Real exchange rate · 74 countries
It lands in nine minutes at the real exchange rate, for one £4.15 fee you see before you pay. Try changing any underlined word.
You send
GBP£1,000.00
Amara Okafor
GTBank · •• 4417
Strait now
₦2,018,658 from Tomi has arrived
Good afternoon
Amara
Available balance
₦865,836
NGN · GTBank
Recent
Pays out instantly over
Send to a bank account, a mobile wallet or a cash pickup point in 74 countries, at the real exchange rate. These are the tools regular senders asked us for.
GBP → INR · 30 days
115.17
Your anchor
114.28
Reached on 6 of the last 30 days. Drag to set yours.
Pick a target. When the market reaches it, we send automatically, even at 3 a.m. If it never does, nothing moves and nothing is charged.
Split one payment between up to 20 people. One rate, one fee, and a separate text to each of them.
0.00%
You get the rate you see on Google. Our fee is one number, shown first.
See the mathsKeep balances, convert when the rate suits you, and pay from whichever one you like.
₦1,004,240 from Tomi is on its way. It reaches your account at about 16:11.
strait.to/t/k7Q2
Paid out via NIP · GTBank
Recipients get a text with the exact amount and a live tracking link. They don't need an app or an account.
Instant payment rails never close, so neither do we. Weekends and bank holidays included.
How it works
01Type an amount
See the rate, the fee and exactly what arrives before you commit. There's no small print.
02Pay from your bank
Use a bank transfer, Apple Pay or a debit card. We lock the rate as soon as your money lands.
03They get it in minutes
We pay out from a local account over the country's instant rail. Your money never has to cross a border.
To Amara Okafor
London → Lagos · #48213
You sent
£1,000.00
Amara got
₦2,018,658
Payment received16:02:11
£1,000.00 from Monzo •• 2231
Rate locked16:02:14
2,027.07 NGN, mid-market · fee £4.15
Paid out in Nigeria16:02:51
Over NIP, from our local account
Credited to Amara16:11:02
GTBank •• 4417 · text sent
Total time8 min 51 s
Markup X-ray
Most providers hide their cut in the exchange rate. We sent the same money to Lagos five different ways and measured what each one kept.
If you send
Mid-market rate 1 GBP = 2,027.07 NGN
Arrives Kept by provider
Strait
Fee shown up front
Kept−£4.15
Amara gets₦2,018,658
Typical app
Small fee, thin markup
Kept−£10.97
Amara gets₦2,004,829
Card abroad
Foreign card fee
Kept−£30.41
Amara gets₦1,965,431
“Free” bank wire
No fee, wide spread
Kept−£36.00
Amara gets₦1,954,095
Airport bureau
Commission free
Kept−£110.00
Amara gets₦1,804,092
Compared with a “free” bank wire, sending £1,000 with Strait puts this much more in Amara’s account:
₦0
Bars start at 86% of the mid-market value so the differences are visible. Typical published spreads, Oct 2026. Illustrative only.
Live rates
Today's rate, the whole fee and the typical delivery time for twelve of our 74 corridors.
Sending £1,000 · fees in GBP
Updated just now
| Destination | Pays out via | Rate | 7 days | Fee | They get | Arrives in |
|---|---|---|---|---|---|---|
| LagosSend →Nigeria | NIP | 2,027.07 NGN | +0.07% | £4.15 | ₦2,018,658 | 9 min |
| DhakaSend →Bangladesh | bKash | 162.70 BDT | +0.17% | £4.15 | ৳162,026 | 11 min |
| ManilaSend →Philippines | InstaPay | 76.67 PHP | +0.49% | £4.15 | ₱76,349 | 4 min |
| MumbaiSend →India | UPI | 113.19 INR | +0.81% | £4.15 | ₹112,725 | 2 min |
| Mexico CitySend →Mexico | SPEI | 25.02 MXN | −0.39% | £4.15 | MX$24,917 | 6 min |
| NairobiSend →Kenya | M-Pesa | 172.87 KES | −0.73% | £4.15 | KSh172,152 | 3 min |
| AccraSend →Ghana | GhIPSS | 20.87 GHS | −0.79% | £4.15 | GH₵20,786 | 7 min |
| KarachiSend →Pakistan | Raast | 375.98 PKR | +0.89% | £4.15 | ₨374,418 | 14 min |
| HanoiSend →Vietnam | NAPAS 247 | 33,985.20 VND | +0.95% | £4.15 | ₫33,844,161 | 8 min |
| BogotáSend →Colombia | Bre-B | 5,512.56 COP | +0.30% | £4.15 | COL$5,489,683 | 12 min |
| KathmanduSend →Nepal | ConnectIPS | 181.17 NPR | −0.18% | £4.15 | रु180,413 | 18 min |
| CairoSend →Egypt | IPN | 65.43 EGP | −0.42% | £4.15 | E£65,157 | 20 min |
Delivery time is the median for the last 30 days. Large first transfers can take longer while we check them.
All 74 countriesSecurity
Live screening · 03:00–03:20
6 checked · 1 held
Reviews
4.8
Average from 61,240 reviews in the last 12 months
“It landed before Ammu had finished her tea. She rang to ask if I'd sent too much by mistake. I hadn't. That's just the real rate.”৳20,000 · 6 min
“School fees paid at 9:04, and the school confirmed at 9:10. No queue at the remittance counter, and no guessing what gets taken off.”₱38,200 · 3 min
“My sister gets a text with the exact naira before it arrives, and it's always right. That alone was worth switching for.”₦1,004,240 · 9 min
First £500 free
Opening an account takes about four minutes with a photo ID. Your first £500 goes with no fee at all.
No card needed. Available in 41 countries you can send from.
It's the midpoint between the rates banks buy and sell a currency at, and it's the rate you see on Google. We use it as it is and charge one fee on top, which you see before you pay.
We already hold money in every country we send to. When you pay us, we pay out from that local account over the country's own instant rail, so your money doesn't have to cross a border.
No. They receive it in their bank account or mobile wallet as usual, and get a text with the amount and a link to track it.
The money comes back to your Strait balance automatically, fee included, usually within the hour. A person, not a bot, writes to tell you why.
Still curious? Chat with a person. Median reply: 2 minutes, any hour.