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Sending money abroad should be simple, but if you’ve ever tried it, you already know it’s rarely that straightforward. Between confusing fees, vague exchange rates, and endless zero-fee promises, finding the best way to send money to Belgium can feel more stressful than it needs to be. Even worse is that you often don’t realize you’ve chosen the wrong option until the money arrives and the numbers don’t quite add up.
Banks, remittance apps, fintech platforms, crypto-powered services - they all claim to be fast, cheap, and reliable. But when you look closer, not all of them actually deliver on those promises. So, what's your best solution? And how can platforms like Ogvio, Wise, and Revolut help you send money to Belgium in an easier and more cost-efficient way?
That’s exactly why this guide exists. I will show you my version of the seven best money transfer services to Belgium, which include:
- Ogvio - Send Money to Belgium Instantly
- TorFX - Personalized Service for Large Transfers
- Wise - The Most Transparent Mid-Market Rates
- Revolut - All-in-One Digital Banking and Currency Exchange
- Remitly - Flexible Delivery and Special First-Time Offers
- PayPal - The Trusted Standard for Secure Digital Payments
- MoneyGram - Flexible Cash Pickup and Unbanked Accessibility
By the end, you’ll know which platforms are genuinely worth your time and which ones are better left alone. Stick around, you might be surprised how much you can save.
1. Ogvio - Send Money to Belgium Instantly
Ranks #1 out of 7 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
If you’ve ever wondered how to send money to Belgium without getting hit by hidden charges, slow processing times, and confusing codes, Ogvio is worth a close look. On the surface, it feels like chatting with a friend. It is very simple, fast, and clear about what’s happening with your money - exactly how it’s designed.
First off, one of the biggest headaches with traditional banks or older remittance services is the fees, both obvious and hidden. What looks like a reasonable charge at the start can balloon into surprise costs when your recipient actually receives the funds.
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Table: Ogvio pricing details
Ogvio flips that model on its head by being transparent about fees upfront and even offering 0% Ogvio margin fees on many transfers. That means you can more easily see what you’re paying before you hit send.
Speed is also one of Ogvio's main strengths. The platform transfers money to Belgian bank accounts using the local SEPA network, which lets your money arrive instantly. This is a huge advantage if timing matters, like if you need to pay a bill, support family, or deposit money into your own account in Belgium quickly.
Another feature that makes Ogvio feel especially modern, and arguably among the easiest ways to send money to Belgium, is the use of a simple @Tag system instead of long bank details and routing codes. This works a bit like sending a direct message: enter your recipient’s tag, confirm, and the money is on its way.
For anyone who’s ever mistyped a SWIFT code or IBAN, this ease-of-use boost alone can be a game changer.
There’s also the currency stability angle. When you deposit money into your Ogvio account, it’s automatically pegged to stable currencies like EUR or USD. This protects your balance from volatility and makes it more predictable what your recipient will receive in Belgium, which is something especially handy if you’re funding the transfer from a different country or currency.
Key Features
While I've covered some reasons why I think using Ogvio is one of the best ways to send money to Belgium, the platform offers more features to simplify your money transfers. Let's take a look at them:
- Global Support. Ogvio supports more than 160 countries and regions, making it a great option no matter where you are.
- Strong Security. The platform implements 256-bit AES encryption and a transaction PIN to safeguard your account from unauthorized access.
- Crypto Access. You can swap your balance to any supported cryptocurrencies like BTC or ETH. You can also send money directly to any external wallet address that supports USDC on Base.
- Non-Custodial Design. Ogvio is non-custodial by design, meaning that nobody else but you can touch or control your money. Not even Ogvio itself.
All things considered, I think Ogvio is one of the best apps to send money to Belgium, especially if you value speed, clarity, and a no-nonsense way to move money without overthinking the process.
2. TorFX - Personalized Service for Large Transfers
Ranks #2 out of 7 Money Transfer Services
- + Buy currency in advance
- + Promotions for larger transactions
- + Flexible transfers
- + 24/7 email and phone support
- - High thresholds
- - Less competitive for smaller money transfers
TorFX is a well-established international money transfer service that’s especially appealing if you’re thinking about sending bigger sums abroad, like when you need to make large transfers for a major purchase or extended stay in Belgium.
One of the main things that sets TorFX apart is its no upfront transfer fees policy. Instead of charging a separate fee, TorFX builds its cost into the exchange rate it offers, which often results in competitive pricing for larger transactions compared with what traditional banks might charge.
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Table: TorFX pricing details
TorFX also works well for larger amounts of transfers because there’s no maximum transfer limit, giving you flexibility and peace of mind.
