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The best way to send money to Estonia becomes a timely question when your recipient needs funds without delays. Some people support relatives who moved there for studies or work, while others manage business invoices or shared expenses with partners in Tallinn or Tartu.
That said, costs can tighten quickly during international transfers. Platforms like Ogvio keep fees to a minimum, even when you need the funds to arrive in seconds. Below, you'll find some of the best apps to send money to Estonia, based on my lengthy research on the region:
- Ogvio - Instant SEPA Transfers With Low Fees and High Limits
- Wise - Reliable for High-Value Transfers
- Western Union - Trusted Service for Cash Pickups and Agent-Based Payments
- Krak - Crypto and Fiat in One
- Xoom - Quick Bank Deposits With PayPal Familiarity
To figure out which service fits your situation, let’s go through the options available today.
1. Ogvio - Instant SEPA Transfers With Low Fees and High Limits
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)
Transferring funds to Estonia can seem predictable at first glance, since most people use the same bank routes year after year. A closer look reveals rising fees and slow settlement times, leaving very little room for convenience. That’s why the idea of a fresh platform begins to sound appealing, especially when the goal is to secure the cheapest way to send money to Estonia.
Ogvio taps into that very need. The platform bypasses long processing queues and pushes transfers at near-instant speed, even as the rest of the market relies on older systems.
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Table: Ogvio asset movement
Instant international transfers are particularly helpful for anyone who regularly sends money. There’s no more need for delays cutting into your schedule.
Part of that experience is shaped by the fact that it uses local payment rails for bank transfers, no matter where you send money from. For payments to Estonia and other Eurozone countries, Ogvio uses SEPA Instant. Not only does this route move your payments in real time, but it also enables live settlements 24/7,[1] unaffected during weekends and public holidays.
Ogvio’s speed matches its broader plan. The service connects more than 7,000 banks and wallets, including credit card networks like Visa and Mastercard. The intention is simple: keep payments flowing, even when someone relies on a specific gateway.
Besides, if you're wondering how to send money to Estonia for free, internal Ogvio transfers via @Tag and crypto transfers are always free and instant.
The table below highlights the factors that make Ogvio one of the best ways to send money to Estonia:
Security | Advanced 256-bit AES encryption, non-custodial fund storage, transaction PIN |
|---|---|
Transfer Fees | Internal transfers – free Bank transfers – depend on the corridor, but are usually low-cost Crypto transfers – free |
Transfer Speed | Internal transfers – instant Bank transfers – instant (via SEPA Instant) Crypto transfers – instant |
Supported Payment Networks | PayPal, Visa, MasterCard, Google Pay, and more |
Additional Features | ✓ Crypto support on the Base network ✓ Balance pegging to USD ✓ Ogvio @Tags for quick transfers |
Table: Ogvio at a glance
Inside the platform, funds are pegged to USD. Real value stays protected during periods of currency volatility. Since Estonia uses the Eurozone currency framework, pairing that with Ogvio’s pegged balances creates a predictable environment for anyone remitting money into the country.
As for transfer limits to Estonia, Ogvio caps it at €100,000 per transfer (but there is no limit on the number of transfers). This high ceiling makes it convenient for individuals moving large sums or solopreneurs paying their vendors.
All in all, if you're looking for one of the cheapest ways to send money to Estonia, Ogvio is the name.
2. Wise - Reliable for High-Value Transfers
Ranks #2 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 surely a well-known name for cross-border transfers, mainly because many people enjoy how quick the process can be.
People know this platform for offering competitive FX rates, starting from as low as 0.33%. Only a small upfront fee is added to cover the service, and users always know how much they will pay.
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Table: Wise's pricing
Since Estonia is part of the SEPA region, euro transfers don't incur hidden charges. The platform might shift to the Swift system when the destination bank account lies outside SEPA.
The Swift network works as a chain of banks, enabling cross-border remittance. The timeline for this method may take 1 to 5 working days. The process may include fees anywhere between €12 and €43.
