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Nearly 7.5 million Turkish citizens live abroad, most of them in Western Europe, constantly juggling ways to move money back home. That’s why finding the best way to send money to Turkey isn’t just a nice-to-have; it can decide how much your family actually receives. A few clicks one way, and you lose in fees. A few clicks another, and you save a small fortune over the year.
To assist you with your research, in this guide, I’ll break down the main options for sending money to Turkey from places like Germany, UK, and US. You’ll see how digital platforms, classic cash-pickup areas, and bank transfers compare on various criteria, so you can match the right service to your specific corridor and budget.
- Ogvio - Instant @Tag Payments to Turkey
- Wise - Mid-Market Rate Transfers to Turkey
- Western Union - Fast Cash Remittances
- MoneyGram - Flexible Payout Options
- Remitly - Budget-Friendly Lira Transfers With Guarantees
- Xe - High-Limit Lira Transfer
- Revolut - App-First Transfers for Regular Sends
That said, I'm you're pretty interested to see what awaits. So, let's check the platforms in more detail.
1. Ogvio - Instant @Tag Payments to Turkey
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)
If you work abroad and send money home to Turkey, Ogvio is built for that. It is a global money transfer service that works in 160+ countries and supports over 40 currencies. You get a DM-style @Tag, so you can send funds like a message instead of typing long bank details.
It’s also very easy to figure out how to send money to Turkey. First, you start by creating a free Ogvio account and choosing your personal @Tag. Then you get the option to top up via bank transfer, credit/debit card, crypto, or request money sent to you. After that, simply use the @Tag feature to send the money to your recipient, as it’s the easiest way to send money to Turkey.
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Table: Ogvio asset movement
That said, deposits from the 40+ currencies are automatically pegged to EUR or USD, which helps protect value when the lira moves a lot.
Over the past year, the Turkish lira has kept sliding, losing roughly a quarter of its value against the US dollar and around a third against the euro, with USD/TRY up about 23% and EUR/TRY up about 35% over 12 months (at the time of writing).
When you are ready, you can choose from a couple of options for how to make a transfer: you can either transfer money to a Turkish bank account directly, send it to your recipient’s account through the @Tag feature, or send it to a crypto wallet. However, if you use the DM-styled sending, there will be no fees, and it will be processed instantly.
Now, the rates are kept simple. Bank transfer top-ups carry no extra Ogvio fee, while card top-ups cost about 1% of the amount. Transfers between Ogvio users, as already mentioned, are completely free of charge, so you could say it’s one of the cheapest ways to send money to Turkey. For cashing out to a bank, the average fee is around 0.7%.
For instance, sending 100 USD to a Turkish bank account costs about 1.60 USD in underlying bank and FX charges, while a 300 USD transfer costs around 2.90 USD. This means larger payments, like rent or tuition, usually take a smaller percentage of total costs.
There are also practical limits and payment systems tuned to Turkey. Per transfer, payouts can reach roughly 100,000 lira, or $2,300-$2,400. Payouts usually use Turkey’s FAST instant payment system, so once Ogvio sends the money out, it can land in your recipient’s bank very quickly.
2. Wise - Mid-Market Rate Transfers to Turkey
Ranks #2 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
Wise is one of the best ways to send money to Turkey. You sign up online, choose lira as the target currency, and enter the amount. Wise then shows you the fee, exchange rate, and exactly how much will arrive in your recipient’s bank account.
Wise uses the mid-market rate and doesn’t apply any markup on the exchange rate, saving you a pretty penny.
From there, you choose how to pay: bank transfer, debit/credit card, or other local options, depending on where you live. Wise takes your local currency, converts it to TRY, and pays it out from its own local account in Turkey, so your recipient gets a normal domestic transfer in lira.
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Table: Wise's pricing
Your total cost with Wise comes from a small transfer fee plus the exchange rate. Unlike many banks, Wise uses the mid-market rate (the rate banks use between themselves) and does not hide extra markups there. Fees vary by route, and you always see the exact amount before you send.
Speed is another point. Wise says that around 70% of transfers arrive in under 20 seconds and 95% within a day, although timing always depends on your currencies and how you pay. The app gives a live estimate for your Turkey transfer, so you know when the money should land.
That said, since we are talking about the best ways to send money to Turkey, here are a couple of things you should keep in mind: Wise sends TRY to individual or business current accounts, not savings accounts. Therefore, you will need the recipient’s full name and a TR-starting IBAN. For money transfers to Turkey, the limit is nearly 10 million TRY per transfer.
