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An independent annual ranking of the providers that businesses use to pay suppliers abroad, get paid in other currencies and convert money. 11 providers, six criteria, nothing paid for.
Scores out of 100. Each segment weights the criteria differently; the method is below. Facts read on 26 October 2026 from the providers' own pages.
The mean of the 3 segment scores.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. WorldFirst | 93 | Multi-currency business account | Exporters and online sellers paying suppliers in Asia, especially China |
| 2. Airwallex | 93 | Global business account and payments platform | Businesses and platforms wanting exact FX margins, wide reach and many licences |
| 3. Wise Business | 85 | Multi-currency business account | Small businesses wanting fast payments and a full public API |
| 4. Payoneer | 70 | Cross-border payments platform | Online sellers and service firms collecting from marketplaces and clients abroad |
| 5. Nium | 64 | Cross-border payments infrastructure | Payment firms and platforms building payouts through an API |
| 6. Currenxie | 62 | Global business account | Asia-facing businesses wanting a fully priced account |
| 7. OFX | 54 | Global business account and FX provider | Small businesses wanting a published fee schedule and Xero connection |
| 8. Ebury | 50 | Global payments and FX provider | Mid-sized importers and exporters wanting payments with currency hedging |
| 9. Convera | 48 | Commercial cross-border payments and FX provider | Larger businesses, universities and credit unions paying in exotic currencies |
| 10. Thunes | 38 | Cross-border payments network | Banks, remittance firms and wallets paying out to mobile wallets and accounts |
| 11. Corpay Cross-Border | 32 | Cross-border payments and FX risk provider | Mid-sized and large firms paying in many countries with hedging support |
Weighted to published pricing and collection accounts: a smaller business needs to know what each payment costs and to get paid like a local.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. WorldFirst | 93 | Multi-currency business account | Exporters and online sellers paying suppliers in Asia, especially China |
| 2. Airwallex | 92 | Global business account and payments platform | Businesses and platforms wanting exact FX margins, wide reach and many licences |
| 3. Wise Business | 84 | Multi-currency business account | Small businesses wanting fast payments and a full public API |
| 4. Payoneer | 70 | Cross-border payments platform | Online sellers and service firms collecting from marketplaces and clients abroad |
| 5. Currenxie | 67 | Global business account | Asia-facing businesses wanting a fully priced account |
| 6. Nium | 56 | Cross-border payments infrastructure | Payment firms and platforms building payouts through an API |
| 7. OFX | 55 | Global business account and FX provider | Small businesses wanting a published fee schedule and Xero connection |
| 8. Ebury | 43 | Global payments and FX provider | Mid-sized importers and exporters wanting payments with currency hedging |
| 9. Convera | 42 | Commercial cross-border payments and FX provider | Larger businesses, universities and credit unions paying in exotic currencies |
| 10. Thunes | 31 | Cross-border payments network | Banks, remittance firms and wallets paying out to mobile wallets and accounts |
| 11. Corpay Cross-Border | 25 | Cross-border payments and FX risk provider | Mid-sized and large firms paying in many countries with hedging support |
Weighted to speed, integration and regulatory standing: a regulated firm needs fast payouts through an API and a licensed partner its own regulator will accept.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. WorldFirst | 94 | Multi-currency business account | Exporters and online sellers paying suppliers in Asia, especially China |
| 2. Airwallex | 94 | Global business account and payments platform | Businesses and platforms wanting exact FX margins, wide reach and many licences |
| 3. Wise Business | 88 | Multi-currency business account | Small businesses wanting fast payments and a full public API |
| 4. Nium | 70 | Cross-border payments infrastructure | Payment firms and platforms building payouts through an API |
| 5. Payoneer | 70 | Cross-border payments platform | Online sellers and service firms collecting from marketplaces and clients abroad |
| 6. Currenxie | 60 | Global business account | Asia-facing businesses wanting a fully priced account |
| 7. Ebury | 56 | Global payments and FX provider | Mid-sized importers and exporters wanting payments with currency hedging |
| 8. Convera | 52 | Commercial cross-border payments and FX provider | Larger businesses, universities and credit unions paying in exotic currencies |
| 9. OFX | 52 | Global business account and FX provider | Small businesses wanting a published fee schedule and Xero connection |
| 10. Thunes | 42 | Cross-border payments network | Banks, remittance firms and wallets paying out to mobile wallets and accounts |
| 11. Corpay Cross-Border | 34 | Cross-border payments and FX risk provider | Mid-sized and large firms paying in many countries with hedging support |
