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FX & international payments
Compare cross-border payment providers — effective spread, currencies, wire fees and API. The tighter the spread, the more you keep; verify rates live.
| Provider | |||||||
|---|---|---|---|---|---|---|---|
1WI Wise Global · Wise Business / Multi-currency account | 0.43% ~· 62%Wise — Pricing & exchange rateshttps://wise.com/us/pricing/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 40 ~· 70%Wise — Pricing & exchange rateshttps://wise.com/us/pricing/Source class: website · reliability 80%Last verified 7d agoWise advertises holding/sending in ~40+ currencies; exact count varies by region. Verify live with the provider. | $0 ~· 55%Wise — Pricing & exchange rateshttps://wise.com/us/pricing/Source class: website · reliability 80%Last verified 7d agoWise charges a variable % fee rather than a flat wire fee; per-transfer cost varies by corridor. Verify live with the provider. | Yes ✓· 82%Wise — Pricing & exchange rateshttps://wise.com/us/pricing/Source class: website · reliability 80%Last verified 7d agoWise publishes a public API/Platform product. Verify live with the provider. | $1 !Wise — Pricing & exchange rateshttps://wise.com/us/pricing/Source class: website · reliability 80%Last verified 7d agoMinimums vary by currency/corridor. Verify live with the provider. | 82/100 | See & apply |
2AI Airwallex Global · Airwallex Global Business Account | 0.5% ~· 60%Airwallex — Pricinghttps://www.airwallex.com/us/pricingSource class: website · reliability 80%Last verified 7d agoAirwallex markets FX from ~0.5% above interbank for major pairs; varies by pair/region. Verify live with the provider. | 60 ~· 62%Airwallex — Pricinghttps://www.airwallex.com/us/pricingSource class: website · reliability 80%Last verified 7d agoAirwallex advertises holding ~20+ and collecting/paying in ~60+ currencies; counts vary. Verify live with the provider. | $0 !Airwallex — Pricinghttps://www.airwallex.com/us/pricingSource class: website · reliability 80%Last verified 7d agoLocal transfers often free; SWIFT/international wires may carry a fee. Verify live with the provider. | Yes ✓· 82%Airwallex — Pricinghttps://www.airwallex.com/us/pricingSource class: website · reliability 80%Last verified 7d agoAirwallex offers a public payments/embedded-finance API. Verify live with the provider. | $1 !Airwallex — Pricinghttps://www.airwallex.com/us/pricingSource class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 79/100 | See & apply |
3RE Revolut Global · Revolut Business | 0.6% ~· 55%Revolut Business — Pricing & FXhttps://www.revolut.com/business/business-account-plans/Source class: website · reliability 80%Last verified 7d agoInterbank FX within plan allowance; markup/fair-usage fee applies beyond it and on some currencies/weekends. Verify live with the provider. | 25 ~· 58%Revolut Business — Pricing & FXhttps://www.revolut.com/business/business-account-plans/Source class: website · reliability 80%Last verified 7d agoRevolut Business advertises holding/exchanging ~25+ currencies; exact set varies. Verify live with the provider. | $0 !Revolut Business — Pricing & FXhttps://www.revolut.com/business/business-account-plans/Source class: website · reliability 80%Last verified 7d agoLocal/SEPA transfers often free within plan allowance; SWIFT and out-of-allowance transfers carry fees. Verify live with the provider. | Yes ✓· 80%Revolut Business — Pricing & FXhttps://www.revolut.com/business/business-account-plans/Source class: website · reliability 80%Last verified 7d agoRevolut Business publishes a Business API. Verify live with the provider. | $1 !Revolut Business — Pricing & FXhttps://www.revolut.com/business/business-account-plans/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 74/100 | See & apply |
4NI Nium Global · Nium Global Payments Infrastructure | 0.5% !Nium — Global payments platformhttps://www.nium.com/Source class: website · reliability 80%Last verified 7d agoWholesale/enterprise pricing negotiated per contract; not publicly listed. Verify live with the provider. | 100 ~· 58%Nium — Global payments platformhttps://www.nium.com/Source class: website · reliability 80%Last verified 7d agoNium advertises payouts to 100+ markets in many currencies; exact count varies. Verify live with the provider. | $0 !Nium — Global payments platformhttps://www.nium.com/Source class: website · reliability 80%Last verified 7d agoPer-transaction pricing set by commercial agreement. Verify live with the provider. | Yes ✓· 82%Nium — Global payments platformhttps://www.nium.com/Source class: website · reliability 80%Last verified 7d agoNium is an API-first payments platform. Verify live with the provider. | $1 !Nium — Global payments platformhttps://www.nium.com/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 73/100 | See & apply |
