Mid-market rate 1 GBP = 1.17976 EUR (ECB reference, 2026-10-09). Below: how much euro the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers €123.94 more to the recipient than Western Union — a 2.11% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | €1,173.86 | £5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | €1,173.12 | £5.63 0.56% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | €1,169.73 | £8.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | €1,168.55 | £9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | €1,145.92 | £28.69 2.87% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | €5,870.92 | £23.63 0.47% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | €5,869.31 | £25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | €5,848.66 | £42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | €5,842.76 | £47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | €5,746.98 | £128.69 2.57% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | €11,743.18 | £46.13 0.46% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | €11,738.61 | £50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | €11,697.32 | £85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | €11,685.52 | £95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | €11,498.31 | £253.69 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.