01Transfers
How international money transfers work
Follow the journey from sender to recipient and see where fees, exchange rates and intermediaries can affect the final amount.
Read the guide →INTERNATIONAL MONEY
Move money across borders with fewer surprises.
Understand the exchange rate, transfer fee, receiving cost and other details that can change what the recipient actually gets.
START HERE
Understand the cost before you send.
Four practical guides cover the mechanics behind international transfers, from the exchange rate you see to the amount that reaches the recipient.
02Exchange rates
How exchange rates work
Understand reference rates, mid-market rates, provider rates and FX spreads before comparing a currency quote.
Read the guide →03Fees
How international transfer fees work
See the different costs that can appear between sending money and the amount ultimately received.
Read the guide →04Comparison
How to compare international money transfers
Compare recipient amount, exchange rate, fees, delivery time and payment method instead of relying on one headline number.
Read the guide →MANAGING MONEY ABROAD
Accounts, receiving money and bank details.
Practical explainers for people who hold, receive or move money across countries.
05Accounts
How multi-currency accounts work
Learn how multi-currency accounts handle holding, conversion and spending — and which costs and protections to check.
Read the guide →06Receiving money
How to receive money from abroad
Understand the account details a sender may need, including account numbers, IBAN, SWIFT/BIC and payment information.
Read the guide →07Bank details
IBAN vs SWIFT: what is the difference?
See the different jobs these international banking identifiers perform and why a transfer may require one or both.
Read the guide →
LIVE TOOL
Calculate an international transfer.
Enter the amount, transfer fee and exchange rate to estimate the amount received and make the cost easier to compare.
Open Transfer Calculator →
Uses the inputs you provide. Exchange rates are not presented as live market data.
BEFORE YOU SEND
Six checks that matter.
A transfer can look inexpensive while still producing a worse recipient outcome. Check the whole transaction.
01Amount sent
Start with the amount you actually plan to send, not only the advertised fee.
02Transfer fee
Check whether a visible fee is charged and whether the payment method changes it.
03Exchange rate
Compare the quoted rate with a relevant reference rate to understand the FX effect.
04Amount received
The recipient amount is often the clearest outcome for comparing a transfer.
05Delivery timing
Check when the recipient is expected to have access to the funds.
06Receiving costs
Check whether intermediary or receiving-side charges could reduce the final amount.
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