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Having the best ways to send money to Portugal ready on your device is always a lifesaver, especially when you have relatives there. Picture this: your brother in Lisbon needs emergency rent money before the day ends, or he might get evicted. You rush to use whatever app you have, only to discover it doesn’t play well with the local platforms. Poor Jimmy!
Thankfully, situations like that are easier to avoid nowadays. You’ll find a good number of platforms that can manage transfers to the country reliably, whether your priority is speed, low fees, simplicity, or flexible payouts.
If you want a single platform that covers it all, Ogvio is one of the best money transfers to Portugal, offering a simplified and reliable experience at low costs. That said, it isn’t the only platform worth exploring, so I’ve added some alternatives too:
- Ogvio - Best for Easy, Fast, and Affordable Transfers to Portugal
- Remitly - Best for Time-Guaranteed Delivery to Portugal
- Wise - Best for Fair EUR Exchange Rates
- Western Union - Best for Cash Collection in Portugal
- Revolut - Best for Multi-Purpose Money Transfers App
Let’s see what each one offers!
1. Ogvio - Best for Easy, Fast, and Affordable Transfers to Portugal
Ranks #1 out of 5 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
Want your money to reach Portugal instantly? Then I’d suggest giving Ogvio a look. This next-generation transfer platform promises to offer one of the best ways to send money to Portugal, delivering fast cross-border delivery that you can complete in just a few clicks.
It doesn’t constantly cut into your deposit. Sending money internationally stays cheap, and in some cases, almost free. There’s no fee to sign in, no cost to use the platform, and no premium plans pressuring you to stay active.
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Table: Ogvio pricing
Plus, nothing is hidden in the pricing. Everything is transparent, and the amount you see on your screen is exactly what you’ll end up paying.
Your transaction is also made as easy as possible. With its @tag feature, you can send money to family, friends, or colleagues in Portugal without worrying about mistyping their name or account number. It’s like mentioning someone online, only instead of a message, you’re sending money.
If you feel it’s not the best time to make the transfer, you can store your funds safely with Ogvio. Your balance is automatically converted to EUR or USD for better rate stability, keeping it protected from inflation.
And you don’t have to worry about your funds suddenly getting frozen. Ogvio runs on a non-custodial system that puts complete control in your hands.[1] With no third party able to freeze or mishandle your assets, you have full freedom (and also responsibility) over your money.
Ogvio uses 256-bit AES encryption and biometric security to keep your account safe.
Key Features
On top of those features, it’s also worth noting a few more aspects that make me think Ogvio is among the best money transfer to Portugal options today:
- Zero-fee transfers. If both you and your recipient are on Ogvio, you can send money instantly without paying internal fees.
- Wide international coverage. Whether you’re sending money next door or across the border, Ogvio’s 160+ country coverage makes the process seamless.
- In-app asset swaps. You can easily buy, sell, or manage supported tokens directly within the platform.
- One-tap payment links. Need money sent to you fast? Simply create a link, share it, and you can receive funds within seconds.
- Light KYC. Depending on where you are, Ogvio lets you transfer money to Portugal with minimal verification. Availability and limits vary, though.
Yes, Ogvio might be the youngest platform on my list. But considering its features and beginner-friendly design, I rank it right up there with the established platforms, and even ahead of some.
2. Remitly - Best for Time-Guaranteed Delivery to Portugal
Ranks #2 out of 5 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Sometimes your family needs the money to show up on schedule. When that happens, Remitly can be one of the best ways to send money to Portugal. The platform promises your transfer will arrive exactly when it says it will, or you get your fees refunded.
You also get a few choices for how the money arrives. You can send it directly to a local bank account like Santander, BCP, or BPI, or go with cash pickup if your recipients want to collect it themselves at Novabanka. There’s also a debit-card option if you want the money to arrive instantly.
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Table: Remitly asset movement
If you want to make sure the money is delivered on time, there’s a transfer tracker feature you can use. It lets you see status updates from the start to the finish with no trouble at all.
Security gets proper attention as well. With multi-layer protections in place, Remitly promises to safeguard your data and money, letting you send funds without that nagging “hope this doesn’t go wrong” worry.
Key Features
Here are a few more reasons why I added Remitly to this list:
- Extensive reach. Remitly supports 170 countries and territories around the world, making it easier to send money to Portugal from almost anywhere.
