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Some people choose to send a love letter to Paris, but for those with relatives abroad, finding the best way to send money to France is often more important.
But of course, to fully let your family member live their life a la Emily in Paris, you’ll need a money transfer app that minimizes fees and maximizes every euro received.
Nevertheless, every person has their own preferences. Some look for speed, others for transparency. Many simply want peace of mind knowing that their money arrives safely. If you’re looking for a platform that checks all the boxes, I’ve got a name for you: Ogvio.
And if you need more references, check out my curated list of the best services to send money to France online or offline below:
- Ogvio - Best for Low-Fee and Quick EUR Transfers
- Revolut - Best for Multifunctionality and Competitive FX Rates
- Western Union - Best for Transfers to Remote Areas in France
- Wise - Best for Discounted Large Transfers
- MoneyGram - Best for Flexible Cash Pickups
- Remitly - Best for Comprehensive Payment Network Coverage
- Xoom - Best for Full Refund Guarantee
Which one to pick? It’s hard to decide now, so let’s clear the confusion with a full review of each transfer option. By the way, if you’re in for extra rewards, the BitDegree Season 8 Airdrop is running in full motion (as of writing). Head over there to grab your slice of the pie, and who knows, you can share it with your loved one over in France!
1. Ogvio - Best for Low-Fee and Quick EUR Transfers
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)
For the cheapest way to send money to France, nothing beats a Jet2 Holiday… I mean, Ogvio! This newcomer is pushing 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.
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Table: Ogvio's asset movement
Its system automatically pegs your holdings to EUR (or USD - your choice), so there's no need for mind-bending conversions. Aside from serving the locals, Ogvio is also 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 supports Base network (not all cryptocurrencies, though), including BTC and USDC. 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 makes the onboarding process smooth and stress-free.
Furthermore, the platform won’t store your funds in a centralized account or with a third party.
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:
Ogvio | |
|---|---|
Fees | Free or low-fee |
Supported Countries | 160+ |
Supported Currencies | 40+ (Ogvio accounts stay pegged to USD or EUR) |
Transfer Speed | Within seconds |
Offline or Online Compatibility | Browser Mobile app TBA |
Payment Channels | SEPA bank transfer, Apple Pay, credit/debit card, +7,000 more |
Security | Non-custodial wallet, 256-bit AES encryption, biometric authentication |
Additional Features | ✓ @Tag functionality ✓ Crypto trading ✓ Ogvio Business (TBA) ✓ Ogvio Card (TBA) |
Table: Ogvio's feature breakdown
As you can see, premium features are on the horizon. So, feel free to test out the application if you want to experience instant transfers with low-to-no fees.
2. Revolut - Best for Multifunctionality and Competitive FX Rates
Ranks #2 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
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.
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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:
Revolut | |
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Fees | FX rates and fees + transfer rates |
Supported Countries | 40+ |
Supported Currencies | 25+ |
Transfer Speed | Instant or up to 30 minutes |
Transfer Limits | Limits set by the payment partner |
Offline or Online Compatibility | Browser and mobile app |
Disbursement Channels | Visa, ACH, domestic wire, bank transfers, etc |
Security | 2FA, anti-fraud notification, receipt confirmation |
Additional Features | ✓ Revolut card ✓ Spend management |
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.
3. Western Union - Best for Transfers to Remote Areas in France
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
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.
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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 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.
WU sets a maximum limit of €1,000 per transaction. Verified users can transfer up to €5,000. In some locations, such as Morocco, the limit may also increase to €7,000.
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:
Western Union | |
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Fees | Depends on the location and transfer method |
Supported Countries | 200+ countries & regions |
Supported Currencies | 130+ |
Transfer Speed | Within minutes or up to 2 days |
Transfer Limits | Depends on the transfer destination and user verification status |
Offline or Online Compatibility | Browser, mobile app, and in-person |
Disbursement Channels | Bank account, credit/debit card, and cash |
Security | Encryption, fraud hotline, MFA |
Additional Features | ✓ Money order refunds ✓ Free transfers for newcomers |
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.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Wise - Best for Discounted Large Transfers
Ranks #4 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
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.
