Find the best way to send money to the UK

4 of the best companies for sending money from the US to the UK

Best exchange rate

See full Wise review

Same exchange rate you see on Google with no margins added. Transfer Fees of 0.45% up to US$135,000 or 0.35% above, plus a flat fee of US$1.09. Regulated by the Financial Conduct Authority in the UK

  • Best rates up to $10,000
  • No hidden fees and charges
  • Super simple and fast to use
Fee free

See full Xe review

A good option for those who can wait 1-2 business days as they don't charge a fixed transfer fee. Rates are on average 0.5-2% more than the market exchange rate or that you see on Google. Licensed by the Department of Financial Services.

  • No fixed transfer fees
  • No minimum transfer limit
  • Better rates over $10,000
Best for over $20,000

See full OFX review

With personal account managers to help, no fixed transfer fees and a better rate the more you transfer, they are great option. It can take 1-3 days for large transfers to arrive. Licensed and registered in the US and UK.

  • No fixed transfer fees
  • Exceptional service
  • Overseas property experts
Best for cash
Xoom logo

Cash transfers are expensive, but Xoom is one of the cheapest. With no fixed fees over $1,000, they charge a 2%+ margin from USD to GBP. Paying by card can cost up to $30, but they do have a money back guarantee.

  • Pickup available in minutes
  • 466 pickup locations in UK
  • Regulated by PayPal

How to transfer money to the UK in 4 easy steps

  1. 1

    Register for an account with your chosen provider online or on their app in minutes and select the currenct amount you want to send.

  2. 2

    Add recipient information including their bank details. An 8 digit account number and a 6 digit bank sortcode or IBAN and address in the UK.

  3. 3

    Verify your ID. Sending from the US you’ll need a valid scanned government-issued photo ID.

  4. 4

    Pay for your transfer and you're done! Then you can track your transfer until it's received.

For more detail read our guide on how to send money abroad

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By Justin Rampono Updated March 1st, 2023