Weighted to reach and integration: a platform pays sellers and contractors in many countries through its own software.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. WorldFirst | 93 | Multi-currency business account | Exporters and online sellers paying suppliers in Asia, especially China |
| 2. Airwallex | 92 | Global business account and payments platform | Businesses and platforms wanting exact FX margins, wide reach and many licences |
| 3. Wise Business | 84 | Multi-currency business account | Small businesses wanting fast payments and a full public API |
| 4. Payoneer | 70 | Cross-border payments platform | Online sellers and service firms collecting from marketplaces and clients abroad |
| 5. Nium | 66 | Cross-border payments infrastructure | Payment firms and platforms building payouts through an API |
| 6. Currenxie | 59 | Global business account | Asia-facing businesses wanting a fully priced account |
| 7. OFX | 55 | Global business account and FX provider | Small businesses wanting a published fee schedule and Xero connection |
| 8. Ebury | 52 | Global payments and FX provider | Mid-sized importers and exporters wanting payments with currency hedging |
| 9. Convera | 49 | Commercial cross-border payments and FX provider | Larger businesses, universities and credit unions paying in exotic currencies |
| 10. Thunes | 40 | Cross-border payments network | Banks, remittance firms and wallets paying out to mobile wallets and accounts |
| 11. Corpay Cross-Border | 37 | Cross-border payments and FX risk provider | Mid-sized and large firms paying in many countries with hedging support |
Each criterion is scored 0 to 5 against the best published offer in this edition. 0 means not offered or not published.
| Provider | Payment reach | Published pricing | Payment speed | Collection accounts | Integration | Regulatory standing |
|---|---|---|---|---|---|---|
| WorldFirst | 5 | 4 | 5 | 5 | 4 | 5 |
| Airwallex | 4 | 4 | 5 | 5 | 5 | 5 |
| Wise Business | 3 | 3 | 5 | 5 | 5 | 5 |
| Payoneer | 4 | 3 | 3 | 4 | 3 | 4 |
| Nium | 5 | 0 | 2 | 3 | 4 | 5 |
| Currenxie | 2 | 5 | 1 | 3 | 3 | 5 |
| OFX | 3 | 4 | 2 | 2 | 3 | 2 |
| Ebury | 4 | 0 | 0 | 2 | 4 | 5 |
| Convera | 5 | 0 | 0 | 2 | 2 | 5 |
| Thunes | 3 | 0 | 2 | 1 | 3 | 2 |
| Corpay Cross-Border | 4 | 0 | 0 | 1 | 3 | 1 |
6 criteria, scored only from what each provider publishes.
The published number of countries a business can pay into and the number of currencies it can send.
The foreign exchange margin (the amount added on top of the market exchange rate) and the fee per payment, on a pricing or fee page. "From", "up to" and introductory rates count for less or not at all.
A published delivery time, ideally the share of payments that arrive within a stated time.
Local account details (a local account number or IBAN in another country) so that overseas customers can pay the business as if it were local, and the number of currencies offered.
An API (a connection that lets the business's own software send payments automatically) with a test environment, batch payments, accounting or ERP connections, and self-serve sign-up.
The licences the provider publishes, with the regulator and the licence or register number for each region.
| Criterion | SMEs and exporters | Payment and e-money firms | Marketplaces and platforms |
|---|---|---|---|
| Payment reach | 15 | 20 | 25 |
| Published pricing | 25 | 10 | 15 |
| Payment speed | 15 | 20 | 15 |
| Collection accounts | 20 | 10 | 15 |
| Integration | 10 | 20 | 20 |
| Regulatory standing | 15 | 20 | 10 |
| Criterion | 5 | 3 | 0 |
|---|---|---|---|
| Payment reach | 190 or more countries and 100 or more currencies published | About 150 countries, or 30 to 99 currencies, published | Not published |
| Published pricing | Exact FX margin and fees for local and Swift payments on a pricing or fee page | Some fees published, or ranges and "up to" figures | Not published, or "from" prices only |
| Payment speed | Published share of payments arriving within a stated time | A stated delivery time for some payments or routes | Not published |
| Collection accounts | Local account details in 20 or more currencies published | Local account details in about 10 currencies, or several named countries | Not published |
| Integration | API with a test environment, batch payments, accounting or ERP connections and self-serve sign-up | API or batch payments with one other option | Not published |
| Regulatory standing | Licences in five or more regions published with regulator and licence or register numbers | Licences named in several regions without numbers, or numbers for one or two regions | Not published |
Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the segment scores. Ties are broken by payment reach, then regulatory standing. A provider that does not publish a price is scored as though the price were high, because a business cannot plan on an unpublished price. Prices are scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves one country only is scored on access for that country, and the limitation is printed in its profile.
