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Cyprus might be small, but life moves quickly between Nicosia’s business districts, Limassol’s waterfront, and Larnaca’s busy airport routes. Naturally, you’d expect the best way to send money to Cyprus to match that pace, too.
Honestly, what works best depends on speed and convenience. And guess what checks the box for all? Money apps. They give you faster delivery times, clearer fees, and fewer steps than traditional banks.
If you’re looking for the best app to send money to Cyprus, these platforms consistently stand out:
- Ogvio - Instant, Low-Cost Transfers for Fiat and Crypto
- Wise - Transparent Mid-Market Rate Transfers
- MoneyGram - Global Transfers with Cash Pickups
- Western Union - Time-Tested Worldwide Transfers
- Revolut - Multi-Currency Spending Made Easy
- Remitly - Simple Transfers With Economy & Express Options
- Paysend - Global Transfers with Flat, Low Fees
You’ll learn that each one has its own strengths that answer how to send money to Cyprus. So with that in mind, let’s walk through each app in detail.
1. Ogvio - Instant, Low-Cost Transfers for Fiat and Crypto
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)
Ogvio is an app that fits the bill for the best way to send money to Cyprus. The app was somewhat recently launched, and it's built for instant, fuss-free transfers, but not at the cost of high fees.
In terms of coverage, Ogvio supports 160+ countries and 40+ currencies. That includes the Eurozone, the UK, the US, and many major corridors you’re likely to use.
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| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | |
| Visit site Read review |
Table: Quick overview of Ogvio
You can transfer money to a Cyprus bank account at low fees. Everything is shown upfront, and Ogvio always locks in the best rate before the transfer. Plus, the transfer limits are pretty generous: €100,000 for the Eurozone, £1,000,000 for the UK.
Some limits vary by banks, and others have no explicit limit (for now). Either way, the limits make Ogvio great for both daily remittance and larger international transfers.
Aside from offering low fees and various limits, Ogvio also automatically converts your funds to USD or EUR. That way, you can keep more of your money’s value if your local currency is losing value.
Ogvio puts everything under one roof since it also supports crypto. You can buy, hold, and trade crypto directly inside the app. It runs on the Base network, which means lower fees, faster confirmation times, and a smoother experience overall.
You can use USDC to buy other cryptocurrencies on the Base network.
As for security, Ogvio takes the non-custodial approach for its wallets. That means your funds are entirely yours to store and manage, not a third party's. Plus, all money and its transfers are encrypted and protected.
A small but nice perk is that you can also earn from referral links. So when you join and invite friends, you can get rewards.
When it comes to limitations, well, Ogvio is still new at the time of writing (like I said earlier). That means real user reviews are limited, and a few features (like the Ogvio card) are still on the way. But so far, the rollout looks promising.
Key Features
All of the following features position Ogvio as a strong option for low-cost, instant global transfers:
- Instant transfers. Ogvio’s @tag system lets you send money instantly to anyone with an Ogvio account. Like sending a DM, it’s the easiest way to send money to Cyprus.
- No hidden fees. Ogvio covers network fees internally, and it could also be the answer to how to send money to Cyprus for free if you send to an Ogvio @tag.
- Doorway to crypto payments. Cryptocurrencies are solving what fiat currencies are lacking - an example would be issues like slow transactions.[1] Through the Base network, you can buy, hold, or trade assets inside the app.
- USD-pegged balance. Your money stays in a stable USD balance until you send it. This helps avoid sudden FX swings whenever you’re sending money, including to Cyprus.
- Blockchain security. The Ogvio wallet is secured and protected with 256-bit AES encryption and biometric authentication.
My verdict is that Ogvio is the best money transfer to Cyprus (and also the whole of Europe). It brings together instant transfer, low fees, and support for both fiat and crypto. It’s a new app, but everything checks the boxes for money transfers.
2. Wise - Transparent Mid-Market Rate Transfers
Ranks #2 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
Wise is a strong choice if you’re looking for how to send money from USA to Cyprus. Its biggest advantage has always been transparency. That means you see the exact exchange rate, fees are shown, and nothing changes once you hit send.
As for limits, Wise tends to give users higher ceilings. While it varies by payment method and currency, everything is easy to check from the Wise dashboard.