A simple way to avoid extra costs is to send the funds to a fellow Wise recipient. Internal transfers tend to reach the other side almost instantly. Users who want to test the money transfer limits to Estonia have plenty of room, since Wise supports transfers of up to €10,000 by card.
Transfers above €1.2 million must come from a funded Wise balance. That step can take a while, as you need to add the source currency first before converting it to EUR.
However, cash pickup is not yet supported. People who want a service with physical collection points in Estonia will need to look for other alternatives.
Let’s round everything up:
Security | Encrypted transactions and 2FA protection |
|---|---|
Transfer Fees | Depends on the currency and destination, starting from 0.33% |
Transfer Speed | Minutes to 1 business day; card transactions may arrive within minutes |
Supported Payment Networks | Debit/credit card, bank transfers, iDEAL, Trustly, etc |
Additional Features | ✓ Multi-currency account ✓ IBAN checker ✓ Wise debit card ✓ Asset safeguarding |
Table: Wise at a glance
For users who run businesses through Estonia’s e-Residency program, Wise offers a multi-currency account with a European IBAN. After the usual KYC steps, you can open the account from any country. Once you're all set up, you can handle both personal and business transfers in one go.
Estonia regulates Wise Assets Europe AS under licence number 4.1-1/174. As of April 1, 2024, most customer funds are held in secure liquid assets, such as EU, UK, and US Government bonds and money market funds.
These bonds have an average duration of under six months, with most maturing in three months or less. Segregated accounts shield investment holdings, and the Estonian Guarantee Fund protects customers up to €2,000.
3. Western Union - Trusted Service for Cash Pickups and Agent-Based Payments
Ranks #3 out of 5 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 has a long history, dating back to the nineteenth century and tracing its evolution from telegrams to digital transfers.
A service with a long-standing track record naturally attracts users planning transfers to Estonian bank accounts or via cash pickups. Many keep this name on their shortlist as it combines a large offline network with a familiar online dashboard.
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Table: Western Union's asset movement
In Estonia, cash pickup remains one of the preferred transfer options. Recipients can walk into any of the 150 agent locations (as of writing) and collect funds almost instantly. Bank deposits generally take 1 or 2 business days, though some routes may require longer processing times due to internal reviews or local banking schedules.
Higher amounts move with more ease. Online transfers can reach up to €50,000 if you’re verified, while some pay-in methods may have a ceiling of €5,000.
Every region may set its own limits based on local rules, so you may need to check with the nearest branch to keep things clear.
User verification and safety receive visible attention on Western Union. The platform complies with PCI DSS standards, which means card information is handled under strict protocols. Each transaction is also trackable with a unique ten-digit Money Transfer Control Number, better known as the MTCN.
Both the recipient and the sender use that code to check transfer status in real time. This sense of reassurance plays an important role when the goal involves sending financial support to relatives in Estonia or handling a quick one-time transfer during a busy week.
Should you use Western Union? Let’s see:
Security | Data encryption, SSL/TLS, PCI DSS-compliant |
|---|---|
Transfer Fees | Depends on the transfer amount and payment method, but usually on the higher side |
Transfer Speed | 1-3 business days |
Supported Payment Networks | TD Bank, Royal Bank of Estonia, Scotiabank, the Estonian Imperial Bank of Commerce, etc |
Additional Features | ✓ MTCN tracking system ✓ A large network of offline agent locations |
Table: Wise at a glance
Receivers don’t have to pay any charges, as long as they stick with the same currency during payout and avoid non-standard destinations involving alternative account types. All the duties fall on the sender, including the transfer fees.
All things considered, Western Union offers one of the best ways to send money to Estonia for cash pickups and its streamlined omnichannel model. Some people may also gravitate toward the comfort of using a service their families have trusted for generations.
