TransferGo Fee Calculator

Estimate the fee plus any exchange-rate markup on a TransferGo transfer from the UK or Europe, from our last measurements of its quotes (July 2026). Confirm the live price with TransferGo before you send.

Calculate Transfer Fees

Estimate your TransferGo transfer cost from its quotes as we last measured them (July 2026)

You Send

From Country

Amount to Send

£GBP

Recipient Gets

To Country

Enter an amount to see the estimate

TransferGo Fee Structure

Rate markup: 0.4%Estimate · verified 2026-07-26

* Estimated typical cost: the live mid-market rate minus this provider's typical exchange-rate markup, plus its typical fee. Real cost varies by corridor, amount, delivery and payment method, and promotions. Check the provider for a live quote.

Also worth checking: Wise

Wise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.

See Wise’s rate

Sending from the US? TransferGo can't help you: there's no United States send option, so you can't fund a transfer from a US bank account. (It does support the US dollar, but only from a USD account held in Europe, not from a US bank.) If you're in America, compare Wise, Remitly, Xoom and others here. If you're in the UK, Germany, Poland, Spain or elsewhere in Europe, you're in the right place.

TransferGo started the way a lot of good money apps do: its founders got burned. Back in 2012, running an import-export business out of London, they watched their bank swallow chunky fees and take three to five days just to move money across a border. So they built something better, a service aimed squarely at the millions of people in the UK and Europe sending money home to family. More than a decade on, over nine million people in 160-plus countries use it.

Here's the part that matters for your wallet. TransferGo charges in two ways, and the mix depends on the route. On some it takes a small upfront fee plus a thin margin in the exchange rate: when we last measured its quotes (July 2026), sending €1,000 to India cost a €0.49 fee plus about 0.55% in the rate. On others there's no fee at all and the whole cost sits in the rate: 0.40% to 0.54% from the UK or the eurozone to Poland. Either way that was a long way below the 3–5% a high-street bank typically builds into its rate.

The catch is speed-versus-cost, and geography. TransferGo is fast (its "Now" option can land in 30 minutes), but it only sends from the UK and Europe. Use the calculator above to estimate the fee, the exchange-rate markup and what your recipient receives for your amount and route, then confirm the live quote with TransferGo.

How TransferGo's Fees Actually Work

There are only two ways a transfer service can charge you: a fee you can see, or a markup hidden in the exchange rate. TransferGo uses a mix of both depending on the route, and on most routes it was small on either side. Here's what we measured from TransferGo's quotes on €/£1,000 transfers when we last collected them (July 2026):

Route	Fee	Rate markup
EUR → India	€0.49	~0.55%
EUR → Poland	Free	~0.54%
EUR → Ukraine	Free	~1.27%
GBP → Poland	Free	~0.40%

The takeaway: when we last measured them, TransferGo's mainstream European and Asian routes were cheap, often under 1% all-in. The markup climbed on thinner, more volatile currencies (the Ukrainian hryvnia, the Turkish lira, the Vietnamese dong, the Thai baht), which is normal for every provider. The one number that lets you compare fairly is total cost as a percentage of what you send, and that's what the calculator estimates.

Delivery Speeds (and What They Cost)

TransferGo lets you trade a little money for a lot of speed. Faster tiers add a slightly higher fixed fee; the standard option most people use is the cheapest.

Now

Arrives in as little as 30 minutes. TransferGo bills itself as the only pan-European service that guarantees 30-minute delivery. Highest fee.

Today

Lands the same business day if you send before the cut-off. A middle-ground fee.

Standard

Arrives by the next business day. The cheapest option: often free or under €1, and what the calculator prices.

Where You Can Send From and To

You send FROM (Europe & the UK)

Euros (Germany, Spain, France, Ireland, the Baltics and more)
British pounds from the UK
Polish złoty, plus other European currencies
No US send option: you can't send from a US bank account (USD is supported only from Europe, not the US)

Your recipient gets money in (160+ countries)

Eastern Europe: Poland, Ukraine, Romania, the Baltics
Asia: India, the Philippines, Vietnam, Thailand and more
Africa: Nigeria and other major remittance markets
Paid out to bank accounts, and mobile wallets in some countries

Is TransferGo Legit?