What each provider publishes, criterion by criterion, with the date read and the source.
A multi-currency business account, part of Ant International, built for paying suppliers and collecting from marketplaces. It publishes exact payment fees by currency and route, an FX rate ceiling, local accounts in 20+ currencies, a same-day delivery figure and licences with numbers in several regions. Its standard FX rate is an "up to" figure.
| Payment reach | "Pay suppliers in 100+ currencies, across 210+ countries and regions." |
| Pricing | Account: "Free" to open, no subscription. Payments: USD to United States £0.77, to Mainland China £11.55, other destinations £7.69; EUR via SEPA £0.27; GBP to UK £0.31; all other currencies £4.62 to £23.00. FX: standard rate "Up to 0.50%"; new customer rate 0.30% for six months. |
| Payment speed | "95% arrive on the same day"; priority transfers to China "arrive within 4 business hours"; payments to other World Accounts free and instant. |
| Collection accounts | "Receiving accounts in 20+ currencies, including USD, GBP, EUR, PLN, TRY, JPY and CNH", free; payouts collected from "130+ platforms". |
| Integration | Accounting software integration; enterprise "API toolkit" with API references; online sign-up for a free account. |
| Regulatory standing | World First UK Ltd: FCA EMI, Firm Reference 900508. World First Netherlands B.V.: DNB EMI, relation number R161090. World First Pty Ltd: ASIC AFS Licence 331945. World First Asia Ltd: HK MSO Licence 14-02-01352. MAS Major Payment Institution licences in Singapore. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.worldfirst.com, www.worldfirst.com, www.worldfirst.com.
A business account and payments platform for sending, receiving and converting money. It publishes an exact FX margin, plan prices and a Swift fee range, local account details in 20+ currencies, a same-day delivery figure and a full licence list with numbers. Its Swift fee is published as a range.
| Payment reach | Business account page: payouts "in 60+ currencies and 200+ countries". Pricing page: "Local transfers to 120+ countries" and "SWIFT transfers to 200+ countries". |
| Pricing | Explore plan: "£0 or £19 /month" (£0 with £10k deposited or held each month); Grow: "£49 /month". FX: "0.5% above interbank rates for major currencies, 1% for all others". Domestic transfers in EUR, GBP and CHF: "Free". Swift: "£10-20/ transfer (SHA and OUR)". |
| Payment speed | "93% of funds arriving within the same day" (business account page). |
| Collection accounts | "Accounts with local bank details in 20+ currencies"; Global Accounts page: "receive funds from 70+ countries". |
| Integration | "Automated FX transactions and transfers via API", international batch transfers, Xero and QuickBooks sync, "Core API access" on Explore, free one-month trial. |
| Regulatory standing | Licence page lists, among others: FCA EMI licence number 900876 (UK); Bank of Lithuania EMI licence no. 88; DNB relation number R179622 (Netherlands); MAS Major Payment Institution PS20200541; ASIC AFSL 487221; HK MSO 16-09-01929 and HKMA SVF0009; US money transmitter licences. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.airwallex.com, www.airwallex.com, www.airwallex.com, help.airwallex.com.
