Stop overpaying - start transferring money with Ogvio. Join the waitlist & grab early Rewards NOW! 🎁
Sending money to Europe shouldn’t feel like you’re losing half of it in the process. Yet, that’s often the biggest challenge: hidden markups, slow transfers, and platforms that charge more than they should. That’s why money apps are stepping up - everyone’s racing to offer the best way to send money to Europe, cutting out middlemen and finding smarter ways to move funds.
Some are even blending traditional transfers with Web3.
Once you’re in Web3, you can tap into real earning opportunities like BitDegree’s Season 8 Airdrop, where users earn crypto for completing simple tasks. Sending money could soon be more than a transaction; it might actually pay you back.
Here’s a look at the top platforms worth your attention right now:
- Ogvio - Instant Transfer With No Hidden Markups
- Wise - Real Mid-Market Exchange Rates
- Western Union - Worldwide Coverage and Cash Pickup Flexibility
- Revolut - A Multi-Currency Wallet Built for European Spending
- Remitly - Fast EUR Transfers With Flexible Payment Options
- Xoom - A Convenient Option for Existing PayPal Users
- MoneyGram - Flexible Delivery Options for Bank or Cash Transfers
Let’s break them down so you can choose the one that fits your needs.
1. Ogvio - Instant Transfer With No Hidden Markups
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 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.
When it's launched, Ogvio will cover 160+ countries and 40+ currencies, making it especially useful if you’re sending money to Europe from the US.
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US
Germany
France+160 more |
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EN ID CN +6 more |
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USD
EUR
CAD+40 more |
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USDCEURC 
BONK+ 300 more |
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| 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 BTC, ETH, or SHIB through 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.
Ogvio will also offer a debit card, letting you spend your balance in multiple currencies. This makes the app a convenient option for travelers or those who want to save on the currency conversion fees.
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. It isn’t live just yet, but you can join the waitlist now and be one of the first to try it once it launches.
2. Wise - Real Mid-Market Exchange Rates
Ranks #2 out of 7 Money Transfer Services
- + Mid-market exchange rates
- + Transparent fee structure
- + Fast transfer speeds
- + Industry-leading security
- + Easy access to services
- - No cash pickup options
- - Not ideal for very small transfers
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.
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Bank - free Card - varies SWIFT - varies |
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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.
For anyone moving money between the US and Europe, the Wise card is a game-changer for keeping costs low and avoiding international fees.
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.
3. Western Union - Worldwide Coverage and Cash Pickup Flexibility
Ranks #3 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 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.
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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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| 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.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Revolut - A Multi-Currency Wallet Built for European Spending
Ranks #4 out of 7 Money Transfer Services
- + Wide global coverage
- + Multi-currency support
- + Savings interest options
- + Built-in budgeting tools
- + 24/7 multilingual in-app support
- - Limited website features
- - Advanced features behind higher-tier plans
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.
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Card - up to 1.7% Bank - free |
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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.
5. Remitly - Fast EUR Transfers With Flexible Payment Options
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 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.
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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: 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.
For first-time users figuring out how to send money to Europe from the USA, Remitly often offers promotional rates, like an exchange rate starting at $1 for new customers.
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.
6. Xoom - A Convenient Option for Existing PayPal Users
Ranks #6 out of 7 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 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.
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1 Not offered |
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1 Mobile top-ups 2 UPI and PIX routes 3 Home delivery |
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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.
7. MoneyGram - Flexible Delivery Options for Bank or Cash Transfers
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 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.
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$5,000 |
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N/A |
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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.
Getting started is straightforward. You can sign up, verify your identity, and begin sending money within minutes.
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.
Comparing the Best Apps to Send Money to Europe
There’s no shortage of money transfer apps out there, but only a few get the balance right between speed, transparency, and cost. I compared the top three from the list: Ogvio, Wise, and Western Union.
Each offering its own approach to fast, low-cost, and secure transfers, and one of them might just be your best way to send money to Europe. Here’s how the top three apps stack side by side:
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| Per-transaction | Per-transaction | Per-transaction | |
| A global money transfer service with an additional volatile currency rate pegging to USD and EUR feature. | A transparent money transfer service that uses the mid-market rate and shows fees upfront. | A global service trusted for decades for sending money digitally or in person, though often pricier than newer alternatives. | |
| Visit site Read review | Visit site | Visit site Read review |
Table: Comparing the best apps to send money to Europe
When it comes down to it, Ogvio stands out for its innovation and super-low fees powered by crypto and blockchain technology. The integration between banking and cryptocurrencies is where some say the future of finance will rest.[2]
Wise remains a solid pick if you care most about fair mid-market rates and transparent pricing, while Western Union wins in coverage and reliability, especially for users who prefer cash pickups.
How to Choose the Best Way to Send Money to Europe
Choosing the best way to send money to Europe depends on cost, speed, and convenience. If you’re after the cheapest way to transfer money to Europe, focus on how each app handles fees, exchange rates, and security. Here’s what to look for before making your pick:
- Exchange rate transparency. Always check if the app shows the real exchange rate. Ogvio and Wise are upfront about rates, while others may hide small markups.
- Overall cost structure. The cheapest way to transfer money to Europe often depends on how you pay and how your recipient receives the funds. Bank transfers and debit card payments usually cost less than credit cards or cash pickups.
- Security standards. Look for platforms that use encryption, multi-factor authentication, and fraud prevention systems. If you’re unsure about newer tech like blockchain, know that it’s becoming more common in remittance apps for transparency and safety.
- SEPA VS SWIFT. SEPA payments are ideal for sending money within Europe since they’re faster and often free. For transfers from outside the region, SWIFT is more universal but can take longer and cost a bit more.
- User experience. The best apps make transfers simple, whether through a few taps on a mobile app or automated scheduling options. Tools like user tags or saved contacts can make repeat transfers effortless.
- Value-added features. Some money apps offer tools to track spending, hold multiple currencies, or even earn rewards on balances. Choosing one with these extras can make your money go further.
Pick a platform that fits your habits. If cost and transparency are your priorities, look for one that clearly shows all fees. If convenience matters more, go for an app that simplifies transfers and gives you added flexibility.
How to Send Money to Europe Using Ogvio
Sending money with most apps follows the same steps. You sign up, add your payment method, enter your recipient’s info, and confirm. The problem is, transfers often get delayed or lose value to hidden fees.
That’s why I’m using Ogvio as the example. It makes the process feel like sending a DM. With its @Tag feature, you skip the long account details and send money instantly.
And that’s all you need. A few taps, instant delivery, and zero hidden costs, making Ogvio the best way to send money to Europe.
Conclusions
When it comes down to it, the best way to send money to Europe is to use modern money apps built for speed, transparency, and low fees.
Each platform covered here offers something unique. Ogvio offers instant transfers and even a bridge to crypto. Wise keeps things simple with real exchange rates, while Western Union remains the trusted choice for cash pickups and global reach.
If I had to pick one, Ogvio clearly leads the new wave of money apps. It’s turning what used to take days and come with hidden fees into instant, transparent, user-first transfers.
Join Ogvio’s waitlist today to experience what next-gen money transfers will look like. It’s also the right gateway to Web3, giving you access to opportunities like BitDegree’s Season 8 Airdrop to earn crypto rewards.
Scientific References
1. Christodoulou I., Rizomyliotis I., Konstantoulaki K., Do B.: ‘Transforming the remittance industry: harnessing the power of blockchain technology’;
2. Sachitha A.: ‘Cryptocurrency And E-Banking: Securing The Future Of Digital Finance’.
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