{"id":54322,"date":"2017-08-30T17:04:06","date_gmt":"2017-08-30T16:04:06","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=54322"},"modified":"2026-03-04T17:58:46","modified_gmt":"2026-03-04T17:58:46","slug":"large-sum-transfers","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/international-money-transfers\/large-sum-transfers","title":{"rendered":"Best way to transfer large amounts of money internationally"},"content":{"rendered":"<p>It&#8217;s common for people to send large amounts of money abroad and the best way will depend on your specific situation. When making your decision, it is important to take into consideration things like fees, exchange rate markups, speed and more.<\/p><h3>What are the best ways to transfer large amounts of money overseas?<\/h3><ol><li><a href=\"#international\" class=\"scroll\">International money transfer specialist<\/a><\/li><li><a href=\"#cash\" class=\"scroll\">Cash-to-cash transfers<\/a><\/li><li><a href=\"#bank\" class=\"scroll\">Bank-to-bank transfers<\/a><\/li><li><a href=\"#draft\" class=\"scroll\">International bank draft<\/a><\/li><li><a href=\"#prepaid\" class=\"scroll\">Prepaid debit card<\/a><\/li><\/ol><h3 id=\"international\">1. International money transfer specialist<\/h3><p>You will find that money transfer specialists often offer more competitive exchange rates and charge lower fees than banks. <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\">Currency brokers such as TorFX<\/a> specialise in large currency transactions, making the process less of a headache. Other transfer providers like Wise are suited towards regular, smaller transfers due to their fee structure.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Typically cheaper than bank transfers.<\/li>\n                                    <li>Many transfer specialists have personal account managers to provide step-by-step guidance.<\/li>\n                                    <li>Diverse payment options, including payment by credit card, debit card, bank account and more.<\/li>\n                                    <li>Can be sent entirely online.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Many options exist, so finding the best one may seem tricky.<\/li>\n                                    <li>Some money transfer specialists don't have transparent fees and exchange rates.<\/li>\n                                    <li>You have to trust a company with your money, so vetting them is important.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<p>We&#8217;ve vetted our favourite <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\">money transfer specialists<\/a> for you to save time and money. However, if you would rather compare providers yourself, you can use our comparison table to find the best option. When you have made your choice, simply click <b>Go to site<\/b>.<\/p><h3 id=\"cash\">2. Cash-to-cash transfers<\/h3><p>Sending money for <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/cash-pickup\">cash pickup<\/a> is a convenient way to complete your international money transfer, particularly if you or your recipient is under or unbanked. There are several companies that offer cash-to-cash transfers including Ria Money Transfer, MoneyGram and Western Union. Finding the right company for your cash-to-cash transfer is important, so make sure to <a class=\"scroll\" href=\"#comparisongo\">compare<\/a> your options.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Recipient doesn't need a bank account.<\/li>\n                                    <li>Sender doesn't need a bank account.<\/li>\n                                    <li>Cash transfers often transfer faster than bank-to-bank transfers.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Most cash-to-cash specialists have a maximum sending limit.<\/li>\n                                    <li>Large amounts of cash will have to be picked up by the recipient, which could be dangerous.<\/li>\n                                    <li>Higher fees are typically applied to cash-to-cash transfers, compared to using an international money specialist that transfers to a bank account.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<p>Finding the right company to send your cash-to-cash transfer is important, so <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/cash-pickup\">compare your options<\/a> to figure out which company sends to your preferred destination and offers the lowest fees and strongest exchange rates.<\/p><h3 id=\"bank\">3. Bank-to-bank transfers<\/h3><p>While most banks are able to initiate an overseas transfer, they tend to be the most expensive option. When dealing with smaller transfers, the ease of using your local bank can be worth the fees and unfavourable exchange rate. But for larger transfers, you&#8217;ll see a noticeable cut taken. It is also worth keeping in mind that your bank may have wire transfer limits in place, so you&#8217;ll need to ask ahead of time if you plan on making a large international wire transfer over a certain amount. UK banks typically add a 3% to 6% markup on exchange rates while transfer providers mostly range from 0.5% to 3%.<\/p><ul><li><strong>Wire transfer.<\/strong> This is where you can send money directly from your bank account to another bank account, usually by filling out a form with the contact and account details of the recipient. This tends to be the more expensive option, and you should double-check how much your bank charges for <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/bank-fees-wire-transfers\">outgoing international transfers<\/a> before sending money.<\/li><\/ul><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>You already trust your bank with your money.<\/li>\n                                    <li>You can typically initiate the transfer online, in-person or by phone.<\/li>\n                                    <li>You don't have to trust any companies with your money.