Private persons can choose to send money abroad in different ways. According to the Riksbank’s survey on cross-border payments, around nine out of ten use payment services offered by regulated payment service providers. The most common methods are bank transfers (38 per cent) and Western Union (29 per cent). Other uses include PayPal (8 per cent), RIA (4 per cent) and Wise (4 per cent). However, not all payment service providers offer payments to all countries, which may be one reason why bank transfer and Western Union are relatively widely used compared to other services that are often cheaper. A few stated that they use networks of money intermediaries, such as hawala agents, or send money with people travelling to the recipient country.