3. Western Union - Fast Cash Remittances
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
If you’re looking for the best way to send money to Turkey when your recipient prefers cash, Western Union will hit the target. With this platform, you can start a transfer online, in the app, or at an agent location, then have the funds delivered either for cash pickup or straight to a Turkish bank account.
To send online, you log in or register a free profile, choose Turkey as the destination, enter the amount, and pick how your recipient will receive the money. You then select how you want to pay, such as card or bank transfer, and see a summary before giving your final confirmation.
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Table: Western Union asset movement
However, one detail to remember: if you select cash payout and your recipient visits an agent, they must have an ID and the tracking number.
Speed depends on how you pay and how the money is received. Card payments for cash pickup are often available within minutes, while bank transfers can take longer. Western Union gives a delivery estimate during the setup stage, and you can track your transfer to Turkey in real time.
For convenience, the app lets you save receiver details and even set up recurring transfers from some countries. Western Union also highlights its encryption and fraud controls, which can matter when you’re wiring larger amounts like rent, tuition, or family support.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. MoneyGram - Flexible Payout Options
Ranks #4 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 a well-known option, which is why it's in my list of the best ways to send money to Turkey. The platform lists three main receiving methods: cash pickup, bank transfer, and even mobile wallet. As a result, you can match the payout type to how your relatives handle money there.
Now, sending money straight to a bank account is common in Turkey. MoneyGram’s developer guide states account deposits cover all banks, always in Turkish lira, with a receive limit of 10,000 USD per transfer. Payments up to about TRY 198,000 usually arrive in minutes. Meanwhile, larger amounts tend to come the next business day.
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Table: MoneyGram asset movement
For recipients who already rely on mobile wallets, MoneyGram connects with local partners such as Uption, billed as Turkey's first domestic global money transfer and payment platform. Transfers can arrive directly in the Uption app, removing the need to go to a MoneyGram agent for cash collection and shaving off some time.
On the other hand, if your recipient prefers cash, the platform keeps things simple in Turkey. MoneyGram will invite the receiver to pick up money at nearby locations. All they will need to do is show their ID and the reference number and walk away with their lira.
5. Remitly - Budget-Friendly Lira Transfers With Guarantees
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 well known for offering great welcome gifts. For instance, from countries like Germany or the UK, new customers can get a promotional EUR-to-TRY or GBP-to-TRY rate and pay no transfer fee on their first send to Turkey, up to a stated limit. So, this is one way how to send money to Turkey for free, though only temporarily.
For where the money lands, Remitly lets you choose between bank deposit, cash pickup, mobile wallet, or even debit card deposit on some routes. The Turkey provider list includes big names such as Garanti Bank, Ziraat Bank, Papara, Paycell, and many others across the country.
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Table: Remitly asset movement
Delivery promises are another perk. Remitly highlights that transfers will arrive by the country’s time, or they will refund your fees. So, if you get “lucky”, it would be one of the cheapest ways to send money to Turkey. In addition, both you and your recipient can track each step of the transfer via SMS, email, or app notifications, which helps when you are timing rent or bill payments.
The last important factor to consider, especially if you make regular transfers to Turkey, is security. Remitly talks about multi-level security, encrypted connections, and tools that watch for unusual activity. In case you encounter any issues that require immediate attention, the platform also offers 24/7 support in several languages.
6. Xe - High-Limit Lira Transfer
Ranks #6 out of 7 Money Transfer Services
- + Extensive global coverage
- + Real-time exchange rate tools
- + Rate alert features
- + Currency chart tools
- + Cash pickup option
- - Variable fees for certain payments
- - No physical or virtual card
Xe is the brand many people know from currency-converter apps, but it also runs a full money transfer service for Turkey. You can send TRY from major corridors like the US, UK, and much of Europe, typically at bank-beating exchange rates and without surprise transfer fees added on top of the quote.
Now, your recipient can either get a direct bank deposit or collect cash. Bank deposits to TRY accounts are often completed in minutes, while cash pickup is available at more than 40,000 locations across Turkey via the Xe app, which is handy if your family member prefers cash in hand.
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Table: Xe asset movement
How you pay affects both price and speed. In many sending countries, Xe lets you fund transfers by ACH-style bank debit, domestic bank/wire transfer, or debit/credit card. Cards are usually the quickest but carry higher fees, while bank payments are cheaper and typically reach the recipient within about 1-4 business days after Xe receives your money.
