Best Way to Send Money to France

For the cheapest way to send money to France, nothing beats a Jet2 Holiday… I mean, Ogvio! It’s still in development, but this newcomer aims to push the boundaries for low transfer rates in the market.

But do lower rates mean slower fund delivery? Not in the case of Ogvio! Unlike traditional bank settlements that take days to process, this cross-remittance service will deliver your transfers in seconds. So, when you ask your family or friend if the money has arrived, “Oui!” will be the first answer you hear.

	OGVIO
Funding Methods	Card Apple Pay Google Pay Bank transfer
Delivery Methods	Bank deposit Card Google Pay Apple Pay
Supported Networks	Base
Transaction Speed	| | | | | Long Average Very Quick
Bulk Payments
Scheduled Payments
	Visit site Read review

Table: Ogvio's asset movement

Its system will automatically peg your holdings to EUR (or USD - your choice), so there’s no need for mind-bending conversions. Aside from serving the locals, Ogvio will also become a convenient solution for travelers, migrant workers, international students, and business owners.

Even the crypto bros (or sisters) in France aren’t left behind. The platform plans to support any crypto on the Base Network, from BTC and BONK to other assets that fit your portfolio strategy. Transferring funds will be as easy as mentioning someone on WhatsApp, as you just have to @Tag them (if they have an Ogvio account).

And if it’s your time navigating how to send money to France online, rest assured, Ogvio will make the onboarding process smooth and stress-free.

Since there’s no reliance on intermediaries, you can expect zero downtime. For daily spending, payroll processing, and bill settling, your holdings will always be ready.

So, will Ogvio set a new standard for the best way to send money to France? Here’s a breakdown for a clearer picture:

Table: Ogvio's feature breakdown

As you can see, more premium features will be on the horizon. So, if you join the waitlist today, you’ll be among the first to benefit as Ogvio evolves.

By registering yourself for the waitlist, you’ve made yourself eligible to join the BitDegree Season 8 Airdrop, with a prize pool of $15,000 to share.

If you’re looking for one of the cheapest ways to send money to France, you might want to go with a provider that offers low FX rates. Revolut happens to be one of them.

Last time I checked, you can save quite a bit of money when you're performing a transfer from the UK to France using Revolut. To check the estimation, you can try out the calculator on the website.

	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

Table: Revolut's pricing

But Revolut is bigger than just for simple money transfers. In France and the broader EEA, Revolut is fully licensed as a bank. Anyone, from professionals to teens aged 16-17, can set up an account. Users can enjoy practical functionality with extra perks like cashback and interest thrown in.

Revolut is especially popular among digital nomads and freelancers in France. Simply send a payment link, and clients can settle invoices instantly without needing bank details. Internal Revolut transfers also cost zero euros, no matter where in the world the money goes.

For international students in France in survival mode, Revolut’s budget planner keeps every euro in check. It’s a handy tool when you’re trying to stretch your budget through the month and still find room for a croissant or two.

Businesses also get their share of croissants, or in this case, features. Revolut lets you manage treasury across 34+ FX markets, including EUR and GBP, and effortlessly cover team expenses with a single business card.

Unfortunately, Revolut isn’t available everywhere. For example, you can’t send money to France from Canada. In that case, you have to turn to alternatives.

📚 Read More: Revolut Alternatives

At the end of the day, if you’re still considering using Revolut, the table below might help you make a nudge:

Table: Revolut's feature breakdown

Revolut is ideal for anyone looking for an all-in-one financial management suite, not only for sending money. A free plan is available, but those who regularly handle remittances might want to upgrade to a premium plan for higher limits and reduced fees, starting at €3.99/month.

Whether you’re in Paris, Bagnolet, or Sarcelles, you’ll likely find a Western Union branch near you. As one of the oldest global financial service firms, WU made its way to France in the early 2000s.

Western Union made strides with its La Banque Postale partnership. Combined with its in-house offerings, the collaboration simplifies online and offline cross-border remittances for individuals, businesses, and families in France.

