International Money Transfer Record

Who this is for

What each transfer abroad really cost. Each transfer has the amount sent, the fee, the rate and what arrived, with the all-in rate after fees; further tables track references and arrival, and compare quotes on the same day.

People who send money to family abroad, pay bills or fees in another country, or move savings between currencies, and want a record of costs and receipts they can compare and trace.

What this helps you track

• Each transfer with the provider, recipient, fee and rate quoted
• What you paid in total and what actually arrived
• The all-in rate after fees, to compare providers fairly
• References, promised dates and when the money arrived
• Two providers' quotes for the same amount on the same day

How to use it

1. Write your name, the year and the two currencies at the top.
2. For each transfer, copy the amount sent, the fee, the rate and the amount to be received from the provider's quote or receipt.
3. On page two, log the reference and the date the money was promised, then the date it arrived and whether the recipient confirmed it.
4. Before a large transfer, get quotes from two providers on the same day for the same amount and enter them in the last table.
5. Totals, the all-in rate and the summary are worked out in the browser and the workbook; on paper, add the fee and divide what arrived by the total paid.

Formats

• Printable PDF (A4 and US Letter)
• Fillable PDF with form fields
• Fill in online, saved in your browser
• Excel / Google Sheets workbook

The printable is laid out inside a box that fits both A4 and US Letter, so the two files are identical and neither one is scaled. The fillable PDF has real form fields. The workbook uses plain formulas only — SUM, IF, COUNTIF and the like — so it opens in Excel, LibreOffice and Google Sheets without anything breaking, and every calculated cell is grey so you can see which figures it worked out.

How to print

Download the A4 or US Letter file to match the paper in your printer, open it in a PDF reader and print at 100% — not "fit to page", which shrinks the writing space. Both files leave a 14 mm margin, which clears the unprintable edge on home printers. To print the online version with your entries in it, use the Print this sheet button, which prints only the sheet and none of the page around it. More on printing.

Questions

What is the all-in rate?

What arrived divided by everything you paid, fee included. It is the rate you actually got. Comparing it with the rate quoted shows what the fee cost you, and comparing it across providers shows which was cheaper.

Where do I find the figures?

On the provider's quote or receipt, before and after sending: the amount, the fees, the exchange rate and the amount the recipient gets. Copy them as shown, in the currencies shown.

Can I total the year by recipient?

In the workbook, sort or filter the transfers by recipient and select the amounts to see their total. On paper, a separate sheet for each recipient keeps their figures together.

What if the money does not arrive?

Contact the provider with the reference and the date promised, and note what they say in the problem column. The receipt usually explains how to report an error; keep it with this record.