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Finding the best way to send money to Austria can feel like trying to navigate the winding streets of Vienna without a map. It's confusing, time-consuming, and potentially expensive if you take a wrong turn. One time, maybe you’re sending a graduation gift to a cousin in Salzburg. Another time, you might be paying for a cozy Airbnb in the Tyrolean Alps!
But no matter what, I know that your top priorities are security, speed, and keeping those pesky fees to a minimum. So, is your traditional bank still the safest bet, or are fintech apps like Ogvio and Wise the secret to getting your money to Austria in the best possible way? I’ve spent a lot of time testing the latest platforms to see which ones actually deliver on their promises in 2026. Here are the platforms I'm going to cover in this article:
- Ogvio - Send Money Like Sending a DM
- Xe - Reliable EUR Transfers to Austria at Market Rates
- Wise - Transparent Transfers Straight to Austrian IBANs
- Remitly - Fast International Transfers to Austria
- MoneyGram - Cash Pickup and Bank Transfers Across Austria
I’ll also help you navigate the nuances of SEPA, mid-market rates, and hidden costs. Stick with me, and I’ll ensure your Euros land exactly where they need to be, without any of the banking headaches.
1. Ogvio - Send Money Like Sending a DM
Ranks #1 out of 5 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
Ogvio is a newcomer to the industry, but it comes packing a punch. The platform supports more than 160 countries, including Austria and other countries within the Eurozone. If you’re looking for a service with global coverage, then Ogvio is a strong candidate.
One of Ogvio’s biggest strengths is how easy it is to use. First of all, you can access it on mobile phones, tablets, and desktops. You just need to open your web browser, visit the website, and you’re good to go. No need to install any apps, so you can save on storage.
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Table: Information about Ogvio's user experience
To create an account, all you need is your email address, and you can start using the service immediately without giving out any personal information, like your phone number or full name, from the get-go.
Ogvio requires KYC verification for any bank-transfer-related features. But, you can use other payment or transfer methods like crypto transfers or Ogvio-Ogvio transfers without passing the verification process.
While the service offers multiple ways to transfer money, sending to another Ogvio account is by far the easiest. Instead of entering long IBANs, you just need to provide the recipient’s unique @Tag, which works like a user’s account handle in social media platforms.
In a way, transferring money with this method is as easy as sending a DM on your favorite social media platforms, which is how remittance is supposed to be in the first place.
Another one of Ogvio’s core strengths is its pricing structure. Creating an account on the platform is free, meaning there are no confusing subscription plans. You only pay when sending money with certain methods, like bank transfers.
The fees are competitive and transparent. Ogvio shows all the associated fees before you finalize any transaction. Additionally, there are 0 fees for some services, like crypto transfers and Ogvio-Ogvio transfers. This makes Ogvio a great option for those looking to send money to Austria for free.
Last but not least, Ogvio is all about speed. All transfers between Ogvio users are instant by design. But bank transfers are very quick as well because Ogvio uses local payment methods. In Austria and other EU countries, the platform uses SEPA, so you can expect nearly instant transfers.
Key Features
Other than the key strengths I’ve mentioned above, Ogvio also has other features that make it one of the best ways to send money to Austria. Here are some of them:
- Top-Tier Security. Ogvio is non-custodial by design. Nobody except you has access to your money, let alone control it. The platform also implements advanced 256-bit AES encryption to protect your account.
- Currency Pegging. Your money will be automatically converted into either USD or EUR, two of the most stable fiat currencies in the world. This can help you maintain your money’s value, especially in regions where the local currency constantly fluctuates.
- Crypto Access. You can swap your USD or EUR balance to any of the supported crypto on Base, including BTC, ETH, and AAVE, and store it in your wallet.
- Request Money Feature. Aside from sending money, you can also request payment from other users using custom payment links for an easier transaction.
So, what do you think? I think Ogvio offers one of the easiest ways to send money to Austria. With multiple transfer methods and transparent fees, you can’t go wrong with this platform.