That said, those comparing rates across multiple platforms quickly notice that Western Union’s costs are on the higher side. This leads to a bit more planning, especially if you frequently manage regular transfers.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Krak - Crypto and Fiat in One
Ranks #4 out of 5 Money Transfer Services
- + Smooth payment flow
- + Quick fiat & crypto transfers
- + Reward earning functionality
- + Strong security features
- + Responsive customer support
- - Lacks some features for advanced traders
- - Krakback and similar rewards may be restricted in certain regions
For anyone seeking one of the best ways to send money to Estonia, you might want a platform that simplifies transfers without long forms or confusing steps. Krak fits that need quite naturally.
The proof is in the system. A sender selects the amount, picks a Kraktag or a contact, and the transfer arrives almost instantly. Estonian users benefit greatly from that speed, knowing that cross-border payments in the region can occasionally slow down due to traditional banking rails.
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1 Earn (staking) - up to 8.8% APR 2 Opt-in - up to 0.10% |
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1 Username functionality (Kraktag) 2 Proof-of-Reserves |
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Table: Krak's user experience
FYI, a Kraktag is a personal handle for receiving money. It serves as a simple workaround instead of typing long IBANs or copying sensitive bank information. By activating contact sync, you can discover friends already on the app, making it easy to split bills or send instant transfers.
Krak even introduced a debit card that works with 400+ currencies, including various types of crypto. Whether you are in Estonia or abroad, you can seamlessly make payments at 110 million Mastercard merchants worldwide. Eligible purchases earn you a small cashback reward, adding a pleasant bonus to everyday spending.
Here’s a quick summary of Krak’s main features:
Security | Backed by Kraken's Proof of Reserves |
|---|---|
Transfer Fees | Mostly free when sending in the same currency |
Transfer Speed | Typically in seconds |
Supported Payment Networks | Debit/credit card, Apple Pay, Google Pay, etc. |
Additional Features | ✓ Kraktag transfers ✓ Krak debit card ✓ Contact syncing feature ✓ Crypto support |
Table: Krak at a glance
As you can see, Krak’s same-currency transfers offer a cost-effective option for anyone sending money to Estonia. A conversion triggers a small fee, though the process still feels smoother compared with traditional bank wires.
Verification plays an important part in Krak’s money transfer limits to Estonia. Each account receives daily, monthly, and annual ceilings that determine the maximum amount in a single window.
I think Krak suits the profile of someone who frequently switches between fiat and crypto for transfers and payments. Users in Estonia, however, have certain restrictions on the digital assets they can deposit or trade, including limitations on PYUSD and XAUT. For the full list, check out the applicable rules on Krak’s website.
5. Xoom - Quick Bank Deposits With PayPal Familiarity
Ranks #5 out of 5 Money Transfer Services
- + Usually delivers in minutes
- + PayPal integration
- + Multiple payouts options
- + Extras: bill pay and mobile airtime
- - High fees and markups
- - No live chat
Xoom entered the remittance market back in 2001, and in 2015, it joined PayPal. So, if you’re a long-time PayPal user, you can immediately link your account to Xoom.
This built-in familiarity makes Xoom one of the best apps to send money to Estonia, especially when speed is a priority. Typically, a bank deposit reaches the recipient within 30 minutes including transfers to Swedbank and SEB Pank.
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Table: Xoom's asset movement
In some routes, transfers are processed within 2-3 business days. Delays might happen during compliance checks, local holidays, or system reviews. The mix of timelines depends on the funding method and the country you send from.
If you’re unsure when your money will arrive, check the scheduled date on the receipt. The timeline remains consistent across major banks. Even during busy periods, you’ll get a clear sense of predictability.
To transfer money to an Estonian bank account holder, Xoom will prompt you to enter these details:
- Recipient’s full legal name;
- Bank name;
- IBAN;
- BIC or SWIFT code;
- A phone number with the city code included;
- A mailing address (if required by the partner bank).
