About SendMoneySmart
A comparison engine for international money transfers. Built for immigrants, expats, and anyone sending money home.
What is SendMoneySmart?
SendMoneySmart is a free comparison tool that shows you the cheapest, fastest, and best options for sending money from Canada or the USA to countries around the world.
We compare providers including Wise, Remitly, Western Union, Xoom, and OFX — showing their true total cost, including both transfer fees and the exchange rate margin they apply. Most people only look at the transfer fee. We show you the full picture.
We do not handle any money. We are a comparison and information service only. When you click through to a provider, you transact directly with them.
How Our Comparison Works
We calculate total cost = transfer fee + FX margin loss. Most comparisons only show fees. We show what the recipient actually receives.
We only list providers that are regulated financial institutions in their operating jurisdictions. No unregulated services.
Who Operates SendMoneySmart?
SendMoneySmart is owned and operated by Albor Digital LLC, a Wyoming-registered company in the United States.
We are not a bank, money transmitter, or financial advisor. We are a comparison and information service. Rates displayed are estimates for comparison purposes — always verify directly with your provider before sending.
Affiliate Disclosure
SendMoneySmart earns affiliate commissions when you click on a provider link and complete a money transfer. This is how we fund the service.
Our affiliate relationships do not influence our rankings or comparisons. Providers are ranked by lowest total cost (fee + FX margin) for the entered amount. We do not accept payment for placement or to alter rankings.
All outbound provider links are marked with rel="nofollow sponsored".
Exchange rates shown are approximations based on mid-market rates at the time of our last data review. Actual rates may differ. SendMoneySmart accepts no liability for decisions made based on the information presented.