Remittances and Expat Regular Transfers

If you live abroad and need to send money home, whether you’re a retired expat or a work immigrant, whether your homeland is in Europe, or in Asia, you have your place with us.

Our company selection offers the best remittances providers for the following needs:

✓ Remittances: 

You’re working abroad and sending money home to family, friends, or your own domestic bank account. You’re looking for cost-effective solutions with great global reach, and looking to transfer money to a bank account or to a cash pickup.

✓ Expat Regular Transfers: 

You’re living abroad, and need to transfer money from home to support your living. You are looking for payment institutions that can handle these transfers on a regular basis with no hassle and no fees, on top of a winning exchange rate.

✓ Moving Pensions or Mortgage Payments

Pensioners who moved abroad for retirement, people who relocated for work purposes and foreign investors who have mortgage payments to make in a foreign currency can use the companies below for these purposes. It is in fact their specialty.


Case Study: NZ Expat


Prashant Lal, New Zealand expat


Sends money back to New Zealand and Fiji to support his family and in-laws as well as pay off the mortgage on two properties


Every month since September 2014


Remiting money home using the services of OFX

PlalPrashant Lal, an employee of OFX, moved to Australia for work in September 2014, bringing with him his partner of 28 years, Manisha.

Originally from Fiji, Prashant moved to Wellington, New Zealand at age 13 where he lived for 12 years. In September 2014, Prashant was offered a position with OFX in Sydney and he and Manisha decided to make the move.

Having never been to Australia, Prashant was at first concerned about how to transfer money to start setting up his new life here. Even though he was able to set up an Australian bank account with his current bank, bank transfer fees between the two accounts remained high.

As I was about to start a job with OFX I decided to give the service a try. I looked into how much I was going to be saving compared to transferring with my bank and it was quite a substantial difference! We decided to use OFX to transfer money into our Australian account to help pay for moving costs such as our flat bond, new furniture and groceries until we received our first pay packets.”

Supporting family back home

Impressed with the savings he was making, Prashant began making regular transfers back to New Zealand to help support both his parents living in Wellington.

Having lived with and near my immediate family my whole life, it was a big step to move away from them to Sydney so I decided to send money back regularly in order to continue supporting them. My wife and I also send a monthly amount back to her parents, sister and nephew which goes towards paying for utilities.”

We also own two properties in Wellington, which we are renting out. We use OFX to top up the respective mortgages and hope to have fully paid them off by 2025.

A proudly recommended service

When I set everything up I obviously compared the savings between my bank and OFX and still sporadically continue to do so, but OFX always comes out best. I have so far transferred about [$28,600] since September 2014 and I’ve made an estimated saving of [$1,000]. I proudly recommend the OFX service to any friends and family who are either travelling or relocating overseas, and continue to be impressed by the savings I make.”

> Read more about how you can remit money online with on our review here: OFX (Formerly OzForex) review, rated as one of the best online money transfer platforms by us.

Receive a Free Quote – OFX



More Top Remittances Service Provider Selections

  • Below are the top selections for people who require to remit money to developing countries like China, India, Pakistan, Bangladesh, Philippines, and Nepal, Albania, Bulgaria, Romania, Brazil, or Poland.
  • If you need to have fund sent to wealthy countries in Europe, North America or Australia – click here.

Compare remittance transfer providers – bank to bank transfers alongside cash picks. Learn which companies are best suited for your requirements and needs. Send money home for 90% less than what you would have paid with traditional foreign exchange offices.

  • From: UK, USA, Australia, South Africa, Europe.
  • To: Mexico, Thailand, Philippines and all Eastern, Middle East, and Central Europe.
  • Min Transfer:: £/€ 100
  • Automated Regular Payments Enabled
  • Sign Up to Receive Rates.
  • Online or by Phone
  • Bank to Bank Only
  • Top Quality:
    Best Service

  • From: UK, USA, Europe.
  • To: India, Middle East, Parts of South America, and Eastern Europe.
  • Min Transfer:: £/€ 50
  • Automated Regular Payments Enabled
  • Sign Up to Receive Rates.
  • Online or by Phone
  • Bank to Bank Only
  • Top Quality:
    Most Reliable

  • From: UK, USA, Australia and Europe.
  • To: India, Pakistan, and Eastern Europe.
  • Min Transfer:: £/€ 1
  • No Automated Transfers
  • Clear Pricing Before Sign-Up.
  • Online Platform Only
  • Bank to Bank Only
  • Top Quality:
    Cheap & Transparent

  • From: UK, Europe.
  • To: Globally - Dealing with 198 Currencies.
  • Min Transfer:: £/€ 1
  • No Automated Transfers
  • Clear Pricing Before Sign-Up.
  • Online Platform Only
  • Cash Pickup*
  • Top Quality:
    Widest Reach, Cash Pickup

* Azimo cash pickup option is available at the majority of destinations, but not all of them.


