The fee is the visible cost; the exchange rate is the hidden one. Always compare how much arrives, not how much you are charged.
The comparison
| Service | Exchange rate | Fee | Speed | Best for |
|---|---|---|---|---|
| Wise Transparent | mid-market rate | low, shown upfront | hours to a day | Regular transfers to a bank account in most countries |
| Revolut | near mid-market on weekdays within limits | low or free within plan limits | fast | People who already use the app as their card |
| Remitly / WorldRemit | marked up | low, promotions for first transfers | minutes to cash pickup | Cash pickup and mobile wallets in Nepal, Philippines, Africa |
| Western Union / MoneyGram | marked up | higher | minutes | Cash pickup where nothing else reaches |
| Your Finnish bank (SWIFT) | marked up | high fixed fee | days | Large amounts where a bank record matters |
Prices checked 19 September 2026. Compare the total cost: fee plus the difference between the exchange rate offered and the mid-market rate. For most corridors from Finland, specialised services beat the banks by a wide margin.
How to choose
- To a bank account: a mid-market-rate service. Set up the recipient once; later transfers take a minute.
- To cash pickup or a mobile wallet: the remittance specialists, which have agents in every town in Nepal, the Philippines and across Africa.
- Large or one-off amounts with paperwork: your Finnish bank, and accept the fee.
Your Finnish salary arrives to your Finnish account; from there, the app does the rest. Opening that account is covered in money and banking.