Short answer: yes. TransferGo is an authorized electronic money institution regulated by the UK's Financial Conduct Authority (FCA), and in the EU it's authorized by the Bank of Lithuania. It has been operating since 2012, is headquartered in London with offices across Europe, and moves money for more than nine million people. Your money is safeguarded under e-money rules, so it isn't lent out or invested like a bank deposit.

That said, "regulated and safe" and "cheapest for your route" are two different questions. TransferGo is reputable; whether it's the best price for your specific transfer is something to check against its live quote, with the numbers above as our last measurement.

Using This Calculator

Enter the amount you want to send.
Pick the country you're sending from and the country it's going to.
Read the fee, the exchange-rate markup, and the total cost as a percentage.
Check what your recipient actually receives. That is the only figure that really matters.

What the numbers mean

Fee: the flat charge you can see up front.
Markup: how far TransferGo's rate sits below the real mid-market rate.
Total cost %: fee + markup combined. Use this to compare providers.

Figures are estimates: TransferGo's fee and markup as we last measured them (July 2026), applied to today's mid-market rate. TransferGo doesn't permit automated price checks, so we can't refresh them like the other providers here, and its prices may have moved since. Always confirm the final amount in the TransferGo app before you send. Compare TransferGo against every other service →

TransferGo Fees: FAQ

How much does TransferGo charge to send money?

It depends on the route. When we last measured TransferGo's quotes (July 2026), some routes had a small fixed fee plus a thin margin in the exchange rate (sending €1,000 to India cost a €0.49 fee plus about 0.55% in the rate), and others had no fee, with the whole cost in the rate: 0.40% to 0.54% from the UK or the eurozone to Poland. Softer currencies carried more: 1.27% to 2.00% to the Ukrainian hryvnia. The calculator above estimates your route from those measurements; TransferGo's own app shows the live price.

Does TransferGo use the real exchange rate?

Not quite, on the routes we measured. In July 2026 TransferGo's rate sat a little below the mid-market rate on almost every route: a median of about 0.64% across the 18 routes we sampled, from 0.19% (GBP to INR) to 3.92% (EUR to TRY). That is still well below the 3–5% a bank typically builds into its rate.

Can I use TransferGo from the United States?

No, not from within the US. TransferGo has no United States send option, so you cannot fund a transfer from a US bank account. It does support the US dollar as a send currency, but only from a USD-denominated account held in a European country, not from the US itself. TransferGo sends from the UK, Germany, Poland, Spain, France, the Baltics and other European countries. If you are sending from the US, look at Wise, Remitly or Xoom instead; you can compare them on our money transfer page.

How fast are TransferGo transfers?

TransferGo offers a few speeds. Its “Now” option can deliver within 30 minutes, and it markets itself as the only pan-European provider that guarantees 30-minute delivery. “Today” lands the same business day, and the “Standard” option arrives by the next business day. Faster options usually carry a slightly higher fixed fee, and the calculator prices the standard delivery most people use.

Is TransferGo safe and regulated?

Yes. TransferGo is an authorized electronic money institution regulated by the Financial Conduct Authority (FCA) in the UK, and it operates in the EU as an e-money institution authorized by the Bank of Lithuania. It was founded in 2012 and is used by more than nine million people across 160+ countries. Customer funds are safeguarded in line with e-money rules.

Which countries can I send money to with TransferGo?

Over 160 countries. Its strongest routes are the classic European migrant corridors (the UK and Germany to Poland, Ukraine, Romania and the Baltics), plus Asia and Africa (India, the Philippines, Nigeria and more). It pays out to bank accounts and, in some countries, to mobile wallets.

Is TransferGo cheaper than Wise?

It depends on the route and the amount, and this site cannot settle it for you. Wise's figures here are its own current quotes; TransferGo's are our last measurements (July 2026), because TransferGo does not permit automated price checks. So our comparison shows TransferGo marked "No current quote" and never ranks it above a provider with a current quote. Check both providers' live prices for your exact transfer before you choose.

Last Updated: Pricing collected July 26, 2026. Figures on this page are our last measurements of TransferGo's quotes, not current quotes from the provider. Cost varies by corridor, amount, delivery and payment method, so confirm the live quote with TransferGo before you send.