We surface what providers hide.

Why does Plyna exist?

Because the real cost of sending money abroad is usually hidden in the exchange rate, and we think you should see it before you pay. Money-transfer providers compete on slogans. “No fees.” “Best rate.” “Send instantly.” What they don't advertise is the margin baked into their quoted exchange rate — the gap between the mid-market rate and the rate you actually receive. That margin is where the real cost lives.

For most cross-border senders — UK families supporting relatives in India, Nigeria, Pakistan, the Philippines, Kenya, Bangladesh — a few percent on the exchange rate compounds into hundreds of pounds a year. We think people deserve to see that number clearly.

How does Plyna compare providers?

• ·Real quotes only. Every figure we publish is a snapshot of an actual quote from the provider's own quote calculator. We don't estimate, model, or scrape rates from third parties.
• ·£1,000 reference. Every snapshot uses £1,000 as the send amount, so providers are compared apples-to-apples. Fee structures and rate tiers shift at different amounts — we may add support for variable amounts as the product grows.
• ·Mid-market exposed. Every quoted rate is compared against the true mid-market rate (the rate banks use between themselves). The gap between them is the provider's margin — and we show it.
• ·Recipient-first ranking. Providers are ranked by what the recipient gets. Not by “lowest fee.” Not by “best rate.” By the actual amount in the recipient's account.

Is Plyna independent?

• Independence. Rankings are never influenced by commercial relationships. Plyna may earn a referral fee if you start a transfer through a link on this site — but the ranking order is determined solely by recipient amount. A provider cannot buy a better position.
• Transparency. Every snapshot is dated. Every figure can be traced back to a real provider quote on a real day. If we're wrong, you can check.
• Honesty over polish. If we don't have real data for a corridor, we say so. We'd rather show fewer providers honestly than more providers with made-up numbers.