It’s worth noting that transactions through TorFX are typically done via bank-to-bank transfers, so you’d be arranging a direct transfer to your Belgian bank account.
Another reason people choose TorFX is the personal support and guidance. Instead of just clicking a few buttons, you get access to a dedicated account manager who can help advise you on timing, locking in favourable rates, or even arranging forward contracts, letting you fix a rate now for a transfer you’ll make later.
Key Features
As one of the platforms that offer the best way to send money to Belgium, TorFX comes with several useful features that can make your remittance experience better. Here are some of them:
- Live Exchange Rate Tracking. You can check real-time exchange rates through the TorFX app or online dashboard, so you can time your transfer for the most favourable rate.
- Secure Multi-Currency Wallet. TorFX lets you buy and hold currency in a secure wallet, meaning you can purchase euros when the rate is good and send them to Belgium later.
- Regular Overseas Payments. If you need to make ongoing transfers, like monthly bills or tuition, TorFX supports automated recurring payments to save time and effort.
- Tailored Risk Management Tools. TorFX offers tools for business transfers, like forward contracts, limit orders, and stop-loss orders, which help protect your transfer from currency volatility.
One thing to keep in mind is that TorFX might not be the best choice if you need a platform for smaller transfers due to its fee model. But, for those who look to send money larger than $2,000 to Belgium, you might want to consider the platform.
3. Wise - The Most Transparent Mid-Market Rates
Ranks #3 out of 7 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
As one of the most popular remittance services, Wise is often one of the first options people think of when figuring out the cheapest ways to send money to Belgium, and for good reason. Wise uses the mid-market exchange rate (the same rate you see on Google or XE) with transparent, upfront fees, so you’re not hit with hidden markups that traditional banks sneak into their rates.
That transparency can make a noticeable difference in how much your recipient actually gets. Instead of a seemingly free transfer with a poor exchange rate, Wise shows both the fee and the exact rate before you confirm, which helps you compare costs clearly.
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Table: Wise pricing details
On many currency routes, including to Belgian bank accounts, transfers can arrive in seconds or within the same day, so you don’t have to wait days for your euros to clear.
📚 Related Reading: How to Transfer Money from Wise to a Bank Account
Wise also offers a multi-currency account that’s useful if you send money often. You can hold, convert, and manage funds in different currencies all in one place, and then pay out in euros when you’re ready, giving you flexibility and more control over timing and rates.
Key Features
Before you decide if using Wise is the best way to send money to Belgium for you, let's take a look at other core features that the platform has to offer:
- Real-Time Transfer Tracking. Once you send money, you can see exactly where your transfer is and get updates right in the app or by email until it reaches the Belgian bank account.
- Local Bank Details in Multiple Regions. Wise gives you real local account numbers in places like the EU, UK, US, and more, so people can send you funds as if it were a domestic payment.
- Volume Discounts for Larger Transfers. If you’re sending higher amounts, Wise often reduces the percentage fee you pay, helping make big transfers even more cost-efficient.
- Integration With Payment Methods. You can fund transfers using a bank transfer, debit/credit card, and in some cases, even Apple Pay or Google Pay, giving more flexibility in how you pay.
All told, Wise’s combination of low, transparent fees, real-time rate visibility, fast transfer speeds, and useful multi-currency tools is why it frequently ranks among the cheapest ways to send money to Belgium for both occasional and regular transfers.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Revolut - All-in-One Digital Banking and Currency Exchange
Ranks #4 out of 7 Money Transfer Services
- + Instant transfer (for Revolut users)
- + Multi-currency wallet
- + Earning options
- + Built-in budgeting tools
- + Stock trading
- - Weekend exchange rate markup
- - Limited perks
- - No full banking features
You've probably seen Revolut’s ad on YouTube at some point. It’s one of the most talked-about fintech apps out there, and it’s definitely among the best money transfer apps to Belgium if you want a quick, flexible way to move Euros across borders.
One of Revolut’s biggest strengths is how fast and simple it makes sending money. You can top up your own account or send funds directly to a recipient in Belgium right from your phone in just a few taps, and in many cases, the transfer can arrive within minutes.
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1 Savings Vaults 2 Robo‑Advisor at 0.25%/yr 3 Stock/ETF trading |
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Table: Revolut's user experience details
Revolut also keeps things transparent with fees and exchange rates. Before you send anything, the app shows you exactly what you’ll pay and what rate you’ll get, so there are no unwanted surprises on your bank statement.
