42ab-4111-b61f-a1c3086c1490\" data-provider-id=\"72e923dc-bd32-4426-a90e-e9d1ef0c942d\" data-product-name=\"Lloyds Bank International Transfers\" data-provider-name=\"Lloyds Bank\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/lloyds-international-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png\" alt=\"Lloyds Bank logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/62cd20001be70.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/lloyds-international-transfers\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Lloyds Bank International Transfers<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        24 hours\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        From \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Lloyds Bank International Transfers\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"b3f74b3b-42ab-4111-b61f-a1c3086c1490\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"e1c8fba3-6f06-42e3-979f-2387a240cf75\" data-provider-id=\"8bfd4dc3-901e-479b-8e1d-03ef83d472fc\" data-product-name=\"OFX\" data-provider-name=\"OFX - UK\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png\" alt=\"OFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/652cd5a74ad4d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>OFX<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        24 hours\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"e1c8fba3-6f06-42e3-979f-2387a240cf75\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/ofx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFMT%22%2C%22fieldset%22%3A%22calculatingmultiplecurrencies%22%2C%22template%22%3A%22comparison%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794004269%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2222678%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%22e1c8fba3-6f06-42e3-979f-2387a240cf75%22%2C%22product_name%22%3A%22OFX%22%2C%22post_id%22%3A%22347886%22%2C%22post_path%22%3A%22international-money-transfers%252Fpaypal-vs-banks-international-transfers%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to OFX - UK's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about OFX\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"e1c8fba3-6f06-42e3-979f-2387a240cf75\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"ec2f02ce-cdf3-4083-8798-599d277671cf\" data-provider-id=\"59121a9f-7c15-49b9-86a3-7465fce5047a\" data-product-name=\"Halifax International Transfers\" data-provider-name=\"Halifax\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/halifax-international-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png\" alt=\"Halifax logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/62d58311c95d6.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/halifax-international-transfers\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Halifax International Transfers<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        24 hours\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        From \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Halifax International Transfers\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"ec2f02ce-cdf3-4083-8798-599d277671cf\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"eea69579-947d-4ac6-82f0-eb93b5c9695a\" data-provider-id=\"2914e59b-9cb2-4874-99d4-3aa6f4b6bf08\" data-product-name=\"Xoom\" data-provider-name=\"Xoom\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/62f518057c585.png\" alt=\"Xoom logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/62f518057c585.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/62f518057c585.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/62f518057c585.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/62f518057c585.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/62f518057c585.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Xoom<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        Within minutes\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        From \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Xoom\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"eea69579-947d-4ac6-82f0-eb93b5c9695a\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count- comparison-table__dataCount\">Showing\n\t\t\t5\n\t\t\tof\n\t\t\t5\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFMT\" data-rewards-component=\"compare-products\"><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for international money transfer services<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. 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 \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/methodology-for-international-money-transfer-scores\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p>Please note: You should always refer to quotes you receive from transfer services themselves directly for exact amounts as they may vary from our estimates.<\/p><\/div><\/article><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\">Check more services<\/a><\/p><table class=\"luna-table \"><thead class=\"luna-table__header\"><tr><th class=\"u-1\/5\"><\/th><th scope=\"col\" class=\"u-1\/3\"><img decoding=\"async\" class=\" size-thumbnail wp-image-763033\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2015\/07\/paypal-imt.png\" alt=\"PayPal\" width=\"150\" height=\"75\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2015\/07\/paypal-imt.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2015\/07\/paypal-imt.