Best Way to Send Money to the UK

Ogvio is an upcoming money transfer platform that’s going to be available across 160+ countries, including the UK. Overall, it will be great if you’re an expat, remote worker, or have family across the world.

What I personally like is its promise of instant transfers. In case your family in the UK needs money ASAP, you won't have to panic or wait two business days. Wherever you are, you'll be able to just send it right there and then.

	OGVIO
Funding Methods	Card Apple Pay Google Pay Bank transfer
Delivery Methods	Bank deposit Card Google Pay Apple Pay
Supported Networks	Base
Transaction Speed	| | | | | Long Average Very Quick
Bulk Payments
Scheduled Payments
	Visit site Read review

Table: Ogvio asset movement

It also claims it will use a fair mid-market exchange rate, so you’re not getting secretly ripped off on hidden currency markups and account-to-account trasnfers will cost nothing. More importantly, there will be no monthly subscription. Plus, you'll even be able to send crypto with zero platform fees (you’ll just pay network fees). This pricing structure is especially good news for users looking for the cheapest way to send money to UK.

In terms of security, Ogvio will use 256-bit AES encryption and on-chain vaults. This means your funds will be protected both like a traditional fintech and like a crypto-grade protocol. Besides, its account will be non-custodial by design.

Key Features

Here’s what makes Ogvio worth the wait:

• Light KYC option. In some regions, Ogvio will offer a minimal-verification mode, where you can start sending money with very quick identity verification. This is ideal for privacy-conscious users or anyone who hates long onboarding.
• DM-style money transfers. Mistyping is one of the most common cybersecurity issues,^[1] and Ogvio plans to solve this completely. It will let you type someone’s @Tag and send money instantly, like messaging them on Instagram or X.

• No transfer limits. You'll be able to send any amount with Ogvio. There will be no minimum deposit, withdrawal, or transfer limit.
• Multiple delivery methods. Ogvio will support various delivery methods, including bank transfer, debit card, Google Pay, or Apple Pay.
• Full crypto flexibility. Apart from fiat, the platform will also support cryptocurrencies built on the Base chain. This way, users will be able to hold and send assets like BTC and ETH.

So, for those looking for the best way to send money to UK from USA or other countries, Ogvio will be a no-brainer. It will be fast, competitive, and user-friendly.

If you’re looking for the easiest way to transfer money from NZ to UK, Wise can be a solid pick. You send NZD, and your recipient gets GBP straight into their UK bank account – no messy conversions on their end. Wise currently supports 160+ countries and 40+ currencies, including JPY, MXN, USD, and more.

Fees aren’t fixed because these depend on how much you send and which transfer method you choose. Interestingly, bigger transfers (usually above $25,000) often get discounted rates. Just note that each transfer method also has its own limits, so not every option is available for high-value transfers.

When it comes to security, Wise is legit and regulated. In the UK, it’s authorized by the Financial Conduct Authority (FCA) as an Electronic Money Institution (EMI), which is the same level of regulatory oversight as major fintech banks have.

	WISE
KYC	ID, proof of address, selfie, other for larger limits
Fraud/AML Prevention	KYC Sanctions screening Transaction monitoring Additional checks 2-10 business days
Account Protection	2FA Device checks Card freeze Card controls Strong Customer Authentication
	Visit site

Table: Wise security features

Once your account is set up, you can enable two-factor authentication, get real-time transfer tracking, and enable automatic fraud monitoring. Behind the scenes, Wise constantly runs system scans and audits to detect any suspicious activity before it becomes an issue.

Key Features

Wise can be a good option for your best way to send money to UK from USA or other 160+ countries because of the following aspects:

• Transparent breakdown. Before you even hit sign-up, you get a full preview, including the fees, exchange rate, delivery estimate, and deposit options based on how much you’re sending.
• Multiple payout options. Recipients can get the money via email transfers, local bank accounts, SWIFT, or IBAN. This way, you can match whatever’s easiest for your recipient.
• Local payment options. Wise supports local payment options depending on where you send money from.