5OF OFX Global · OFX International Money Transfers | 0.7% ~· 55%OFX — International money transfershttps://www.ofx.com/en-us/Source class: website · reliability 80%Last verified 7d agoOFX margin varies by amount and corridor; larger transfers typically tighter. Verify live with the provider. | 50 ~· 60%OFX — International money transfershttps://www.ofx.com/en-us/Source class: website · reliability 80%Last verified 7d agoOFX advertises sending to 190+ countries across ~50 currencies; exact count varies. Verify live with the provider. | $0 !OFX — International money transfershttps://www.ofx.com/en-us/Source class: website · reliability 80%Last verified 7d agoOFX often waives a fixed transfer fee above a threshold; smaller transfers may carry a fee. Verify live with the provider. | Yes ~· 58%OFX — International money transfershttps://www.ofx.com/en-us/Source class: website · reliability 80%Last verified 7d agoOFX offers an API/embedded solution for partners. Verify live with the provider. | $150 !OFX — International money transfershttps://www.ofx.com/en-us/Source class: website · reliability 80%Last verified 7d agoOFX has typically applied a minimum transfer amount; varies by region. Verify live with the provider. | 72/100 | See & apply |
6WO WorldFirst Global · WorldFirst World Account | 0.6% ~· 55%WorldFirst — Pricing & feeshttps://www.worldfirst.com/uk/pricing/Source class: website · reliability 80%Last verified 7d agoWorldFirst markets FX from a low margin above interbank; varies by pair/volume. Verify live with the provider. | 40 ~· 58%WorldFirst — Pricing & feeshttps://www.worldfirst.com/uk/pricing/Source class: website · reliability 80%Last verified 7d agoWorldFirst World Account advertises holding/converting ~20+ and paying in many more currencies; counts vary. Verify live with the provider. | $0 !WorldFirst — Pricing & feeshttps://www.worldfirst.com/uk/pricing/Source class: website · reliability 80%Last verified 7d agoLocal-currency payouts often free; SWIFT transfers may carry a fee. Verify live with the provider. | Yes ~· 60%WorldFirst — Pricing & feeshttps://www.worldfirst.com/uk/pricing/Source class: website · reliability 80%Last verified 7d agoWorldFirst offers API connectivity for partners/marketplaces. Verify live with the provider. | $1 !WorldFirst — Pricing & feeshttps://www.worldfirst.com/uk/pricing/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 71/100 | See & apply |
7CU Currencies Direct Global · Currencies Direct International Payments | 0.7% !Currencies Direct — International paymentshttps://www.currenciesdirect.com/Source class: website · reliability 80%Last verified 7d agoMargin negotiated per dealer/amount; not published. Verify live with the provider. | 40 ~· 56%Currencies Direct — International paymentshttps://www.currenciesdirect.com/Source class: website · reliability 80%Last verified 7d agoCurrencies Direct advertises transfers in ~40 currencies to many countries; exact count varies. Verify live with the provider. | $0 ~· 55%Currencies Direct — International paymentshttps://www.currenciesdirect.com/Source class: website · reliability 80%Last verified 7d agoOften advertises no transfer fee; receiving-bank/intermediary fees may apply. Verify live with the provider. | No !Currencies Direct — International paymentshttps://www.currenciesdirect.com/Source class: website · reliability 80%Last verified 7d agoPrimarily a dealer/online platform; broad public API not the headline product. Verify live with the provider. | $100 !Currencies Direct — International paymentshttps://www.currenciesdirect.com/Source class: website · reliability 80%Last verified 7d agoMinimums vary by region/product. Verify live with the provider. | 70/100 | See & apply |
