What does it really cost to send money?

Every provider surveyed in a corridor, cheapest first. The total cost is the fee plus the hidden markup in the exchange rate. Every number links to the file it came from, and every one was checked before it was shown.

CorridorAmount

Corridor

United Kingdom → India

Sending

120 GBP

Cheapest total cost

0.15%

Most expensive

3.31%

Surveyed

Q3 2025 · 28 services

Provider	How	Fee	FX margin	Total cost	Recipient gets	Checks	Evidence
State Bank of India Bank	Bank account transfer · Internet Less than one hour	0.00 GBP	0.15%	0.15%	14,148.00 of 14,169.17 at interbank	all checks passed	proof source: wb-rpw record: 1212252876 observed: 2025-09-03 file sha256: f1d7265b1856d618… run: dc5674cc
State Bank of India Bank	Debit card · Bank branch Less than one hour	0.00 GBP	0.15%	0.15%	14,148.00 of 14,169.17 at interbank	all checks passed	proof source: wb-rpw record: 1212252875 observed: 2025-09-03 file sha256: f1d7265b1856d618… run: dc5674cc
Skrill Money Transfer Operator	Bank account transfer · Internet Same day	0.00 GBP	0.49%	0.49%	14,163.14 of 14,232.24 at interbank	all checks passed	proof source: wb-rpw record: 1212252626 observed: 2025-08-16 file sha256: f1d7265b1856d618… run: dc5674cc
Western Union Money Transfer Operator	Bank account transfer · Internet Less than one hour	0.99 GBP	0.15%	0.98%	13,963.33 of 14,101.14 at interbank	all checks passed	proof source: wb-rpw record: 1212252478 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Wise Money Transfer Operator	Bank account transfer · Internet Next day	1.31 GBP	0.00%	1.09%	13,949.04 of 14,103.06 at interbank	all checks passed	proof source: wb-rpw record: 1212252123 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Paysend Money Transfer Operator	Bank account transfer · Internet Less than one hour	1.00 GBP	0.37%	1.20%	13,934.46 of 14,103.17 at interbank	all checks passed	proof source: wb-rpw record: 1212252388 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
ICICI Bank Bank	Bank account transfer · Bank branch Next day	1.00 GBP	0.38%	1.21%	13,886.11 of 14,056.65 at interbank	all checks passed	proof source: wb-rpw record: 1212252777 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
ICICI Bank Bank	Bank account transfer · Call Center Next day	1.00 GBP	0.38%	1.21%	13,886.11 of 14,056.65 at interbank	all checks passed	proof source: wb-rpw record: 1212252770 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
ICICI Bank Bank	Bank account transfer · Internet Next day	1.00 GBP	0.41%	1.24%	13,882.54 of 14,056.28 at interbank	all checks passed	proof source: wb-rpw record: 1212252765 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Wise Money Transfer Operator	Debit card · Internet Next day	2.07 GBP	0.00%	1.72%	13,859.72 of 14,103.06 at interbank	all checks passed	proof source: wb-rpw record: 1212252125 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
MoneyGram Money Transfer Operator	Bank account transfer · Internet Less than one hour	1.99 GBP	0.25%	1.91%	13,839.74 of 14,108.00 at interbank	all checks passed	proof source: wb-rpw record: 1212252176 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
MoneyGram Money Transfer Operator	Debit card · Internet Less than one hour	1.99 GBP	0.25%	1.91%	13,839.74 of 14,108.00 at interbank	all checks passed	proof source: wb-rpw record: 1212252480 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
MoneyGram Money Transfer Operator	Credit card · Internet Less than one hour	1.99 GBP	0.30%	1.96%	13,858.78 of 14,135.31 at interbank	all checks passed	proof source: wb-rpw record: 1212252479 observed: 2025-08-08 file sha256: f1d7265b1856d618… run: dc5674cc
Western Union Money Transfer Operator	Bank account transfer · Internet Less than one hour	1.99 GBP	0.35%	2.01%	13,818.27 of 14,101.14 at interbank	all checks passed	proof source: wb-rpw record: 1212252440 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Remitly Money Transfer Operator	Credit card · Internet Less than one hour	1.99 GBP	0.45%	2.11%	13,811.89 of 14,107.60 at interbank	all checks passed	proof source: wb-rpw record: 1212252533 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Remitly Money Transfer Operator	Debit card · Internet Less than one hour	1.99 GBP	0.45%	2.11%	13,811.89 of 14,107.60 at interbank	all checks passed	proof source: wb-rpw record: 1212252534 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Punjab National Bank Bank	Bank account transfer · Internet Next day	0.00 GBP	2.18%	2.18%	13,920.00 of 14,230.00 at interbank	all checks passed	proof source: wb-rpw record: 1212252711 observed: 2025-08-15 file sha256: f1d7265b1856d618… run: dc5674cc
Punjab National Bank Bank	Bank account transfer · Internet Next day	0.00 GBP	2.18%	2.18%	13,920.00 of 14,230.00 at interbank	all checks passed	proof source: wb-rpw record: 1212252714 observed: 2025-08-15 file sha256: f1d7265b1856d618… run: dc5674cc
WorldRemit Money Transfer Operator	Credit card · Internet Same day	1.99 GBP	0.63%	2.29%	13,785.63 of 14,107.60 at interbank	all checks passed	proof source: wb-rpw record: 1212252536 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
WorldRemit Money Transfer Operator	Bank account transfer · Internet Same day	1.99 GBP	0.63%	2.29%	13,785.63 of 14,107.60 at interbank	all checks passed	proof source: wb-rpw record: 1212252535 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
WorldRemit Money Transfer Operator	Debit card · Internet Same day	1.99 GBP	0.63%	2.29%	13,785.63 of 14,107.60 at interbank	all checks passed	proof source: wb-rpw record: 1212252537 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Ria Money Transfer Operator	Credit card · Internet Less than one hour	2.50 GBP	0.43%	2.51%	13,754.90 of 14,108.12 at interbank	all checks passed	proof source: wb-rpw record: 1212252584 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Ria Money Transfer Operator	Debit card · Internet Less than one hour	2.50 GBP	0.43%	2.51%	13,754.90 of 14,108.12 at interbank	all checks passed	proof source: wb-rpw record: 1212252585 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Xoom Money Transfer Operator	Bank account transfer · Internet Less than one hour	1.99 GBP	1.41%	3.07%	13,673.55 of 14,102.43 at interbank	all checks passed	proof source: wb-rpw record: 1212252201 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Xoom Money Transfer Operator	Credit card · Internet Less than one hour	1.99 GBP	1.41%	3.07%	13,673.55 of 14,102.43 at interbank	all checks passed	proof source: wb-rpw record: 1212252202 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Xoom Money Transfer Operator	Debit card · Internet Less than one hour	1.99 GBP	1.41%	3.07%	13,673.55 of 14,102.43 at interbank	all checks passed	proof source: wb-rpw record: 1212252203 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Western Union Money Transfer Operator	Cash · Agent Less than one hour	2.90 GBP	0.71%	3.13%	13,662.18 of 14,101.14 at interbank	all checks passed	proof source: wb-rpw record: 1212252627 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc
Wise Money Transfer Operator	Credit card · Internet Next day	3.97 GBP	0.00%	3.31%	13,636.43 of 14,103.06 at interbank	all checks passed	proof source: wb-rpw record: 1212252124 observed: 2025-08-20 file sha256: f1d7265b1856d618… run: dc5674cc

Hover a check for its detail. Prices that failed a check are held back and listed on the Operations page instead. “Recipient gets” is only shown where the provider disclosed its rate.

How this corridor has moved

cheapest providermedian provider