# What do you use for international payments? **URL:** \ **Category:** General Chat\ **Created:** [April 29, 2023, 8:05am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242 "2023-04-29T08:05:25Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [April 29, 2023, 8:05am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/1 "2023-04-29T08:05:25Z")
Hey guys, How often do you send money abroad and what do you use? ---
**Author:** ![Vladanm999](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/vladanm999/32/2089_2.png) [@Vladanm999](https://community.emma-app.com/u/Vladanm999)\ **Post date:** [April 29, 2023, 8:22am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/2 "2023-04-29T08:22:20Z")
Chase card or cash ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [April 29, 2023, 9:22am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/3 "2023-04-29T09:22:51Z")
I meant international transfers? ---
**Author:** ![Vladanm999](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/vladanm999/32/2089_2.png) [@Vladanm999](https://community.emma-app.com/u/Vladanm999)\ **Post date:** [April 29, 2023, 9:31am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/4 "2023-04-29T09:31:34Z")
Tbh ive never had to, is cash in an envelope a thingšŸ˜‚ ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [April 29, 2023, 9:32am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/5 "2023-04-29T09:32:03Z")
Nope, if you need to send EUR to Europe in the next 10 minutes. šŸ˜… ---
**Author:** ![Peter](https://avatars.discourse-cdn.com/v4/letter/p/278dde/32.png) [@Peter](https://community.emma-app.com/u/Peter)\ **Post date:** [April 29, 2023, 2:49pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/6 "2023-04-29T14:49:15Z")
Wise or Starling, whichever is cheaper. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [April 29, 2023, 3:43pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/7 "2023-04-29T15:43:57Z")
I donā€™t need it very often, but when I do I use Wise. I donā€™t have a Revolut or Starling account so havenā€™t tried them for international payments. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [April 29, 2023, 4:14pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/8 "2023-04-29T16:14:52Z")
Itā€™s funny cause we can build them in Emma very easily. šŸ˜… Pro and ultimate customers would be way cheaper than Wise. ---
**Author:** ![jamesb](https://avatars.discourse-cdn.com/v4/letter/j/90ced4/32.png) [@jamesb](https://community.emma-app.com/u/jamesb)\ **Post date:** [April 30, 2023, 9:04am UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/9 "2023-04-30T09:04:14Z")
Wise for business, if sending single or double digit GBP thousands to USD. ---
**Author:** ![ainsley.bilton](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ainsley.bilton/32/2172_2.png) [@ainsley.bilton](https://community.emma-app.com/u/ainsley.bilton)\ **Post date:** [May 2, 2023, 3:49pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/10 "2023-05-02T15:49:31Z")
Iā€™ve used both starling and Wise and find that both work decently well and it just depends on the time frame of when I need to recieve the money and how much Iā€™m transferring šŸ˜… ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [May 2, 2023, 4:33pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/11 "2023-05-02T16:33:30Z")
Are you guys price-sensitive? I was looking at the Wise fees and for many routes, we could beat them. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [May 2, 2023, 8:19pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/12 "2023-05-02T20:19:30Z")
I donā€™t do international transfers frequently enough to be massively bothered about price. Certainly wouldnā€™t open a new account just to get rates which were slightly better than than Wise. But since I already have an Emma account open Iā€™d consider using it for international transfers if you started offering it. ---
**Author:** ![WD06](https://avatars.discourse-cdn.com/v4/letter/w/9e8a1a/32.png) [@WD06](https://community.emma-app.com/u/WD06)\ **Post date:** [May 3, 2023, 7:12pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/13 "2023-05-03T19:12:39Z")
Revolut for smaller amounts and my existing major bank for a significant transfer. ---
**Author:** ![sufyan98](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/sufyan98/32/1266_2.png) [@sufyan98](https://community.emma-app.com/u/sufyan98)\ **Post date:** [May 3, 2023, 7:32pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/14 "2023-05-03T19:32:29Z")
I use Wise, Instarem, and Worldremit. If Emma would be cheaper, Iā€™d definitely use it. ---
**Author:** ![Am3012](https://avatars.discourse-cdn.com/v4/letter/a/e0b2c6/32.png) [@Am3012](https://community.emma-app.com/u/Am3012)\ **Post date:** [May 4, 2023, 12:57pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/15 "2023-05-04T12:57:03Z")
If you could beat wise fees then thatā€™s amazing! Hope you can support most countries. I send money to my grandad in Pakistan sometimes and wise seems to be the cheapest option ---
**Author:** ![KezzaMcDezza](https://avatars.discourse-cdn.com/v4/letter/k/e79b87/32.png) [@KezzaMcDezza](https://community.emma-app.com/u/KezzaMcDezza)\ **Post date:** [May 4, 2023, 5:02pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/16 "2023-05-04T17:02:29Z")
I use Wise for RSU sales and those in my office are price sensative (switching platforms often). It is usually a toss up between Wise and Revolut premium. The percentage fees are the important bit here. It can justify the cost of a subscription for a whole year based on the quantities involved. What currency pairs are you considering? ---
**Author:** ![Sperro25](https://avatars.discourse-cdn.com/v4/letter/s/bcef8e/32.png) [@Sperro25](https://community.emma-app.com/u/Sperro25)\ **Post date:** [May 10, 2023, 9:00pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/17 "2023-05-10T21:00:30Z")
Wise and revolut. Used wise for many years for large amounts. Recently used revolut (metal) and was so much faster. Swift transfer usd to a usd account in South America. Arrived in less than 2 hours! Cost me 2.39 usd to send 8500 usd ---
**Author:** ![Sperro25](https://avatars.discourse-cdn.com/v4/letter/s/bcef8e/32.png) [@Sperro25](https://community.emma-app.com/u/Sperro25)\ **Post date:** [May 10, 2023, 10:38pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/18 "2023-05-10T22:38:21Z")
Omg just seen the prices in my starling account to transfer 8500 usd!! Ā£39.50! Revolut 2.39 usd! What a rip off ---
**Author:** ![ainsley.bilton](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ainsley.bilton/32/2172_2.png) [@ainsley.bilton](https://community.emma-app.com/u/ainsley.bilton)\ **Post date:** [May 11, 2023, 1:35pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/19 "2023-05-11T13:35:14Z")
Wow that is a great deal šŸ‘šŸ¼ ---
**Author:** ![oldak](https://avatars.discourse-cdn.com/v4/letter/o/41988e/32.png) [@oldak](https://community.emma-app.com/u/oldak)\ **Post date:** [May 17, 2023, 4:03pm UTC](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242/20 "2023-05-17T16:03:02Z")
I usually use Wise to transfer money to my Spanish bank account, or to receive USD from a US broker. My transfers are free, but the conversions have fees. I just opened a HSBC current account with a Global Money Account, which should be cheaper for converting and sending money (but canā€™t yet receive non-GBP without converting the amount to GBP, though support for receiving non-GBP is planned). Global Money Account is HSBCā€™s new(ish) product that aims to compete with Wise. I shop around and would definitely consider Emma if it were competitive. One plus with using Wise has been earning interest on the USD at money market rates (currently 4.55% after fees), though this is not FSCS protected. [Next page](https://community.emma-app.com/t/what-do-you-use-for-international-payments/6242.md?page=2)