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Wire - $20,000,000/transfer SWIFT - $1,600,000/transfer |
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ATM (EEA/UK) - 2x free/mo; then €0.5 + 1.75% ATM (US) - 2x free/mo; then $1.5 + 2% |
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Table: Quick overview of Wise’s transfer limits
When it comes to actual transfers, Wise keeps things simple. You choose how you want to pay (ACH, Wire, debit card, credit card, or SWIFT), and Wise handles the conversion using the mid-market rate. Same numbers you’d see on Google, without hidden markups.
Wise supports more than 160 countries and 50+ currencies. You can send, hold, and convert money almost anywhere, including to Cyprus.
Transfer speed depends on the method you choose. Wise-to-Wise transfers are instant, local transfers arrive instantly or later the same day, and SWIFT usually takes two to five business days to complete.
For Cyprus (EU) specifically, Wise allows high transfer limits. Compared to ACH and Wire limits for USD, the SWIFT option offers up to $1,600,000 per transfer.
Wise also offers its own debit card, letting you spend globally at competitive exchange rates. It’s helpful if you travel, need to withdraw cash abroad, or want to manage everyday spending in multiple currencies.
The only real limitation is that Wise fees vary case-by-case. They depend on currency, payment method, and local transfer rules. Most of the time, Wise remains affordable, but the exact cost will differ from one transaction to another.
Key Features
Here are Wise’s standout features that could make it the best way to send money to Cyprus:
- Mid-market exchange rates. The middle rate for transfers helps you avoid inflated conversion fees and keep more of your money.
- Virtual IBANs. You can receive money like a local with Wise’s virtual account details, which support multiple currencies under one profile.
- Account protection features. Keep your account safe with Wise’s 2FA, device checks, card freeze, card controls, and strong customer authentication.
- Transaction analytics and reports. Wise offers downloadable statements, PDF receipts, and API reporting for business or personal bookkeeping.
Wise is one of the top choices for sending money to Cyprus if transparency and predictable pricing matter to you. With its mid-market exchange rates, strong security features, and high SWIFT limits, Wise is a reliable option, especially if you’re in the US.
3. MoneyGram - Global Transfers with Cash Pickups
Ranks #3 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 a great option for the best way to send money to Cyprus. Why? It’s built on decades of reliable transfers, backed by a global network that keeps things straightforward for senders and recipients.
Even though MoneyGram is one of the traditional providers, you still get strong security, dependable delivery, and reliable compliance standards, which is why many continue to choose it for cross-border payments.
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Table: MoneyGram’s security measures
MoneyGram currently supports transfers to 200 countries and territories, with more than 90 fiat currencies available. Transfer speed varies based on the payment and delivery method, which is pretty standard, like other money transfer apps.
When you transfer money to a Cyprus bank account, the process works much like its other corridors. You choose the payment method, enter the recipient's details, and decide whether the delivery should be a bank deposit or cash pickup.
For cash pickups, the recipient can do it through MoneyGram’s network of banks, like Nova Bank, Near East Bank, AK Finans, and more.
MoneyGram also includes a crypto feature through MoneyGram Ramps. It runs on the Stellar network, and you can buy or cash out supported crypto (available at MoneyGram’s physical locations).
The minimum and maximum transfer amounts at MoneyGram stay on the lower end. The minimum transfer amount is $0.01, while the limit is $5,000. And the same goes for the money transfer limit to Cyprus.
MoneyGram’s main focus is on sending money, so it doesn’t offer features like investment tools, savings features, or other services that you might find in modern fintech apps.
Key Features
Here are the main features that make MoneyGram a solid choice for day-to-day transfers:
- Send cash quickly. MoneyGram allows fast cash pick-ups in many corridors, with transfers arriving in hours (depending on the destination).
- Reliable transfers. With decades of experience, MoneyGram has a strong reputation for being a safe and dependable platform.
- Convenient app. MoneyGram's mobile app lets you send money, track transfers in real time, and even top up your account.
- Rewards and loyalty discounts. The rewards include discounts and perks for loyal users, which can help you save more over time.
MoneyGram is a good fit if you want a well-known service with strong security. While the limits and features are more basic, MoneyGram is still reliable for small transfers, cash pickups, and crypto cash-outs.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Western Union - Time-Tested Worldwide Transfers
Ranks #4 out of 7 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Western Union is one of those services that has seen it all. It’s been moving money across borders long before smartphones, online banking, or modern financial systems existed. That staying power is part of what makes Western Union a reliable choice to this day.
As one of the long-standing money transfer services, Western Union's coverage is one of its strengths. It has access to hundreds of countries and territories, and with almost as many supported currencies.
