rank,sending_country,receiving_country,b4a_score_0_100,avg_cost_200_pct,avg_cost_500_pct,cheapest3_avg_cost_200_pct,share_services_at_or_below_3pct,bank_premium_pct_points,services_tracked,period,avg_cost_200_pct_2021_q3,avg_cost_200_pct_2021_q4,avg_cost_200_pct_2022_q1,avg_cost_200_pct_2022_q2,avg_cost_200_pct_2022_q3,avg_cost_200_pct_2022_q4,avg_cost_200_pct_2023_q1,avg_cost_200_pct_2023_q2,avg_cost_200_pct_2023_q3,avg_cost_200_pct_2023_q4,avg_cost_200_pct_2024_q1,avg_cost_200_pct_2024_q2,avg_cost_200_pct_2024_q3,avg_cost_200_pct_2024_q4,avg_cost_200_pct_2025_q1,avg_cost_200_pct_2025_q3
1,Kuwait,Pakistan,100,0.35,0.4,-1.49,100,,21,"2025 Q3",2.62,2.32,2.1,1.82,2.48,2.02,1.56,0.64,1.4,0.59,0.45,0.78,0.27,-0.27,0.54,0.35
2,Bahrain,Pakistan,100,0.92,0.44,-0.02,100,,7,"2025 Q3",2.38,1.56,1.88,1.82,1.57,2.22,1.7,1.75,2.82,1.52,1.2,1,0.99,0.35,0.44,0.92
3,Australia,Pakistan,93.3,1.77,0.93,-0.32,88,,25,"2025 Q3",6.1,4.49,4.13,2.84,3.43,3.87,3.29,3.11,3.68,3.15,2.63,2.85,2.87,2.18,1.53,1.77
4,"United Kingdom",India,91.8,1.91,1.12,0.26,82.1,-0.96,28,"2025 Q3",4.19,3.86,4.08,3.43,2.83,2.82,2.82,2.96,2.61,2.52,2.69,2.81,2.88,3.01,2.7,1.91
5,Qatar,Pakistan,91.7,1.33,0.78,-0.27,66.7,-0.32,6,"2025 Q3",3.35,2.87,2.5,2.62,2.09,1.78,1.14,1.88,2.56,1.98,0.92,1.03,1.05,1.02,0.67,1.33
6,Bahrain,India,91.3,2.17,1.07,0.98,90,-0.07,10,"2025 Q3",2.49,2.5,2.55,2.81,2.91,2.69,2.54,2.52,2.58,2.75,2.76,2.62,3.19,2.72,2.52,2.17
7,"United Kingdom",Pakistan,87.9,2.39,1.22,-0.8,69,-1.56,29,"2025 Q3",2.68,2.55,2.67,2.94,3.81,2.94,2.85,2.9,2.92,2.77,1.94,1.71,1.92,1.62,1.53,2.39
8,"United Kingdom",Nigeria,87.8,1.96,1.26,-0.03,71,,31,"2025 Q3",2.98,1.72,2.73,3.66,3.6,3.93,4.27,4.79,4.04,3.98,2.79,6.48,3.22,3.1,3.14,1.96
9,Kuwait,India,87.6,2.37,1.35,1.65,93.3,,30,"2025 Q3",2.49,2.47,2.32,2.27,2.26,2.75,2.91,2.28,2.12,2.32,2.1,2.12,2.03,2.1,2.34,2.37
10,Qatar,India,87.4,2.5,1.37,1.66,85.7,0.21,7,"2025 Q3",3.37,3.41,2.99,3.48,2.98,3,3.01,3.41,3.11,3.19,3.21,3.05,3.16,3.28,2.74,2.5
11,"United Arab Emirates","Sri Lanka",87.1,2.7,1.56,1.08,83.3,-2.6,18,"2025 Q3",2.29,4.19,4.28,2.88,1.81,2.67,2.75,3.16,2.81,2.51,2.52,2.7,2.47,2.7,2.41,2.7