For EUR-to-EUR transfers within Europe, you might pay little to no transfer fees, especially if you’re on a paid plan with higher allowances.
Another nice thing about Revolut is the in-app tracking. Once you’ve hit send, you can follow your transfer’s progress in real time until it’s delivered to a Belgian bank account. This can give you peace of mind if you’re coordinating important payments across time zones.
And if the person you’re sending to also uses Revolut, transfers between Revolut accounts can be instant and fee-free, making it incredibly convenient for friends or family already on the platform.
Key Features
Aside from the remittance features, Revolut also comes with other useful features that make it one of the best ways to send money to Belgium. Here are some of them:
- Multi-Currency Exchange. Revolut lets you hold and convert money in dozens of currencies at competitive interbank-inspired rates, so you can prepare funds before sending them to Belgium or elsewhere.
- Budgeting & Spending Insights. The app automatically categorizes your transactions and shows visual summaries, helping you track where your money goes and stay on top of your finances.
- Vaults for Savings Goals. Create savings Vaults to set aside money for specific goals, like travel, bills, or future transfers, with optional round-ups and automated contributions.
- Investment Options. Revolut gives users the ability to buy, sell, and hold cryptocurrencies and fractional shares of stocks directly in the app, making it a one-stop finance hub beyond just banking features.
If you're looking for an all-in-one platform that also offers investment features in addition to its remittance functions, then Revolut can be a good option. Just make sure that the platform is actually available in your region.
5. Remitly - Flexible Delivery and Special First-Time Offers
Ranks #5 out of 7 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Remitly is a global money transfer service that makes it really easy to send money internationally, including to Belgium, without the usual bank hassles and hidden fees. Unlike some traditional options, Remitly lets you see the cost upfront, including the exchange rate and any fees, before you confirm the transfer, which helps you budget smarter and avoid surprises.
One thing that you might appreciate is the platform's flexibility in delivery options. You can choose to send money directly to a Belgian bank account, or pick other ways your recipient can receive funds, depending on what’s most convenient.
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Table: Remitly asset movement details
Remitly also offers both Express (sometimes within minutes) and Economy (a few business days) delivery options, so you can decide whether you want your transfer to arrive fast or keep costs lower. That’s especially useful if you’re managing unexpected expenses or planning ahead for regular support to friends or family in Belgium.
Because it’s available across many European countries and supports competitive fees with transparent pricing, Remitly is a solid pick if you want a straightforward, reliable way to transfer money to Belgium bank account or send funds to loved ones without the traditional bank stress.
Key Features
Now, what makes me think that using Remitly is one of the best ways to send money to Belgium? Take a look at some of its key features:
- On-Time Delivery Guarantee. Remitly promises your transfer will arrive by the estimated time, and if it doesn’t, you may be eligible for a refund of your transfer fee.
- Tiered Sending Limits. New users on Remitly start with lower limits, but once you verify your identity and meet compliance requirements, you can increase your sending cap, which is useful for larger remittances.
- Multiple Delivery Methods. Recipients in Belgium can receive money via direct bank deposit, cash pickup, mobile wallets, or even home delivery.
- Wide Global Reach. Remitly supports sending money to over 170 countries across multiple currencies, meaning it’s versatile, even if you’re not sending money only to Belgium.
With all of its features, I say Remitly is definitely worth considering. Just remember that once the promotional period ends, Remitly's exchange rates often include a 0.5% to 2% markup over the mid-market rate.
6. PayPal - The Trusted Standard for Secure Digital Payments
Ranks #6 out of 7 Money Transfer Services
- + Easy to use
- + Simple payment process
- + Strong security
- + Wide coverage
- + Access to crypto
- - High fees
- - Not available everywhere
- - Customer support complaints
When it comes to sending money globally, it is hard not to include PayPal in the list, and that's also true when you want to send money to Belgium. It is one of the most widely used digital payment platforms in the world, and because it works in Belgium and across Europe, it can be a convenient choice if both you and your recipient already have PayPal accounts.
The platform lets you send money almost instantly to someone’s PayPal account in Belgium. As long as they have an active account, a few taps in the app or online is all it takes, and funds typically arrive within seconds.
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Table: PayPal's asset movement details
However, it’s important to be aware of PayPal’s fee structure for international transfers. If you’re sending money across borders, for example, from outside Belgium into a Belgian PayPal account, there’s usually a nominal fee when no currency conversion is involved.
However, if you need to convert currencies as part of your transfer, additional fees and exchange rate markups may apply, and these costs can add up.