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Africa
Australia
Algeria+197 more |
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EN FR DE +27 more |
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HKD
CHF
CNY+127 more |
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Fiat-only |
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Table: Western Union’s global coverage
Paying for your transfer is flexible, too. You can use your bank details, pay with cash at an agent location, or use a debit or credit card. Before finalizing everything, Western Union lets you estimate your total cost using its price estimator.
For example, if you’re sending from the US, you can quickly estimate the USD to EUR exchange rate and see the fees before committing.
When it comes to receiving money in Cyprus, you can transfer money to a Cyprus bank account only, as cash pickup isn’t available for this corridor.
Security is another key strength. Western Union uses encryption, identity checks, and fraud monitoring to help keep both your data and transfers safe. Even after centuries in the industry, it still keeps up with today’s fintech security standards.
Transfer limits to the Eurozone are set at €5,000. But Western Union offers a few perks along the way, like transfer fee discounts (if you’re eligible) and redeemable loyalty points through its rewards program.
On the downside, Western Union’s exchange rate markup can make transfers more expensive compared to others. Some accounts can also face over-limit fees if they’re not careful.
Key Features
Now let’s take a look at Western Union’s key features and why it could be the best way to send money to Cyprus:
- Quick registration process. You can set up an account fast and send your first transfer once the onboarding’s done.
- Track your transfers. With the MBTN tracker, you can follow your money in real time, so you always know how long until your recipient’s received the money.
- Large fiat currency support. Western Union supports a wide range of currencies, making it easy to send to almost any country you need.
- Beginner-friendly app. The app keeps things straightforward with simple forms, clear fees, and helpful tools.
Western Union is a dependable, globally recognized service that still holds up in today’s digital world. If you put aside and don’t mind the exchange rate markups, this platform is ideal for anyone who prefers a familiar and reputable brand.
5. Revolut - Multi-Currency Spending Made Easy
Ranks #5 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
Revolut is a modern money app best for people who often move between currencies, whether to send to others or spend. With its wide set of tools, Revolut feels more like a digital financial hub than a simple transfer app.
A Revolut account gives you access to multi-currency balances, international transfers, budgeting tools, and card payments. Basically, it has everything you need, from sending and receiving to managing money, all in the app.
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Table: Revolut’s details and info on accounts
When it comes to transaction fees, Revolut is fairly straightforward. Local transfers with ACH are free, while domestic wire transfers cost $10 per transfer. International costs depend on your plan and the transfer route.
Revolut offers five paid plans, with prices ranging from £3.99/month to £55/month. Some plans are relatively on the higher side, but they come with discounts for transfers, lower FX fees, travel benefits, and fewer charges for day-to-day transactions.
Some plans also include airport lounge access and other perks that make Revolut feel more like a full-on membership than just a banking app.
The Revolut card is another useful piece of the service. You can use it for everyday spending at home or abroad, and you can also make withdrawals at ATMs (for select branches).
Revolut sets a flat minimum of $10 for deposits, withdrawals, and transfers. For sending money to Cyprus, the SEPA transfer limit is $100,000 per transfer (suitable for both personal and business use).
For limitations, Revolut does apply a 1% weekend exchange fee when exchanging currencies outside market hours. This makes transfers slightly more expensive if you’re sending money on Saturday or Sunday.
Key Features
Here are some of the features I found that make Revolut a practical multi-currency app:
- Per-transaction fee model. Aside from the paid plans, Revolut keeps charges simple with fees applied only per transaction.
- Cash withdrawal option. You can withdraw cash using your Revolut card, with a daily limit of $3,000.
- Fraud and AML prevention. Beyond standard KYC checks, Revolut includes sanctions screening, transaction monitoring, and authentication tools.
- Savings and investment options. Revolut allows you to earn interest on savings, buy crypto or stocks (depending on your region), and build small investments.
Revolut is a strong choice if you want an app that handles far more than simple transfers. The weekend FX markup is worth noting, but regardless, Revolut is ideal for frequent travelers or to answer how to send money to Cyprus from UK (since the app is UK-based).
6. Remitly - Simple Transfers With Economy & Express Options
Ranks #6 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 another great app to answer how to send money to Cyprus from the US, the UK, or other major corridors. It’s known for its straightforward interface, fast delivery options, and strong emphasis on reliability, at least from what I’ve seen.
Remitly has wide global coverage, supporting more than 170 countries and 97+ currencies. The money transfer limit to Cyprus using Remitly is €85,000.