	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 coverage

And wherever you are, even if you send money from the UK to France, WU helps you reach the farthest corners of the country, including remote and less-banked areas. That’s what makes Western Union particularly useful if you or your loved ones don’t own bank accounts.

WU is especially renowned for its cash pickup solutions. Its retail integration with one of the largest international postal networks gives users the flexibility to choose where to collect their funds.

However, you can’t exactly take Western Union transfer fees for granted. The company’s long-standing presence in the industry doesn’t come easily, which explains its relatively higher service costs.

But there’s a cheat sheet. First-time users can take advantage of free digital transfers. The only exception is when you pay in cash, as there’s an administrative fee of 12 EUR.

If you stick with the offline method, Western Union’s customer service quality depends on the branch location you visit. Most outlets in France receive an average rating of 4 out of 5 stars on Google, but some locations score as low as 2 stars.

Taking everything into consideration, the table below should give you a clear summary of WU’s pros and cons:

Table: Western Union's feature breakdown

Western Union paves the way for inclusive money transfers, though fees and location-dependent customer service remain factors to consider.

One of the best ways to send money to France, and if not the wisest, is using a remittance solution that complies with regional regulations. And fittingly enough, the app that lives up to that standard is called Wise.

Wise holds EEA-wide approval from the Bank of Belgium and the Estonian Supervision Authority. More than 14.8 million individual and corporate clients worldwide use Wise to move approximately €36 billion per quarter.

	WISE
Supported Countries	US Canada Germany +160 more
Supported Languages	EN DE FR +15 more
Supported Fiat Currencies	USD CAD EUR +40 more
Supported Cryptocurrencies	Fiat-only
	Visit site

Table: Wise's coverage

Sending money, no matter how little or large, becomes more efficient since Wise partners with a diverse roster of local and global payment options. If you send money from the USA to France, for instance, Wise supports ACH payments via Bank of America, Wells Fargo, and Chase.

Flexibility also extends to the account level. Locals holding EUR balances on Wise can earn up to 0.8% APR by activating the interest feature. Travelers in France can use the multi-currency debit card to save on spending.

Anyone doing business in France has also likely heard of Wise. Its dedicated enterprise account makes it easy for companies to manage payroll, investments, and transactions in 22 currencies, including EUR, GBP, and DKK.

As you can assume, though, the downside of Wise is that it mainly focuses on major currencies. Users in fragmented markets like Africa often have to wrestle with limited options, which is significant considering that 2% of the EU population consists of African migrants who regularly send remittances.

Although Wise offers near 1:1 FX rates, fees can add up. Americans and Australians sending money to France usually pay account transfer fees only. Meanwhile, Indonesians have to cover bank transfer charges, internal fees, and VAT.

Even so, Wise remains a compelling choice for the reasons below:

Table: Wise's feature breakdown

Overall, with Wise, it’s better to proceed with a larger transfer at once to get discounted fees. This strategy can work well for major expenses, such as buying property or paying education fees in France.

MoneyGram keeps its proposition simple:

Send money to France your way - with low fees and great exchange rates.

MoneyGram keeps its foreign exchange rates on par with real-time market movements. When you send money from the USA to France, for instance, you get 1:1 USD-EUR conversions without hidden spreads or inflated margins.

	MONEYGRAM
Deposit Fees	N/A
Withdrawal Fees	N/A
Other Fees	Conversion fee - varies
Card Maintenance Fees	No card
Fee Transparency
Markup
	Visit site

Table: MoneyGram's pricing

Some users prefer the simplicity of online transfer corridors. Others feel more confident when they can complete transactions face-to-face. MoneyGram lets you choose between both.

In general, though, MoneyGram supports bank account transfers, debit/credit cards, and digital wallets.

In-person cash withdrawals are also accessible at around 401,000 locations worldwide. Uniquely, your recipient can even pick up their money at partner locations like the supermarket Carrefour.

Fees are highly dependent on the location. I tried to send money to France online from the UK, and as a first-timer, I didn’t have to pay a dime. However, a friend of mine initiated a transfer from the US to France, which incurred her $5.49.

