Best Way to Send Money to Italy

If I’m looking for the best way to send money to Italy, Ogvio is one platform I’m genuinely excited about. It’s a soon-to-launch global money transfer service built for users in 160+ countries.

What makes it interesting is that it will let me hold my balance in EUR or USD, so I don’t have to worry about sudden exchange rate swings – they’re generally stable currencies, anyway. It also promises little to no transfer fees, and there will be no monthly subscription. I can even send crypto with zero platform fees (I’d only pay gas if required).

	OGVIO
Deposit Fees	Free
Withdrawal Fees	Varies
Other Fees	Conversion fee (varies)
Card Maintenance Fees	Card coming soon
Fee Transparency
Markup
	Visit site Read review

Table: Ogvio pricing

Security-wise, Ogvio also feels reassuring. It’s built with a 256-bit model that encrypts data in real time. The key is built directly into the device’s architecture, making it nearly impossible for anyone to extract or tamper with.^[1] It’s also designed using on-chain vaults, meaning funds are stored transparently.

In short, Ogvio has the perfect balance between strong security and smooth performance, keeping your transfers and personal data fully protected while ensuring the app runs effortlessly.

Key Features

What is the best way to send money to Italy? Ogvio can be your answer because:

• Instant transfers. Ogvio aims to move money almost instantly (in seconds, not hours or days). So if you ever get an urgent message from family in Italy needing funds right away, you know they won’t be left waiting.
• Fast wallet top-ups. Users will be able to fund their Ogvio balance instantly using a card, Apple Pay, Google Pay, or bank transfer.
• Send money like a DM. There’s a @Tag username feature, so sending money will feel like messaging someone – no need to be afraid of mistyping bank details.

• Easy verification. In some regions, Ogvio will let you start sending money without long document uploads and complex facial verification. This can be beneficial for someone who values privacy and doesn’t like complicated onboarding processes.
• No limits. There’s zero minimum and no transfer cap, as well as no minimum deposit or withdrawal. Ogvio even plans to remove upper transfer limits entirely, which makes it just as practical for everyday senders or global businesses.

With all of that combined, Ogvio may be the kind of platform you’ve been waiting for. It’s secure, fast, easy to use, and integrates with cryptocurrencies.

Launched in 2011 with the vision of making international money transfers cheap, fair, and simple, Wise is now trusted by approximately 15.6 million active users from 80+ countries. In terms of sending money to Italy, specifically, Wise only supports transfers from 56+ sending regions, though, including Australia, the US, and India.

The transfer fees depend on factors like the amount you send, the currency, and your chosen payment method, which can also vary by country.

For example, if you’re learning how to send money to Italy from the USA in USD, you can use the ACH (connected bank account) method, meaning you’ll pay that bank fee plus Wise’s own transfer fee. Meanwhile, in Australia, you can pay via PayID (no platform fee), so you’ll only cover Wise’s standard transfer fee.

	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 pricing

Every transfer you make is protected with HTTPS encryption and two-step verification to ensure that only you can access and approve transactions. Wise also uses dedicated fraud detection systems and complies with financial regulations in each supported country, keeping your money and personal data safe throughout the process.

Key Features

Wise gives you various flexible ways to manage your finances internationally, which is a good option if you want to know how to send money to Italy from Canada or other 56 countries:

• Multiple ways to send money. You can fund your transfer via bank transfer, debit card, credit card, Apple Pay, and Google Pay.
• Wise link. With this feature, it's possible to send money even without your recipient’s bank details. You can just share the secure link it generates, and the recipient can enter the details themselves to get the transfer.
• Discounts for large transfers. Wise will automatically apply discounts once your total transfers reach 25,000 USD (or equivalent). Once you hit the threshold, you can enjoy lower fees for the rest of the month, then it resets on the first.

• Wise card. If you travel often, the Wise debit card supports 50+ currencies and gives you two free ATM withdrawals per month, plus a free allowance based on where your card was issued.
• Interests and stocks. Wise can be a “savings account” because it enables users to earn up to 3.66% APY on their USD, GBP, or EUR balances. They can also choose to hold the money as stocks. As I’m writing this, it’s only available for users in Singapore, the US, the UK, Australia, and European countries.

Overall, Wise works like a “global bank”. The features are not limited to money transfer, as you can spend, save, and grow your money in one place.

With its huge international network and its long history, Western Union is one of the easiest and most familiar ways on how to send money from Nigeria to Italy or from 199+ other countries and territories.

It’s a fully regulated provider. In Europe, the company is licensed by the Austrian Financial Market Authority (FMA) to provide banking and payment services. Then, it operates in Italy through its Italian branch, which is supervised locally by the Bank of Italy.

