True FX

What’s the cheapest way to send money?

Pick an amount and two currencies. We fill typical fees for each method and rank what you lose versus the live mid-market rate.

These are estimates, not quotes from the apps. Change Adjust fees if you know your real numbers. For rent, runway, and monthly costs, use the calculator on the home page.

The transfer

How much, and which two currencies.

Amount to sendUSD

You sendThey get

Not in the list? Choose “Enter my own…” and type the 3-letter code (GEL, VND, COP…).

How the money moves

Sending to someone else and spending your own money there are different questions. Pick one from the matching group.

To someone else

Your own money there

Mid-market: 1 USD in EUR

Loading live rate…

After fees · Wise

1 USD = 0.8540 EUR

Mid-market is 0.8600.

Adjust feesThese are typical estimates, not official numbers from the company›

Percent feeA cut of the amount sent. Use 0 if there isn’t one.Flat feeA fixed charge, like $25 on a wire. Use 0 if none.Worse rate %How much worse than mid-market. 3% on $1,000 is $30.

Countries covered so far

Each page is the same tool, prefilled for that country, plus what actually works there — which providers cover it and how the money lands.

Countries with a dedicated send-money page and how funds usually arrive there
Country	Currency	Usually arrives as
Cambodia	KHR	Mobile digital wallets (Wing Bank or ABA Bank)
Colombia	COP	Bank transfer to a Colombian account
Kenya	KES	M-Pesa wallet
Mexico	MXN	Bank transfer via SPEI
Tanzania	TZS	Mobile money (Vodacom M-Pesa, Airtel Money, Tigo Pesa, etc.)
Thailand	THB	Bank transfer to a Thai account
Turkey	TRY	Bank transfer to a Turkish account
Uganda	UGX	Mobile money wallet (MTN MoMo, Airtel Money)
Vietnam	VND	Bank transfer to Vietnamese account

Open a country for the full comparison, what each provider charges, and which ones do not serve it at all.