A multi-currency business account for paying, getting paid and converting money. It publishes the strongest speed figures in this edition, account details in 22 currencies, an open API with a sandbox and a licence list with numbers for each country. Its sending and conversion fees are published only as "from" rates.
| Payment reach | "Pay in 40+ currencies" (ways to pay page). No country count for business payments on the pages read. |
| Pricing | One set-up fee: "All in for 50 GBP"; account details in 22 currencies: 50 GBP. Sending and converting: "Fee varies by currency", "From 0.24%". Receiving: domestic payments free; USD wire and Swift 6.11 USD, GBP Swift 2.16 GBP, EUR Swift 2.39 EUR per payment. Volume discount above 20,000 GBP a month. |
| Payment speed | "70% arrive in 20 seconds and 95% in under 24 hours", "Accurate as of Q3, 2025". |
| Collection accounts | "Getting account details to receive in 22 currencies"; domestic receipts free in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD and USD. |
| Integration | Open API with a free sandbox account; batch payments of "up to 1,000 transfers at a time" by CSV upload; accounting software connections; online sign-up. |
| Regulatory standing | Wise Payments Limited: FCA EMI, Firm Reference 900507. Licence page by country includes ASIC AFSL 513764, National Bank of Belgium payment institution, FINTRAC MSB M15193392, HK MSO 25-03-03263 and Kanto Local Financial Bureau registration 00040. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: wise.com, wise.com, wise.com, wise.com, wise.com.
A platform for collecting, holding and paying out money across borders, used by marketplace sellers and service businesses. It publishes a full fee table, wide reach and receiving accounts in 22 currencies, and names its licences by region. Many fees are published as ranges or "up to" figures, and only its US registration number is shown.
| Payment reach | "receive, send, and manage cross-border payments across 190+ countries and territories and 70+ currencies". |
| Pricing | Receiving into a local-currency receiving account: "Free"; non-local currency: "1% (minimum fee of 1.00 USD or equivalent)". Withdrawal in same country and currency: 1.50 USD; cross-border withdrawal: 1.2% to 4%. Moving funds between balances: 0.50%. Annual account fee 29.95 USD under 6,000 USD received in 12 months. "Last updated on 1 January 2026." |
| Payment speed | Withdraw "to your local bank typically within 24 hours" (receiving accounts page). |
| Collection accounts | "get receiving account details in 22 currencies", including local details in 13 currencies: USD, EUR, GBP, JPY, AUD, CAD, SGD, HKD, AED, MXN, BRL, KRW and IDR. |
| Integration | "Preview and make up to 1000 payments in one action"; "ERP to data warehouse, Payoneer connects to your systems"; no-code payment links. No API or test environment on the pages read. |
| Regulatory standing | FinCEN MSB Registration No. 31000288349183; e-money institution authorised by the Central Bank of Ireland; Payoneer Payment Services (UK) Limited, FCA e-money institution; HK MSO; Kanto Finance Bureau registration; ASIC; RBI; MAS Major Payment Institution. Only the FinCEN number is shown. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.payoneer.com, www.payoneer.com, www.payoneer.com, www.payoneer.com.
A payments infrastructure provider that firms connect to through an API to pay out, collect and convert money. It publishes wide reach, a sandbox and a detailed licence list with numbers across many regions. It does not publish prices or delivery times beyond "real-time" statements.
| Payment reach | "Send funds to 190+ countries in local currencies and methods"; "Real-time conversion across 2,000+ currency pairs and 125+ currencies". |
| Pricing | Not published on the pages read. |
| Payment speed | "Add real-time global settlement without rebuilding your core infrastructure." No delivery times or shares published. |
| Collection accounts | "Hold, convert, and collect in 100+ currencies from one account." No count of local account details published. |
| Integration | API documentation; "Sign up for the Nium Web Portal" and "start building with Nium Sandbox today"; beneficiary account validation "across 50+ countries". |
| Regulatory standing | Licence page: Nium Fintech Limited, FCA reference 901024, and Nium Payments UK Limited, FCA 900800; UAB Nium EU, Bank of Lithuania EMI licence no. 14; NIUM Pte. Ltd., MAS Major Payment Institution PS20200276; ASIC AFSL 464627; HK MSO 16-01-01797; Kanto Local Finance Bureau licence 00073; FINTRAC M15669293. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.nium.com, www.nium.com, www.nium.com.
