We read every creative that 19 money transfer brands ran on Meta in Europe and the UK from 21 September to 20 October 2026, more than 4,200 of them, and sorted them by hook, argument and idea.

What this means if you advertise in this category

• What everyone says: sending with us costs you less. 43% of the creatives argue mainly on price.

• What almost nobody says: proof that it works. Only 7% show a transfer happening, and 5% cite reviews.

• A test worth running: show what keeps the money safe on its way, such as a guaranteed delivery time. Only 14% of creatives lead on safety; Remitly does in 38% of its own.

Nineteen brands chase one sender: someone abroad supporting family at home

Price comes first, and three brands open on an offer in most creatives

The most common opening is a price offer: zero fees, a better rate, or both. 27% of creatives start this way.

• TalkRemit, 63% of its creatives: "TalkRemit gives you a great rate and zero fees on your first transfer."

• ACE Money Transfer, 62%: "Zero Fee Transfers to Nigeria".

Three skip the discount and talk about life away from home

Sendwave, sendvalu and Xenvia show a discount in 1%, 0% and 6% of their creatives, against 43% across the category.

• Sendwave opens on a pain point in 46% of its creatives, against 15% overall: "Can't make it home for the family get-together?"

• sendvalu leans on belonging in 81%, against 16% overall: "Help them stay connected for calls, chats, and daily data."

• Xenvia tells an emotional story in 44%, against 11% overall: "Wherever you are in Europe, you can keep being there for your loved ones in Venezuela."

The most common creative is a price offer in huge type

Creatives that share one concept count as one idea, even when each is shot differently. The most common idea here is a poster with zero fees or a special rate in huge type: 21% of all creatives. Three brands put about half of theirs into it.

• ACE Money Transfer, 62% of its creatives: "Zero Fees on All Money Transfers".

• Ria, 54%: "Send money to Afghanistan with 0 fees on your first online transfer".

• Western Union, 42%: "Straight from you to them: send money to their bank account in India."

All of this is what Meta shows publicly, with no spend or results

It shows what these brands run, not what works.

• Every creative running from 21 September to 20 October 2026 that reached any of ten markets in the EU and the UK.

• Two brands are incomplete: 957 of MoneyGram's 1,920 ads in these markets are missing, and 219 of Ria's 627.

• A country counts when a creative reached it, which is not the same as targeting it.

Explore every brand's creative portfolio