Aukey

I sent a payment to my brother in Dublin through the app last month. The rate was better than what I was getting elsewhere and the fee was tiny. It landed in his account within the hour, which was quicker than I expected.

Good value if you send money regularly and want to keep costs down. The fee is lower than the banks I looked at and the rate is decent. Account setup needed a selfie and a second ID upload, which took a bit of fiddling. Once that was done, transfers have gone through without trouble. Delivery times are roughly what they say, give or take a day.

Transfer arrived fine but the fee was more than I expected once I added it up. Ended up paying more than I would have on another app. Sign up was quick though.

I was sharing a flat in Leeds with two others and we kept losing track of who had paid for what. Set up the account on a Sunday and the first payment cleared before the Tuesday. Fees are shown before you confirm, which is what I wanted.

I sent a transfer to a supplier in Germany using the app and the estimate said same day. It actually sat as pending until the next morning, and nobody flagged the delay until I checked the tracker myself. The money got there in the end, but I would have liked a heads up.

Money reached the account in about two hours, which is faster than the bank I used before. The exchange rate is shown up front so there were no surprises at the end. The fee is small for what it is. Registration took a bit of ID checking but that's normal these days.

I switched over from a well known money transfer firm a few years ago and the difference in what I pay is noticeable. The sign up was simple enough and the first transfer went through quickly. Now and then the app asks me to reconfirm a recipient, which is a bit of a faff but it does stop mistakes. Customer chat has been helpful when I have needed it, though I have waited a while for a reply twice.

Compared with my old bank, sending money abroad through them has been a lot cheaper, and I was honestly surprised by how little came off the top. I used it to send a payment to my sister in Canberra and the rate shown on screen was the rate she received, which I had not expected. The app was easy enough to follow even for someone like me who is not very quick with phones. I would certainly use them again.

We needed a way to pay a supplier in Poland without the bank charging us a fortune on every invoice. Setting up the business account took a few days because they wanted company paperwork, but it was clear what they needed. Payments have been arriving in around a day since, and the cost per invoice is easy to predict. The one thing I would change is the reporting, which is basic.