Best Way to Send Money to Europe

Ogvio is a next-generation money app that makes sending money abroad as easy as sending a message. Its biggest advantage? Instant transfers with no hidden markups. You’ll always see the exact amount your recipient will receive before hitting send.

Now, Ogvio covers 160+ countries and 40+ currencies, making it especially useful if you’re sending money to Europe from the US.

	OGVIO
Supported Countries	UK Germany France +160 more
Supported Languages	EN ID CN +6 more
Supported Fiat Currencies	USD EUR CAD +40 more
Supported Cryptocurrencies	USDC BTC ETH + 7 more
	Visit site Read review

Table: Ogvio’s global coverage list

When it comes to pricing, Ogvio aims to be the cheapest way to transfer money to Europe. Most transfers are free, and if there’s ever a small fee, it’ll be shown upfront. No hidden exchange rate markups, just clean, transparent costs every time.

One of Ogvio’s standout features is its @Tag system, which lets you send and receive money using a simple handle instead of a long bank number. It feels almost like sending your friend a DM.

But Ogvio doesn’t stop there. The app connects traditional money and crypto in one place. You’ll be able to hold or send USD and EUR, while also buying and transferring crypto like BTCthrough the Base network.

And since Ogvio is plugged into Web3, users can join in-platform reward campaigns like BitDegree’s Season 8 Airdrop, where completing easy challenges can earn you real crypto.

To enjoy the instant transfer experience using the @Tag function, the recipient needs to have an Ogvio account too.

But honestly, if you’re sending money to someone often, there’s no harm in getting them on board. It just makes everything faster for both of you with no middlemen.

Key Features

Here’s what you get when using Ogvio for cross-border transfers:

• USD and EUR pegging. Hold money in stable currencies to avoid inflation and convert only when you choose.
• Web3 gateway. Ogvio connects you to crypto and Web3 rewards without needing any advanced knowledge.

• Earning potentials. Active users can earn from referral rewards when they invite their friends.
• Security measures. Ogvio uses encryption, verification, and transparent blockchain tracking to keep transfers safe. Blockchain in remittances^[1] is already a thing, so it’s not as unusual as it sounds.
• Ogvio for businesses. Send payouts, pay freelancers, or move company funds with an Ogvio account for businesses.

Ogvio combines speed, stability, and modern tech to give you more control when you send money to Europe.

Wise is one of the most trusted names in global money transfer services, known for its transparency and real mid-market exchange rate. It’s built for people who want to move money across borders without losing a big chunk to hidden fees or inflated conversion rates.

Wise charges low, predictable fees that vary depending on how you pay and where you’re sending from. Every cost is shown before you hit send, so there are no last-minute surprises, and you see exactly what your recipient will get in their account.

	WISE
Deposit Fees	Bank - free Card - varies SWIFT - varies
Withdrawal Fees	ATM - 2 free/mo < $200; then 1.75% Bank - varies
Other Fees	Using stocks - 0.6%/yr Using Wise Interest - 0.26%/yr
Card Maintenance Fees	Free
Fee Transparency
Markup
	Visit site Read review

Table: Wise fees and pricing details

If you’re looking for the best way to send money to Europe, Wise can be a good solution. You can send EUR to any SEPA country quickly and at a fair rate. Transfers to countries outside the SEPA zone are also available, though they might cost a little more.

Wise also offers a debit card linked to your Wise multi-currency account. You can spend like a local in multiple countries, withdraw cash from ATMs, and make online payments without worrying about poor conversion rates.

To send money with Wise, you’ll just need your recipient’s full name and their bank account number (or their IBAN). If you’re unsure, Wise even offers an IBAN checker to confirm the number before you transfer.

There are a few limits to keep in mind. Wise can get slightly pricier if you choose card payments over bank transfers, especially for smaller amounts. Still, most users find the transparency worth it because you always know where every cent goes.

Key Features

Here’s what makes Wise one of the best options for sending money to Europe:

• Track exchange rates. Wise lets you monitor real-time rates and lock in the mid-market rate before transferring.
• Multi-currency account. Users can hold, convert, and manage 40+ currencies in one place, including EUR and GBP.

• Regulated and secure. Licensed in multiple countries and backed by strong security features like 2FA and device verification.
• Earning potentials. Your Wise balance can also earn yield depending on where you are. Currently, it’s 1.72% on EUR, 3.5% on GBP, and 3.88% on USD.

Wise offers a balance of transparency and convenience that traditional banks just can’t match. If your goal is to send money to Europe with full control and fair rates, it’s one of the safest picks around.

Western Union is one of the oldest names in money transfers, trusted for more than 170 years. It’s best known for its massive reach and reliability, making it ideal if you’re sending money to Europe and your recipient prefers a cash pickup.

You can send money in person, online, or through the Western Union app to 197+ countries and in 127+ fiat currencies. For cash pickups, your recipient can visit a local branch or partnered agent anywhere in Europe.