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>More expensive than other options due to markup.<\/li>\n                                    <li>Typically far slower than other options.<\/li>\n                                    <li>Have to pay with funds that are already in your bank account.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"draft\">4. International bank draft<\/h3><p>An <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/international-bank-drafts\">international bank draft<\/a> is issued by a bank on behalf of the payer. It allows another bank, typically in another country, to draw funds directly from the issuing bank. International bank drafts can be drawn in a foreign currency, removing the need to speculate on future exchange rates.<\/p><p>Overall, international bank drafts operate similarly to domestic orders sent within the UK, except that they are created in a foreign currency.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Accepted in many parts of the world.<\/li>\n                                    <li>Relatively cost effective when compared to wire transfers between international banks.<\/li>\n                                    <li>Can only be cashed at a bank by the person listed on the international bank draft.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Slow, as they have to be physically mailed or hand delivered between countries.<\/li>\n                                    <li>Difficult and time consuming to replace if lost or stolen.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"prepaid\">5. Prepaid debit cards<\/h3><p>With some services, you can send funds via a prepaid debit card. The sender loads a prepaid debit card with cash funds. The recipient can then withdraw them using the prepaid debit card. Alternatively, you can transfer money from the prepaid card to a bank or card account.<\/p><p>Prepaid debit cards tend not to charge transfer fees. However, you will most likely have to pay an activation fee or monthly fee.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Relatively cost effective when compared to bank transfers.<\/li>\n                                    <li>Recipient doesn't need a bank account.<\/li>\n                                    <li>You can lock in a set exchange rate.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Most prepaid debit cards carry an activation fee or a monthly fee.<\/li>\n                                    <li>There may be a limit on how much you can load onto the card.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<p style=\"text-align: center;\"><a class=\"scroll\" href=\"#comparisongo\"><button class=\"btn btn-success\">Compare money transfer services<\/button><\/a><\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<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=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do I transfer large amounts of money internationally?<\/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=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>There are several ways that you can transfer large amounts of money internationally. The cheapest and fastest option is most likely an <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\">international money transfer provider<\/a>. Specialist money transfer companies tend to offer the most competitive exchange rates and charge lower fees than your local bank. Use our table to <a class=\"scroll\" href=\"#comparisongo\">compare<\/a> providers' transfer speeds and fees.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What is the maximum amount of money I can transfer overseas?<\/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=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>There is no maximum limit on how much you can transfer overseas. However, you will need to make sure that you file the appropriate tax forms. Additionally, if you are sending \u00a31 million or more overseas, check that your transfer provider can securely handle transfers of that size before getting started.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How can I instantly transfer large amounts of money?<\/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=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>One of the fastest ways to transfer money internationally is to use a <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/cash-pickup\">cash pickup<\/a> service. They allow your recipient to have almost instant access to the money you have sent, without the need for a bank account.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What is the safest way to transfer large amounts of money?<\/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=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>One of the safest ways to send large amounts of money abroad is to use a reputable, regulated money transfer provider or your bank. You will most likely find that specialist money transfer services are less expensive, and have robust security measures that will protect both parties involved.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">How much money can you transfer at once?<\/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=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>There is no limit to how much money you can transfer, but in most cases banks and money transfer services will have their own upper limits.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Can I bring large sums of cash to another country?<\/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=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>The rules around bringing large sums of cash to another country will depend on which country you are visiting. It is worth checking your destination's custom guidelines before making your trip.