Profee Review Verdict
Profee is a card-to-card remittance specialist built for speed. Instead of the slow SWIFT network, it pushes money straight to a recipient's card or wallet, and over 90% of those transfers land within two minutes.
It is cheap for small sums, a roughly 0.5% margin plus a £1 fee, with a fee-free first transfer. The trade-offs are plain: no cash pickup at all, and a low limit until you verify who you are.
Best for
- Fast, small remittances to the CIS, Central Asia, Africa and Asia
- Paying straight to a recipient's debit card or mobile wallet
- New users wanting a fee-free, near-instant first transfer
Look elsewhere if
- Your recipient needs cash pickup (Profee is fully cashless)
- You are sending a large sum or need a business account
- You want to lock a rate for a future payment
How Much Does Profee Cost to Send Money?
Profee's exchange rate and margin
Profee does not use the pure mid-market rate. It adds a margin of about 0.5% to the interbank rate, occasionally up to 1% on less liquid routes.
That keeps the cost low and predictable on small transfers. On its busiest corridors, like GBP to India, it often runs promotional rates that get close to mid-market.
The fee is small too. A flat fee of around £1 applies on most routes, and it is waived entirely on your first transfer.
Profee transfer fees
Fees are low and shown before you send. The funding method is the main variable.
| Item | Cost |
|---|---|
| Standard transfer fee | About £1 (fee-free first transfer; £0 on some corridors) |
| UK/EEA card top-up | 1.75% + £0.30 |
| Non-EEA card top-up | 3.1% + £0.30 |
Profee-to-Profee transfers between users are always free. Funding by credit card may trigger a separate cash-advance charge from your own bank.
Sending £1,000 to India with Profee
A sourced quote dated 24 June 2026, on the fee-free India corridor. Rates move daily, so confirm in the app.
| Rate | Fee | Recipient gets | |
|---|---|---|---|
| Profee, GBP to INR (promo / fee-free) | 125.10 | £0 | ~₹125,100 |
On India, Profee's first-transfer rate is competitive and the money lands in minutes. After that a roughly 0.5% margin applies, so weigh it against Wise's mid-market rate on the amount received.
Costs to watch
- The first transfer is fee-free; later transfers add the ~0.5% margin
- A non-EEA card costs more to fund than a UK or EEA one
- Credit-card funding may trigger a cash-advance charge from your bank
Where Can You Send Money With Profee?
Countries and currencies supported
We confirmed Profee sends from the UK, the EEA and Switzerland to over 65 countries across 40-plus currencies. It is strongest in Eastern Europe, including Poland, the CIS, Central Asia, Africa and Latin America.
It does not cover every route, though. The Japanese yen, Turkish lira and high-risk jurisdictions are excluded.
Payout methods
- Card-to-card, its speciality, straight to a Visa, Mastercard or Maestro number
- Mobile wallet and UPI, including GCash, M-Pesa, PIX and India's UPI
- Bank deposit via SEPA and local rails in markets like India and Nigeria
- No cash pickup, anywhere; Profee is fully cashless
Transfer speed and limits
| Card-to-card / mobile wallet | Often within 2 minutes |
| Bank deposit | Slower, depending on the destination bank |
| Unverified limit | About £850 until you verify your identity |
| Verified limits | Up to ~£25,500/year, or ~£85,000 with source-of-funds checks |
Who Is Profee Best For?
Sending money to family overseas
Excellent on the right routes. If a relative in the CIS, Africa or the Philippines has a debit card or wallet, the money can arrive in two minutes, which is just what you want when they are waiting on it.
The catch is cash. There is none, so if your family collects in person from an agent, Profee is out.
Business and supplier payments
Not its market, and it does not pretend otherwise. Profee is a consumer remittance app with no business account, no batch payments and no integrations.
A company paying suppliers should use a dedicated business provider instead.
Large one-off transfers
The wrong tool. The unverified limit is around £850, and even a verified account caps well below a property-sized payment.
Profee also cannot lock a rate, so for a large transfer due later, a broker that fixes the rate will serve you far better.
When another provider fits better
- Your recipient needs to collect cash
- You are sending a large sum or running business payments
- You want to fix today's rate for a payment due later
Profee Pros and Cons
✓Pros
- Card-to-card and wallet payouts in minutes, bypassing SWIFT
- Low cost: about 0.5% margin and a small fee, fee-free first transfer
- Free Profee-to-Profee transfers between users
- Strong coverage of the CIS, Central Asia, Africa and Latin America
- FCA-authorised in its own right, with fees shown before you send
✕Cons
- No cash pickup at all, which rules out some recipients
- A low unverified limit, around £850, and modest verified caps
- No business account, forward contracts or multi-currency holding
- Non-EEA card funding carries a higher top-up fee
- Safeguarded, not FSCS-protected, so no £120,000 guarantee
Is Profee Safe?