	WESTERN UNION
Supported Countries	Africa Australia Algeria +197 more
Supported Languages	EN FR DE +27 more
Supported Fiat Currencies	HKD CHF CNY +127 more
Supported Cryptocurrencies	Fiat-only
	Visit site Read review

Table: Western Union’s country coverage

If you’re wondering how to send money to Europe from USA, Western Union supports both small and large transfers, giving you flexibility whether you’re helping family or covering overseas payments.

The best way to transfer money to Europe using Western Union, you’ll need the recipient’s details: their full name, account number, account type, address, mobile number, and national ID. Providing this information upfront helps ensure a smooth and fast transfer.

Western Union can be your best way to send money to Europe if you like to plan ahead. You can schedule transfers in advance, save your frequent recipients, and even track every stage of the process in the app or website.

Still, it’s not perfect. The $0 fee doesn’t apply to credit card payments, and Western Union focuses on one thing: moving money securely and efficiently, and is built for extras like saving or investing. Whether that’s a good or bad thing is up to you and your needs.

Key Features

Western Union keeps things practical and reliable. Here’s what makes it work so well for cross-border transfers:

• Competitive rates. Western Union offers fair and transparent exchange rates for most major corridors, so your recipient gets more value.
• Flexible payment options. You can send money in person, online, or through the app, using debit cards, bank transfers, or even cash.

• Encrypted transactions. Every transfer is protected with two-factor authentication and advanced encryption for secure delivery.
• Repeat transfers. Schedule future payments or resend money to the same person easily without starting from scratch.

Western Union may not have all the flashy extras, but when it comes to dependable coverage and trust built over 170 years, it’s hard to beat.

Revolut is a digital finance app that helps you spend, save, and send money globally in multiple currencies. It’s one of the most convenient choices if you’re figuring out how to send money from Canada to Europe, for example.

Revolut combines modern banking tools with transparent pricing. When it comes to fees, the app keeps things straightforward. Local transfers (ACH) are free, while wire transfers cost $10 per transaction.

	REVOLUT
Deposit Fees	Card - up to 1.7% Bank - free
Withdrawal Fees	ATM - up to 2%
Other Fees	Unspecified
Card Maintenance Fees	Standard - free Plus - $3.99/mo Premium - $7.99/mo Metal - $14.99/mo Ultra - $45/mo
Fee Transparency
Markup
	Visit site Read review

Table: Revolut’s pricing details

Revolut also supports SEPA instant transfers up to $100,000 per transaction, and GBP outbound payments to the UK can reach $250,000 each.

Its multi-currency wallet is the real highlight. You can hold, exchange, and send over 30 currencies, including EUR and GBP, at great rates. It’s ideal for anyone who spends or sends money across Europe regularly, since you'd want to avoid constant conversions and hidden markups.

Revolut offers three plans: Standard, Plus, and Premium. Each has perks related to higher limits, cashback, or travel insurance. There are also disposable virtual cards that generate new card numbers for every online purchase, adding an extra layer of safety.

The only drawback is customer support. It’s limited to in-app chats, and some users find responses slow. Still, for flexibility, speed, and coverage, Revolut remains one of the best tools for managing your money across Europe.

Key Features

Here’s why Revolut remains one of the best choices for sending and managing money in Europe:

• Earning options. Use Savings Vaults (FDIC-insured via partner banks), a Robo-Advisor at 0.25% per year, or invest in stocks and ETFs directly.
• Various funding methods. Add money via card, ACH, SEPA, or SWIFT for fast and flexible transfers.

• Analytics and reporting. Track your spending with real-time insights, export CSV files, and view detailed merchant reports.
• Kids' and teens' accounts. Manage allowances, teach financial habits, and track spending for young users (under 18) with Revolut accounts.

If you’re looking for a modern, multi-currency app that blends banking and payments effortlessly, Revolut can easily be your best way to send money to Europe. With it, you can also control your finances in one place.

Remitly is a UK-based money transfer app that focuses entirely on fiat currencies, offering fast and secure ways to send money abroad.

Even without crypto support, it has a huge global reach and serves over 160 countries with multiple payout options, from bank deposits to cash pickups and mobile wallets.

	REMITLY
Supported Countries	Mexico Philippines India +167 more
Supported Languages	EN ES DE +12 more
Supported Fiat Currencies	AUD CAD CZK +97 more
Supported Cryptocurrencies	Fiat-only
	Visit site Read review

Table: List of Remitly's coverage

The cost of sending money anywhere in Europe depends on how much you’re sending, your payment method, and the delivery option you choose.

You can pay using a debit card, credit card, or bank account, and in some countries, you’ll even find local payment methods like mobile wallets.

A standout feature is Send Now, Pay Later, which lets you initiate a transfer even if your account balance is low. Remitly will process the transaction right away and charge your linked account later, making it handy for urgent remittances.