A Hong Kong-founded business account for collecting, converting and paying in many currencies. It publishes the most complete price list in this edition, with exact fees per payment type and FX margins by currency tier, and licences with numbers in five regions. Its reach is narrower and it does not publish delivery times.
| Payment reach | Swift payments "to and from over 120 countries worldwide"; Global Account holds USD, EUR, HKD, GBP, JPY, CAD, AUD, NZD, RMB (CNH), SGD, CHF, NOK, SEK, ZAR and MXN. |
| Pricing | Global Account: "Free". Each additional virtual account: USD 8.00. Collect local payments: "USD 0.75 per transfer"; send local payments: "USD 3.00 per transfer"; Swift: "USD 8.00 per transfer". FX: Tier 1 major currencies 0.35%, Tier 2 0.40%, Tier 3 0.50%, Tier 4 0.60%, USD/HKD 0.10%. |
| Payment speed | Collected funds "are instantly available in your Global Account". No delivery times for outgoing payments published. |
| Collection accounts | Virtual accounts to "collect payments like a local" in the USA, UK, EU, Hong Kong, Australia, Japan, Canada and Mexico. |
| Integration | "Platform API" for mass payments, collections and card issuing; multi-user team access; online application. |
| Regulatory standing | Help centre: Currenxie Limited, HK Customs and Excise MSO licence 14-05-01424; Currenxie UK Limited, FCA EMI registration number 901010; Currenxie SA Pty Limited, FSP Number 48691; Currenxie Australia Pty Ltd, registered with AUSTRAC; Canadian MSB registration M20910536. News page: EMI authorisation from the Central Bank of Ireland. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.currenxie.com, www.currenxie.com, help.currenxie.com, currenxie.com.
An Australian-founded global business account and FX provider. It publishes a fee schedule with exact payment fees and an automatic conversion margin, batch payments and a Xero connection. The fee schedule read is for US clients, the margin on payment conversions is not stated, and only its UK licence number is shown on the pages read.
| Payment reach | "Instantly pay suppliers in 30+ currencies and 180+ countries." |
| Pricing | US fee schedule (USForex Inc., effective 1 October 2026): Swift wire $20.00 per payment; FedWire $5.00; receiving by wire or Swift $5.00; ACH 20 a month included then $0.50; automatic conversion margin 1.50%. Currency conversion margin on payments: "included in the exchange rate quoted to you". |
| Payment speed | "Instantly pay suppliers" stated; no delivery times or shares published. |
| Collection accounts | "One account to hold funds in 30+ currencies. Receive and make payments like a local." No count of local account details published. |
| Integration | Batch payments with bulk approval, multi-layer approval workflows, "auto-connects to Xero", free online sign-up. |
| Regulatory standing | "We are authorised by the Financial Conduct Authority as an Electronic Money Institution (Firm Ref. No. 902028)." |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.ofx.com, www.ofx.com.
A global payments and FX provider for mid-sized businesses, with hedging and trade finance alongside payments. It publishes wide reach, API and bulk payment options and the most detailed licence list in this edition. It does not publish prices, delivery times or a count of local account currencies.
| Payment reach | "160+ countries to send payments"; "140+ currencies supported"; "30+ regulated markets". |
| Pricing | Not published on the pages read. |
| Payment speed | Not published on the pages read. |
| Collection accounts | "Open local accounts and receive funds from your customers in their preferred currency without extra fees." No currency count published. |
| Integration | "Make bulk payments via API or simple file upload"; connections to "Xero and NetSuite"; APIs to embed payments and FX. |
| Regulatory standing | Group legal entities page: Ebury Partners UK Limited, FCA EMI reference 900797; Ebury Mass Payments Limited, FCA payment institution 577057; Ebury Partners Belgium NV/SA, National Bank of Belgium payment institution; Ebury Partners Lithuania UAB, authorisation code LB002070; ASIC AFSL 520548; HK MSO 18-09-02555; MAS Major Payment Institution; DFSA F007626. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: ebury.com, ebury.com.
A commercial cross-border payments and FX provider, formerly the business payments arm of Western Union. It publishes the widest currency reach in this edition and a detailed licence list with numbers, including 54 US licences. It does not publish prices, delivery times, local account details or API terms on the pages read.
| Payment reach | "Send single or batch payments in over 140 currencies to more than 200 countries and territories." |
| Pricing | Not published on the pages read; homepage states "no hidden fees". |
| Payment speed | Not published on the pages read. |
| Collection accounts | "Collect payments in more than 100 currencies" by wire, cheque, card and other methods; "multi-currency holding balance". Local account details not stated. |
| Integration | Batch payments; GlobalPay platform; case study of integration with Piteco's treasury management system. No API documentation on the pages read. |
| Regulatory standing | Licence page: Convera UK Limited, FCA Ref 517165; Convera Europe S.A., CSSF licence Z-0000028 (payment services); Convera Singapore, MAS PS20200438; Convera Australia, AFSL 404092; Convera Hong Kong, licence 12-06-00062; Convera USA, LLC registered with FinCEN and holding "54 licenses across the United States". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: convera.com, convera.com.