	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 coverage

Besides being licensed, you can trust this money-transfer service due to its efforts in security. Western Union uses SSL encryption, multi-factor verification, and fraud monitoring to protect every transaction.

That said, it’s generally not the most affordable option. Western Union charges both transfer fees and a currency exchange markup, unless you catch a promo like fee-free first transfers or app-only discounts.

Key Features

Here are some of why people use Western Union for Italy transfers:

• Cash pickup. This payout method is suitable if your recipient prefers collecting money in cash.

• Exchange rate alerts. Just set the EUR or another currency rate you’re waiting for, and Western Union will alert you when it hits.
• Live tracking. Enter your 10-digit Money Transfer Control Number (MTCN) in the app or on the website to see where your money is in real time.

• Support for every type of user. Depending on where you live, you can chat online, call, or simply walk into a physical branch.
• Known for kind in-person assistance. I saw many user reviews talking about how patient and helpful the staff are, especially when helping elderly customers in local branches.

Overall, Western Union is ideal if you want cash pickup and human assistance, especially for family members in Italy who prefer traditional, face-to-face service. It may not be the best way to transfer money to Italy in terms of cost, but it’s dependable.

Founded in 2001, Xoom was acquired by PayPal in 2015, and now it basically “inherits” PayPal features. Your transfers are protected with data encryption and 24/7 fraud monitoring, just like when you use PayPal. In Europe, it’s also licensed through its parent company, which is regulated by the Commission de Surveillance du Secteur Financier in Luxembourg.

	XOOM
KYC	Name, surname, may ask for a ID, and proof of address
Fraud/AML Prevention	KYC AML
Account Protection	Data encryption 24/7 fraud monitoring
	Visit site

Table: Xoom security measures

However, Xoom is a bit limited right now – you can only send money if you’re in the US, UK, Canada, or most of the EEA. The team says expansion is coming, but there’s no confirmed timeline yet. So, if you’re outside those regions and need to send cash ASAP, you might want to check out other options for now.

In terms of fees, the charges vary depending on your currency and payout methods. Xoom transfer speed is also generally fast, with most of them completing in minutes. Bank deposits may take a little bit longer due to bank holidays and time zones.

Key Features

You can consider Xoom as your best way to send money to Italy because of these reasons:

• Upfront fees and rates. Once you choose your currency and enter the amount you want to send, Xoom will immediately show the fees for all the methods it offers, so no more guesswork on your end.

• PayPal integration. Beyond the inherited regulatory protections and security measures, Xoom allows you to log in using your existing PayPal credentials.
• Multiple payout methods. Cash pickup, bank accounts, debit cards, and mobile wallets – Xoom lets the recipient receive money however they like.
• Top-rated mobile experience. Xoom’s app is widely praised, earning almost perfect scores on both the App Store and Google Play from more than 1 million reviews. People highlight how easy it is to use and how helpful the real-time tracking is.
• Multilingual support. English and Spanish customer service is available 24/7, while French, Italian, German, Arabic, and Chinese assistance are only supported during business hours. You can reach the team via phone or email, depending on what’s most convenient for you.

That being said, if you want the combo of “super easy app” vibes but still need classic cash pickup options, Xoom can be your platform of choice. It’s PayPal-level legit, but built for sending money fast.

Are you searching for the best way to send money to Italy from UK? Revolut can be an ideal option for you, thanks to its competitive exchange rate. On its website, it even clearly claims that the platform offers the most value for GBP-EUR transfers.

Plus, Revolut is a homegrown UK brand – founded in London and still based there. It’s registered in England and Wales, regulated by the Financial Conduct Authority (FCA), and even bagged a full UK banking license from the Prudential Regulation Authority (PRA) in July 2024. In short, your transactions are in pretty safe hands.

	REVOLUT
KYC	Name, surname, ID, possibly proof of address
Fraud/AML Prevention	KYC Sanctions screening Transaction monitoring
Account Protection	2FA Device binding Card freeze/limits Alerts
	Visit site Read review

Table: Revolut security

Sure, you may know that Revolut faced a security incident in 2022, when criminals exploited a payment system flaw to steal around $20 million. But don’t panic, since that money came from Revolut’s own funds, not those of users.

You can enjoy many of the features for free with its Standard plan. If you want to experience more benefits, like higher withdrawal and currency exchange limits, consider subscribing to one of its paid plans (Plus, Premium, Metal, or Ultra) that come with a monthly fee.

Key Features

Here’s a quick look at what Revolut has to offer:

• Free and instant P2P transfers. Sending money without a bank account is possible with Revolut accounts. The team even claims that the Revolut-to-Revolut transfers take less than 20 seconds and have no transfer fees.
• Group Bills. If you ever share subscriptions with your global peeps or have group trips coming soon, you can easily send or request money using its Group Bills feature with your friends listed there.

