Ace Money Transfer Ireland: Fees, rates and transfer time

Gabrielle Figueiredo

There are many reasons why you might need to send money internationally, including organising a holiday, sending funds to family, or starting a new life abroad. Whatever it is, you’ll need to find a secure way to send money that doesn’t cost an arm and a leg in poor exchange rates and fees.

ACE Money Transfer provides money transfer services in 106 countries¹, including Ireland. This article will explore the fees, processes and exchange rates that apply when you make a money transfer with ACE.

We’ll also let you know about Wise as an alternative provider to make international transfers.

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Before we get started, here’s a quick comparison of what it would cost to send €1000 from Ireland to a pound sterling bank account in the UK.

ProviderFeeExchange rateAmount received
ACE Money Transfer€10⁵ACE exchange rate = 0.8364£836
Wise€4.58The real exchange rate - the same one you find on Google = 0.84805£844

This comparison is based on exchange rates and prices offered at 10:27 GMT on the 30th March 2022 on the Ace Money Transfer website and the Wise website.

ACE Money Transfer international fees

ACE Money Transfer doesn't provide a general fee schedule on their website, but the fees appear to vary depending on:

  • Amount being sent
  • Countries involved
  • Currencies involved
  • Payout method

There are also differences in fees and exchange rates when you're doing your first transfer. You'll get a free fee and additional rate⁵.

Here’s the fee difference between sending €1000 from Ireland to local accounts in the UK, India and Pakistan using ACE. As you can see, there’s quite a difference in the cost of the transfer.

Fees for int. transfers of €1000 with ACE
Pakistan€0 (for transactions over €95)²
United Kingdom€10⁵

It’s possible for you to check the fees you’d encounter with ACE Money Transfer using their website⁶ . You just need to find the pricing calculator that's relevant to your transfer destination.

ACE Money Transfer exchange rate

ACE Money Transfer bases its exchange rates on several factors, including the current state of the foreign exchange market and the rates that its local subsidiaries can offer.³

When looking at the ACE Money Transfer rates, it’s always good to compare what they’re offering to other online sources, such as Google or other services like Wise currency converter.


Wise chooses to do things a little differently when it comes to exchange rates. With Wise you’ll always get the mid-market exchange rate, just like you see on Google. It’s based on data from Reuters who update their rate in real time when the foreign exchange market is open.

Read more: Monese Ireland

Wise as an easy and transparent alternative

Wise is a secure alternative for international transfers from Ireland, and you can send money to 160+ countries around the world. There are no hidden fees and as we mentioned earlier, your money is exchanged using the real mid-market exchange rate.

If you want to be able to hold, convert and send money abroad, then you should take a look at the Wise multi-currency account. This account has no monthly maintenance fees and allows you to hold and exchange more than 40 different currencies.

You’ll get access to local account details for 9+ of the world’s major currencies and can have a Wise debit card which works in over 150+ countries globally.

To see how Wise and ACE Money Transfer compare when it comes to your needs, try out the Wise pricing calculator for yourself.

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How to make an international transfer with ACE Money Transfer

Here’s what you’ll need to do to send money abroad with an ACE money transfer account.¹

  1. Login to your ACE Money Transfer account
  2. Choose the destination country
  3. Decide your payout method from the available options
  4. Select the payout partner you want to use
  5. Enter the amount of money you want to send
  6. Enter the recipient's information
  7. Choose your payout method from the available options (Debit Card/Credit Card/Online Bank Transfer)
  8. Confirm the details and add the reason for the payment
  9. Finalise the transfer by clicking ‘Pay Now’

How to receive money from Ace Money Transfer

ACE Money Transfer has a number of options for how your money can be received³:

  • Cash pick up
  • Bank deposits
  • Wallet
  • Mobile top-up
  • Bill payment

Keep in mind that the available methods vary between countries, so you’ll need to check which options you can access.³ For example, ACE Money Transfer can only send money to Ireland using a bank deposit⁴.

ACE Money international transfer time: how long does it take?

ACE Money Transfer provides estimated times for how long their transfers take to process.³

  • Cash Pickup: available instantly for orders made during banking hours or next day for orders created after banking hours, on weekends, or on public holidays.
  • Online bank transfer: generally take 1-2 business days to process.
  • Using debit or credit card: most transactions are completed in minutes

Ace Money Transfer limit

The amount of money people can transfer from Ireland depends on the receiving country. For example, for Pakistan, the maximum receiving amount is 500,000 PKR for a single transaction as Cash Pickup and 10 million PKR for single transaction as bank deposit.²

In some cases, you may be able to contact ACE customer service to help you complete a transfer for a larger amount of money than their customer portal will allow you to do. You’ll need to provide some additional documentation which varies depending on the source of the funds³:

  • Earnings - A recent salary slip and current bank statement
  • Savings - Current savings account bank statement
  • Loan - Your loan letter and current bank statement

ACE Money Transfer Ireland contact number

Here’s how you can get in touch with ACE Money Transfer in Ireland³:

  • Call +353 1 657 1588 if you’re in Ireland
  • Send an email to
  • Use the live chat function on their website⁶
Read more: CurrencyFair Ireland

Sources used:

  1. ACE Money Transfer - How it works
  2. ACE Money Transfer - Send money to Pakistan
  3. ACE Money Transfer - Frequently Asked Questions
  4. ACE Money Transfer - Send money to Ireland
  5. ACE Money Transfer - Send money to United Kingdom
  6. ACE Money Transfer - Website
  7. ACE Money Transfer - Send money to India

Sources last checked on date: 30 March 2022

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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