A Singapore-based payments network that banks, remittance firms and platforms connect to for payouts to bank accounts, mobile wallets and cards. It publishes reach in 140 countries, an API and security certifications, and states it holds 50 licences. It does not publish prices, delivery times or its licence list on the pages read.
| Payment reach | "Send payments instantly, to 4B mobile and stablecoin wallets, 8B bank accounts and 15B cards across 140 countries"; liquidity "in 90 currencies". |
| Pricing | Not published on the pages read; homepage states "100% transparency on pricing and FX fees". |
| Payment speed | "Send and receive real-time payments across borders"; no delivery times or shares published. |
| Collection accounts | "Accept payments via preferred local methods." Local account details not stated. |
| Integration | "Connect via API or Swift"; public money transfer API documentation. |
| Regulatory standing | "We are licensed in 50 markets and PCI DSS and ISO27001 compliant." Licences and numbers not listed on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.thunes.com, docs.thunes.com.
The cross-border payments and currency risk business of Corpay. It publishes wide country reach, mass payments with ERP import and an API for managing client entities. It does not publish prices, delivery times or licence numbers on its pages; licensing information is provided only as a download.
| Payment reach | "4.1+ million payments annually, 200+ countries, and 21,000+ customers". FXBalance stored value "in nearly 40 currencies". |
| Pricing | Not published on the pages read. |
| Payment speed | Not published on the pages read. |
| Collection accounts | "Multi-currency securely stored value via FXBalance in nearly 40 currencies". Local account details not stated. |
| Integration | "Make mass payments using our file upload process or import payments directly from most ERP systems"; "Downstream entity management via API". |
| Regulatory standing | Compliance page lists group entities by region and states that Corpay "maintains appropriate licensing and regulatory standards for a Money Services Business (and equivalent)"; licence details provided as a download, not on the page. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.corpay.com, www.corpay.com, www.corpay.com.
The index is paid for by nobody.
No provider pays to be assessed, listed or ranked, and there are no sponsored places. Providers do not apply: BCC selects the providers a business is likely to consider and scores them from their own pages. Any provider may ask to be assessed; the request changes nothing about the score.
Every figure is read from the provider's own pricing, product, legal or help page on the date shown. Providers may send corrections to [email protected]; a correction changes the page only where the provider's own page supports it. Every provider is re-read monthly and a new edition is published each October.
Banks, consumer money transfer apps sold only to individuals, card schemes, and providers that sell only to banks with no business offering are left out. Firms that sell only currency hedging, only payroll or only stablecoin settlement are not assessed here; stablecoin settlement has its own index. Revolut Business and XTransfer are not assessed in this edition because their pages could not be read in full at the date of reading.
Ranked providers may show the index badge on their own site.
The badge is free. The one condition is that it links to this page, so that a reader can check the score and the method behind it. It is withdrawn if the link is removed or the provider leaves the index.
Embed: <a href="https://www.buckinghamcapitalconsulting.com/cross-border-payments-index"><img src="https://www.buckinghamcapitalconsulting.com/assets/bcc-cross-border-payments-index-2026.svg" alt="Ranked in the Buckingham Capital Consulting Cross-border Payments and Remittance Index 2026" width="300"></a>
Nobody. No provider pays to be assessed, listed or ranked.
It is the amount a provider adds on top of the market exchange rate when it converts money. A margin of 0.5% on a £10,000 conversion costs £50, on top of any fee per payment. Many providers do not show the margin separately, so it is hard to compare them.
A "from" price is the lowest rate for the cheapest route and an "up to" price is a ceiling. Neither tells a business what a given payment will cost. Only an exact fee or margin on a pricing or fee page scores in full.
They are local account details, such as a UK sort code and account number or a euro IBAN, issued in the business's name. Customers abroad pay them with a domestic transfer, which is usually cheaper and faster than an international wire.
A regulated firm that uses another provider to move its customers' money must show its own regulator that the provider is licensed where it operates. A published licence list with numbers lets the firm check each licence on the regulator's register.
No. The index compares published facts and is not a recommendation to use a particular provider.
Tell us what you need and where you operate.