Mid-market rate 1 EUR = 0.84763 GBP (ECB reference, 2026-10-09). Below: how much british pound the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers £89.44 more to the recipient than Western Union — a 2.12% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | £843.39 | €5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | £842.69 | €5.83 0.58% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | £840.43 | €8.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | £839.58 | €9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | £822.75 | €29.35 2.94% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | £4,217.95 | €23.83 0.48% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | £4,216.96 | €25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | £4,202.13 | €42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | £4,197.89 | €47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | £4,128.51 | €129.35 2.59% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | £8,437.03 | €46.33 0.46% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | £8,433.92 | €50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | £8,404.25 | €85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | £8,395.78 | €95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | £8,260.71 | €254.35 2.54% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
For each provider:
Provider margins are typical retail-customer figures observed on each provider's own price calculator across major corridors (last reviewed 2026-04-29). They vary by corridor, time of day, payment method, and account tier — get a real-time quote at the “Quote” link in the table for your exact transfer.
We assume bank-funded online transfers, which is the cheapest path everywhere we sampled. Debit / credit-card funding adds 1–3% on top across providers. Western Union's walk-in cash price is meaningfully worse than online; we model online.
Last reviewed
April 29, 2026
Reviewed by
infoz Editorial Team — Editor, ZMedia Global Corp
Provider margins reviewed quarterly across major corridors. Mid-market reference rates from ECB 2026-10-09.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.
Provider links are nofollow + sponsored. Not financial advice. See disclaimer.