The Plyna Cost Index
The cost of choosing the wrong provider
A single benchmark, built from our own daily data, for how much a UK sender loses by picking the wrong money-transfer provider — the gap between the best and worst deal, averaged across every consumer corridor we track. The wider it is, the more comparing pays off.
Current index — best vs worst provider
1.95%
across 10 corridors · as of 30 September 2026
On a £1,000 transfer, that's about £19.54 lost by choosing the worst provider instead of the best — before anyone even mentions a fee. On the widest corridor today it's £44.15 (UK → Jamaica).
Index over time
The average best-to-worst gap across corridors, by day.
Where comparing matters most
Best-to-worst gap on the latest real snapshot — widest first.
- 🇯🇲UK → Jamaicawidest gap4.41% · £44.15
- 🇵🇭UK → Philippines3.41% · £34.10
- 🇳🇬UK → Nigeria3.11% · £31.11
- 🇰🇪UK → Kenya2.65% · £26.45
- 🇮🇳UK → India1.90% · £18.97
- 🇳🇵UK → Nepal1.68% · £16.77
- 🇧🇩UK → Bangladesh0.95% · £9.47
- 🇬🇭UK → Ghana0.65% · £6.48
- 🇱🇰UK → Sri Lanka0.45% · £4.48
- 🇵🇰UK → Pakistan0.34% · £3.43
How the index is calculated
- — For every provider we work out the effective rate — fee and FX margin combined — and how far it lands from the real mid-market rate.
- — Within each corridor's latest daily snapshot we take the gap between the best and worst provider, then average that gap across all corridors. Comparing best-to-worst inside one snapshot removes the timing noise a raw rate figure would carry. Bank Estimate is excluded.
- — The index covers UK consumer money-transfer corridors only. Every figure traces back to a dated, real quote — never modelled or estimated.