Compare money transfer services by country and route

Wise Money Transfer for UK personal customers

Wise Payments Limited

Product type

cross-border money-transfer service

Evidence status

Official fields checked

Checked

2026-09-15

Verified product fields

• The UK personal customer agreement requires an individual user to be at least 18.
• Wise states that a Money Transfer can be made after login without holding a Wise multi-currency account.
• Customers must transact on their own account and must not allow another person to use the service on their behalf.
• Currency conversion, the Wise Account, and Money Transfer are separate service functions under the agreement.
• Wise Payments Limited is the UK contracting entity identified in the UK personal agreement.

Remitly UK personal money-transfer service

Remitly U.K., Ltd.

Product type

consumer remittance service

Evidence status

Official fields checked

Checked

2026-09-15

Verified product fields

• The UK user agreement requires the customer to be at least 18 and live in the UK.
• The customer must create a profile, provide complete and truthful information, and complete Remitly's eligibility checks.
• The agreement says customers may use the services only for themselves and may not create or use an account for another person.
• The Remitly portal is described as a tool for sending money, not an account in which the customer can store funds.
• The agreement identifies Remitly U.K., Ltd., company number 09896841, as the UK contracting company.

Western Union Online Money Transfer Service (UK)

Western Union Payment Services GB Limited

Product type

online domestic and international money-transfer service

Evidence status

Official fields checked

Checked

2026-09-15

Verified product fields

• The UK online-service terms require the sender to be at least 18 and habitually resident in the United Kingdom.
• The service offers domestic and international money transfers.
• Each transfer receives a Money Transfer Control Number (MTCN).
• Each money-transfer order is a separate agreement for that transaction rather than a commitment to execute later transfers.
• The terms make delivery timing subject to regulatory requirements and service conditions.

WorldRemit UK money-transfer service

WorldRemit Ltd

Product type

online consumer remittance service

Evidence status

Partial record

Checked

2026-09-19

Verified product fields

• WorldRemit identifies WorldRemit Ltd as its United Kingdom contracting company.
• The company states that it is FCA-authorised under the Payment Services Regulations and Electronic Money Regulations.
• WorldRemit's UK terms govern transfers placed through its website and app.
• Corridor promotions, delivery methods, fees and foreign-exchange rates are separately conditioned and can change.

Xe Money Transfer for UK consumers

HiFX Europe Limited trading as Xe

Product type

consumer foreign-exchange and payment service

Evidence status

Official fields checked

Checked

2026-09-19

Verified product fields

• Xe's UK consumer terms identify HiFX Europe Limited as the service provider.
• The terms state that HiFX Europe Limited is FCA-authorised for payment services.
• The service covers foreign exchange in which a sale currency is exchanged for a purchase currency.
• Payment services may send the purchased currency to a third-party account, subject to registration and compliance checks.

Ria UK in-person money transfer

Ria Financial Services Limited acting for Euronet Payment Services Limited

Product type

agent-location consumer remittance service

Evidence status

Official fields checked

Checked

2026-09-19

Verified product fields

• Ria's UK retail terms identify Ria Financial Services Limited as the contracting service operator.
• Ria states that it acts as agent of Euronet Payment Services Limited.
• The terms identify Euronet Payment Services Limited as FCA-authorised under the Payment Services Regulations.
• The retail agreement applies to transfers made in person rather than app or website transfers.

OFX personal money-transfer service (UK)

UKForex Limited trading as OFX

Product type

bank-funded foreign-exchange and payment service

Evidence status

Official fields checked

Checked

2026-09-19

Verified product fields

• OFX's legal page identifies UKForex Limited as the United Kingdom operating entity.
• OFX states that UKForex Limited is FCA-regulated for electronic money and payment services.
• Its master agreement covers spot foreign-exchange and same- or cross-currency payment services.
• OFX provides the exchange rate, estimated delivery time and charges when a transaction instruction is placed.
• The terms state that funding is by electronic bank transfer rather than cash, cheque or card.

MoneyGram online money transfer (UK)

MoneyGram International Limited

Product type

online and app consumer remittance service

Evidence status

Official fields checked

Checked

2026-09-19

Verified product fields

• MoneyGram's UK terms identify MoneyGram International Limited as the online-service provider.
• The service is available to people aged 18 or over and is restricted to lawful personal transfers.
• Depending on destination availability, delivery may include cash pickup, account deposit, mobile wallet or home delivery.
• The acceptance confirmation states the receive amount, fee, exchange rate, reference number and execution time.
• Transfers may be funded using offered card or payment methods or cash at a selected agent location.