The best time to transfer money across borders depends on several factors, including exchange rates, bank processing times, fees, and market conditions.  Here are some key considerations: 1. Best Time for Exchange Rates Midweek (Tuesday–Thursday) : Exchange rates tend to be more stable since major markets are open and active. Avoid Weekends and Holidays : Markets close on weekends, and exchange rates can be less favorable when banks reopen. Monitor Currency Trends : Use tools like Google Finance , XE.com , or your transfer provider’s rate alerts. 2. Bank Processing & Transfer Speed Avoid Weekends and Fridays : Transactions may be delayed due to bank closures. Check Cutoff Times : Many banks have a daily cutoff time (often around 3–5 PM local time). Consider Time Zones : Ensure both the sending and receiving banks are open. 3. Lower Fees Use Low-Fee Providers : Services like Wise (formerly TransferWise) , Revolut , Remitly , and OFX often offer better rates than ...