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response 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{\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span> Exchange rate<\/td><td>31.3%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span> Fees\/commission<\/td><td>29.13%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span> Don&#039;t know<\/td><td>24.2%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span> Security<\/td><td>24.2%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span> Speed of transfer<\/td><td>23.48%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FF73A9;\"><\/span> Range of payment methods<\/td><td>14.78%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #1DD751;\"><\/span> Customer service<\/td><td>14.06%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #DB2420;\"><\/span> Overall amount recipient gets<\/td><td>13.77%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #E5F7FF;\"><\/span> Provider reputation<\/td><td>12.32%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FFF9E5;\"><\/span> Range of pick-up methods<\/td><td>12.03%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"u-grid__col u-1\/1 source-container\"><span class=\"source\">Source: Finder survey by Censuswide of  Brits, December 2023<\/span><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking to transfer a big sum of money? Read our guide and compare the options based on fees, exchange rates, security and simplicity.<\/p>\n","protected":false},"author":381,"featured_media":448100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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,"footnotes":""},"categories":[13],"tags":[],"asset_tag":[],"class_list":["post-54322","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 v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best ways to send a large money transfer abroad | Finder UK<\/title>\n<meta name=\"description\" content=\"Should you use a bank, money transfer provider or other service for a large money transfer? 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His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and CreditCards.com, among other top media.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/kevinjoeychen\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/kevinchen\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6e9b3b28e793c7edc2d6b6d9229eee48\",\"name\":\"Kate Steere\",\"description\":\"Kate Steere is a deputy editor at Finder, specialising in fintech, cryptocurrency and banking. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.\",\"jobTitle\":\"Money expert\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/kateanderson\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Fintech\"},{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"},{\"@type\":\"Thing\",\"name\":\"Mortgages\"},{\"@type\":\"Thing\",\"name\":\"Payments\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/6e9b3b28e793c7edc2d6b6d9229eee48\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KateSteereF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KateSteereF1_Finder_600x600.png\",\"caption\":\"Kate Steere\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/international-money-transfers\/large-sum-transfers#comment-3645\",\"author\":{\"@type\":\"Person\",\"name\":\"Luciano\"},\"text\":\"Who is your agent in Margao, Goa please ? How many pounds will my relative in UK get for Rs 5 lakhs and how many days will it take for the transfer please ?\",\"datePublished\":\"2018-04-26 22:33:54\"},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do I transfer large amounts of money internationally?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rThere are several ways that you can transfer large amounts of money internationally. The cheapest and fastest option is most likely an <a href=\\\"https:\/\/www.finder.com\/uk\/international-money-transfers\\\">international money transfer provider<\/a>. Specialist money transfer companies tend to offer the most competitive exchange rates and charge lower fees than your local bank. Use our table to <a class=\\\"scroll\\\" href=\\\"#comparisongo\\\">compare<\/a> providers' transfer speeds and fees.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"What is the maximum amount of money I can transfer overseas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rThere is no maximum limit on how much you can transfer overseas. However, you will need to make sure that you file the appropriate tax forms. Additionally, if you are sending \u00a31 million or more overseas, check that your transfer provider can securely handle transfers of that size before getting started.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"How can I instantly transfer large amounts of money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rOne of the fastest ways to transfer money internationally is to use a <a href=\\\"https:\/\/www.finder.com\/uk\/international-money-transfers\/cash-pickup\\\">cash pickup<\/a> service. They allow your recipient to have almost instant access to the money you have sent, without the need for a bank account.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"What is the safest way to transfer large amounts of money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rOne of the safest ways to send large amounts of money abroad is to use a reputable, regulated money transfer provider or your bank. You will most likely find that specialist money transfer services are less expensive, and have robust security measures that will protect both parties involved.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"How much money can you transfer at once?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rThere is no limit to how much money you can transfer, but in most cases banks and money transfer services will have their own upper limits.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I bring large sums of cash to another country?