2. Xe - Reliable EUR Transfers to Austria at Market Rates
Ranks #2 out of 5 Money Transfer Services
- + Extensive global coverage
- + Real-time exchange rate tools
- + Rate alert features
- + Currency chart tools
- + Cash pickup option
- - Variable fees for certain payments
- - No physical or virtual card
With more than 30 years of experience, Xe is a household name in the world of foreign exchange. You might’ve heard of it when you check for an exchange rate online. It is, after all, one of the most popular currency data sites on the planet. Beyond just tracking rates, it has evolved into a powerhouse for sending money to Austria, backed by the security of the Euronet Worldwide family.
One of the core benefits of Xe is its reliability and simplicity. The platform is incredibly user-friendly, offering both a clean web interface and a robust mobile app.
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Table: Information about Xe's user experience
When sending to Austria, you can choose between bank deposits or even cash pickup locations, with most transfers arriving within minutes or up to a few business days, depending on your payment method.
The fee structure is straightforward: for many common routes like sending Euros from the US or UK, Xe often charges zero fees if you meet a minimum threshold (typically around $500 or €250). For smaller amounts, a nominal flat fee applies.
📚 Check Out: Cheapest Way to Send Money Internationally
While they do apply a small markup on the mid-market exchange rate, their pricing remains highly competitive compared to traditional banks. Xe is an especially good option for those looking for a trusted, all-in-one platform that handles both small family gifts and large-scale transfers with high security.
Key Features
So, what makes Xe one of the best ways to send money to Austria? Take a look at some of its core features:
- Real Exchange Rate Benchmark. Xe is widely known as a reference for live exchange rates, making it easier to understand whether you’re getting a fair EUR conversion when sending money to Austria.
- Direct Bank-to-Bank Transfers. Funds are sent straight from your bank account to an Austrian IBAN, keeping the process simple and familiar for recipients in Austria.
- Low or No Transfer Fees. Xe often charges little to no upfront transfer fees, with costs typically built into a small exchange rate margin instead.
- Trusted, Long-Running Platform. With over three decades in the currency space, Xe offers reliability and stability that many users value for international transfers.
There is one thing to keep in mind if you want to transfer money to Austrian bank accounts using Xe. Occasionally, an intermediary or receiving bank in Austria might take a small handling fee out of the total before it lands in the recipient's account.
3. Wise - Transparent Transfers Straight to Austrian IBANs
Ranks #3 out of 5 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Wise is one of the most popular remittance apps on the market today, and for good reason. This platform built its reputation on a simple but revolutionary idea: making international money transfers as cheap and transparent as possible.
The core benefit of using Wise to send money to Austria is its commitment to the mid-market exchange rate. This is the "real" rate you see on Google, without any added markups or hidden spreads.
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Table: Essential information about Wise
Instead of charging for currency conversion, Wise charges a single, upfront service fee that is clearly displayed before you send. For many users, this makes it significantly cheaper than traditional banks or even established competitors that hide their profit in the rate.
In terms of speed, Wise is a powerhouse. Many transfers to Austria are near-instant, with the majority arriving in under 24 hours. The app itself is sleek and intuitive, allowing you to fund your transfer via bank transfer, debit card, or even Apple Pay.
📚 Related Reading: How to Transfer Money from Wise to a Bank Account
It’s an ideal option for anyone who values honesty and wants to know exactly how many Euros will land in the recipient's bank account down to the last cent.
Key Features
Wise also comes with several convenient features that make it one of the best apps to send money to Austria. Take a look at some of them:
- Mid-Market Exchange Rates. Wise uses the real mid-market exchange rate for EUR conversions, helping you avoid hidden markups when sending money to Austria.
- Transparent Fees. Fees are shown clearly before you confirm the transfer, so you know exactly how much will arrive in the recipient’s Austrian bank account.
- Direct IBAN Transfers in Austria. Wise supports direct transfers to Austrian IBANs, making it easy to send euros straight to local bank accounts.