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2015\/07\/paypal-imt.png?fit=450 450w\" sizes=\"(max-width: 450px) 28vw, 450px\" loading=\"lazy\"><\/th><th scope=\"col\" class=\"u-1\/3\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png\" alt=\"UK bank logos\" width=\"712\" height=\"223\" class=\"aligncenter size-full wp-image-355307\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/02\/Bank-logos-UK-1.png?fit=2136 2136w\" sizes=\"(max-width: 2136px) 28vw, 2136px\" loading=\"lazy\"><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Fees<\/th><td>Up to \u00a32.99<\/td><td>From \u00a310 to \u00a340 or more<\/td><\/tr><tr><th>Exchange rates<\/th><td>Mid-market rate plus 3-5% margin<\/td><td>More than the mid-market rate plus margin<\/td><\/tr><tr><th>Speed<\/th><td>Minutes to 1 day<\/td><td>Varies by bank<\/td><\/tr><tr><th>Max transfer amount<\/th><td>Maximum \u00a320,000 per transfer<\/td><td>Varies by bank, usually with no upper limit<\/td><\/tr><\/tbody><\/table><article class=\"luna-card luna-card--shadow\" align=\"center\"><div class=\"luna-card__block\"><h4>Quick verdict<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3\"><div class=\"gridExample\"><a class=\"scroll\" href=\"#fees\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/coin-hand-money-transfer-icon.png\" alt=\"Fees icon\" width=\"65\" height=\"65\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/coin-hand-money-transfer-icon.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/coin-hand-money-transfer-icon.png?fit=195 195w\" sizes=\"(max-width: 195px) 28vw, 195px\" loading=\"lazy\"><br><\/a><a class=\"scroll\" href=\"#fees\"><strong>Lower fees:<\/strong><\/a><br>PayPal<\/div><\/div><div class=\"u-grid__col u-1\/3\"><div class=\"gridExample\"><a class=\"scroll\" href=\"#rate\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/international-money-transfer-currency-icon.png\" alt=\"Exchange rate icon\" width=\"65\" height=\"65\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/international-money-transfer-currency-icon.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/international-money-transfer-currency-icon.png?fit=195 195w\" sizes=\"(max-width: 195px) 28vw, 195px\" loading=\"lazy\"><br><strong>Exchange rates:<\/strong><\/a><br>PayPal<\/div><\/div><div class=\"u-grid__col u-1\/3\"><div class=\"gridExample\"><a class=\"scroll\" href=\"#speed\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/clock-money-transfer-fast-icon.png\" alt=\"Clock icon for transfer speed\" width=\"65\" height=\"66\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/clock-money-transfer-fast-icon.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2018\/10\/clock-money-transfer-fast-icon.png?fit=195 195w\" sizes=\"(max-width: 195px) 28vw, 195px\" loading=\"lazy\"><br><strong>Fast transfers:<\/strong><\/a><br>PayPal<\/div><\/div><\/div><\/div><\/article><h3>How do they work?<\/h3><p>Both PayPal and major UK banks can send your money next door or around the world online.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>PayPal<\/h4><p>To transfer money through PayPal, you\u2019ll first need to create a free PayPal account. You then transfer money to your recipient\u2019s PayPal account, funding it with your PayPal balance, bank account, credit or debit card or PayPal Credit. After the recipient gets the money, they can either keep the funds in their PayPal account or withdraw it to their bank account.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Bank transfers<\/h4><p>Bank wire transfers are a quick, efficient way to move your money from one bank account holder to another through existing banking networks. In the past, you had to visit a bank branch to make a money transfer, but these days most banks let you transfer online or by phone. However, delivery options are typically limited to bank account deposits.<\/p><p><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" role=\"button\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/bank-fees-wire-transfers\">Read more about bank wire transfers<\/a><\/p><\/div><\/div><h3 id=\"fees\">PayPal vs UK banks: Who offers lower fees?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>PayPal<\/h4><p>How much it costs depends on how much money you send, where you send it and how you pay for the transfer. When you pay for an international transfer from the UK using your PayPal balance or linked bank account, you\u2019ll pay a fee of between 99p to \u00a32.99.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Bank transfers<\/h4><p>While the majority of UK banks offer free bank-to-bank domestic transfers, they\u2019re typically your most expensive option when sending money abroad.<\/p><p>Banks charge higher fees \u2013 anywhere from \u00a310 to \u00a340 or more depending on the details of your transfer \u2013 and a bigger variety of fees: incoming, outgoing and other fees. On top of high fees, they offer weaker exchange rates than money transfer specialists. They offer fewer options for recipients, typically requiring a bank account in which to receive your cash.<\/p><\/div><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p align=\"center\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"60\" height=\"60\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png?fit=180 180w\" sizes=\"(max-width: 180px) 100vw, 180px\" loading=\"lazy\"><br><strong>Winner: PayPal<\/strong><br>While bank transfer fees vary, it\u2019s unlikely that they\u2019ll be lower than the competitive prices on PayPal.<\/p><\/div><\/article><h3 id=\"rate\">PayPal vs UK banks: Who offers better exchange rates?<\/h3><p>The exchange rates for both PayPal and bank transfers depend on the mid-market rate on the particular day. Here\u2019s what we know about PayPal and bank transfer exchange rates.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>PayPal<\/h4><p>To calculate the exchange rate it offers to customers, PayPal takes the mid-market rate it gets from its bank and adds a 2-6% margin. PayPal updates this rate throughout the day.<\/p><p>For example, for a transfer in euros (EUR):<\/p><ul><li>Mid-market rate: 1 GBP = 1.13 EUR<\/li><li>PayPal\u2019s exchange rate: 1 GBP = 1.11 EUR<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Bank transfers<\/h4><p>Nearly all banks skew the mid-market exchange rate for a profit, but you\u2019ll typically pay higher margins than you\u2019ll find with PayPal.