• Debit card access. Depending on the country, Wise offers a debit card that lets you withdraw up to around $350/month for free. You can also add the digital version to Apple Pay or Google Pay and spend online or in stores across 160+ countries and 40+ currencies instantly.
• Batch payments. Businesses can upload a simple spreadsheet and send up to 1,000 payouts in one go. There’s no repetitive clicking needed.

Overall, Wise is a good option if you hate those “Where did my money go?” moments and want flexible ways to deposit and get paid.

Remitly is one of the fan-favorites for sending money to the UK with a 4.6-star rating on TrustPilot. It supports users from 170+ countries, including the US, Canada, Singapore, the UAE, and most of Europe. The wide reach is ideal for supporting family, paying bills, or freelancing across borders.

As for fees, there’s no flat answer since it really depends on where you’re sending from, the transfer amount, and the currency you choose. For instance, a money transfer to UK from Australia requires a 0.99 AUD fee with a special rate. Meanwhile, those sending EUR to GBP may be required to pay 1.99 EUR for fees.

	REMITLY
Deposit Fees	N/A
Withdrawal Fees	N/A
Other Fees	Exchange rate markup
Card Maintenance Fees	No card
Fee Transparency
Markup
	Visit site Read review

Table: Remitly pricing structure

Security is also a strong point. Remitly uses bank-level encryption, two-factor authentication, and 24/7 fraud monitoring to keep your money and personal data protected at all times.

Key Features

Here are some features that make Remitly a strong option for sending money to the UK:

• No guesswork on fees. You see the exact cost and payout options before confirming anything. For example, if you want to transfer money from NZ to UK, you should see a list of supported UK banks, fees, the NZD-GBP exchange rate, and how much the recipient will get the pounds.
• Remitly One. It’s a soon-to-launch package from Remitly that gives you instant access to send up to $250 and pay later, 4% APY on wallet funds, plus cashback rewards for autopay users.

• 24/7 multilingual customer support. Remitly supports 18 languages to help you solve issues. Depending on the selected language, you can access chat and phone support.
• Guaranteed delivery time. If Remitly is late, they promised to refund your transfer fee. This benefit should give you extra peace of mind when timing really matters.

I'd say the transparent fees with potential discounts and delivery guarantee are what many users appreciate most. The platform is built for people who care about clarity and not getting hit with surprise costs, which is exactly what you want when finding the best way to send money to UK, right?

Revolut has been recognized as the Best International Payments Provider 2025 and Best Consumer Banking Mobile App 2025, which explains why over 12 million people in the UK already use it. It’s practically an all-in-one financial app, letting you hold multiple currencies, invest in stocks and crypto, and spend globally with its debit card.

Revolut offers five subscription tiers for its card, which you can see in the table below:

	REVOLUT
Deposit Fees	Card - up to 1.7% Bank - free
Withdrawal Fees	ATM - up to 2%
Other Fees	Unspecified
Card Maintenance Fees	Standard - free Plus - $3.99/mo Premium - $7.99/mo Metal - $14.99/mo Ultra - $45/mo
Fee Transparency
Markup
	Visit site

Table: Revolut pricing

While you can learn how to send money from US to UK with Revolut as it supports account opening in the EEA, UK, US, Australia, New Zealand, Singapore, Brazil, Japan, and Switzerland (with transfers to 140+ destinations), availability is limited in much of Asia and Africa, meaning users from these regions might need to find Revolut alternatives.

In terms of security, Revolut offers biometric authentication and customizable safety settings like card controls and location-based triggers.

Key Features

Revolut is packed with interesting features, including:

• Multiple sending methods. You can choose from bank transfers, card transfers, mobile wallet transfers, Revolut-to-Revolut, or payment links. Each comes with different speeds depending on your needs.
• Potentially free and instant transfers. Sending to another Revolut user is completely free and arrives instantly.
• Group expenses. It’s possible to split shared costs with friends worldwide, which is a helpful feature for things like group gifts, trips, or shared bills.