- Multi-Currency Account Option. Wise lets you hold and manage multiple currencies, including EUR, which is particularly useful if you regularly send money to Austria.
If you want to transfer money to Austrian bank accounts with ease, Wise is a strong recommendation. Of course, check for fees and other charges and see if they fit your preference.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Remitly - Fast International Transfers to Austria
Ranks #4 out of 5 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
If you are looking for a service that prioritizes speed and payout variety, Remitly is a strong contender for sending money to Austria. It is particularly popular among those who need flexibility in how their recipient gets paid.
While most modern apps focus solely on bank-to-bank transfers, Remitly offers options like bank deposits and cash pickups, making it a handy tool if your recipient in Austria prefers to collect cash in person at a partner location.
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Table: Remitly's asset movement details
One of Remitly’s standout features is its Express VS Economy model. If you’re in a hurry, the Express option allows you to fund a transfer with a debit or credit card, often resulting in the money arriving within minutes.
On the flip side, the Economy option is slower (taking 3 to 5 business days) but typically offers better exchange rates and lower fees. They also frequently entice new users with highly competitive promotional rates on their first transfer, which can save you a decent chunk of change right out of the gate.
However, once those new customer promotions expire, Remitly’s exchange rates usually include a higher markup compared to a transparent provider like Wise or Ogvio. Additionally, while the Express speed is impressive, it often comes with higher flat fees and potential credit card surcharges from your bank.
Finally, Remitly has fairly strict daily and monthly sending limits, so if you’re planning to move a large sum for something like a property purchase in Austria, you might find the verification tiers and caps a bit restrictive.
Key Features
Millions of users choose Remitly for its features and benefits. Here are some noteworthy features you might want to know to help you decide if it is the best way to send money to Austria:
- Fast Delivery Options. Remitly offers both Economy and Express transfer speeds, letting you choose between lower fees or faster delivery to Austria.
- Clear Fees Before You Send. Transfer fees and exchange rates are shown upfront, so you know exactly how much your recipient in Austria will receive.
- Easy-to-Use Mobile App. The Remitly app is designed for quick, simple transfers, making it accessible even if you’re sending money internationally for the first time.
- Strong Focus on International Remittances. Remitly is built specifically for cross-border transfers, which makes it a practical choice for sending money to Austria regularly.
All things considered, Remitly is a strong contender as one of the easiest ways to send money to Austria. If you value having the choice between lightning-fast delivery and cost-effective economy rates, Remitly provides a flexible and dependable bridge for your transfers to Austria.
5. MoneyGram - Cash Pickup and Bank Transfers Across Austria
Ranks #5 out of 5 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
MoneyGram is a veteran in the remittance world, often recognized as the go-to choice for those who need a massive physical presence. With over 400,000 agent locations worldwide, it’s one of the most accessible platforms for sending money to Austria, especially if your recipient doesn’t have easy access to a traditional bank account.
The primary benefit of using MoneyGram is the variety of payout options. You can send money directly to an Austrian bank account, a debit card, or opt for a cash pickup at various partner locations across the country, like DenizBank.
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Table: MoneyGram's coverage details
MoneyGram also offers a "Plus Rewards" program, which is a nice touch for regular senders looking to snag discounts on future transfer fees.
However, keep in mind that fees can vary wildly depending on whether you pay via bank transfer, debit card, or credit card, with the latter often incurring hefty surcharges. It’s a fantastic, reliable service for speed and cash access, but it may not always be the absolute cheapest way to move your money.
Key Features
Now that you know the essential information about using MoneyGram to transfer money to Austria, I will show you some of its core offerings to help you understand the service better:
- Cash Pickup Option in Austria. MoneyGram allows recipients to collect cash at many physical locations across Austria, which is useful if a bank transfer isn’t an option.
- Bank Account Transfers Available. In addition to cash pickup, MoneyGram supports direct deposits to Austrian bank accounts, including IBAN-based transfers.