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Mexico
Philippines
India+167 more |
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EN ES DE +12 more |
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AUD
CAD
CZK+97 more |
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Fiat-only |
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Table: Remitly’s global coverage
One of Remitly’s highlights is its two transfer options: Economy and Express. Economy is the cheaper option, great when you don’t mind waiting a little longer for the transfer to arrive. On the other hand, Express is faster but more expensive for quick delivery.
While the end numbers depend on various things, the ballpark for Economy transfers starts at $3.99, and Express is at $5.99.
For transfer to Cyprus, you can choose cash pickup, bank deposit, or debit card deposit. Remitly partners with trusted institutions in Cyprus, such as Bank of Cyprus, Hellenic Bank, Universal Bank, and a few more.
Remitly also appeals to users by offering delivery time guarantees. That means they’ll refund your money if the transfer is late or delayed.
On the limitation side, Remitly adds an exchange rate markup, which can make your transfers more expensive. It’s also a fiat-only service, so there are no options to use crypto.
Key Features
Now, let's take at the features that make Remitly one of the worthy choices to send money to Cyprus:
- Multi-currency wallet. You can hold and manage multiple currencies in one place. If you don’t plan on making transfers soon, you can save it for later.
- Send now, pay later feature. You can pay later using eligible payment methods, making it great if you need emergency transfers to Cyprus.
- Safe and secure transfers. Remitly uses encryption, identity verification, and fraud monitoring for user protection.
- Rewards for users. You can earn 4% in annual rewards and collect up to $5 per month in cashback, which are great rewards for active users.
Remitly is another strong choice thanks to its Economy and Express options, trusted payout partners in Cyprus, and a user-friendly setup. It’s well-suited for anyone who prefers clear and dependable way to send money to Cyprus.
7. Paysend - Global Transfers with Flat, Low Fees
Ranks #7 out of 7 Money Transfer Services
- + Large number of receiving countries available (170+)
- + Responsive 24/7 support
- + Fixed fee upfront
- + Various payout methods
- - Countries you can send money from are limited
- - Occasional transfer delays
PaySend is a no-frills option for sending money internationally, and it works especially well if you want predictable pricing. It delivers money in EUR and sends it directly to bank accounts.
For Cyprus, PaySend supports both SEPA and SWIFT routes. It also comes with reasonable transfer limits that vary by currency and region, but are easy to check inside the app before making the transfer.
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Specific limits based on account tier |
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ATM - £1000/mo or €1200/mo |
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Table: PaySend transfer limit details
The fee structure is one of PaySend’s main selling points. Sending money to a bank card costs a flat €1.50 per transfer, while SEPA transfers carry a €10 fee. This fixed-fee approach helps you know exactly what you’ll pay without the guesswork.
Transfer speeds range from instant to three business days, depending on the payment method, receiving bank, and network load. PaySend also offers a wide global reach, covering 167+ countries and 177+ currencies.
PaySend offers its own prepaid card. It works for everyday spending and online purchases, and comes with a card issuance fee of £4.99 or €5.99.
For limitations, PaySend’s plastic card has maintenance costs, and card payments in foreign currencies come with a 2% fee. Plus, while the platform covers 167+ sending countries, only 50+ countries are supported for receiving money.
Key Features
Here’s the list of features that make PaySend a convenient option for cross-border transfers:
- Fixed transfer fee. PaySend uses a flat-fee model, letting you send money internationally without worrying about unexpected charges.
- Earning option. You can earn €1.50 from up to 12 transfers, which can add small savings over time.
- Bank-level security. PaySend’s transfers are certified by Visa, Mastercard, the FCA, and are PCI DSS certified.
- Global 24/7 support. Customer support is available around the clock, helping you resolve transfer questions no matter your time zone.
Regardless of the card fees and receiving-country limitations, PaySend is still a budget-friendly and one of the easiest ways to send money to Cyprus.
How to Send Money from the UK to Cyprus
Sending money from the UK to Cyprus is generally straightforward. It still falls under the cross-border transfer rules, so that means your provider might run extra verification checks or ask for specific details before the transfer.
All of this is normal and fully legal, but it can slow things down if you’re not using the right app. Some providers also add small fees here and there before you can actually make the first transfer.
These aren’t actually deal-breakers, but they do make a simple payment feel more complicated than it needs to be.
This is what Ogvio is solving. The team built it to simplify international payments, reducing friction wherever possible. Aside from the instant transfers, Ogvio also covers all network fees, so you don’t need to worry about extra charges.