- First-timer promotions. You can get access to a special exchange rate on your first $1,500 transfer.
- Flexible payment options. You can pay instantly with a debit/credit card or choose a cheaper bank transfer that takes a bit longer to process.
- Round-the-clock support. Their customer service team is available 24/7 in multiple languages.
Personally, I also like how Remitly looks and works on both the web and mobile app. It’s smooth, easy to navigate, and free of unnecessary clutter, which is why it’s one of my easiest ways to send money to Portugal.
3. Wise - Best for Fair EUR Exchange Rates
Ranks #3 out of 5 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
Wise has been in the scene for quite some time, and today, more than 14 million users rely on it to move money across the globe. Besides being easy to use and widely accessible, the main appeal for many is that the platform offers the real mid-market exchange rate.
By giving you what Wise calls “the realest and fairest rate”, you basically get the same rate you’d see on Google with no inflated markups. That means the amount you pay reflects the actual market value, unlike traditional banks that often add a 2–5% margin.
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Table: Wise pricing
Speaking of fees, Wise also offers a discount for large transfers. If you’re sending more than $25,000 (or around €21,500), you’ll automatically get a reduced fee during the transaction. The fee percentage also gets lower as you send more, making it a cost-effective choice for moving a large amount of funds.
And you don’t need to worry about safety when moving a large sum. Wise holds regulatory approval across major countries and territories, including Australia, the USA, the UK, the EEA, Canada, and Japan. It also uses HTTPS encryption and two-step verification to ensure your transfer stays protected.
Key Features
Here are a few more perks that make me consider Wise as one of the best apps to send money to Portugal:
- Multi-currency balance. Wise lets you hold different currencies at once and switch between them in just a few seconds.
- Real-time tracker and alerts. You can monitor your transaction from start to finish, supported by real-time tracking and alert notifications.
- High transfer limit. You get a money transfer limit to Portugal of up to 6 million euros per transaction.
- Flexible payout options. From bank transfers to debit/credit cards, you get multiple ways to fund your transfer.
That said, keep in mind that Wise doesn’t offer cash pickup (as of writing). If your recipient in Portugal needs the money in person, you’ll probably need to use a different service.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Western Union - Best for Cash Collection in Portugal
Ranks #4 out of 5 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
Some services don’t need much of an introduction, and Western Union is one of them. The US-based financial platform has been helping people save, spend, and move money across borders for more than 150 years.
Supported in over 200 countries, Western Union ranks among the best ways to send money to Portugal in terms of coverage. You can send funds from almost anywhere in the world. And with more than 515,000 agent locations, it’s a good pick if you or your recipient prefers handling transactions in person.
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Table: Western Union asset movement
Even with its vast network, Western Union still manages to offer quick cash delivery. While I do notice the exact timing depends on where you are and how you send the money, most transfers should wrap up in just minutes.
Key Features
Western Union deserves a spot on my list for a few other reasons too:
- Easy onboarding. You can get your account ready in just minutes. Note that your money transfer limit to Portugal is reduced if your account isn’t verified.
- Quick repeat payments. If you make regular transfers to the same person, you can set them to go out automatically in the future.
- Custom FX rate alerts. You can set your target rate, and the app will notify you when it hits.
- Secure transfers. WU’s fraud prevention measures are quite comprehensive, and with 2FA added, your online transfers stay protected.
As for whether Western Union is the cheapest way to send money to Portugal, well, that depends on where you’re sending from. Overall, I think the fees are quite reasonable and not too hard on your wallet, but it’s not necessarily the most cost-effective choice in the market.
5. Revolut - Best for Multi-Purpose Money Transfers App
Ranks #5 out of 5 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 want the best way to send money to Portugal with a bit more versatility, Revolut is a platform worth keeping on your radar. It’s an all-in-one finance app that lets you send, receive, save, spend, invest, and manage your money from one place.
To keep your experience smooth and secure, Revolut relies on a comprehensive security system running in the background. These protocols include encrypted traffic, automated fraud tracking, regular app updates, and a specialized team monitoring suspicious behavior. And should anything seem unusual, you can reach their support 24/7.