12,"United Arab Emirates",Pakistan,86.2,2.17,1.53,-0.35,70.6,2.83,17,"2025 Q3",2.99,3.9,3.73,2.12,1.39,1.71,1.78,1.52,1.97,1.61,1.78,1.73,1.61,1.93,1.42,2.17
13,Qatar,"Sri Lanka",85.2,2.34,0.91,1.64,66.7,-1.96,6,"2025 Q3",2.65,4.91,3.19,3.17,3.47,3.13,3.58,2.72,1.97,1.49,2.14,2.34,2.5,1.17,1.67,2.34
14,Germany,Nigeria,84,2.85,2.43,0.12,81.8,,33,"2025 Q3",4.2,3.37,2.73,2.27,2.53,1.57,2.28,2.27,2.98,2.37,1.97,7.44,4.74,6.1,4.01,2.85
15,Singapore,India,82.9,2.92,2.18,0.62,67.9,-0.32,28,"2025 Q3",3.24,2.9,2.55,2.84,2.1,2.33,2.26,2.18,2.19,2.62,2.47,2.67,2.48,2.67,2.65,2.92
16,Singapore,Philippines,81,3.16,2.08,0.93,73.7,2.65,38,"2025 Q3",2.51,2.52,3.08,3.22,2.97,2.97,2.49,2.59,2.62,3.33,3.22,3.35,3.32,3.48,3.33,3.16
17,"United States",Nigeria,80.8,2.72,1.69,-0.23,57.6,,33,"2025 Q3",3.85,3.57,3.71,3.57,2.94,3.67,3.68,3.77,3.81,3.89,3.91,4.69,3.8,3.44,3.01,2.72
18,Australia,Philippines,80.6,2.61,1.47,0.58,58.8,4,34,"2025 Q3",4.49,4.09,4.24,3.88,4.51,4.01,3.72,4.26,4.01,3.57,3.4,3.1,3.33,3.59,3.3,2.61
19,Qatar,Philippines,80.1,2.51,1.52,1.8,66.7,,6,"2025 Q3",3.16,3.68,3.08,3.58,2.81,3.26,3.48,3.45,3.28,3.03,3.39,4.23,3.79,3.65,3.2,2.51
20,Malaysia,Nepal,79,2.76,1.96,1.92,71.4,,14,"2025 Q3",2.85,2.76,2.87,2.62,2.72,2.64,2.7,2.96,2.44,2.48,2.37,2.67,3.68,2.93,3.08,2.76
21,"United Kingdom","Sri Lanka",77.7,3.06,1.82,1.15,62.1,,29,"2025 Q3",3.64,3.19,2.75,3.03,5.29,6.12,6,5.35,5.62,5.79,4.74,5.23,4.41,4.52,3.99,3.06
22,Malaysia,India,77.6,3.33,2.44,1.53,58.8,-0.14,17,"2025 Q3",2.59,2.25,2.11,1.93,1.68,2.91,2.12,1.9,1.66,2.22,2.09,1.66,2.76,2.71,3.04,3.33
23,"United Kingdom",Nepal,77.5,2.9,1.97,1.04,59.1,,22,"2025 Q3",5.16,4.3,3.97,3.57,3.71,4.29,4.05,4.65,4.33,4.02,3.74,3.87,3.75,3.48,3.21,2.9
24,Bahrain,Egypt,76.9,3.25,2.3,2.59,80,,5,"2025 Q3",4,3.58,4.68,4.57,4.15,4.53,5.04,4.12,4.83,4.85,4.83,4.91,3.92,3.92,4.5,3.25
25,Spain,Philippines,76.7,2.91,1.62,1.5,56.5,,23,"2025 Q3",3.57,3.45,4.06,4.24,4.4,3.21,3.51,3.71,3.06,2.99,2.96,2.63,3.49,2.71,3.27,2.91
26,Kuwait,Philippines,76.6,2.94,1.86,2.31,66.7,,30,"2025 Q3",2.4,2.14,2.25,2.7,2.4,2.69,2.92,2.58,2.8,2.48,2.29,2.52,2.53,2.74,2.54,2.94
27,"United Kingdom",Philippines,76.6,3.33,2,0.55,47.4,1.91,38,"2025 Q3",3.7,3.42,3.56,3.86,4.09,3.56,3.88,3.66,3.6,3.33,3.86,3.73,4.07,3.75,3.42,3.33
