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
MoneyGram
3 corridors
-1.70%
avg margin
- 2
WorldRemit
8 corridors
+0.42%
avg margin
- 3
Wise
10 corridors
+0.43%
avg margin
- 4
Ria
10 corridors
+0.50%
avg margin
- 5
Remitly
10 corridors
+0.54%
avg margin
Full matrix — margin by corridor and provider
Latest real snapshot per corridor. Green = low cost, red = high cost.
| Corridor | MoneyGram | WorldRemit | Wise | Ria | Remitly | Best | Date |
|---|---|---|---|---|---|---|---|
| 🇮🇳India | — | +0.85% | +0.18% | +0.16% | -0.77% | Remitly | 13 Aug |
| 🇳🇬Nigeria | — | -1.13% | -2.48% | -0.09% | -1.68% | Wise | 13 Aug |
| 🇵🇭Philippines | — | -0.03% | +0.24% | +0.33% | -1.43% | Remitly | 13 Aug |
| 🇵🇰Pakistan | — | +0.01% | +0.11% | -0.08% | +0.42% | Ria | 13 Aug |
| 🇰🇪Kenya | -14.52% | +2.71% | +0.15% | +0.11% | +1.86% | MoneyGram | 13 Aug |
| 🇧🇩Bangladesh | — | +0.61% | +0.69% | +0.26% | +0.33% | Ria | 13 Aug |
| 🇬🇭Ghana | — | +0.07% | +4.63% | +4.15% | +3.75% | WorldRemit | 13 Aug |
| 🇱🇰Sri Lanka | — | — | +0.48% | +0.06% | +0.77% | Ria | 13 Aug |
| 🇯🇲Jamaica | +6.35% | — | +0.07% | -0.03% | +1.46% | Ria | 13 Aug |
| 🇳🇵Nepal | +3.06% | +0.31% | +0.23% | +0.16% | +0.72% | Ria | 13 Aug |
Best for the recipient
Tightest margin to mid-market
MoneyGram
🇰🇪 UK → Kenya · 13 Aug
-14.52%Wise
🇳🇬 UK → Nigeria · 13 Aug
-2.48%Remitly
🇳🇬 UK → Nigeria · 13 Aug
-1.68%Remitly
🇵🇭 UK → Philippines · 13 Aug
-1.43%WorldRemit
🇳🇬 UK → Nigeria · 13 Aug
-1.13%Remitly
🇮🇳 UK → India · 13 Aug
-0.77%Ria
🇳🇬 UK → Nigeria · 13 Aug
-0.09%Ria
🇵🇰 UK → Pakistan · 13 Aug
-0.08%
Worst for the recipient
Widest margin to mid-market
MoneyGram
🇯🇲 UK → Jamaica · 13 Aug
+6.35%Wise
🇬🇭 UK → Ghana · 13 Aug
+4.63%Ria
🇬🇭 UK → Ghana · 13 Aug
+4.15%Remitly
🇬🇭 UK → Ghana · 13 Aug
+3.75%MoneyGram
🇳🇵 UK → Nepal · 13 Aug
+3.06%WorldRemit
🇰🇪 UK → Kenya · 13 Aug
+2.71%Remitly
🇰🇪 UK → Kenya · 13 Aug
+1.86%Remitly
🇯🇲 UK → Jamaica · 13 Aug
+1.46%
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.