Best three
Make it yours
These are our default weights. Move a slider and the line-up recalculates. Anything we couldn't measure gets the median of the others, or is left out for everyone, so missing data never helps or hurts a provider.
Three steps, nobody paid to be here.
We collect public prices
Recent quotes, World Bank surveys, regulator records and published fees, each with a date.
We score with an open formula
Cost counts most. Every weight is published, and you can change it.
You see the best three
Ranked on what actually arrives. Providers can't pay to move up.
Every provider, every number
Swipe the table sideways for every score
| # | Provider | Total cost | They receive | Cost | Trust | Speed | Ratings | Equami score |
|---|
The best three for $500, by destination
The same formula as the calculator above. Use the calculator for your own amount.
Swipe the table sideways for second and third
| Destination | Best | Second | Third |
|---|---|---|---|
| Mexico | Wise$9.59 cost, 1.92% | WorldRemit$13.39 cost, 2.68% | Wells Fargo$14.60 cost, 2.92% |
| India | Western Union$2.75 cost, 0.55% | WorldRemit$4.69 cost, 0.94% | Remitly$4.79 cost, 0.96% |
| Philippines | Remitly$5.55 cost, 1.11% | Wise$9.43 cost, 1.89% | Wells Fargo$15.60 cost, 3.12% |
| Guatemala | Western Union$8.09 cost, 1.62% | Xoom$9.09 cost, 1.82% | Remitly$16.84 cost, 3.37% |
| Dominican Republic | Western Union$14.74 cost, 2.95% | Xoom$24.50 cost, 4.90% | Wise$32.59 cost, 6.52% |
| Nigeria | Western Union$5.90 cost, 1.18% | Wise$9.64 cost, 1.93% | Xoom$12.15 cost, 2.43% |
| China | Remitly$5.14 cost, 1.03% | Western Union$13.39 cost, 2.68% | Wise$13.71 cost, 2.74% |
| United Kingdom | Remitly$0.75 cost, 0.15% | Revolut$0.75 cost, 0.15% | Wise$8.65 cost, 1.73% |
| Eurozone | Remitly$1.00 cost, 0.20% | Revolut$0.75 cost, 0.15% | Western Union$5.34 cost, 1.07% |
| Canada | Remitly$0.65 cost, 0.13% | Wise$8.76 cost, 1.75% | Western Union$9.44 cost, 1.89% |
Ranked by the Equami score with default weights, so the cheapest provider isn't always first. Prices are from the recent snapshot, collected by Wise through Nov 5, 2026. First-transfer promotions aren't ranked when we can spot them.
How a provider earns its place
We rank on what the person receiving your money actually gets, then on whether the company has a clean regulatory record. Nothing else goes in. The code that runs on this page is the code we test, and it has no input for money from providers.
Licensed or excluded
A company needs a US money-transmitter license or a bank charter we can find, however cheap it is. A license claim with no license number costs 10 trust points, and the card says so.
No reward for teaser rates
A rate more than 0.5% better than mid-market is a promotion, not a price, so it isn't ranked. Smaller gaps are timing noise and count as a 0% markup, never as a bonus.
One source per ranking
We never compare one provider's World Bank price with another's snapshot price. Pick a source and every provider is measured the same way.
No guessing far from the data
Fees and markups are interpolated between the amounts each provider was measured at. We rank up to twice the largest measured amount, and no further.
Withdrawn cases don't count
Dismissed or withdrawn lawsuits and superseded orders appear on a provider's record but don't lower its score.
Small samples barely count
Every rating is pulled toward 3.5 stars as if it had 5,000 extra average reviews. A few hundred angry reviews can't sink a provider, and a few hundred glowing ones can't lift it.
Missing data is neutral
If a factor wasn't measured for a provider, it gets the median of the others. If most providers weren't measured on it, the factor is left out for everyone.
Ties go to the cheaper option
Scores that round to the same half point count as a tie, and the cheaper option ranks higher. There's no randomness and no rotation.
Plain links only
Every "Visit" button goes to the provider's homepage with no referral code or tracking. We don't know whether you click, and we don't get paid if you sign up.
The formula, in full
Four factors, each scored 0 to 100, then combined with the weights below. Change the weights in the line-up and the same formula runs with yours.
Blind spots
This is what we don't know yet. We'd rather tell you than hide it.
- CFPB complaint counts are missing. The government database blocked automated access when we collected data. Complaints aren't scored until we load the CFPB's bulk download.
- No usable prices yet for Xe, Sendwave, Taptap Send or Paysend. They're unranked because of missing data, not because of their prices.
- Panda Remit isn't ranked. We found no US license number or registered US entity.
- The World Bank doesn't survey the UK, eurozone or Canada. Those routes are ranked only on the snapshot, which Wise collected.
- World Bank prices stop at $500, so that source ranks transfers up to $1,000. For larger amounts, use the snapshot.
- The snapshot is missing details. It doesn't record speed for most providers, so speed is left out of snapshot rankings. It doesn't record payment or payout methods either, so those providers stay in filtered results, marked "method not recorded".
- The World Bank survey is old. Its latest prices are from Q3 2025, and a spot check on Nov 6, 2026 found Mexico prices at Ria had moved. So we rank on the recent snapshot by default, and the survey is there to compare against.
- Xoom and Remitly advertise first-transfer rates. Xoom's public Mexico page showed only its first-time rate, so we can't confirm its regular price there, and it isn't ranked on that route.
- "They receive" is an estimate. It uses a mid-market rate we update once a day, which can drift about 1% from the rate at the moment you send.
- Some promotions may slip through. A promotional rate just above mid-market looks like a normal price in the data.
- Citibank and Wells Fargo weren't reviewed for trust. They get the median trust score, marked "not reviewed". Chase's ratings are for its whole banking app.
Straight answers
The short versions, using today's numbers.
What is the best way to send money to Mexico from the US?
For $500, Equami currently ranks Wise first, at about $9.59 in fees and exchange-rate markup. WorldRemit and Wells Fargo come next. Confirm the final amount on the provider's own quote screen, because prices change.
What is the best way to send money to India from the US?
For $500, Equami currently ranks Western Union first, at about $2.75 in fees and exchange-rate markup. WorldRemit and Remitly come next. Confirm the final amount on the provider's own quote screen, because prices change.
What is the best way to send money to Philippines from the US?
For $500, Equami currently ranks Remitly first, at about $5.55 in fees and exchange-rate markup. Wise and Wells Fargo come next. Confirm the final amount on the provider's own quote screen, because prices change.
Do the companies on Equami pay to be ranked?
No. Equami has no ads, affiliate links, commissions or paid placement. Every link goes to the provider's own site with no referral code, so we earn nothing if you sign up.
Where do the prices come from?
Rankings use a recent snapshot from Wise's public comparison API by default, plus Revolut's published fees. Wise is one of the companies ranked, so you can switch to the World Bank's neutral survey, though its latest prices are from Q3 2025.
Why isn't the cheapest provider always first?
Cost counts most, but the score also weighs regulatory record, delivery speed and customer ratings. The formula and weights are published on this page, and you can change them in the calculator.
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