Note that these steps are similar for most corridors, not just from the UK to Cyprus. Just review any fee differences or rules tied to your specific route.
With that in mind, here’s how to send money to Cyprus from the UK:
![Best way to send money to Cyprus: Ogvio main page highlighting the [Add Money] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-cyprus-ogvio-main-page-highlighting-add-money-button.jpg "Best way to send money to Cyprus: Ogvio main page highlighting the [Add Money] button.")
![Best way to send money to Cyprus: Ogvio add money page highlighting the [Bank Transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-cyprus-ogvio-add-money-highlighting-bank-transfer.jpg "Best way to send money to Cyprus: Ogvio add money page highlighting the [Bank Transfer] option.")
![Best way to send money to Cyprus: Ogvio add recipient highlighting the [Bank Transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-cyprus-ogvio-add-recipient-highlighting-bank-transfer.jpg "Best way to send money to Cyprus: Ogvio add recipient highlighting the [Bank Transfer] option.")
Aside from making cross-border transfers easy,[2] SEPA transfers are the best way to send money to Cyprus since they support fast, low-cost payments across the Eurozone. It’s both reliable and affordable for GBP-to-EUR transfers.
How to Send Money from the US to Cyprus
Solving how to send money from USA to Cyprus can be tricky because most money apps require you to pass KYC before you can make full transfers. If you can’t complete KYC, many features stay locked (some don’t even allow you to send money).
That’s where the crypto route helps. You don’t need KYC to use crypto on Ogvio, making the transfer easier. Once you make a crypto deposit and it lands in your Ogvio balance, you can convert it to EUR and send money to Cyprus right away.
On Ogvio, KYC is only needed when you want to use bank deposits or bank withdrawals.
With that out of the way, here’s how to send money from the US to Cyprus using Ogvio’s crypto route:
Check the previous chapter for the complete sign-up process, then pass the KYC. If you can’t pass the KYC, that’s okay, we’re using the crypto route anyway.
![Best way to send money to Cyprus: Ogvio add money page highlighting the [Crypto Transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-cyprus-ogvio-add-money-crypto-transfer-option.jpg "Best way to send money to Cyprus: Ogvio add money page highlighting the [Crypto Transfer] option.")
The last step is about reviewing the overall transfer. Once sent, the money will be in your recipient’s account instantly.
Cheapest Way to Send Money to Cyprus
Cost matters, especially if you send money often or in larger amounts. That’s why, I believe, it’s worth learning the cheapest way to send money to Cyprus. The good news is that Cyprus has pretty straightforward transfer rules, and most money transfer services allow fairly high limits.
You’ve already seen some of the best money transfer to Cyprus for this corridor, so now the next step is figuring out which ones help you save the most on fees and rates:
- Ogvio. One of the cheapest ways to send money to Cyprus thanks to its low fees, transparent rates, and free transfers between Ogvio users (only a @tag needed).
- Wise. Known for its mid-market exchange rate, which removes hidden markups and keeps the final cost predictable.
- PaySend. Uses a flat fee, perfect if you prefer a platform that doesn’t keep you guessing on which rates or charges you’ll end up paying.
All three options can work when you want to keep costs as low as possible (and not at the price of convenience). Ogvio is the closest answer to how to send money to Cyprus for free, thanks to its instant Ogvio-to-Ogvio transfers, and Wise is ideal when the exchange rate matters.
Last but not least, PaySend shines when you want simple, predictable, flat-fee pricing. It all depends on how you prefer to move your money.
📚 Read More: Money Transfer Service Comparison
Conclusions
Looking at everything together, the best way to send money to Cyprus is by using one of the money apps listed in this article. You get faster transfer times, transparent pricing, and far fewer steps than you’d deal with through a traditional bank.
As for the best app to send money to Cyprus, it’s technically a tie between Ogvio and Wise. But between you and me, Ogvio wins because it gives you instant transfers. And it basically answers how to send money to Cyprus for free if you’re sending to another Ogvio account.
Get started with Ogvio now and make your first transfer to Cyprus in minutes. And if you invite a friend, you’ll earn extra referral rewards too!
Scientific References
1. Hamukuaya H.: ‘The Development of Cryptocurrencies as a Payment Method in South Africa’;
2. Bolt W., Humphrey D.: ‘Payment Network Scale Economies, SEPA, and Cash Replacement’.
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