A reference exchange rate is not necessarily the rate offered for a bank transfer, card payment or cash exchange. Ask for the rate applicable to your transaction.
Compare like with like
Compare quotes for the same amount, currency, payout method and time. Include charges as well as the quoted rate. Check whether the recipient may face additional deductions.
A simple way to compare
For each quote, record the total you pay and the amount the recipient receives. If both quotes use the same sending and receiving currencies, that comparison helps reveal the overall cost. Delivery time and cancellation terms also matter.
Exchange rates can change before a transaction is confirmed. This page intentionally contains no live-rate table or historical rate presented as current. For transfers, see the remittance checklist.