If you’re sending larger amounts to Turkey, Xe’s online limits are high: up to 535,000 USD per transfer from the US, UK, and much of Europe, with the option to contact their team for even bigger payments.
Xe has over 30 years of FX experience and processes more than 115 billion USD in international transfers annually, which is reassuring when you’re paying for property, tuition, or moving savings.
7. Revolut - App-First Transfers for Regular Sends
Ranks #7 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
For many people in Europe, Revolut is already a well-known application. One thing you will most likely appreciate about this platform is that transfers are typically processed within minutes. Revolut will show you a live TRY rate and delivery estimate before you hit send.
Fee-wise, the platform is usually cheaper than banks. The rates start from around 0.3%, and Turkey-specific examples show low fixed bank-transfer fees with no extra FX markup on weekdays within your exchange allowance. Weekend conversions, however, can add a small percentage, so planning to send on weekdays keeps costs down.
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Table: Revolut pricing
Revolut is also great for repeat transfers. You can set up scheduled payments, get push notifications at each stage, and track the transfer status in real time. Revolut reports that most international payments arrive within hours, with a large share landing in under an hour, so it works well for regular family support or bills.
From a safety perspective, the platform operates as a licensed bank in much of Europe, with deposit protection on eligible balances and strong two-factor authentication on every account. Transfers to Turkey benefit from the same security stack and fraud monitoring, so you are not trading lower cost and speed for weaker protection.
How to Send Money to Turkey From Germany
Having checked out all of the best ways to send money to Turkey, let’s get into the more technical side of how to do it. For this guide, I’ll be using Ogvio as an example, but before that, here are some key things you should consider:
- Inflation. Turkey is working on bringing inflation down, but it’s still very high, and FX moves have been dramatic after political or economic shocks.[1] Therefore, if the recipient needs TRY for daily expenses, sending in smaller, more frequent transfers can reduce the risk of horrible timing.
- Card-funded transfers. For card-funded transfers from Germany, it’s worth noting that dynamic currency conversion (DCC) can appear when using EUR cards on non-EUR websites: it’s usually best to pay in EUR and let the transfer service handle the FX to TRY.
- Costs of 1.5%-3% are realistic. World Bank corridor data shows Germany to Turkey online transfers often land in the 1.7%-2.5% total cost range (fees + FX), especially for mid-size transfers. Anything much above 4%-5% is “expensive”.
- Discounts. Because of the long-standing Turkish community in Germany and the size of the flow, providers constantly run promos (first transfer free, special EUR to TRY rates), which readers should actively hunt for.
Alright, let’s get started with the guide on how to send money to Turkey using Ogvio.
![Best way to send money to Turkey: a red arrow pointing to the [Add Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-turkey-germany-step-3.jpg "Best way to send money to Turkey: a red arrow pointing to the [Add Money] button on Ogvio.")
![Best way to send money to Turkey: a red arrow pointing to the [Bank Transfer] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-turkey-germany-step-4.jpg "Best way to send money to Turkey: a red arrow pointing to the [Bank Transfer] button on Ogvio.")
![Best way to send money to Turkey: a red arrow pointing to the [Send Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-turkey-germany-step-8.jpg "Best way to send money to Turkey: a red arrow pointing to the [Send Money] button on Ogvio.")
And that’s it. Initially, it looks like a lot of steps, but the actual process is quick and easy.
How to Send Money to Turkey From UK
Just like with the guide above, before learning how to send money to Turkey from UK, here are a couple of useful tips you might want to know along the way:
- Digital apps usually beat banks and cash agents on cost. Global data show digital remittances averaging around 5% total cost, versus 7% for cash and over 8% for bank transfers in many corridors.
- International wallets don’t really work on the Turkish side. PayPal, Apple Pay, and Google Pay are not allowed to operate in Turkey under the current banking rules. So if your provider mentions “mobile wallet”, it usually means a local product (such as Papara).
- Domestic rails. Turkey’s FAST system is a real-time payments rail that runs 24/7 and credits TRY transfers in seconds, up to TRY 100,000 for most consumer payments (TRY 250,000 for some business payments).
- Turkey is very comfortable with digital payments. The digital remittance and fintech market in Turkey is valued at around $7.5 billion,[2] driven by mobile payments and expats.
Now, we can actually start learning how to send money to Turkey from the UK.
