How do I compare money transfer providers fairly?

To compare providers fairly, use the same send amount, take quotes at the same moment and compare the amount the recipient would actually receive. That figure captures the rate, the fee and any disclosed charges together. Then weigh delivery time, limits, support and whether the firm appears on the Financial Conduct Authority register with details matching its website. Note the mid-market rate at the time so you can see each provider's margin. Keep a record of each quote, because rates move and an old quote is not a fair comparison.¹