<\/p><p>Using the example of a transfer to euros:<\/p><ul><li>Mid-market rate: 1 GBP = 1.13 EUR<\/li><li>Your bank\u2019s exchange rate: 1 GBP = 1.08 EUR<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p align=\"center\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"60\" height=\"60\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png?fit=180 180w\" sizes=\"(max-width: 180px) 100vw, 180px\" loading=\"lazy\"><br><strong>Winner: PayPal<\/strong><br>Here again, PayPal\u2019s exchange rates are typically more competitive than those offered by your local bank.<\/p><\/div><\/article><h4>Example: Sending \u00a31,000 to Germany<\/h4><p>Here\u2019s an example of what you\u2019d pay for a bank transfer with PayPal and your local bank.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>PayPal<\/th><th>Major UK banks<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Exchange rate<\/th><td>1 GBP = 1.11 EUR<\/td><td>1 GBP = 1.08 EUR<\/td><\/tr><tr><th>Transfer fee<\/th><td>\u00a31.99<\/td><td>\u00a320<\/td><\/tr><tr><th>Transfer speed<\/th><td>1 business day<\/td><td>2 business days<\/td><\/tr><tr><th>Transfer options<\/th><td>Bank transfer<\/td><td>Bank transfer<\/td><\/tr><tr><th>Total euros received<\/th><td>1,114 EUR<\/td><td>1,088 EUR<\/td><\/tr><\/tbody><\/table><p>The bank offers a weaker exchange rate and a much stiffer transaction fee than PayPal does. PayPal also transfers your money a day sooner.<\/p><p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n\n\n<h3 id=\"speed\">PayPal vs UK banks: Who\u2019s faster?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>PayPal<\/h4><p>Money transfers with PayPal are speedy. If you\u2019re transferring between PayPal accounts, funds are available immediately. If you withdraw money from your PayPal account into a bank account, you can expect the funds to get there within the next business day.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Bank transfers<\/h4><p>Most banks offer international money transfers that will arrive within 2 business days, but your transfer speed will depend on your specific bank and type of account.<\/p><\/div><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><p align=\"center\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"60\" height=\"60\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2018\/12\/Tropy-icon-fmt.png?fit=180 180w\" sizes=\"(max-width: 180px) 100vw, 180px\" loading=\"lazy\"><br><strong>Winner: PayPal<\/strong><br>Even though both PayPal and bank transfers can get your money where it needs to go quickly, PayPal edges out the competition with instant transfer options between PayPal accounts.<\/p><\/div><\/article><h3>PayPal vs UK banks: Who offers more options?<\/h3><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>PayPal<\/th><th>Major UK banks<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Minimum and maximum transfers<\/th><td>Varies by country (about \u00a31 to \u00a31,000,000 per transaction)<\/td><td>Varies by bank<\/td><\/tr><tr><th>Delivery methods<\/th><td>PayPal transfer, bank transfer, cash pick-up<\/td><td>Bank transfer<\/td><\/tr><tr><th>Transfer speeds<\/th><td>From minutes to next business day<\/td><td>Typically within 2 business days<\/td><\/tr><tr><th>Payment methods<\/th><td>Bank transfer, credit or debit card, PayPal Credit<\/td><td>Online, in-person, app (where available)<\/td><\/tr><tr><th>Countries<\/th><td>190+ countries<\/td><td>190+ countries<\/td><\/tr><\/tbody><\/table><h3>The verdict<\/h3><p>Although much of the comparison between PayPal and bank transfers is dependant on your particular bank account, you\u2019re probably best off looking at dedicated money transfer services instead. PayPal\u2019s own service <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xoom\">Xoom<\/a> for example, is far cheaper than PayPal, and you\u2019re likely to find wider currency coverage and superior forex features (like rate targets) by looking at <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\">dedicated transfer specialists<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I initiate a domestic money transfer through my bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, most banks that offer international money transfer services also offer domestic options.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I sign up for PayPal?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Visit its site and click Sign Up at the top of the page. PayPal will guide you through the quick and easy sign-up process.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Which is the better option for your international money transfer: PayPal or your typical bank transfer?<\/p>\n","protected":false},"author":1329,"featured_media":347893,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"PayPal vs UK banks","_yoast_wpseo_title":"PayPal vs UK banks transfer \u2013 which can save you more? | Finder UK","_yoast_wpseo_metadesc":"We compare exchange rates, fees, delivery speeds and more when sending money to friends and family overseas through PayPal vs UK banks.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"1211","post_editor_date":"","post_author_date":"2023-08-08T00:04:40","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-02-03 17:20:35\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We fact checked our guide to ensure it is up to date and accurate.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[13],"tags":[],"asset_tag":[],"class_list":["post-347886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-money-transfers"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PayPal vs UK banks transfer \u2013 which can save you more? 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