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Table: Revolut security
On the transfer side, Revolut also keeps things flexible. You can move money directly to a Portuguese bank account, send it instantly to a card, or transfer right away to another Revolut user. It should be versatile enough to cover different kinds of situations.
Key Features
Revolut also deserves a spot as one of the best apps to send money to Portugal because of these features:
- Revolut card. You can get physical or virtual cards for seamless daily payment across borders.
- Joint account. If your relatives live in Portugal, you can pool money and manage everything from a single balance.
- Savings vault. You can earn up to a 4.5% annual equivalent rate, with interest paid out daily.
- Budgeting and analytics tools. Revolut gives you access to multiple money management tools to help you stay within your budget.
Looked at from another angle, Revolut's feature-packed interface might come across as a bit heavy. Still, if you’re looking for a transfer app that also offers comprehensive money management tools, it’s probably the right fit.
How to Send Money to Portugal From Brazil
Brazil to Portugal is one of those corridors that should be simple. The two countries move a huge amount of money between them every year,[2] so you’d expect everything to run smoothly. But somehow, I still hear many people run into issues.
Most of the trouble I see comes from mistakes in the details, like a name entered incorrectly or the IBAN digits being out of order.
Portugal, like the rest of the EU, is strict about this. That's why even a small slip can push the transfer back to you after a frustrating delay.
Of course, I can remind you to triple-check everything before confirming your transaction. But what if I told you there’s an easier way to avoid the risk altogether?
Ogvio is one of the easiest ways to send money to Portugal, allowing you to transfer money by simply entering the recipient’s @handle.
Here’s how to handle your transfer smoothly with Ogvio:
Check your email for the confirmation code, then enter it to finish setting up your account.
You’ll fill in some basic details, upload an official ID, show where you live, and finish with a short selfie check. It may sound like a lot, but trust me, it’s actually pretty simple and quick. Once you’re done, the Ogvio team will review your submission and get back to you promptly.
The process usually takes around 1–2 business days.
And just so you know, you can still do plenty on Ogvio without passing KYC. You can send or receive funds between accounts, top up with a card, and transfer crypto from external wallets.
📚 Check Out: How to Send Bitcoin to Another Wallet
![Best way to send money to Portugal: click on [Add Money] option to add balance.](https://assets.bitdegree.org/images/best-way-to-send-money-to-portugal-add-money.jpg "Best way to send money to Portugal: click on [Add Money] option to add balance.")
- Bank Transfer;
- Receive From Ogvio Users;
- Request Money;
- Crypto Transfer;
- Card Payment.
Pick whichever method works best for you.
You can also check the fee details by clicking the small information icon. Once everything looks good, select [Confirm] to proceed.
After the transfer goes through, select [I made a transfer] to let Ogvio know you’ve sent the funds.
![Best way to send money to Portugal: click on [Send Money].](https://assets.bitdegree.org/images/best-way-to-send-money-to-portugal-send-money.jpg "Best way to send money to Portugal: click on [Send Money].")
- Ogvio user. Instant tag-to-tag transfers between Ogvio accounts with zero transaction cost.
- Bank transfer. The best option when you need to transfer money to Portugal bank account.
- Crypto wallet. Enables secure transfers of supported assets to an external crypto wallet.
If you want the easiest way to send money to Portugal, select [Ogvio user]. This way, you only need to choose the recipient’s @tag, avoiding manual detail entry and reducing the chance of errors.
In just a few steps, your funds should reach your recipient in Portugal, without you having to worry that they might end up somewhere else.
How to Send Money to Portugal From the UK
The UK-to-Portugal corridor is one of the most common corridors for sending money, whether it’s for work, family support, or day-to-day expenses. Because of that demand, many platforms already provide reliable support for this route.
The problem, though, is that people often end up paying more than they realize. This becomes especially noticeable when you transfer money to a Portugal bank account. Plenty of apps advertise things like “free delivery to Millennium and Novo”, only for you to find out later that they took their cut through hefty FX markups or hidden add-ons.
For that reason, I feel Ogvio is a breath of fresh air for this corridor. On top of offering low-cost transfers, it provides full transparency of all the charges involved. Its bank transfers are also pretty fast, and while not every payout is instant, most of them should reach the recipient almost immediately.
