People sending money to India, Turkey, Brazil and elsewhere do it every month, and small cost differences compound across a year. Advertised fees are only half the picture, since exchange-rate margins and the payout method shift the total that actually lands — which is why the answer turns on the specific corridor rather than on any one provider.
There's no single cheapest option — it depends on the corridor, the amount, and how your recipient collects it, so the only reliable move is comparing the total landed amount, not the advertised fee. Bank wires often look free or cheap upfront but bury a 2-4% margin inside the exchange rate on top of a flat SWIFT charge (roughly €15-25), so a "no fee" transfer can end up the most expensive route. Wise prices off the real mid-market rate plus a transparent percentage, and tends to be strongest for larger transfers or corridors where its rate holds up well. Remitly and similar services sometimes undercut that with promotional zero-fee windows or better payout options — cash pickup or mobile wallet delivery — which can matter more than the exchange rate for corridors like India or parts of Africa and South America, especially on smaller amounts. Run the actual numbers for your specific route and amount before sending, since pricing shifts often and the cheapest service for someone's transfer to Turkey may not be cheapest for yours to Brazil.