Cheapest way to send money to Europe (euro) · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 179.24 EUR | 0.8962 EUR/USD |
| Instarem | 178.23 EUR (−0.56%) | 0.8911 EUR/USD |
| Western Union | 177.04 EUR (−1.23%) | 0.8896 EUR/USD |
| Wells Fargo | 173.94 EUR (−2.96%) | 0.8697 EUR/USD |
| Wise | 172.71 EUR (−3.64%) | 0.8975 EUR/USD |
| OFX | 171.36 EUR (−4.4%) | 0.8788 EUR/USD |
| Chase (US) | 169.74 EUR (−5.3%) | 0.8704 EUR/USD |
| PayPal | 167.76 EUR (−6.4%) | 0.8603 EUR/USD |
| Xoom | 165.07 EUR (−7.91%) | 0.8254 EUR/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 896.21 EUR | 0.8962 EUR/USD |
| Instarem | 890.46 EUR (−0.64%) | 0.8905 EUR/USD |
| Western Union | 888.73 EUR (−0.83%) | 0.8896 EUR/USD |
| Wise | 888.61 EUR (−0.85%) | 0.8975 EUR/USD |
| OFX | 874.37 EUR (−2.44%) | 0.8788 EUR/USD |
| Wells Fargo | 869.69 EUR (−2.96%) | 0.8697 EUR/USD |
| Chase (US) | 866.1 EUR (−3.36%) | 0.8704 EUR/USD |
| Xoom | 864.2 EUR (−3.57%) | 0.8642 EUR/USD |
| PayPal | 855.97 EUR (−4.49%) | 0.8603 EUR/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Remitly wins at $200 and Remitly at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000