So if that is the kind of setup you want, here’s how to send money to Portugal from UK using Ogvio’s bank transfer:
![Best way to send money to Portugal: select [Bank Transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-portugal-bank-transfer.jpg "Best way to send money to Portugal: select [Bank Transfer] option.")
Once everything looks correct, click [Go to amount] to continue.
And that’s how you send money from the UK to Portugal with Ogvio. It’s simple, fast, and affordable.
How to Send Money From the USA to Portugal
On paper, there shouldn’t be any major issues when you’re figuring out how to send money from the USA to Portugal. But for many, that’s not the case.
A good number of people who live in the States find it difficult to provide the documents required by financial services to pass their verification process. Because of that, their transfer options become limited, particularly when relying on more traditional routes like bank transfers.
In those cases, using digital assets as your transfer method can be a practical alternative.[3] They often come with more flexible verification requirements, making it easier for people with limited paperwork to send money safely across borders.
And yes, Ogvio has a feature that lets you send money from USA to Portugal through a crypto wallet, and it only requires minimal verification to get started. Here’s how it works:
![Best way to send money to Portugal: choose [Crypto Wallet] transfer option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-portugal-wallet-crypto.jpg "Best way to send money to Portugal: choose [Crypto Wallet] transfer option.")
Take a moment to confirm the address is correct, as transfers sent to the wrong address can’t be reversed or refunded. Once you’re certain, click [Continue].
Just like that, you’ve managed to send funds from the USA to Portugal via a crypto wallet.
Even if you’re transferring money to Portugal from a different country than the ones I've mentioned, the process should be pretty similar. Just note that certain corridors might include a few extra requirements or limitations you’ll want to pay close attention to.
Cheapest Ways to Send Money to Portugal
Sometimes, the idea of the “best” service can translate to looking for the “cheapest” options on the market. And if that is what you had in mind, I can point you to a few names worth checking out:
- Ogvio. There’s no fee for sending money from one account to another, and you can also benefit from a fair exchange rate along with low service charges.
- Wise. With its use of the real mid-market rate, Wise bypasses the inflated FX rates that many platforms sneak in.
- Western Union. While its fees can vary, using WU to send money to Portugal often costs less than going with other platforms.
Here’s a comparison table for a more detailed breakdown:
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Bank - free Card - varies SWIFT - varies |
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Table: Ogvio, Wise, & Western Union pricing
After noticing how inexpensive these choices are, the common follow-up is: “Alright, cheap is cool and all, but how to send money to Portugal for free for real?”
I get why this gets brought up often. Many platforms advertise free transfers yet hide the cost in the FX rate. It’s not outright misleading, though; those spreads fund liquidity, settlement, and all the behind-the-scenes work[4] required to get your money across borders.
So yeah, there’s no such thing as a free lunch.
What I can say is that the three platforms above can bring you close to a near-free transfer experience. Ogvio lets you transfer between users at no cost, Wise sticks to the real mid-market pricing, and Western Union’s bottom line can be quite low.
And with a bit of luck, you might catch a promo that lets you send money to Portugal for free altogether!
📚 Check Out: Cheapest Way to Send Money Internationally
Conclusions
The best way to send money to Portugal should be the one that covers the basics properly, meaning it's fast, secure, reliable, and affordable. The services I listed above handle those essentials and keep your transaction running with almost no friction.
But beyond those core features, there’s always that "X factor" that makes one service connect with you better than the rest. Maybe it serves your corridor more efficiently, or the extra perks happen to suit your way of doing things. Either way, it’s up to you to look into each of them a bit more to see which platform is truly the "best" for you.
My suggestion? Start with Ogvio. It’s designed to give you a frictionless experience with zero hidden fees and features that could make your transfers to Portugal easier than ever!
Scientific References
1. Bizama G. R., Goodell G., Speed C., Revans J., Bowler R. D.: ‘A Non-Custodial Wallet for Digital Currency: Design Challenges and Opportunities’;
2. Organisation for Economic Co-Operation and Development: ‘Migration, Remittances and Development’;
3. Abdallah-Ou-Moussa S., Wynn M., Kharbouch O.: ‘Blockchain, Cryptocurrencies, and Decentralized Finance: A Case Study of Financial Inclusion in Morocco’;
4. King M. R., Osler C. L., Rime D.: ‘The Market Microstructure Approach to Foreign Exchange: Looking Back and Looking Forward’.
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