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US
Canada
Germany+160 more |
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EN DE FR +15 more |
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USD
CAD
EUR+40 more |
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Fiat-only |
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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:
Wise | |
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Fees | Depends on the location |
Supported Countries | 160+ |
Supported Currencies | 40+ |
Transfer Speed | Instant or up to 5 days |
Transfer Limits | €6 million per transfer |
Offline or Online Compatibility | Browser and mobile app |
Disbursement Channels | Bank transfers, credit/debit cards, and local payment options |
Security | 2FA, device checks, card freezes |
Additional Features | ✓ International debit card ✓ Business features |
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.
5. MoneyGram - Best for Flexible Cash Pickups
Ranks #5 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 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.
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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.
Before initiating your transfer, you need to check the reception options in your and the receiver’s countries.
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:
MoneyGram | |
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Fees | Depends on the location |
Supported Countries | 200+ |
Supported Currencies | 90+ |
Transfer Speed | Within minutes or up to a few days |
Transfer Limits | Limits depend on your account verification level, payment type, and receiving method |
Offline or Online Compatibility | Browser and mobile app |
Disbursement Channels | T4H, Nova Cambios France, MoneyTrans, Aleda, etc |
Security | Encryption and access controls |
Additional Features | ✓ Offline cash withdrawals ✓ Plus Rewards |
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.
6. Remitly - Best for Comprehensive Payment Network Coverage
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
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.
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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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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.
Mind that if you use Remitly, there’s always a per-transfer limit to watch out for, which varies by region.
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:
Remitly | |
|---|---|
Fees | Shown before the transaction |
Supported Countries | 170+ |
Supported Currencies | 100+ |
Transfer Speed | Within minutes or up to a few days |
Transfer Limits | €85,000 per transaction |
Offline or Online Compatibility | Browser and mobile app |
Disbursement Channels | BNP Paribas, Ria, Crédit Agricole, La Banque Postale, +1,000s more |
Security | Account verification, SSL, 256-bit encryption, etc |
Additional Features | ✓ Cash pickups |
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.
7. Xoom - Best for Full Refund Guarantee
Ranks #7 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
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.
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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.
Neatly, Xoom guarantees a full refund if someone uses your account without your permission or if your transfer fails to reach the intended recipient.
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:
Xoom | |
|---|---|
Fees | FX margin + payment processing fees |
Supported Countries | 150+ |
Supported Currencies | USD, CAD, EUR, and GBP |
Transfer Speed | Within minutes |
Transfer Limits | Depends on where you live and the sending level |
Offline or Online Compatibility | Browser and mobile app |
Disbursement Channels | Bank deposit, Ria, etc |
Security | 128-bit encryption and fraud monitoring |
Additional Features | ✓ Cash pickups ✓ Mobile reloads |
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
How to Send Money From the UK to France
So, I’ve given you a battle-tested list of platforms providing some of the best ways to send money to France. Choosing isn’t easy, and most people may not have specific criteria. After all, sending money abroad is often associated with family obligations rather than deliberate planning.[1]
If you’re ready to get into action, understand that there are regulations set in place, and you need to abide by them to avoid any fines or detention.
Legal Limit | No legal limits set by the FCA. Banks or providers may set limits |
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FX Rate | €1 ≈ £0.88 (As of November 2025, changes daily) |
Common Transfer Methods | Online money transfers, traditional bank transfers, and digital methods |
Transfer Speed | Minutes (SEPA and online transfers) to 5 business days |
Requirements | Payer: full name, full postal address, and account number Payee: full name, account number, and unique identifier |
Table: A primer on transferring from the UK to France
To prevent money laundering, HM Revenue and Customs requires money transfer services to verify any remittances of €1,000 or more. Likewise, if your transaction is cash-based or the source is anonymous, be prepared for additional checks from your provider.
If several transactions under €1,000 appear to be linked, expect extra due diligence if the total amount exceeds €1,000.
It’s refreshing to see that the UK does not set any hard transfer limits, though the verification rules are noticeably stricter. To avoid any hassle, I’d suggest using a platform that keeps things simple, which is Ogvio.