With the transfer requirements covered, here are some other important details about Xoom:
Security | 128-bit encryption within PayPal's compliance network, 24/7 fraud monitoring |
|---|---|
Transfer Fees | PayPal and bank transfers to Estonia are free; card fees apply |
Transfer Speed | 30 minutes to 3 business days |
Supported Payment Networks | LHV Pank, Swedbank, SEB Pank, and more |
Additional Features | ✓ Integration with PayPal ✓ PYUSD off-ramp |
Table: Xoom at a glance
That said, Xoom’s foreign exchange rates are generally less competitive compared to some alternatives. While there may be no transfer fee when using PYUSD (PayPal’s USD-pegged stablecoin), the exchange rate itself can still include a markup, which affects the final amount received. Because of this, checking the rate before confirming a transfer is the simplest way to avoid surprises.
For users in Estonia, Xoom’s functionality is currently limited. At the moment, Estonian users can only access cross-border money transfers, while features such as mobile top-ups and bill payments are not yet supported in the country.
How to Send Money to Estonia from the UK
When looking into how to send money to Estonia from UK, it helps to know that there’s no legal limit set by the UK authorities on outbound transfers. However, before making a transfer of any size, there are a few regulatory nuances to keep in mind:
- The FCA and HMRC still monitor international payments to prevent fraud or suspicious activity, so most providers ask for basic sender and recipient details before anything goes through. Once the information aligns, the payment moves through the provider’s usual flow.
- Legal limits might not get in the way, but service limits can shape your choices. Some platforms set daily or monthly caps. Ogvio, for instance, imposes a €100,000 limit per transfer across the Eurozone when sending to a bank account, but has no limits for internal transfers.
Anyone moving a large sum sometimes compares these thresholds ahead of time to find the best way to send money to Estonia. Meanwhile, many UK senders start leaning toward newer platforms, emphasizing accessibility. Ogvio introduces a user-friendly method through its @Tag system, where a username replaces lengthy bank account numbers and provides an instant, free way to transfer money.
Let’s see how to send money to Estonia from UK for free using Ogvio:
Bank deposits from the UK to Ogvio are made via the Faster Payments System with a limit of up to £1,000,000 per transaction.
You can set a transaction PIN as an extra security measure that will always be requested on the first transaction to a new recipient.
And that’s the end of the process! As I said, user-to-user transfers within Ogvio carry absolutely zero fee, so it works well when keeping costs light is part of your plan.
How to Send Money to Estonia from Germany
A popular topic among readers in Germany or the wider Eurozone is Estonian e-residency. Launched in limited form in December 2014, this digital identity helps people sign documents and access many Estonian online services.
Misconceptions appear fast, though:
- E-residency does not grant the right to live or work in Estonia or anywhere in the EU.
- It does not act as a travel document, a picture ID for everyday use, or a path to tax exile.
- Banks have no legal obligation to open accounts for e-residents who cannot show a clear business or personal link to Estonia.
Strong AML rules make financial institutions cautious, and they will ask you to explain why you need an Estonian account before they proceed.
Germany also enforces AML controls that typically kick in at transfers above €10,000, and banks will ask about the source and purpose of the funds.
Estonia has signed Avoidance of Double Taxation Agreements with 64 countries,[2] including Germany, which helps reduce the risk of paying tax twice on the same income.
Security concerns influence choices as well. A 2024 European Central Bank survey found 58% of euro area consumers were worried about privacy when making digital payments. So, what’s the best way to send money to Estonia from Germany?
Sending money from Germany to Estonia is usually straightforward and fast. Since both countries use the euro and are part of the SEPA network, transfers are often instant or completed within one business day. One of the most common options includes using online money transfer services, like Ogvio, because it can be cheaper than traditional bank transfers.
So, here's how the transfer process looks if you want to send money via a bank transfer from your Ogvio account:
If your goal is to find the easiest way to send money to Estonia, Ogvio’s bank transfer flow and SEPA Instant support make it a strong contender.