• Travel money card. You can spend globally in 150+ currencies with competitive exchange rates using your Revolut debit card.
• Highly rated mobile app. With good ratings on both Google Play and the App Store, Revolut offers a user-friendly mobile app. In fact, some users even mentioned that it has a better overall design than Wise.^[2]

If you’re someone who is paying rent abroad, splitting concert tickets with friends in three different countries, or just traveling, Revolut fits right into your lifestyle. Though, due to its subscription model, I think it would be more beneficial for people who make international transfers regularly.

Thanks to its wide reach, Western Union can be your best way to send money to UK from USA or other 200+ countries and territories.

It’s generally licensed and regulated in the countries where it operates, including being licensed as a money transmitter by the New York State Department of Financial Services. Meanwhile, in the UK, Western Union operates under its FCA-regulated subsidiary, Western Union Payment Services GB Limited.

	WESTERN UNION
Supported Countries	Africa Australia Algeria +197 more
Supported Languages	EN FR DE +27 more
Supported Fiat Currencies	HKD CHF CNY +127 more
Supported Cryptocurrencies	Fiat-only
	Visit site Read review

Table: Western Union coverage

Is Western Union the cheapest way to send money to UK? Not really. There are transfer fees and currency markup involved – unless you catch one of their promos (like fee-free first online transfers to a UK bank). The cost totally depends on how you send, how you pay, and where the recipient gets the money.

Security-wise, the team takes it seriously. It uses technologies like SSL and multi-factor authentication to secure online transfers and protect customer data.

Key Features

Here’s what makes it worth trying for UK transfers:

• Cash transfer and pickup. Besides the online options (e.g., sending and receiving money with cards or bank transfers), you can pay and let the recipient get the money in cash by going to a Western Union agent location.

• Custom exchange rate alerts. You can set your own target exchange rate so Western Union notifies you when USD, EUR, or any supported currency hits your preferred GBP rate. No need to keep checking manually.
• Real-time tracking. You can enter your 10-digit Money Transfer Control Number (MTCN) on the app or website to see exactly where your transfer is. If you don’t have it, submit your phone number, recipient’s country, and amount to track your funds. Adding the transfer date helps narrow it down even faster.

• Multiple support options. It’s possible to chat online, call, or even walk into a local agent or branch, which is ideal if you or your recipient prefers face-to-face assistance.
• Great in-person support. A lot of user reviews mention how kind and patient the staff are at physical branches, especially when assisting elderly people. This kind of human touch is reassuring if you don’t want your grandma navigating apps and QR codes by herself.

Western Union can be the best way to send money to UK if you want maximum flexibility, especially cash pickup, human support, and peace of mind for older or offline recipients. It may not always be the cheapest, but it’s one of the most reassuring options out there.

Instarem started in APAC back in 2014 with one goal: to make international money transfers easy and affordable for everyone. It has since grown globally with more than 1 million users and was recently named Innovation in Payments Finalist at FinTech Australia 2025.

Although Instarem is quite APAC-focused, you can still transfer money from US to UK. Other supported sending countries include Canada and the Eurozone. Transfer cost and speed depend on your payment method, destination, and payout preference. That said, Instarem always shows the exact fee, rate, and transfer methods upfront before you hit send.

	INSTAREM
Supported Countries	Australia India Singapore +60 more
Supported Languages	EN
Supported Fiat Currencies	USD EUR GBP +10 more
Supported Cryptocurrencies	Fiat-only
	Visit site

Table: Instarem's country and currency coverage

Headquartered in Singapore, Instarem is a licensed cross-border payments platform, operating as a Money Services Business (MSB) in Singapore, Hong Kong, Australia, and Canada. In the UK, it runs under Nium Fintech Limited, authorized by the FCA under the Electronic Money Regulations.

