Send money from Denmark to France(DKK → EUR)

Wise is consistently the cheapest option for DKK→EUR transfers from Denmark. It uses the real mid-market exchange rate with a transparent 0.4–0.9% fee — meaning no hidden FX spread. Revolut is competitive for standing balances: it's free to exchange up to EUR 1,000/month on the Standard plan and 0.5% above, so for regular smaller transfers it can beat Wise. Lunar (Danish fintech) and Pleo (for business users) also offer competitive SEPA pricing. Danske Bank and Nordea are not price-competitive for third-party transfers: Danske charges around DKK 50 per SEPA plus 1.5–3% FX markup, and Nordea has similar pricing. On a DKK 37,000 (~EUR 5,000) property deposit, the gap between Wise and Danske Bank is typically EUR 70–120 — material but not catastrophic because of the stable ERM II peg. Always request SEPA routing (not SWIFT) on the outbound side — some French receiving banks charge EUR 10–25 on SWIFT inbound wires but nothing on SEPA.

Yes — it's one of the most stable FX pairs in Europe. Denmark participates in the Exchange Rate Mechanism II (ERM II), the EU's formal pre-euro currency regime, with a central rate of 7.46038 DKK per EUR and a narrow ±2.25% fluctuation band. That's the tightest band permitted under ERM II (most ERM II participants use ±15%) and reflects a policy commitment by Danmarks Nationalbank to defend the peg through unlimited intervention if necessary. In practice the rate rarely moves more than 0.5% from centre in any given quarter. For DKK→EUR transfers this means the timing decision is unusually low-stakes — waiting a week to send DKK 100,000 is unlikely to swing the EUR received by more than EUR 200. The competitive gap is therefore dominated by provider fees and FX markup, not by market movement.

Under 10 seconds, 24/7/365. SEPA Instant Credit Transfer delivers funds to the recipient's French account in real time, up to EUR 100,000 per transaction, any day of the year including weekends and public holidays. Denmark joined SEPA Instant in April 2025 when Danmarks Nationalbank migrated DKK accounts to TARGET Services (TIPS). All major French banks — BNP Paribas, Crédit Agricole, Société Générale, Crédit Mutuel, La Banque Postale — have been mandated to support SEPA Instant receipt since January 2025 under EU regulation, and must offer free outgoing SEPA Instant by October 2025. For property purchases or other transfers above EUR 100,000, you'll need to split the transfer across multiple SEPA Instant runs or use standard SEPA (next business day) or SWIFT (1–3 business days). Wise and Revolut both support SEPA Instant routing when the receiving French bank supports it.

For a property deposit (typically 10% of purchase price — usually EUR 20,000–100,000), Wise's large-transfer service is the best combination of cost and speed: mid-market rate, ~0.4–0.9% fee, SEPA Instant routing where supported, full traceability with your notaire. For amounts above EUR 100,000 (the SEPA Instant per-transaction limit), either split across multiple transfers on the same day or use Wise's standard SEPA (1 business day) or Danske Bank SWIFT for the larger single-transaction amount. Important: your French notaire will typically require funds in the notarial trust account (compte séquestre) at least 2–3 business days before signing, so don't cut timing too fine. The notaire will issue an attestation of funds once received, which you may need for your Danish tax records. Property purchases above EUR 50,000 may need documented source of funds — keep the Wise or Danske Bank confirmation and the Danish tax return or payslip that generated the savings.

For personal transfers between your own Danish and French bank accounts, there is no Danish or French tax — you are moving your own post-tax money. For gifts (parent to child, between spouses etc.), French gift tax applies above specific thresholds with 15-year abattement cycles: EUR 100,000 between parent and child, EUR 80,724 between spouses, EUR 31,865 between grandparents and grandchildren. A gift from a Danish tax resident to a French tax resident must be declared in France via CERFA form 2735 SD within one month. Danish gift tax allowances for 2026 are roughly DKK 80,600 (~EUR 10,800) per year to descendants tax-free and DKK 28,200 to spouses — amounts above this are taxed at 15% under Danish rules. Property purchases are automatically reported to French tax authorities via the notaire. For business payments (invoice settlement between Danish company and French supplier), standard VAT reverse-charge rules apply and there is no additional transfer tax.