📚 Read More: Best Way to Send Money to Europe
How to Send Money to Estonia from the US
Sending money to Estonia from the United States comes with a few additional considerations that are important to understand upfront.
Starting January 1, 2026, a new US law introduces a 1% federal tax on certain international remittance transfers, but only when those transfers are funded with physical payment methods such as cash, money orders, or cashier’s checks. For example, if you send $1,000 using cash, an additional $10 tax would apply.
The purpose of this rule is to discourage cash-based transfers and push users toward more traceable, digital payment methods. The good news is that this tax does not apply if you fund your transfer electronically. Using debit cards, credit cards, bank accounts, digital wallets, or prepaid cards avoids the tax entirely.
Because of this distinction, choosing the right funding method becomes an important part of finding the best way to send money from the US to Estonia without unnecessary costs. By relying on digital or bank-based transfers, you can keep the process smooth, compliant, and free of extra tax overhead.
New-generation money transfer services like Ogvio are designed to keep things simple and predictable. It has no unexpected charges or hidden fees.
There is, however, one important nuance for users who file taxes in the United States. Features that require KYC verification on Ogvio, such as bank deposits or transfers, are currently unavailable for US-based users. However, they can still use Ogvio for actions such as card top-ups, crypto deposits and transfers, as well as user-to-user transfers, all without added friction.
That said, Americans who live and work in one of Ogvio’s fully supported countries can access the complete feature set, including bank transfers and withdrawals to bank accounts around the world.
With these details in mind, the process of how to send money from the USA to Estonia becomes much easier to understand. In the next steps, I’ll walk you through the entire flow, and you’ll see how you can reach the payout screen in just a few taps:
Opting for card payments doesn't limit your choices to credit or debit cards. The platform also allows you to link to digital wallets, local banks, or wider payment networks.
That should give you a full view of how to send money from the USA to Estonia with a simple, platform-powered route. If you don't want your digital portfolio to stay idle, Ogvio makes it easy to swap your USDC for other supported crypto on Base and hold it non-custodially.
By the way, even though you send USDC to your recipient in Estonia, they can easily cash it out from their Ogvio account to their bank account as EUR quickly and at a low cost.
Cheapest Ways to Send Money to Estonia
When you’re comparing options for the best app to send money to Estonia, cutting costs can feel like a small win. Here are some of the most economical routes you can choose:
- Ogvio. Internal Ogvio transfers and crypto transfers are completely free (it even covers network fees). As for bank transfers, the fees depend on the currency and the bank, but they are usually low-cost. By the way, Ogvio has a fair exchange rate.
- Xoom. Xoom waives its transfer fee on payments funded through PayPal or a linked bank account, under the condition that the amount meets the required threshold. Sending with PYUSD opens another low-cost lane since this method doesn’t carry the usual card-based charges.
- Krak. Krak handles same-currency transfers for free and only applies a small fee when you switch between USD and CAD.
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Bank - free Crypto - free Card - varies |
Bank - €0-3 Card - €0.25 + 3.75% |
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Table: Pricing comparison of Ogvio, Xoom, and Krak
Ultimately, the different pricing structures give you flexibility to choose what aligns with your budget and helps you zero in on the cheapest way to send money to Estonia.
📚 Read More: Best Money Transfer Services
Conclusions
Exploring the best ways to send money to Estonia gives you a stronger sense of what each provider can do, no matter where you are sending from.
A quick look at transfer fees, supported currencies, payout types, and supported corridors can save you both time and money. Once your details are entered and the summary aligns with your expectations, you can wrap up the transfer without confusion.
Ogvio stands out as one of the most straightforward ways to send money to Estonia. It combines quick sign-up, clear pricing, and fast transfer times, no matter where you send the money from.
Scientific References
1. Petrakis I., Karanikolas G., Abdou H. A.: ‘Instant Payments, Instant Access?’;
2. Dumiter F., Jimon Ș.: ‘Double Taxation Conventions in Central and Eastern European Countries’.
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