Beyond regulatory compliance, Instarem adds security layers like strict account verification, anti-fraud monitoring, and user authentication. More importantly, it’s ISO 27001 certified. What does this mean? You can be sure that Instarem is secure.

ISO 27001 is technically the global gold standard^[3] for keeping your data safe. To get certified, the company needs to actively spot risks, lock things down before anything goes wrong, and follow strict protection rules set by international regulators.

Key Features

Here are some of the features that make Instarem a good platform to send money to UK or other countries:

• Rewards program. Instarem gives you InstaPoints (IPs) whenever you send money or refer a friend. You can redeem 100–400 IPs (€1.25-€5) as discounts per transfer once you hit at least €500.
• Potential discounts. If you send over €20,000, Instarem might provide you with special rate cuts.
• Flexible sending options. Transfer methods vary by region. For example, if you transfer money from US to UK, you can choose ACH, Instarem Balance, or a wire transfer. Meanwhile, Singaporeans are limited to bank transfers only.

• Good exchange rates. This means more money for your recipient. I ran a quick comparison of Wise and Revolut. For $1,000 USD to GBP, both gave around £743, while Instarem landed more than £746.
• Business-friendly. You can bulk-pay up to 1,000 employees in their local currency, which is a useful feature for global teams.

Overall, Instarem has that good combo of rewards, competitive exchange rates, and business-ready features. It can be a good option for someone regularly transferring money managing global payouts at scale.

If you’re in Africa and need to send money to the UK, Mukuru is a service worth considering. It currently supports users from South Africa, Uganda, Kenya, and six other African countries who want to transfer money abroad.

Its fees depend on how much you send and which currency you’re sending from, but the good thing is Mukuru shows you everything upfront. The breakdown includes the exact fees and the amount your recipient will receive.

	MUKURU
Deposit Fees	Varies
Withdrawal Fees	Varies
Other Fees	None
Card Maintenance Fees	R30/month R70 - activation fee
Fee Transparency
Markup
	See TOP10 Brands

Table: Mukuru's pricing

Most Mukuru transfers arrive instantly, although in some cases it can take up to two days, especially if the money is being sent directly to a bank account. Transfers to a Mukuru Card or mobile wallet are usually instant, and cash pick-ups via Mukuru branches or partner locations are also processed very quickly.

Besides the instant transfer and transparent fees, is Mukuru safe to use? Yes, safety seems to be one of its strong features. Mukuru is regulated by the FCA in the UK. It also uses “Safeguarding”, meaning your money is stored in separate, protected accounts with reputable UK banks, not mixed with the company’s operational funds.

Key Features

This is why I think Mukuru deserves a spot on this “best way to send money to UK” list:

• Mukuru Card. It’s a prepaid card that lets you send money locally or internationally to 50+ countries, including Zimbabwe, South Africa, Mozambique, and more – directly from the card balance.
• Multiple ways to send money. You can initiate a transfer through the Mukuru app, WhatsApp, phone call, or even via USSD by dialing a specific code.

• Tiered system. Mukuru categorizes its verification and limits: Lite, Core, and Max. The Lite level, for example, lets you send up to R2,000 per month and only requires basic details. Meanwhile, the Max level gives you much higher sending limits, but you’ll need to provide additional documents, such as proof of income.
• Various customer support channels. You can get help via WhatsApp, phone call, Facebook chat, FAQs, or visit one of their physical branches if available in your area.
• Multilingual service. Mukuru offers support in multiple languages, such as Shona, French, Portuguese, and Chichewa, making it easier for users across Africa to get assistance in their local language.

Mukuru, I think, goes beyond the “bare-minimum” features of a money transfer app. The fact that you can initiate transfers via WhatsApp or even directly through a Mukuru Card, combined with multilingual customer support, makes it especially convenient for users across Africa.