- Fast Transfer Speeds. Many transfers can be completed within minutes, especially when sending money for cash pickup in Austria.
- Multiple Payment Methods. You can fund transfers using bank accounts, debit cards, or credit cards, depending on your location.
If cash pickup is your preferred way of sending money to Austria, then MoneyGram can be one of the options worth considering. Even if you don’t want to send cash directly, the platform can still accommodate your transfer via other methods.
How to Send Money to Austria from the UK
If you’re wondering how to send money to Austria from UK, then I have some good news for you. It is actually one of the most efficient corridors in the world. In most cases, you won’t face many issues with this type of transfer.
However, there are several “post-Brexit” nuances you need to understand before making any transfer. First, UK banks may treat EUR transfers as international rather than domestic, which can result in higher fees or slower processing if you’re using a traditional bank.
Common Transfer Methods | Fintech apps, standard bank transfers (SEPA), currency brokers, and cash pickup services |
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Primary Network | SEPA (Single Euro Payments Area) |
Transfer Speed | Instant - 2 business days |
Legal Sending Limit | ✗ |
Common Fees | Apps are usually £0-£3. Banks often charge £9.50+ |
Table: Essential information about UK-Austria transfers
Some banks also apply SHA fees, meaning intermediary banks can deduct small amounts along the way.
For personal gifts or living expenses, there are typically no taxes. However, for large transfers like buying property, you should keep a Source of Funds (like a pay slip or house sale contract) handy, as Austrian banks are strict about Anti-Money Laundering (AML) checks.
Fortunately, both the UK and Austria are members of the SEPA (Single Euro Payments Area) network, and transferring money is almost as simple as making a domestic payment. Platforms like Ogvio also use SEPA to transfer money to Austrian bank accounts.
Austria uses a 20-digit IBAN starting with "AT". A single typo can lead to a failed transfer, which can take up to 10 days to bounce back to your UK account.
That said, here is how to send money to Austria from the UK using Ogvio with bank transfer as the method:
That’s it! You’ve successfully transferred money to an Austrian bank account using Ogvio. Keep in mind that there is a €100,000 limit for transfers to any Eurozone country, so plan accordingly.
How to Send Money to Austria from Türkiye
Sending money from Türkiye to Austria is a bit more complex than sending from the UK. This is because you are moving funds from outside the EEA (European Economic Area) and dealing with Türkiye's specific financial regulations, especially if you prefer using traditional banks.
For example, the Turkish Financial Crimes Investigation Board (MASAK) monitors all outbound transfers. For any amount over 15,000 TRY or equal, banks are legally required to verify the sender's ID and record the transaction details.
Common Transfer Methods | Fintech apps, standard bank transfers (SWIFT), and Universal Payment Transfer (UPT) |
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Primary Network | SWIFT (standard for non-EEA banks) |
Transfer Speed | Minutes to 4 business days |
Legal Sending Limit | Banks must report outbound transfers exceeding $50,000 or equivalent |
Common Fees | Apps usually charge a flat fee or %. Banks often charge 150 TRY-500+ TRY for SWIFT |
Table: Essential information about Türkiye-Austria transfers
Additionally, while there isn't a hard cap on how much you can send, transfers exceeding $50,000 USD or equivalent often trigger additional reporting requirements and may require written documentation explaining the source of the funds.
Since Türkiye is outside the SEPA zone, money often travels through correspondent banks. These banks may take a cut (typically €15 - €30) as the money passes through, meaning your recipient might receive slightly less than you sent unless you choose to cover all fees upfront.
Most Turkish banks will first convert your TRY to USD and then to EUR if you are using the SWIFT network, which can lead to "double conversion" fees.
Thankfully, you can bypass all of this complex paperwork and extra charges by using remittance apps like Ogvio. If you choose to send money to another Ogvio user in Austria, it is free and instant, which is a far better alternative in my opinion.