📚 Check Out: How to Withdraw Money From PayPal
PayPal’s security and ubiquity are definite plus points: it uses encryption and buyer/sender protections, and because so many people already have accounts, it’s often easier to send money without needing to gather full bank details.
That said, for larger transfers, the fees and less favorable exchange rates mean PayPal might not always be the cheapest way to transfer money to Belgium.
Key Features
While PayPal is a pretty popular service, you might not know what it has to offer. To help you with that, here are some of the key features that make it one of the best ways to send money to Belgium:
- Personal Links. Create a custom PayPal.Me link to instantly request or receive money without having to share email or bank details.
- Flexible Funding Options. For each payment, you can choose whether to pay using your PayPal balance, linked bank account, or card right at checkout.
- Mobile QR Code Payments. Scan or show QR codes in the PayPal app to pay in stores or peer-to-peer without contact, giving you a more versatile way to exchange money.
- Integration With E-Commerce Platforms. PayPal seamlessly connects with websites and shopping carts like Shopify, WooCommerce, and others, making it easy to pay or get paid online.
A household name like PayPal is a pretty safe bet for most people who want to send money internationally. Just be aware of the associated fees and plan your transfers accordingly.
7. MoneyGram - Flexible Cash Pickup and Unbanked Accessibility
Ranks #7 out of 7 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 one of the most recognisable global money transfer services, and it can be a practical option if you’re sending money to Belgium. It’s been around for decades and operates in more than 200 countries and territories, so its reach and reliability are proven.
One of the biggest benefits of MoneyGram for people who want to send money to Belgium is its speed and flexibility. You can send funds online through their site or app, or visit a physical agent near you. Then your recipient in Belgium can often receive the money within minutes, especially if you choose cash pickup or express services.
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Table: MoneyGram asset movement details
This makes MoneyGram handy if your recipient doesn’t have a bank account or prefers to receive cash directly, something not all digital-only transfer services offer. And of course, you can still send money to a Belgian bank account if that’s what you need.
On the flip side, MoneyGram’s fees and exchange-rate margins can be higher than some digital competitors, particularly for smaller transfers, so it’s worth comparing costs before you hit send.
Key Features
Depending on what you need, using MoneyGram can be one of the best ways to send money to Belgium. But don't make any hasty decisions before you know what the platform has to offer. Let's take a look at some of them:
- Multi-Channel Access. You can send money both through the MoneyGram mobile app and at physical agent locations, giving flexibility whether you prefer digital convenience or in-person service.
- Multiple Receive Methods. Recipients in Belgium can get funds in several ways, including bank deposits, mobile wallets, or even Visa debit card credits, depending on availability.
- Earning Program. MoneyGram lets users earn rewards, enjoy discounts on transfer fees, and access exclusive offers with recurring use by enrolling in a loyalty program.
- Modern Security Options. With features like secure sign-in using passkeys or PINs and strong encryption, MoneyGram enhances the safety of your account and transactions.
Overall, MoneyGram remains a solid choice when you want quick, reliable money transfers to Belgium with multiple delivery options and global availability.
How to Send Money to Belgium from the UK
The UK is a major remittance-sending country globally.[1] While they are technically neighbouring countries, there are several nuances that you need to know regarding this corridor, especially following Brexit. First of all, the UK is now a "non-EEA SEPA country". This means that banks are required to include the full physical address of the sender and the BIC/SWIFT code of the recipient bank.
Common Transfer Methods | Bank-to-bank SEPA transfers, fintech apps, and cash pickups |
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Typical Transfer Speed | Instant - 3 business days |
Fees | Banks (€0-€25+), fintech apps (£0-£4) |
Legal Transfer Limit | ✗ |
Table: Essential information for UK-Belgium money transfers
Additionally, many UK banks have reclassified Belgium as a "Zone 2" or an international destination rather than a European one. Because of that, most UK high-street banks, like Barclays or HSBC, now charge a flat fee of around £15-£25 for sending money to Belgium, even if it's in EUR.
You may also encounter intermediary bank fees. Because the UK is no longer in the EU's internal market, your money may pass through a clearing bank in a third country that clips another €15-€30 off the total before it reaches Brussels.
📚 Check Out: How to Send Money to Pakistan From the UK
I know what you're thinking. That's a lot of hoops and fees to jump through (and avoid, preferably). So, I recommend you use remittance services like Ogvio to bypass all these potential hurdles. Here is how to transfer money to a Belgian bank account using Ogvio from the UK:
There you have it! As you can see, Ogvio offers one of the easiest ways to send money to Belgium. If your recipient also has an Ogvio account, sending to them will be even easier and cheaper. You just need their Ogvio @tag, and the money will arrive in your account instantly. It is also completely free, so it is a win-win solution for both parties.