Check out how to send money to France from the UK easily through the tutorial below:
![Best way to send money to France: the [Add Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-france-add-money.jpg "Best way to send money to France: the [Add Money] button on Ogvio.")
![Best way to send money to France: a red arrow pointing to the [Bank Transfer] option on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-france-uk-step-6.jpg "Best way to send money to France: a red arrow pointing to the [Bank Transfer] option on Ogvio.")
![Best way to send money to France: the [Ogvio user] option when adding a recipient on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-france-add-recipient.jpg "Best way to send money to France: the [Ogvio user] option when adding a recipient on Ogvio.")
📚 Read More: How to Send Money Online
How to Send Money From the US to France
If you’re in the US and have relatives or friends in France, here’s what you need to know before initiating your transfer.
Legal Limit | No limits set by the IRS |
|---|---|
FX Rate | €1 ≈ $1.55 (As of November 2025, changes daily) |
Common Transfer Methods | Online money transfer services and traditional wires |
Transfer Speed | Minutes (online transfers), 1-5 days (ACH/direct debit), or a few hours (cash pickups) |
Requirements | Full name, full address, phone number, bank name and address, account number, ABA/routing number |
Table: A primer on transferring from the US to France
Transferred funds originating from the US with a total value of more than $10,000 should be reported by your payment provider to FinCEN. If you physically carry such an amount of cash into the US, you need to file an IRS or FinCEN Form 105 with the US Customs and Border Protection.
It’s no wonder that digital transfers remain king for those living in the US. If you’re a US citizen living abroad, you can make a transfer to France using Ogvio without worrying about hefty exchange rate markups or subscription fees.
Following that, I’ll take the angle of transferring to a crypto wallet this time. After testing it myself, I found this method to be highly convenient. To get started, complete steps 1 through 4 outlined in the previous section. The steps below will guide you through adding money until confirming the transfer:
Depending on your selected method, Ogvio guides you through each step one at a time, so you'll always know what to fill in, where to click, and what to expect next.
Once the funds arrive in your recipient's wallet over in France, chances are, they'll feel très content. At least that's been my experience. The true 1:1 FX rate on Ogvio is refreshing to see, and not losing to percentage-based rates means that I walk away with a way better amount in the end.
How to Send Money From Italy to France
Another major source of remittance outflows to France is Italy, which ranks among the largest corridors. Since both countries belong to the Eurozone, sending money can sometimes feel like a simple trip, but there are contextual factors to keep in mind.
Legal Limit | €5,000/transaction for cash payments. No specific limits for electronic transfers |
|---|---|
FX Rate | Both use the euro |
Common Transfer Methods | Online money transfer services, retail services, and traditional wires |
Transfer Speed | Minutes (online transfers), up to 3 days (SEPA zone bank transfers), or up to 2 days (cash pickups/bank transfers) |
Requirements | Full name, full address, IBAN, BIC/SWIFT code |
Table: A primer on transferring from Italy to France
Due to legal constraints when sending with a bank, many Italians choose to use a money transfer service like Ogvio to send money back home.
Sign up for Ogvio, following steps 1 through 4 in the “How to Send Money From the UK to France” section. Do not leave the KYC verification behind, since Italy is strict about anti-money laundering[2] and you won't be able to make bank transfers otherwise.
On top of that, remember to top up your Ogvio wallet first, as it’ll make the remittance process smoother. Once that’s out of the way, let’s initiate the transfer:
![Best way to send money to France: selecting [Bank transfer] as a transfer method on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-france-bank-transfer.jpg "Best way to send money to France: selecting [Bank transfer] as a transfer method on Ogvio.")
Since you’re using SEPA Instant, the money should arrive in your recipient’s bank account within seconds.
Conclusions
The best way to send money to France doesn't need to be a complicated endeavor. Once you’ve found a provider that ticks all the requirements, you’re halfway there.
Scientific References
1. David B. Dana D. Abel F.: ‘On the Effect of Mobile Phone on Migrant Remittances: A Closer Look at International Transfers’;
2. Gill M. Geof T.: ‘Preventing Money Laundering or Obstructing Business? Financial Companies' Perspectives on ‘Know Your Customer’ Procedures’.
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