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rThe rules around bringing large sums of cash to another country will depend on which country you are visiting. It is worth checking your destination's custom guidelines before making your trip.\\r\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-03-04T17:58:49+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Best ways to send a large money transfer abroad | Finder UK","description":"Should you use a bank, money transfer provider or other service for a large money transfer? Compare the options based on fees, rates and security.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/international-money-transfers\/large-sum-transfers","og_locale":"en_GB","og_type":"article","og_title":"Best way to transfer large amounts of money internationally","og_description":"Should you use a bank, money transfer provider or other service for a large money transfer? 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His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and CreditCards.com, among other top media.","sameAs":["https:\/\/www.linkedin.com\/in\/kevinjoeychen\/"],"url":"https:\/\/www.finder.com\/uk\/author\/kevinchen","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6e9b3b28e793c7edc2d6b6d9229eee48","name":"Kate Steere","description":"Kate Steere is a deputy editor at Finder, specialising in fintech, cryptocurrency and banking. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.","jobTitle":"Money expert","url":"https:\/\/www.finder.com\/uk\/author\/kateanderson","knowsAbout":[{"@type":"Thing","name":"Fintech"},{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Cryptocurrency"},{"@type":"Thing","name":"Mortgages"},{"@type":"Thing","name":"Payments"}],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/6e9b3b28e793c7edc2d6b6d9229eee48","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KateSteereF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KateSteereF1_Finder_600x600.png","caption":"Kate Steere"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/large-sum-transfers#comment-3645","author":{"@type":"Person","name":"Luciano"},"text":"Who is your agent in Margao, Goa please ? How many pounds will my relative in UK get for Rs 5 lakhs and how many days will it take for the transfer please ?","datePublished":"2018-04-26 22:33:54"},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"How do I transfer large amounts of money internationally?","acceptedAnswer":{"@type":"Answer","text":"\r\rThere are several ways that you can transfer large amounts of money internationally. The cheapest and fastest option is most likely an <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\">international money transfer provider<\/a>. Specialist money transfer companies tend to offer the most competitive exchange rates and charge lower fees than your local bank. Use our table to <a class=\"scroll\" href=\"#comparisongo\">compare<\/a> providers' transfer speeds and fees.\r\r"}},{"@type":"Question","name":"What is the maximum amount of money I can transfer overseas?","acceptedAnswer":{"@type":"Answer","text":"\r\rThere is no maximum limit on how much you can transfer overseas. However, you will need to make sure that you file the appropriate tax forms. Additionally, if you are sending \u00a31 million or more overseas, check that your transfer provider can securely handle transfers of that size before getting started.\r\r"}},{"@type":"Question","name":"How can I instantly transfer large amounts of money?","acceptedAnswer":{"@type":"Answer","text":"\r\rOne of the fastest ways to transfer money internationally is to use a <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/cash-pickup\">cash pickup<\/a> service. They allow your recipient to have almost instant access to the money you have sent, without the need for a bank account.\r\r"}},{"@type":"Question","name":"What is the safest way to transfer large amounts of money?","acceptedAnswer":{"@type":"Answer","text":"\r\rOne of the safest ways to send large amounts of money abroad is to use a reputable, regulated money transfer provider or your bank. You will most likely find that specialist money transfer services are less expensive, and have robust security measures that will protect both parties involved.\r\r"}},{"@type":"Question","name":"How much money can you transfer at once?","acceptedAnswer":{"@type":"Answer","text":"\r\rThere is no limit to how much money you can transfer, but in most cases banks and money transfer services will have their own upper limits.\r\r"}},{"@type":"Question","name":"Can I bring large sums of cash to another country?","acceptedAnswer":{"@type":"Answer","text":"\r\rThe rules around bringing large sums of cash to another country will depend on which country you are visiting. It is worth checking your destination's custom guidelines before making your trip.\r\r"}}]}]},"article_modified_time":"2026-03-04T17:58:49+00:00"},"custom_fields":{"_wp_page_template":["default"],"_content_type":["niche-content\/information\/how-to"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Your bank may be more convenient to transfer large amounts of money, but a money transfer specialist will probably offer a better deal. \"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/54322"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/381"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=54322"}],"version-history":[{"count":17,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/54322\/revisions"}],"predecessor-version":[{"id":573870,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/54322\/revisions\/573870"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/448100"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=54322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=54322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=54322"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=54322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}