Loyal MoneyGram users can also earn Plus Rewards. The benefits include a 20% discount for newcomers and special member-only promotions, among others.

Now, should you give MoneyGram a go? Let’s have a final look:

Table: MoneyGram's feature breakdown

MoneyGram actually offers a lot more to explore. Unfortunately, most of them aren’t yet available to customers in France, where the service primarily serves as a straightforward remittance solution.

On the outside, Remitly seems like a simple money transfer solution. Once you look past the exterior, you’ll find a vast global network that supports fast transfers across thousands of payment corridors.

Remitly’s coverage extends to 170+ countries, opening a path for anyone looking to send money from Canada to France or elsewhere.

	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: Remitly's coverage

In France alone, Remitly works with BNP Paribas, Ria Money Transfer, Crédit Agricole, La Banque Postale, and more. Cash pickups and debit card deposits are available, but if you want to avoid deposit fees altogether, you can choose direct bank transfers instead.

Remitly is quite upfront about its fees. Before you hit [Send], the app will clearly show how much you’ll pay, and its cost structure is far from complex. Most of the time, the fee mainly revolves around the method you go with. For example, choosing a cash pickup will add a $2.99 fee to cover service processing.

Reading through customer reviews, Remitly holds an impressive rating of 4.5 stars. Most people appreciate the delivery time guarantee and the secure transfer process. If Remitly misses the promised delivery window, the platform will refund your transfer fees, so you won’t lose a dime due to a delay you didn’t cause.

And while Remitly offers assurance when tracking online transfers, I wouldn’t say that the same level of convenience carries over to the offline experience. There’s no tracking code to monitor where your transfer is heading, so the only surefire way to know is when your recipient gets a text message notification of cash arrival.

That about wraps up the highs and lows of Remitly. For a quick look at other factors to weigh in, check the table below:

Table: Remitly's feature breakdown

Remitly is a good option if you’re looking for one of the best ways to send money to France with no frills. Although it offers cash pickup, it’s not exactly the platform’s strongest offering.

Most users have likely heard of PayPal, especially French users who frequently make online purchases. This time, let’s zoom in on Xoom, which is a PayPal service. Uniquely, Xoom mainly specializes in international remittances.

PayPal also lets you send money worldwide, but its fee structure can be lengthy, tedious, and complex. Xoom cuts through all that, taking a small margin from FX rates and adding only the necessary processing fees.

	XOOM
Deposit Fees	N/A
Withdrawal Fees	N/A
Other Fees	Conversion fee - varies
Card Maintenance Fees	No card
Fee Transparency
Markup
	Visit site

Table: Xoom's pricing

As a result, Xoom charges above mid-market FX rates. For instance, if you send 20 USD, the recipient will receive 15.10 EUR. At a live market rate, they should actually receive 17.2 EUR (as of writing). The gap widens with large transfers, so the more you send, the more you end up losing to conversion spreads.

Despite that, Xoom still obtains a strong rating of 4.7 stars from users. As expected, many people wish for more competitive exchange rates, but they keep returning for Xoom’s speed and reliability. After all, having a transfer that’s drama-free and constantly on time matters just as much as saving a few extra dollars.

Plus, if you know your way around the platform, there are a few tricks to get Xoom’s transfer fees to zero. These include sending PYUSD to an EUR destination and avoiding debit/credit cards as well as cash pickups. The last method will always carry fixed fees.

Talking about cash pickups, Xoom will make your funds ready for collection within minutes. Simply head to a Ria-branded location near you, verify your details, and walk away with some euro in your pocket.

Besides international remittances, I particularly like Xoom’s mobile reloads. So when your relative in France runs out of mobile data, the best gift you can send is a quick top-up, which you can do directly on Xoom.

There are countless angles to explore about Xoom, but to keep it brief, here’s a summary in a table:

Table: Xoom's feature breakdown

Xoom is a great pick if you prioritize fast delivery and platform stability over getting the lowest fees. But if your goal is minimizing costs, I have PayPal alternatives below that also make strong Xoom substitutes.

📚 Read More: PayPal Alternatives