What makes these companies a great choice?

✓ Transfer online without having to go to your bank or foreign exchange office.

✓ Understand exactly how much are you going to get.

✓ Automated regular transfers can be set up with some companies.

✓ Wide global reach that enable sending money to even very remote locations in Africa, South America, and Asia.

✓ Regulated by the Financial Conduct Authority as an Approved Payment Provider, so you know your money is safe.

✓ No upfront charge fees. You only pay in relativity to the amount transferred.

✓ Satisfaction from fellow immigrants who used the service. High media attention and encouragement from institutions such as the World Bank.

Why are bureaux de change and banks a worse option?

 To trade with a bank you need to go through a lengthy account set up process.

 There’s no personalised assistance in banks or in exchange offices.

 You don’t get a clear indication of the money you will receive in return for the exchange.

✗ High transfer fees of up to £30 per transfer.

✗ Often, terrible reviews by clients online (true for most UK banks, Western Union, and Moneygram).

Read our FAQ page which addresses all concern with international money transfers.


Remittance Provider Fee Comparison

Are the companies featured on this section are really cheaper than traditional settlements like Moneygram and Western Union agents? The World Bank has a programme named “Remittances Prices” that has set itself a goals to reduce the remittances prices to developing countries that rely on that inflow of cash from its residents abroad (more on the remittances market here).

Here are some stats from there:

Example 1: Remit money online from UK to Romania

TransferwiseTotal Cost 1.19% of total

AzimoTotal Cost 2.6% of total

Western Union (online): Total Cost 4.84% of total

Transfer- Fast: Total Cost 4.86% of total

Skrill (eWallet): Total Cost 5.67% of total

Western Union (Branch): Total Cost 12.58% of total

On a 500 Pound transfer you can save 56 Pound per transfer (data from World Bank)

(equals  based on Today’s Exchange Rates)


Example 2: Remit money online UK to Brazil

AzimoTotal Cost 2.4% of total

Small World FS: Total Cost 4.17% of total

MoneyGram (online): Total Cost 4.85% of total

MoneyGram (branch): Total Cost 7.59% of total

Western Union (online): Total Cost 8.22% of total

On a 500 Pound transfer you can save 29 Pound per transfer (data from World Bank)

(equals 2,163.53 BRL based on Today’s Exchange Rates)



Example 3: Remit money online from UK to Poland

TransferwiseTotal Cost 0.78% of total

Western Union: Total Cost 5.69% of total

MoneyGram: Total Cost 5.77% of total

Sami Swoi: Total Cost 7.99% of total

On a 500 Pound transfer you can save 35 Pound per transfer (data from World Bank)

(equals 2,415.52 PLN based on Today’s Exchange Rates)


Example 4: Remit money online from UK to Thailand

TransferwiseTotal Cost 0.8% of total

Skrill (eWallet): Total Cost 5.5% of total

Western Union (Branch): Total Cost 11% of total

On a 500 Pound transfer you can save 22 Pound per transfer (data from World Bank)

(equals  based on Today’s Exchange Rates)

Remitting money from the USA to India, Thailand, the Philippines or other developing countries in Asia or Africa, companies like Ria Money Transfer or Transfast stand at around 3% total costs, which isn’t bad but still much more expensive than the companies featured on this table that can accept U.S clients that send money home.

Newcomer: The Lebara money transfer service is breaking the market offering very low margins and small fees on transfers from UK to 13 locations. Even cheaper than Transferwise on the GBPEUR route.


Regular Transfers For Expats

Looking for regularly timed transfers, for purposes like pension, mortgages or salary transfer?

We focus on regular transfers to popular expat destinations like France, Spain, Cyprus, and of course the USA, Australia, New Zealand and Canada.

View Top Choices – Regular Transfers

  • Min Transfer (Regular Transfers): £100
  • Send to: The EU, USA, Australia, Switzerland, Ireland, Poland, Singapore & More
  • HQ: Moorgate, London
  • Automated Regular Transfer Functionality
  • Pay with Bank Transfer or Debit
  • Verdict:
    Most User Friendly

  • Min Transfer (Regular Transfers): £8
  • Send to: USA, Europe, Australia
  • HQ: City Road, London
  • Click on "Repeat" On Account Page to Repeat Transfer
  • Pay with Bank Transfer or Debit / Credit
  • Verdict:
    Expat and Immigration Oriented

  • Min Transfer (Regular Transfers): £1,000
  • Send to: The EU, USA, Australia, South Africa, New Zealand, China, Japan & More
  • HQ: Millbank, London
  • Automated Regular Transfer Functionality
  • Pay with Bank Transfer or Debit
  • Verdict:
    Most Recognizable

What makes these companies a great choice?

✓ Easy sign up on website.

✓ You can choose whether to use an online platform or telephone.

✓ Automated regular transfers can be set up.

✓ Personal currency assistants for each clients.