There’s also an earning potential angle. You can borrow up to $250 through SNPL, earn around 4% in annual rewards, and get up to $5 per month in cashback when using the Remitly Card. It’s a small but neat way to get extra value out of regular transfers.

However, note that transfers to Europe are capped at €85,000, which might limit high-value transactions.

📚 Read More: Remitly VS Western Union

Key Features

Here’s what makes Remitly a trusted name for cross-border payments:

• Guaranteed transfers. Your fees are refunded if the transfer doesn’t arrive on time.
• Customer safety. Remitly uses advanced tech and predictive tools to detect suspicious account activity early.
• Remitly Card. Access your funds easily and use your balance for everyday spending.

• Per-transaction pricing model. You only pay when you send, and there are no monthly or hidden fees.

If reliability, wide coverage, and flexible payment options matter to you, Remitly is one of the safest picks for sending money across Europe.

Xoom is a digital money transfer service owned by PayPal, making it a trusted choice for anyone learning how to send money to Europe from USA, Canada, UK, or other countries.

If you already use PayPal, Xoom feels familiar cause it’s designed for quick, secure international payments that typically arrive within minutes for mobile wallet and bank deposit transfers.

	XOOM
Mobile App	Android/iOS
App UX
Customer Support	Email Phone
Analytics & Reporting	N/A
Interest / Investment / Savings Options	1 Not offered
Extra Features	1 Mobile top-ups 2 UPI and PIX routes 3 Home delivery
	Visit site

Table: Xoom user experience details

Xoom supports 150+ countries, offering multiple send options like bank transfers, mobile wallets, cash pickups, and even home delivery in select regions.

The minimum transfer is $10, while limits go up to $60,000,000, depending on verification level and payment method. Plus, its fee calculator lets you see the exact cost before confirming your transfer.

Another handy feature is mobile top-ups, which let you send airtime or data directly to a recipient’s phone in Europe. It’s a small detail, but it saves time and can make a big difference if you’re sending funds to someone who needs immediate access.

However, Xoom supports only a handful of currencies, mainly EUR, GBP, USD, and CAD, which makes it best for major destinations like Europe, the UK, and North America.

Key Features

Here’s what makes Xoom stand out as a global remittance option:

• Upfront fees and rates. Xoom shows the exact costs before confirming your transfer. You can also use their built-in calculator to help make sure of the fees you're paying.
• Security measures. The app uses PayPal-grade data encryption and fraud monitoring to protect your money.

• Global customer support. Xoom offers accessible service with multilingual support across many regions.
• Trusted platform. Backed by PayPal’s infrastructure and reputation for safety.

If you’re in the US and want a fast, reliable way to send money to Europe or abroad, Xoom is a convenient pick since it's transparent, secure, and powered by one of the biggest names in fintech.

MoneyGram is one of the most recognized names in global remittances, operating since 1998 and trusted by millions worldwide. You can send money to Europe online, through their app, or in person at an agent location, whichever suits you best.

You can send up to $10,000 per online transfer and up to $25,000 per month for most countries in Europe. Limits can vary depending on your location and payment method, but you’ll see them clearly before confirming the transaction.

	MONEYGRAM
Minimum Deposit	N/A
Minimum Withdrawal	N/A
Transfer Limits	$5,000
Withdrawal limits	N/A
	Visit site

Table: MoneyGram transfer limits.

Fees depend on how you fund the transfer and how your recipient receives it. Paying with a debit card is usually faster but slightly more expensive, while bank account payments tend to cost less.

When sending money, you’ll need to enter your recipient’s full legal name and specify how they’ll receive the funds, and that’s whether by bank deposit or cash pickup at a nearby branch.

For most users, the MoneyGram app is the best way to send money to Europe. It’s faster than visiting a location and offers tracking, saved recipients, and mobile alerts. Plus, with a minimum transfer of just $0.01, it’s flexible even for small payments.

MoneyGram also launched MoneyGram Ramps, a feature that connects traditional transfers with crypto via the Stellar network. It supports over 170 countries, though for now it primarily uses USDC, letting you move digital assets quickly and transparently.

That said, the platform isn’t perfect. Its fee transparency is partial since it doesn’t show a full master table, though you can still use the built-in calculator to estimate costs before sending.

Key Features

Here’s what makes MoneyGram a strong contender for the best way to send money to Europe:

• Track money transfers. MoneyGram shows your transaction in real time with instant status updates.
• Competitive exchange rates. You can enjoy transparent pricing across currencies with minimal markups.

• Extra features. More than sending money, you can pay bills, send mobile top-ups, and earn loyalty discounts through MoneyGram Plus Rewards.
• Account verification security. MoneyGram has built-in ID checks, encryption, and fraud detection to keep transfers safe.

MoneyGram remains one of the most accessible and flexible money transfer services for Europe, reliable for both quick digital transfers and traditional cash pickups.