Margin leaderboard
Who's charging the most hidden margin?
Every quoted rate compared against the mid-market rate. The gap is the margin — the cost you can't see on the provider's quote screen.
By provider — average margin across all corridors
Lower is better. Blue/negative = rate beat mid-market at time of collection.
- 1
Wise
10 corridors
+0.05%
avg margin
- 2
Ria
10 corridors
+0.37%
avg margin
- 3
Remitly
10 corridors
+0.51%
avg margin
- 4
WorldRemit
8 corridors
+0.72%
avg margin
- 5
MoneyGram
2 corridors
+3.02%
avg margin
Full matrix — margin by corridor and provider
Latest real snapshot per corridor. Green = low cost, red = high cost.
| Corridor | Wise | Ria | Remitly | WorldRemit | MoneyGram | Best | Date |
|---|---|---|---|---|---|---|---|
| 🇮🇳India | 0.00% | +0.09% | -0.42% | +0.05% | — | Remitly | 27 Sept |
| 🇳🇬Nigeria | 0.00% | +2.98% | +0.27% | +0.44% | — | Wise | 27 Sept |
| 🇵🇭Philippines | +0.08% | +0.04% | -0.35% | +0.02% | — | Remitly | 27 Sept |
| 🇵🇰Pakistan | +0.05% | +0.05% | +0.55% | +0.28% | — | Ria | 27 Sept |
| 🇰🇪Kenya | +0.04% | +0.02% | +1.77% | +2.97% | — | Ria | 27 Sept |
| 🇧🇩Bangladesh | +0.28% | +0.19% | +0.90% | +1.62% | — | Ria | 27 Sept |
| 🇬🇭Ghana | 0.00% | +0.17% | +0.65% | +0.10% | — | Wise | 27 Sept |
| 🇱🇰Sri Lanka | +0.02% | +0.04% | +0.35% | — | — | Wise | 27 Sept |
| 🇯🇲Jamaica | 0.00% | +0.03% | +0.88% | — | +4.48% | Wise | 27 Sept |
| 🇳🇵Nepal | 0.00% | +0.09% | +0.47% | +0.26% | +1.56% | Wise | 27 Sept |
Best for the recipient
Tightest margin to mid-market
Remitly
🇮🇳 UK → India · 27 Sept
-0.42%Remitly
🇵🇭 UK → Philippines · 27 Sept
-0.35%Wise
🇮🇳 UK → India · 27 Sept
0.00%Wise
🇳🇬 UK → Nigeria · 27 Sept
0.00%Wise
🇬🇭 UK → Ghana · 27 Sept
0.00%Wise
🇯🇲 UK → Jamaica · 27 Sept
0.00%Wise
🇳🇵 UK → Nepal · 27 Sept
0.00%WorldRemit
🇵🇭 UK → Philippines · 27 Sept
+0.02%
Worst for the recipient
Widest margin to mid-market
MoneyGram
🇯🇲 UK → Jamaica · 27 Sept
+4.48%Ria
🇳🇬 UK → Nigeria · 27 Sept
+2.98%WorldRemit
🇰🇪 UK → Kenya · 27 Sept
+2.97%Remitly
🇰🇪 UK → Kenya · 27 Sept
+1.77%WorldRemit
🇧🇩 UK → Bangladesh · 27 Sept
+1.62%MoneyGram
🇳🇵 UK → Nepal · 27 Sept
+1.56%Remitly
🇧🇩 UK → Bangladesh · 27 Sept
+0.90%Remitly
🇯🇲 UK → Jamaica · 27 Sept
+0.88%
Margin = how far a provider's rate sits below the mid-market rate (the real rate banks trade at), as a percentage. Latest real snapshot per corridor; Bank Estimate excluded. Positive = the provider charges above mid-market (normal). Negative/blue = the provider's rate briefly beat mid-market when we collected it.