8XE Xe Global · Xe Money Transfer | 1% !Xe — Money transfer & FXhttps://www.xe.com/Source class: website · reliability 80%Last verified 7d agoMargin built into the rate; varies by amount/corridor. Verify live with the provider. | 60 ~· 58%Xe — Money transfer & FXhttps://www.xe.com/Source class: website · reliability 80%Last verified 7d agoXe advertises transfers in ~60+ currencies to 130+ countries; exact count varies. Verify live with the provider. | $0 ~· 55%Xe — Money transfer & FXhttps://www.xe.com/Source class: website · reliability 80%Last verified 7d agoXe often advertises no transfer fee on many corridors; some carry a fee. Verify live with the provider. | Yes ~· 60%Xe — Money transfer & FXhttps://www.xe.com/Source class: website · reliability 80%Last verified 7d agoXe offers a currency-data / transfer API. Verify live with the provider. | $1 !Xe — Money transfer & FXhttps://www.xe.com/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 70/100 | See & apply |
9CO Corpay Global · Corpay Cross-Border (Cambridge) | 0.8% !Corpay Cross-Border (Cambridge) — FX & international paymentshttps://www.corpay.com/cross-borderSource class: website · reliability 80%Last verified 7d agoEnterprise FX margin negotiated per relationship; not published. Verify live with the provider. | 140 !Corpay Cross-Border (Cambridge) — FX & international paymentshttps://www.corpay.com/cross-borderSource class: website · reliability 80%Last verified 7d agoCorpay Cross-Border advertises payments in 140+ currencies to many countries; exact count varies. Verify live with the provider. | $0 !Corpay Cross-Border (Cambridge) — FX & international paymentshttps://www.corpay.com/cross-borderSource class: website · reliability 80%Last verified 7d agoPer-payment/wire pricing set by commercial agreement. Verify live with the provider. | Yes ~· 56%Corpay Cross-Border (Cambridge) — FX & international paymentshttps://www.corpay.com/cross-borderSource class: website · reliability 80%Last verified 7d agoCorpay offers API/integration for cross-border payments. Verify live with the provider. | $1 !Corpay Cross-Border (Cambridge) — FX & international paymentshttps://www.corpay.com/cross-borderSource class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 69/100 | See & apply |
10CO Convera Global · Convera Cross-Border Payments | 0.9% !Convera — Cross-border paymentshttps://www.convera.com/Source class: website · reliability 80%Last verified 7d agoFX margin negotiated per client/segment; not published. Verify live with the provider. | 140 !Convera — Cross-border paymentshttps://www.convera.com/Source class: website · reliability 80%Last verified 7d agoConvera advertises payments in 140+ currencies to 200+ countries/territories; exact count varies. Verify live with the provider. | $0 !Convera — Cross-border paymentshttps://www.convera.com/Source class: website · reliability 80%Last verified 7d agoPer-payment pricing set by commercial agreement. Verify live with the provider. | Yes ~· 56%Convera — Cross-border paymentshttps://www.convera.com/Source class: website · reliability 80%Last verified 7d agoConvera offers payments-platform/API integrations. Verify live with the provider. | $1 !Convera — Cross-border paymentshttps://www.convera.com/Source class: website · reliability 80%Last verified 7d agoIndicative — FX rates/spreads change; verify live with the provider. | 68/100 | See & apply |
Every value sourced · ★ Featured is labeled paid placement, never a score boost · tap a column to sort.
Banks & accounts that fit
| Bank | |||||
|---|---|---|---|---|---|
| Free ✓· 86%Wise — Pricinghttps://wise.com/pricingSource class: website · reliability 85%Last verified 10d ago | None ✓· 86%Wise — Pricinghttps://wise.com/pricingSource class: website · reliability 85%Last verified 10d ago | 3 days ~· 64%Bankz analyst desk (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying. | 87/100 · A | ||
| Free ~· 64%Loop — Multi-Currency for Canadian Businesshttps://www.bankonloop.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying. | None ~· 64%Loop — Multi-Currency for Canadian Businesshttps://www.bankonloop.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying. | 3 days ~· 58%Bankz analyst desk — Canada (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying. | 83/100 · A |
Rating = Bankz Trust Score™ · every value sourced · no pay-to-rank. Tap a column to sort.
Frequently asked
How do I cut FX costs?
Compare the effective spread, not “fee-free” claims. On $500k/yr, a 0.4% vs 2.5% spread is a $10,500 difference. Providers above are ranked on spread and coverage.
Informational only — not financial advice. Rates and terms vary by applicant and change frequently; verify with the provider.