28,"United States",India,76.4,3.68,2.51,0.21,54.3,2,46,"2025 Q3",4.24,3.71,3.91,3.88,3.64,3.85,4.11,4.48,4.13,4.2,4.16,4.18,4.4,4.52,4.16,3.68
29,"United Arab Emirates",Nepal,76.1,3.41,2.17,1.55,52.9,0.73,17,"2025 Q3",3.09,3.27,3.4,3.18,2.98,2.74,2.85,2.84,3.26,3.08,3.05,3.01,3.18,3.33,2.9,3.41
30,"United Arab Emirates",Egypt,76,3.7,2.13,1.8,56.2,-3.41,16,"2025 Q3",5.31,5.19,5.79,3.82,3.22,3.16,3.06,2.77,3.17,3.09,3.09,3.59,3.89,3.86,3.12,3.7
31,"United Arab Emirates",Philippines,75.8,3.04,1.61,1.15,33.3,-2.34,21,"2025 Q3",2.88,2.97,3,2.92,2.55,2.65,2.74,2.48,2.61,2.93,2.85,2.89,3.45,3.09,3.04,3.04
32,Spain,Nigeria,75.3,2.88,1.78,0.71,44.4,,18,"2025 Q3",4.81,3.51,3.54,3.09,3.54,3.23,3.05,3.3,3.33,2.88,0.74,7.23,3.11,2.09,4.32,2.88
33,Canada,Philippines,75,3.55,1.91,1.14,45.9,1.52,37,"2025 Q3",4.76,4.59,4.54,4.55,4.67,4.44,4.23,4.58,4.41,4.51,4.6,4.71,4.43,4.32,4.2,3.55
34,"United Kingdom",Kenya,74.1,3.43,2.63,0.62,55.6,,27,"2025 Q3",6.15,5.76,5.11,3.79,4.07,4.71,4.85,4.83,4.6,4.11,4.59,5.4,4.98,4.51,4.3,3.43
35,Singapore,Pakistan,72.6,3.26,3.14,1.33,58.3,,12,"2025 Q3",5.22,3.56,3.85,3.89,4.81,3.98,5.42,5,5.34,4.7,2.78,2.81,2.7,2.75,2.91,3.26
36,Canada,Nigeria,71.8,3.15,2.24,1.52,46.2,,13,"2025 Q3",4.47,4.4,4.28,3.88,3.58,3.64,3.89,4.5,4.04,4.68,3.19,9.13,3.9,3.48,3.29,3.15
37,Canada,India,71.5,4.28,2.69,1.33,59.4,4.04,32,"2025 Q3",5.24,5.38,5.27,4.91,4.68,4.54,4.59,4.95,4.8,5.46,5.33,5.14,5.28,5.13,5.1,4.28
38,Malaysia,Philippines,71.3,3.92,2.53,1.27,54.1,5.03,37,"2025 Q3",3.64,3.1,2.72,2.33,2.56,2.85,3.03,3.36,3.36,3.27,3.41,3.58,3.57,3.94,3.82,3.92
39,"United Arab Emirates",India,70.9,3.72,2.19,0.97,45.8,5.93,24,"2025 Q3",3.5,3.5,3.64,2.91,3.21,3.1,3.15,3.07,3.18,2.93,2.87,2.98,3.77,3.72,3.68,3.72
40,Australia,"Sri Lanka",70.9,4.04,2.33,1.19,47.8,4.18,23,"2025 Q3",4.26,4.41,5.16,4.49,4.47,4.94,5.14,5.47,4.87,4.71,5.19,4.55,4.03,4.5,4,4.04
41,"New Zealand",Philippines,70.5,4.05,2.27,0.34,51.7,8.01,29,"2025 Q3",5.49,5.64,5.87,5.5,5.33,4.97,4.87,5.09,5.31,5.29,5.53,5.53,5.5,4.76,4.74,4.05
42,"United States",Pakistan,69.9,3.81,2.94,1.17,52,,25,"2025 Q3",4.64,4.93,4.95,4.71,4.52,4.16,4.24,4.45,5.16,4.9,4.44,4.5,4.61,4.8,4.37,3.81
43,Italy,India,69.9,3.97,2.12,0.16,78.9,17.18,19,"2025 Q3",3.06,2.53,2.64,2.76,2.38,2.43,2.98,3.07,2.84,2.67,2.65,2.65,3.02,4.52,3.86,3.97