How Profee protects your money
We checked Profee against the FCA Register. Its UK service is provided by Finthesis Ltd, authorised as a Payment Institution under FRN 924263, not merely an agent of another firm.
Your money is safeguarded in segregated accounts.
That is not FSCS protection, so there is no £120,000 guarantee. For small sums passing straight through to a recipient, which is how Profee is used, that is a reasonable trade.
Account security and fraud protection
Security is sound. Profee uses card-network protections and standard encryption on transfers. Like its peers, its compliance checks are strict, so a transfer can occasionally be held while it verifies an account.
Using Profee: Sign-Up, App and Support
Signing up and verification. You start in minutes with basic details, but the limit stays low until you upload ID and proof of address. Verify early if you plan to send more.
App and website. Profee is app-first and the app is well rated, with the recipient's card or wallet entered directly at checkout.
Customer support. Support runs by chat and email. The recurring frustration, as with most remittance apps, is slow help when a transfer is held for compliance.
Profee Customer Reviews and Reputation
We read the recent reviews, not just the headline number. They cluster around one strength and one gripe.
| Source | Score | Reviews | As of |
|---|---|---|---|
| Trustpilot | 4.5/5 (rating 4.3) | 8,528 | Jun 2026 |
| Apple App Store | 4.8/5 | 646 (UK) | 2026 |
What people praise: transfers arriving in minutes, the simple app, and fees shown clearly before sending.
What goes wrong: funds occasionally held for compliance checks, the common remittance friction.
How Does Profee Compare?
For fast card-to-card or wallet payments to the CIS, Africa and Asia, Profee is among the quickest and cheapest on small sums.
Against Wise, Wise uses the mid-market rate and suits larger bank transfers, while Profee wins on speed to a card and on small-value cost.
Against Remitly and WorldRemit, Profee matches them on speed but lacks their cash-pickup networks. We compared these routes ourselves across our money transfer comparison, and we refresh the live figures daily, so use our live comparison of today's rates and fees for the route you care about.
Final Verdict: Is Profee Worth It?
Profee is a sharp little tool for one job: getting small sums onto a card or wallet, fast.
For frequent, modest remittances to the CIS, Africa or Asia, it is quick, cheap and transparent, and the fee-free first transfer is a genuine saving. We rate it 4.3 out of 5.
Just know its limits: no cash pickup, a low cap until you verify, and nothing for large or business payments.
Profee FAQs
Very fast on its main methods. Over 90% of card-to-card and mobile-wallet payouts arrive within two minutes, because Profee pushes funds over the card networks rather than through the slower SWIFT banking system.
Usually a small one, around £1 per transfer, plus a roughly 0.5% exchange-rate margin. Your first transfer is fee-free, some corridors like India are fee-free, and Profee-to-Profee transfers are always free.
Profee's UK service, Finthesis Ltd, is FCA-authorised as a Payment Institution (FRN 924263) and safeguards your funds in separate accounts. That is not FSCS protection, so there is no £120,000 guarantee, but your money is kept apart from the firm's own.
No. Profee is fully cashless and does not offer cash pickup. It pays to a debit card, a mobile wallet, by UPI, or into a bank account. For cash pickup, use a different provider.
Very fast on its main methods. Over 90% of card-to-card and mobile-wallet payouts arrive within two minutes, because Profee pushes funds over the card networks rather than through the slower SWIFT banking system.
Usually a small one, around £1 per transfer, plus a roughly 0.5% exchange-rate margin. Your first transfer is fee-free, some corridors like India are fee-free, and Profee-to-Profee transfers are always free.
Profee's UK service, Finthesis Ltd, is FCA-authorised as a Payment Institution (FRN 924263) and safeguards your funds in separate accounts. That is not FSCS protection, so there is no £120,000 guarantee, but your money is kept apart from the firm's own.
No. Profee is fully cashless and does not offer cash pickup. It pays to a debit card, a mobile wallet, by UPI, or into a bank account. For cash pickup, use a different provider.
Verified 24 June 2026. Provider data cross-checked against the FCA Register, profee.com and Trustpilot via the Profee deep-research source set. Live transfer figures are illustrative and refreshed by the Currency Expert comparison engine.
Currency Expert compares money transfer providers and may earn a commission when you use our links. It does not change how we rank providers or what we say below. Rates and fees move daily, so the figures here are dated; confirm the live amount with Profee before you send.