Halifax charges £9.50 to send money abroad and adds 3.55% to the exchange rate. See the full cost, the free euro route, limits, timings and cheaper options.

Lloyds charges £9.50 to send money abroad and adds 3.55% to the exchange rate, the highest of any big UK bank. See the full cost, limits and cheaper options.

NatWest sends money abroad free on standard payments, but adds up to 2.75% to the rate. See the full cost, why urgent euros are a waste, limits and cheaper options.

Nationwide charges £15 to send money abroad plus 2.2% on the rate, but only 0.5% on money coming in. See the full cost, free accounts, limits and cheaper options.

Santander charges £25 plus a 1% to 3% conversion mark-up on international transfers. Full breakdown of fees, limits, timings and cheaper ways to send the same money.

Monzo adds no margin to the exchange rate, so £1,000 costs about £8 against £45 at Lloyds. The full fee structure, limits, timings and the 1% charge on money coming in.

Barclays charges £0 online to send money abroad and does not publish its exchange rate margin. Here is how to measure it yourself, plus limits, timings and cheaper options.

HSBC charges £5 online plus 2.2% on the exchange rate, so £1,000 costs about £27. See the full fee list, the free routes, limits, timings and cheaper alternatives.

We ranked the big five UK banks on what they really charge. HSBC is best at about £27 on £1,000 and Santander worst at about £55, and two app banks beat all five.