• Multiple top-up options. Adding money to a Revolut account is flexible via bank transfer, card, Apple Pay, Google Pay, direct deposit, or even cash deposit at supported locations.
• Multi-currency account. Revolut supports 30+ currencies, so it’s possible for you to hold, exchange, and spend globally with real-time exchange rates.
• Pockets. Imagine Revolut Pockets as money folders to organize your finances, allowing you to have “pockets” for groceries, rent, holidays, or shared goals. On each Pocket, you can receive recurring transfers or link your card for easy spending.

With all the features mentioned, I think Revolut is a practical option for anyone who often transfers money abroad, splits expenses, or manages funds in multiple currencies.

If you’re learning how to send money to Italy from the USA, Remitly may just be your go-to option. It’s fully authorized to handle money transfers in all US states and Washington, D.C. Beyond that, users from 30+ countries, including Canada, most of Europe, Singapore, and the UAE, can also enjoy its quick, affordable transfers.

For those in the EU, Remitly Europe Limited (the same brand as Remitly, but a different branch) operates under the supervision of the Central Bank of Ireland. So, no worries; it’s a legit, regulated service that keeps everything above board.

	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 coverage

Security-wise, Remitly uses 256-bit encryption and two-factor authentication to protect your data and funds. It also runs both automated and manual monitoring systems to detect suspicious activity, keeping your transfers safe 24/7.

As for fees, there’s no single rate since it depends on your country, payment method, and the amount you’re sending. Sometimes, larger transfers even qualify for better exchange rates. The good news is that you’ll always see a transparent breakdown before confirming your transaction.

Key Features

This is why I think Remitly is one of the best solutions for learning how to send money online to Italy:

• New customer deals. Depending on where you send the money from, you can get a special rate and zero fees for your first transfer.
• Guaranteed delivery. For both personal and business use, Remitly offers a 100% satisfaction guarantee. If your transfer doesn’t arrive on time, the team will refund your fees.
• Various reputable partners. Remitly has collaborated with more than 25 banks (as well as neobanks) to make sure your money lands in Italy safely. These include Banca di Credito Cooperativo di Roma, Cassa Centrale Banca, and Finecobank.

• 24/7 customer support. No matter what your timezone is, Remitly is ready to help you via chat or phone in 18 different languages. Still, the channel availability depends on your country.
• Remitly One. Remitly is expanding beyond standard remittances with a new offering called Remitly One. With this feature, users can get instant access to up to $250, earn 4% APY on wallet balances, and unlock cashback rewards when using autopay.

Once Remitly One is launched, I guess Remitly can be a well-rounded choice for transferring money online. It will cover your remittance needs, as well as everyday financial management.

Headquartered in London, Paysend can be your best way to send money to Italy from UK. The platform is regulated by the UK’s Financial Conduct Authority, certified by Visa, Mastercard, and China UnionPay, and meets PCI DSS standards for data protection

Those certifications aren’t easy to get. For example, to be PCI-DSS compliant, companies need to implement multiple control requirements,^[2] like installing strong firewall configurations and continuously monitoring systems. So, the fact that Paysend meets these standards is a good sign that your money is in safe hands.

	PAYSEND
KYC	Name, surname, ID, proof of address, bills
Fraud/AML Prevention	KYC Sanctions/PEP screening Transaction monitoring
Account Protection	2FA Passcode Biometric login Card freeze PCI DSS
	Visit site

Table: Paysend security

Transfers to Italy are supported from around 50 countries at the moment, including the US, Australia, Canada, most of Europe, and parts of Asia and South America. Still, it’s best to double-check if your country’s covered directly on the Paysend website before signing up.

Key Features

Here’s what makes Paysend one of the best ways to transfer money to Italy:

• Flat transfer fees. Paysend keeps pricing predictable with a fixed fee (starting at €1.50). So, if you’re sending a big amount, you won’t get hit by higher percentage-based charges.
• Fast transfers. Depending on your recipient’s bank, funds can land within seconds, which is perfect if you’re sending money for something urgent.
• User-friendly app. The iOS app has a 4.8/5 rating from 20K+ reviews for its simplicity and speed, though the Android version trails slightly.

• Always-on support. You can chat or email support 24/7 right from the Help Center.
• Business solution. Do you need to pay vendors or employees in Italy? Paysend Enterprise offers API integration, local payout methods, and multi-currency accounts.

Can Paysend be your ideal option? Well, if you often make large transfers and want fast delivery, it might just be. Just make sure your country’s supported, and you’re good to go.