For “how to top up” instructions, check the guide above.
![Best way to send money to Turkey: a red arrow pointing to the [Send Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-turkey-uk-step-1.jpg "Best way to send money to Turkey: a red arrow pointing to the [Send Money] button on Ogvio.")
![Best way to send money to Turkey: a red arrow pointing to the [Ogvio user] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-turkey-uk-step-2.jpg "Best way to send money to Turkey: a red arrow pointing to the [Ogvio user] button on Ogvio.")
That’s pretty much it. After the last step, you’ll need to check if all the details are correct and, if so, confirm the transfer.
How to Send Money From USA to Turkey
As you can guess from the chapter's title, lastly, we’ll be learning how to send money from USA to Turkey. However, just like in the previous two guides, we’ll start with some useful tips you should know.
- Expect serious lira volatility. USD/TRY moved from an annual average of ~32.8 (2024) to ~39.3 in 2025. At the moment of writing, the spot is around 42.5. Tiny timing differences can change what your recipient gets, so highlight providers that show live rates and let you lock them for 24-48 hours.
- Turkey’s FX-protected deposit scheme (KKM) is not in run-off. In 2025, the central bank stopped opening and renewing KKM accounts and is letting remaining balances mature and disappear over time. The scheme, introduced in late 2021 to shield savers from lira depreciation, is estimated to have cost close to $60 billion by the end of 2024.
- Make sure the recipient’s details match Turkish KYC reality. For bank deposits, expect to need the full name as on the bank account, TR-IBAN, and possibly a Turkish ID or tax number, depending on the provider. For cash pickup, most places require a government-issued ID and often the reference number and exact sender name.
- Large transfers can draw extra compliance scrutiny. US to Turkey flows are covered by US AML rules and Turkey’s tightening stance. Over a certain threshold, expect extra questions about the source and purpose of funds, and in edge cases, extra delays or documentation requests.
Having covered some of the main points, let’s continue with this guide on how to send money from the USA to Turkey. That said, for the last example, I’ll show you how to make a crypto transfer using Ogvio.
Before starting, though, it's worth noting that you can use Ogvio to send crypto, and your recipient in Turkey can have it paid directly to their bank account, where it’s automatically converted into their chosen fiat currency.
Ogvio only supports the Base network, like USDC. So, make sure to send the crypto on the correct chain.
That’s pretty much it. You might be excited to hear that sending cryptocurrencies like USDC from Ogvio to an external wallet does not require the sender to pass KYC verification.
Cheapest Way to Send Money to Turkey
Wanting to save as much as you can on fees is a natural instinct that people have. Therefore, here are some of the cheapest ways to send money to Turkey, specifically the platforms to do so:
- Ogvio. Transfers between two Ogvio users are completely free of charge. In addition, at the moment of writing, there’s a campaign where all transfers have zero fees from Ogvio’s side for the upcoming month.
- Wise. Because Wise uses the mid-market rate and doesn’t apply any markup, you get the same conversion rates that are used between real banks. As a result, you can save a lot of money over time.
- Remitly. New customers often get a special rate with no transfer fee, and later pay small flat charges plus a competitive rate. You also get the delivery promise, where Remitly will refund your fees if the transfer doesn’t arrive by the estimated delivery time.
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Table: Ogvio, Wise, and Remitly fee comparison
All of the above have their own perks, but ultimately, if you want little to no fees and instant transfer speed, I would highly recommend checking out Ogvio.
Conclusions
When you’re choosing the best way to send money to Turkey, there’s no single winner for every route. Ogvio shines for low-cost, DM-style transfers, Wise and Revolut work well for cheap, transparent bank payouts, while Western Union, MoneyGram, Remitly, and Xe help when you need cash pickup, promotions, or bigger one-off payments.
The smart move is matching the service to your corridor, amount, and how your family spends lira. Check total cost (fees plus rate), real delivery times, and payout type before you click send, especially with lira’s mood swings, so your money arrives fast, safely, and with as little waste as possible.
Still deciding what to use? Give Ogvio a try with a small transfer to Turkey and watch how fast it lands. Once you’re comfortable with the flow, you can use it with more confidence for your regular payments.
Scientific References
1. Akat, S, A.: 'The Political Economy of Turkish Inflation';
2. Lucia, C., Cavaliere, L., Salvato, E., Faccia, A.:'Growth Effects of Remittance: A Case of Turkey Diaspora'.
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