Ogvio is running an earning program where you can earn 0% transfer fees and cash rewards for inviting people to use the platform actively. So, why not invite your friends and family and enjoy the benefits?
How to Send Money from the USA to Belgium
Sending money from the USA to Belgium is relatively easy to do, considering the high level of banking compatibility between the two countries, fueled by Belgium's role as a global financial hub. The SWIFT network is actually headquartered in La Hulpe, Belgium. The "pipes" connecting US banks to Belgian ones are among the most established and efficient in the world.
Common Transfer Methods | International bank wire (SWIFT), fintech apps, and cash pickups |
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Typical Transfer Speed | Instant - 5 business days |
Fees | Bank wires ($25-$50+), fintech apps ($0-$10+) |
Legal Transfer Limit | ✗ |
Table: Essential information for US-Belgium transfers
However, there are several nuances you need to know if you're planning to send money via this corridor. First of all, as of January 1, 2026, a 1% federal excise tax applies to certain outbound transfers from the US. This tax primarily targets cash-based transfers, and most digital-only transfers are currently exempt.
On the receiving end, you should know that Belgian banks are famously strict regarding Anti-Money Laundering (AML).[2] If you transfer more than €10,000, the Belgian receiving bank will almost certainly flag it. Unlike the US, where reporting is often silent, Belgian banks may actively block the funds until you provide a Source of Wealth document.
If you want to avoid any money freezing and excessive paperwork, Ogvio is a solid solution. Users in the US can send money as cryptocurrencies to Belgium without submitting any personal documents. Here is the step-by-step guide:
To learn specific steps about how to make a new Ogvio account, you can check the "How to Send Money to Belgium from the UK" chapter above.
You can also swap your USD or EUR balance to any supported cryptocurrency using the [Sell & Buy] feature and safely store it in your Ogvio account.
Remember that crypto transfers are irreversible. Always copy-paste the wallet address rather than typing it, and send a small test amount first to verify the recipient.
Crypto transfer on Ogvio is one of the cheapest ways to send money to Belgium. There is no transfer fee, and Ogvio covers the gas fee for the transaction. So, if you're looking into how to send money to Belgium for free, then I highly recommend using this method. Especially if you're in the US.
Cheapest Ways to Send Money to Belgium
Because fees are one of the most important things to consider, it just makes sense to actively look for the cheapest way to send money to Belgium. But because there are just so many services that offer "0 fee transfer", filtering out ones that actually give you the best rate can be quite challenging.
Because of that, I will give you three of my most recommended platforms that offer the cheapest way to send money to Belgium. These are:
- Ogvio. Sending money between Ogvio users and via crypto transfers is completely free. There are fees associated with transferring funds to a Belgian bank account, but they are very competitive.
- Wise. The platform uses mid-market rates for international transfers, making it one of the most favorable platforms to send money to Belgium. Wise also offers transparent fees so you can avoid sneaky hidden fees.
- TorFX. If you're sending more than $2,000 to Belgium, TorFX is one of the best options you can choose. Its pricing model makes it a good choice for large transfers, but remember that you have to request a quote to see the actual rates.
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Table: Comparison between Ogvio, Wise, and TorFX's fees
So, in the end, the cheapest way to send money to Belgium really depends on how much you’re sending, how fast it needs to arrive, and how transparent you want the process to be. The key is knowing what to look for, and now, you’ve got a clear shortlist to help you make the right call.
Conclusions
Sending money to Belgium doesn't have to be a source of stress or a drain on your wallet. No matter what your purpose is, the digital age has given us a wealth of tools that far outperform traditional bank wires. There is Ogvio with its quick and affordable transfer methods, Wise with its mid-market exchange rates, and PayPal with its wide compatibility. The choice is yours!
But remember that fees, exchange rates, speed, and ease of use all play a role, and even small differences can add up over time. That’s why it’s worth taking a few extra minutes to compare your options before hitting send.
If you want to experience one of the best ways to send money to Belgium, check out Ogvio and start moving money with ease and at a low cost!
If there’s one takeaway from this guide, it’s this: always look beyond the headline fee. Understand how the money is delivered and make sure the service fits how you send money. Do that, and sending money to Belgium can be simple, affordable, and stress-free, exactly how it should be.
Scientific References
1. The Migration Observatory at The University of Oxford: 'Migrant Remittances to and from the UK';
2. Febelfin: 'Fight against money laundering: the key role of financial institutions'.
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