44,"United Kingdom",Ghana,69.5,4.24,3.79,0.18,56.8,,37,"2025 Q3",6.31,5.53,5.12,6.9,10.26,6.16,8.95,5.35,5.81,5.08,4.31,5.07,4.51,6.85,6.47,4.24
45,Oman,India,69.4,3.3,1.49,2.62,18.2,-0.69,11,"2025 Q3",3.65,3.23,3.26,3.26,3.26,3.48,3.1,3.41,3.23,3.04,3.05,3.09,3.01,3.22,3.13,3.3
46,"Saudi Arabia",Philippines,69.2,3.82,1.98,2.67,60,7.76,10,"2025 Q3",3.01,3.57,3.33,3.7,4.68,3.9,4.29,4.07,4.15,3.86,3.96,3.9,3.98,4.15,3.96,3.82
47,Italy,Philippines,68.2,4.44,2.29,0.16,75.8,16.15,33,"2025 Q3",3.82,3.54,4.14,4.2,3.92,3.19,3.3,3.55,2.98,3.26,3.29,3.79,4.04,5.15,5.1,4.44
48,"New Zealand",India,68.2,4.68,2.77,0.47,48.5,5.84,33,"2025 Q3",5.71,5.53,5.58,5.13,5.06,5.19,5.03,5.38,5.92,5.64,5.56,5.69,5.83,4.79,4.92,4.68
49,Singapore,"Sri Lanka",66.7,3.9,3.19,1.47,20,-0.46,15,"2025 Q3",2.95,3.43,3.34,3.9,2.89,3.21,3.77,3.69,3.71,3.76,3.53,3.78,3.34,3.38,3.67,3.9
50,"United States",Mexico,66.7,4.54,3.06,-0.76,26.1,2.81,46,"2025 Q3",4.39,4.28,4.81,4.53,4.45,4.57,4.65,4.63,4.7,4.89,4.87,4.89,4.94,4.8,4.98,4.54
51,Germany,Ghana,66.3,4.45,3.9,0.94,54.5,,33,"2025 Q3",8.58,7.75,6.82,8.04,12.97,9.11,11.4,7.17,7.63,7.79,6.65,7.39,6.91,9.92,9.88,4.45
52,Kuwait,Egypt,66.2,3.33,2.02,2.9,36,,25,"2025 Q3",3.89,3.82,3.57,3.37,3.2,3.78,3.99,3.27,2.71,2.91,2.59,3.11,2.61,2.54,2.64,3.33
53,"United States",Kenya,65.9,4.26,3.44,0.36,40,,40,"2025 Q3",6.3,5.75,5.7,5.8,5.1,5.57,5.47,5.82,5.7,5.57,4.49,5.91,6.03,6.35,5.2,4.26
54,Oman,Pakistan,65.8,3.01,1.74,2.76,25,,4,"2025 Q3",6.16,3.16,2.56,3.51,3.23,3.19,3.18,1.92,2.51,2.24,2.58,2.31,1.52,2.04,1.88,3.01
55,"United States",Philippines,65.6,4.52,2.92,0.75,27.6,3.35,58,"2025 Q3",4.18,4.12,4.63,4.58,4.09,4.41,4.58,4.58,4.63,4.62,4.42,4.37,5.02,4.96,4.78,4.52
56,Oman,Nepal,64.6,3.11,1.51,2.87,20,,5,"2025 Q3",4.61,3.14,3.11,2.88,2.87,3,2.83,3.04,2.99,2.82,2.73,2.97,2.84,3.14,2.87,3.11
57,Oman,"Sri Lanka",64.5,3.31,1.62,3.17,0,-0.06,9,"2025 Q3",3.76,3.27,3.02,4.16,3.56,4,3.42,4.62,4.05,3.62,3.28,3.58,3.42,2.77,3.27,3.31
58,"United States",Ghana,64.1,4.37,3.37,0.25,32.3,,31,"2025 Q3",6.94,7.18,7,10.06,14.91,8.85,12.04,6.15,7.53,6.67,6.11,6.86,6.34,5.04,5,4.37