✓ Wide global reach, accepting clients from most countries, and dealing with most currencies.

✓ Regulated by the Financial Conduct Authority as an Approved Payment Provider.

✓ Charge no transfer fees.

✓ Will beat bank’s Buy / Sell rates any day of the week.

✓ Expertise in immigration and transfers of pensions, mortgages, and salaries.

✓ Great client reviews across the web.


What makes banks a worse choice?

Not easy to sign up. You can only figure out the rates once you’re a client.

No personalised assistance. Private clients don’t have direct access to currency dealers.

Non-transparent fees, consisting of fixed transfer fees, commissions and exchange rate markup.

✗ High transfer fees of up to £30 per transfers.

✗ Worse exchange rates than commercial firms.

✗ Often, terrible reviews by clients online.

Word of Advice

 Beware of Honeymoon Rates: Some remittance companies would offer you tight margins for your first transfer, but as you used them frequently, this margins will increase. Make sure to convey to any company you’re dealing with that you’ll expect the same margin for future transfers, and take a minute to compare between each transfers exchange rate and the real current currency exchange rate.

MoneyTransferComparion’s Life Abroad Magazine


The Process: Lean the basics of commercial money transfer.

FX Companies VS Banks: Lean how commercial firms differ from banks.

Repatriation of Funds: Learn about how to receive your funds into your new bank account.



The World’s Remittance Market: View our comprehensive report and infographic dealing with the role of global remittances for developing countries. Newly updated with information about mobile payments in Africa.

The World’s Inequality: An Indian CEO is likely to make a salary large as 420 as his employees. Learn about the underlying reasons for the world’s economic inequality and how it connects with the topic of remittances.

 Moving Abroad

The World’s Best Expat Blogs: View our selection for the most recommended expat blogs.

Top immigrant accepting countries: A list of the top 5 countries where it’s easiest to naturalize, together with the top 5 countries with most difficult naturalization policies.

Tips for Relocating Abroad: Things to do before moving abroad.

Property Overseas Tips: Get better deals on property you purchase.

World’s Happiest Nations List: Considering a relocation? check out the world’s happiest nations.

Studying Abroad: Learn the best countries and universities to study abroad in.

The Psychology of Moving AbroadLearn to avoid psychological risk associated with relocation.

How to fill in your US Visa Application: Learn to avoid mistakes relating to filling out a standard i-30 or i-40 application to the USA.


Last Words On Sending Money Home

In a world that gets more global day after day, opportunities are increasing and cultural boundaries becoming meaningless. Indeed as “the global citizen” concept takes more and more importance, millions of people relocate to remote places to work, live, discover and pursue their dreams. As this movement entails opportunities, it usually yields financial gains and drives up international money transfers and remittances.

While some would send money home to help their families, others would do so in order to invest their savings. However regardless of the purpose, most expatriates would whether rely on a bank or on an international money transfer company.In fact more and more expatriates opt for money exchange companies as they provide way more value than banks. They enable cost savings, risk limitation and quicker execution. However as hundreds of these companies have been created, it has become critical to identify the ones that would maximize value.

Through our assessment, we could indeed detect some differences and we have carefully filtered and selected the companies that will satisfy any expatriate. As a result, Transferwise, MoneyCorp, Currencies Direct and World First are all market players that will enable expatriates to make regular payments and hedge future exposure while providing them with state of the art guidance and customer support.

Azimo and World Remit, in our opinion, the best way to send money to your family home, and pick it up as cash to India, Pakistan, Mexico, ot Bangladesh. There is no other way to turn your Pounds, Euros or Dollars into Rupee, Peso, Taka, Hryvnia, Leu, Zloty, Lira or others. Shall you have already been using a international remittance company, then the reviews above will definitely provide you with insight and perspective. Should you have never done it before, then your journey might begin here!


  1. Mal N


    Posted on November 12, 2014
  2. Larry

    I use moneycorp because I prefer the big household names. They’re alright, very responsive.

    Posted on November 25, 2014
  3. MonkeyB

    Where is World’s First? Best site.

    Posted on December 1, 2014
  4. Jeremy - ie

    I transfer Euros to pound on a regular basis, currently residing in the great city of Barcelona.

    I am paying 20 Euro per transfer, and about 3% in exhange rates. That means I get 950 Euro (value) for every 1000 Euro I transfer.

    With either one of your featured companies, should I pay less? What is an FX company standard margin?

    Posted on January 29, 2015
    • Ataq

      Try premfx I use them to pay from Portugal to UK and save about 40 euros every month 🙂

      Posted on May 29, 2015
    • compare

      Sorry for the belated reply Jeremy. Yes, indeed any of the companies featured on this page would be adequete for your requirements. You are overpaying by a lot. Transferring that amount monthly should cost no more than 20 Euros a month with our recommended firms. Good luck.

      Posted on November 14, 2015

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