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Transferra

Transferra

Internationally operating businesses (including non-UK residents) that need a UK-regulated multi-currency IBAN account for cross-border SEPA, SWIFT, Faster Payments and ACH transfers.

VS

GoCardless

Recurring payments

GoCardless
Fees from
Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%. vs 1%–1.4% + £0.2
Features

0 shared

3 unique to GoCardless
Regions

0 shared

3 unique to GoCardless
Pay methods

4 shared

6 unique to Transferra · 3 unique to GoCardless
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
3 features · 13 payment methods · 3 regions. We don't rank these — they're here for reference.
Transferra Transferra
GoCardless GoCardless
Quick Facts
Fees
Standard transaction rate
Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%.
1%–1.4% + £0.2
Settlement
Time to receive funds
—
2–5 business days
Founded
—
2011
Headquarters
—
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
GoCardless leads (3 vs 0)
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Transferra leads (10 vs 7)
Ach
✓
✓
Bacs
✓
✓
Bank Transfer Unique
—
✓
Chaps Unique
✓
—
Corporate Card Unique
✓
—
Direct Debit Unique
—
✓
Faster Payments
✓
✓
Sepa
✓
✓
Sepa Direct Debit Unique
—
✓
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Virtual Account Unique
✓
—
Visa Unique
✓
—
Regions
GoCardless leads (3 vs 0)
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

Transferra is best when you...

Internationally operating businesses (including non-UK residents) that need a UK-regulated multi-currency IBAN account for cross-border SEPA, SWIFT, Faster Payments and ACH transfers.
View Transferra

GoCardless is best when you...

Recurring payments
Need Instant Payout
Not available with Transferra
Need Low Fees
Not available with Transferra
Want coverage in Europe, North America, Oceania
Transferra doesn't cover these regions
View GoCardless

Frequently Asked Questions

What is the difference between Transferra and GoCardless?
They share 4 payment methods and 0 regions. Transferra adds CHAPS, Corporate Card, SEPA Instant and 3 more that GoCardless does not list; GoCardless adds Bank Transfer, Direct Debit, SEPA Direct Debit that Transferra does not list; GoCardless also covers Europe, North America and 1 more; only GoCardless offers Instant Payout, Low Fees and 1 more.
Which is cheaper, Transferra or GoCardless?
Transferra has published rates from Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%.; GoCardless has published rates from 1%–1.4% + £0.2. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Transferra and GoCardless?
Transferra lists 0 regions and 10 payment methods; GoCardless lists 3 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Transferra and GoCardless compare on integration and settlement?
GoCardless offers a sandbox, Transferra does not list one; GoCardless supports webhooks; GoCardless publishes a settlement time of 2–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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