59,"Saudi Arabia","Sri Lanka",63.9,3.26,1.9,3.05,0,0.46,9,"2025 Q3",3.18,3.26,2.97,6.18,3.12,3.22,4.01,3.17,4,2.63,2.95,3.33,3.31,2.88,3.1,3.26
60,"United States",Nepal,63.1,4.41,3.3,1.18,36.4,,22,"2025 Q3",4.21,4.1,4.36,4.34,4.25,4.31,4.32,7.39,4.41,4.48,4.5,4.65,4.95,5.11,5.08,4.41
61,Canada,Ghana,60.9,5.42,3.64,-2.3,23.8,4.69,21,"2025 Q3",8.6,10.3,10.26,13.12,16.68,11.34,13.7,8.9,8.68,9.1,8.28,9.34,8.61,6.66,6.64,5.42
62,Australia,India,60.1,6.15,3.53,-0.37,47.2,9.24,36,"2025 Q3",4.76,4.3,4.49,4.08,4.41,4.37,3.75,4.31,4.17,3.99,4.02,3.91,4.36,4.14,3.78,6.15
63,Italy,Nigeria,60,4.55,2.8,0.88,50,16.6,18,"2025 Q3",5.33,4.85,4.31,3.84,2.97,3.36,4.5,4.54,4.4,4.38,2.88,5.04,2.57,3.85,4.84,4.55
64,"Saudi Arabia",Egypt,58.7,5.14,2.62,2.72,33.3,7.27,12,"2025 Q3",3.35,4.02,3.97,5.02,4.62,3.88,4.01,4.1,5.17,4.91,4.84,5.15,5.09,5.13,5.45,5.14
65,Canada,Pakistan,58.3,4.73,4.01,1.54,31.6,,19,"2025 Q3",4.79,5.03,4.87,4.8,5.25,4.76,5.51,5.12,4.94,6.07,5.1,4.98,5.25,4.96,4.96,4.73
66,"Saudi Arabia",Pakistan,57.8,5.02,2.82,1.76,25,8.66,12,"2025 Q3",3.24,3.5,5.38,3.97,5.01,4.18,3.94,4.12,6.23,4.93,4.56,4.29,5,4.78,4.72,5.01
67,"United Kingdom",Bangladesh,57.4,5.11,4.24,2.41,12.5,-3.09,32,"2025 Q3",3.34,2.9,2.44,2.33,7.08,8.86,4.85,2.44,9.15,11.02,7.22,10.59,6.38,4,4.99,5.11
68,France,India,55.6,6.33,3.34,1.43,50,12.15,28,"2025 Q3",7.39,7.16,6.36,4.88,5.03,3.53,6.02,5.03,6.88,6.24,5.54,6.48,5.4,5.68,6.51,6.33
69,Canada,Kenya,55.3,6,4.63,0.86,33.3,7.48,21,"2025 Q3",7.87,7.39,7.7,6.89,6.43,6.92,6.42,7.22,6.69,6.91,7.08,7.53,7.53,7.63,7.28,6
70,Italy,"Sri Lanka",54.9,5.22,3.08,1.78,59.3,20.13,27,"2025 Q3",3.88,4.3,3.62,3.74,2.97,4.2,4.18,5,4.77,5.13,5.35,5.56,5.48,6.5,6.47,5.22
71,Canada,"Sri Lanka",54.3,4.75,3.46,2.89,22.2,,9,"2025 Q3",3.64,5.75,4.96,5.01,4.75,5.48,5.31,5,4.96,5.12,5.63,6.22,5.41,5.8,5.6,4.75
72,Qatar,Egypt,54.2,5.63,4.54,3.28,33.3,4.7,6,"2025 Q3",5.02,5.49,4.95,4.82,5.4,5.1,5.61,6.34,4.87,6.42,6.74,7.36,5.98,6.11,6.04,5.63
73,Qatar,Nepal,53.8,4,2.19,3.4,0,,6,"2025 Q3",2.42,3.02,3.21,3.52,2.88,3.2,3.5,3.66,3.92,3.26,3.13,3.95,3.8,3.66,3.81,4
74,Germany,India,52.3,6.78,3.49,1.38,63,17.82,27,"2025 Q3",5.16,6.03,6.94,6.12,8.09,6.8,6.92,6.37,7.2,7.46,7.33,6.66,8.24,8.22,7.63,6.78