Here is how you can do it:
As you can see, sending money to another Ogvio user is very easy and quick. Not to mention that you don’t have to pay for any transfer or currency exchange fees. That’s why I think it is the easiest way to send money to Austria.
How to Send Money to Austria from the US
Sending money from the US to Austria involves moving funds from a USD-based system into the Eurozone. While the path is well-traveled, there are several regulatory intricacies involved in the transfer process.
First of all, any transfer over $10,000 is automatically reported to the IRS by your bank or transfer provider under the Bank Secrecy Act. This isn't a problem for most people, but you should be prepared to provide a reason for transfer.
Common Transfer Methods | Fintech apps, standard bank transfers (SWIFT), and cash pickup services |
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Primary Network | SWIFT for bank wires |
Transfer Speed | Instant - 4 business days |
Legal Sending Limit | ✗ |
Common Fees | Apps: $0-$10. Banks: $25-$50 for outgoing wires |
Table: Essential information about US-Austria transfers
Additionally, as of January 1, 2026, a new 1% federal excise tax applies to outbound transfers from the US if you fund the transfer using cash, money orders, or cashier's checks. If you want to avoid this extra cost, you may want to consider an alternative way to send funds from the US to Austria.
One of the possible ways to do this is by using cryptocurrencies. Ogvio is a great MTS platform for this, since it offers a very seamless integration between fiat and crypto. Take a look at how to send money from USA to Austria using crypto on Ogvio:
The good news is that crypto transfers on Ogvio are completely free. You don't even have to pay for the gas fees since the platform will cover them for you. One thing to keep in mind is that crypto transfers are irreversible. Therefore, ensure you verify all the details, particularly the wallet address.
The Cheapest Way to Send Money to Austria
As I've touched on a couple of times throughout this article, cost is one of the most important aspects in transferring money. That's why finding the cheapest way to send money to Austria is crucial for most people.
However, it is not the easiest task to do, considering how many options you have. Even after I've shown you my version of the five best ways to send money to Austria, comparing each of them can be a bit of a hassle.
So, to help you get the answer at a glance, here are three of the cheapest ways to send money to Austria that can help you cut on transfer costs:
- Ogvio. As I said earlier, transfers between Ogvio users and to external crypto wallets are completely free. Transfer fees to Austrian bank accounts are very affordable as well. So, I think Ogvio is a great option if you want to get the most out of your money.
- Wise. Wise is popular for its true mid-market rate, making it favorable for those who want to avoid hidden exchange rate markups when transferring money to Austria.
- Remitly. At the time of writing, sending £100 to an Austrian bank account will cost you £1.49 on Remitly. The platform also offers a free transfer for a new user. So, if you need a one-time solution for sending money to Austria, then Remitly is worth considering.
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Table: Pricing comparison between Ogvio, Wise, and Remitly
While it can feel a bit overwhelming to choose one at first, stepping away from traditional banks and using one of these MTS platforms, you’re already saving a significant amount of money. Just remember to take a quick look at the total cost right before you hit send, as these rates can shift throughout the day.
Conclusions
So, have you found the best way to send money to Austria that fits your needs and preferences? Each of the money transfer services that I included in this list has its own strengths and weaknesses. Ultimately, you have to decide which one matches your situation perfectly. Do you need something like Wise that offers a true mid-market exchange rate? Or a platform like Ogvio that gives you a fast and seamless way to transfer money worldwide?
Regardless of your choice, make sure you examine important factors like availability, speed, security, and fees before you decide to use a particular MTS. Picking the right platform can save you a lot of headaches when sending money to your recipient in Austria.
If you want to send money easily to more than 160 countries worldwide, check out Ogvio yourself!
By taking just a few minutes to look past the "zero fee" headlines and checking the total amount that will actually land in your recipient’s hands, you can ensure your money goes further. Austria’s banking system is world-class and highly efficient. By pairing it with the right transfer service, you’re setting yourself up for a smooth, stress-free experience.
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