75,"Saudi Arabia",Nepal,50.7,5.02,2.73,3.23,0,7.96,11,"2025 Q3",3.6,3.88,3.96,4.15,4.41,4.14,3.68,4.36,4.72,4.74,4.68,4.81,5.54,5.42,5.34,5.02
76,"United States",Egypt,48.6,5.36,3.89,2.95,12.5,,16,"2025 Q3",5.38,4.7,5.02,5.05,4.13,4.83,5.09,4.92,5.09,5.1,5.43,5.63,6.03,5.59,4.62,5.36
77,"Saudi Arabia",India,47.9,5.59,3.07,3.39,0,7.96,12,"2025 Q3",4.21,4.16,4.4,4.48,4.45,4.59,4.22,4.74,4.54,5.1,5.07,5.1,5.78,5.71,5.77,5.59
78,Singapore,Bangladesh,45,6.54,5.71,3.71,0,-0.26,23,"2025 Q3",3,3.31,3.23,3.41,8.76,8.04,4.44,2.92,9.21,11.7,7.76,9.82,7.21,3.86,5.13,6.54
79,Japan,India,37.7,8.72,4.48,2.27,18.2,12.15,22,"2025 Q3",11.24,9.67,10.42,10.09,10.19,9.82,9.38,9.23,9.69,9.35,9.33,9.96,9.94,9.58,9.76,8.72
80,Bahrain,Bangladesh,33.2,6.2,5.19,5.81,0,,11,"2025 Q3",1.55,1.3,0.46,1.5,2.59,3.4,2.88,1.62,8.03,7.53,6.16,8.92,6.99,2.67,5.2,6.2
81,Malaysia,Bangladesh,33.2,7.51,6.3,5.17,0,6.34,30,"2025 Q3",2.95,2.59,2.26,2.35,12.06,9.66,7.07,3.12,9.62,12.14,10.78,10.82,7.52,5.7,7.49,7.51
82,Kuwait,Bangladesh,30.2,6.63,5.62,5.98,0,,28,"2025 Q3",2.29,2.18,2.24,1.33,4.15,4.24,3.58,1.89,6.69,7.87,6.68,8.81,5.56,1.99,5.84,6.63
83,Italy,Egypt,29.5,9.02,4.9,2.14,14.3,22.22,21,"2025 Q3",5.26,4.83,5.88,5.58,5.54,5.41,6.07,5.55,5.51,5.11,7.42,7.99,9.96,10.54,12.19,9.02
84,Qatar,Bangladesh,26,7.18,5.54,7,0,,4,"2025 Q3",2.4,2.32,1.59,2.84,3.09,4.33,2.86,3.2,8.4,7.4,3.12,8.5,6.98,3.21,6.3,7.18
85,"United States",Bangladesh,25.6,7.61,6.66,5.3,0,,24,"2025 Q3",4.03,3.61,3.07,3.51,7.05,7.03,5.91,4.12,9.99,12.72,9.1,11.19,8.15,5.62,7.81,7.61
86,"United Arab Emirates",Bangladesh,23.4,7.72,6.53,6.24,0,,9,"2025 Q3",5.41,5.22,5.05,3.44,4.14,4.93,5.26,2.55,10.04,13.55,10.17,9.55,8.32,4.75,6.22,7.72
87,Oman,Bangladesh,19.3,8.05,6.36,7.71,0,,9,"2025 Q3",3.9,3.14,2.45,1.07,7.29,7.5,3.66,4.28,9.7,8.24,5.36,9.35,6.74,2.63,6.45,8.05
88,Italy,Bangladesh,19.3,9.55,6.34,4.12,3.3,19.73,30,"2025 Q3",3.21,3.3,2.54,2.78,9.74,9.19,5.43,3.52,9.15,10.66,8.58,12.11,8.86,7.79,10.32,9.55
89,"Saudi Arabia",Bangladesh,18,10.2,7.28,7.23,0,7.51,9,"2025 Q3",3.93,3.41,3.39,2.91,7.59,7,6.82,5.28,11.65,14.65,11.98,11.87,10.29,7.51,10.23,10.2
90,Japan,Philippines,12.1,12.88,6.53,3.36,2.2,22.41,45,"2025 Q3",7.01,5.9,5.93,6.54,6.65,6.45,6.09,6.17,6.14,5.95,5.93,6.64,6.36,6.64,6.03,12.88