Send money to France
InstaReM
Rate 0.8873 · Fee free
You send
$1,000
Estimated receipt
€887
€41 more than the lowest estimate · 0.15% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: InstaReM ranks first of 20 for 1,000 USD → EUR: 887.28 EUR estimated. 40.94 EUR separates first from last.
Latest pricing observation: . Oldest observation used: . Quotes are kept per USD→EUR pair, not per country, so check is served before you commit. Methodology.
What is the cheapest way to send USD to EUR?
Sending $1,000 to France, ranked by estimated payout.
Source: our collected quotes
Effectively tied · rated 4.4
0.8836
Free
€883.55
Send
0.8810
Free
€880.97
Send
0.8801
$0.99
€879.22
Send
0.8696
$2.49
€867.44
Send
0.8620
Free
€861.96
Send
Chase (US)
1-3 business days
€859.65
recipient gets
0.8567
Free
€856.72
Send
0.8697
$15.00
€856.64
Send
Estimated payout difference: €40.94 between first and last on $1,000.
France receives significant remittances from North African (Moroccan, Algerian, Tunisian) and Sub-Saharan African diaspora communities, as well as from French nationals living abroad. French IBANs (FR format, 27 characters) are used for all EUR transfers via SEPA. La Banque Postale — operated by France's postal service — has the widest branch network in France with over 17,000 locations, making it accessible even in rural areas.
- French IBANs are 27 characters: FR + 2 check digits + 5-digit bank code + 5-digit branch code + 11-digit account number + 2-digit check key. BNP Paribas, Crédit Agricole, Société Générale, and La Banque Postale are the four largest banks.
- SEPA Instant is supported by major French banks including BNP Paribas, LCL, and La Banque Postale — transfers arrive in under 10 seconds. Standard SEPA Credit Transfer arrives next business day.
- Lyf Pay and Lydia are popular French mobile payment apps for peer-to-peer transfers, though they don't directly accept international inbound transfers — recipients typically use their linked bank account.
- The Banque de France and ACPR (Autorité de Contrôle Prudentiel et de Résolution) regulate all financial services in France.
- France has the largest North African diaspora in Europe — over 3 million people of Moroccan, Algerian, and Tunisian origin — making France a major receive country for family transfers from the Maghreb.
Which provider offers the best USD to EUR rate?
InstaReM
4.0Exchange rate
0.8873
Fee
Free
Recipient gets
€887.28
Speed
1-3 business days
Crypto & stablecoin routes for USD → EUR
Each is a fiat on-ramp → blockchain → local cash-out, not a one-tap transfer. All-in cost below.
KrakenBeats mid-market
Coinbase → Stellar (USDC) → Kraken (CCXT) · ~5 seconds
889 EUR
0.18% rebate all-in
+
KrakenBeats mid-market
Coinbase → Stellar (USDC) → Kraken (CCXT) · ~5 seconds
889 EUR
0.18% rebate all-in
- 1Coinbase USD→USDC: FREE
- 2Stellar network: 0.000001 USDC
- 3Kraken (CCXT): 0.01% spread
- 40.09 EUR withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Avalanche (USDC).
Source: CCXT (kraken)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
Guides, fees & how it works
Which provider suits each USD→EUR transfer?
InstaReM currently delivers the most EUR on this route, while Wise is the fastest.
Cheapest transfer
InstaReM
Delivers the most EUR for your money
Fastest transfer
Wise
Delivers in Instant
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to France
What you need to send money to France
Full name
Recipient's full legal name as it appears on their bank account
IBAN
27-character IBAN starting with 'FR'
Example: FR7630006000011234567890189
Bank name
Name of the receiving bank
SWIFT/BIC code
Optional8 or 11-character SWIFT code identifying the bank (may be optional with IBAN)
Transfer examples: USD to EUR
Send $500
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| InstaReM0.89 · 1-3 business days | Free | 0.89 | €444 | 1-3 business days |
| Revolut0.89 · 0-1 days | $0.75 | 0.89 | €443 | 0-1 days |
| Wise0.89 · Instant | $1.35 | 0.89 | €443 | Instant |
| TapTap Send0.88 · Under 3 minutes (95% of transfers) | Free | 0.88 | €440 | Under 3 minutes (95% of transfers) |
| LemFi0.88 · Minutes to 1 business day | Free | 0.88 | €440 | Minutes to 1 business day |
| XE Money Transfer0.88 · 0-3 days | Free | 0.88 | €439 | 0-3 days |
Send $1,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| InstaReM0.89 · 1-3 business days | Free | 0.89 | €887 | 1-3 business days |
| Revolut0.89 · 0-1 days | $1.50 | 0.89 | €886 | 0-1 days |
| XE Money Transfer0.88 · 0-3 days | Free | 0.88 | €884 | 0-3 days |
| Wise0.89 · Instant | $5.47 | 0.89 | €884 | Instant |
| TapTap Send0.88 · Under 3 minutes (95% of transfers) | Free | 0.88 | €881 | Under 3 minutes (95% of transfers) |
| Remitly0.88 · Minutes to 3-5 days | $2.99 | 0.88 | €880 | Minutes to 3-5 days |
Send $5,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Revolut0.89 · 0-1 days | $1.50 | 0.89 | €4,436 | 0-1 days |
| Wise0.89 · Instant | $5.47 | 0.89 | €4,439 | Instant |
| InstaReM0.89 · 1-3 business days | Free | 0.89 | €4,436 | 1-3 business days |
| Remitly0.89 · Minutes to 3-5 days | $2.99 | 0.89 | €4,422 | Minutes to 3-5 days |
| XE Money Transfer0.88 · 0-3 days | Free | 0.88 | €4,417 | 0-3 days |
| CurrencyFair0.88 · 0-6 days | $3.40 | 0.88 | €4,414 | 0-6 days |
How much does it cost to send money to France?
Of the 20 estimates we hold for $1,000 USD to EUR, 9 charge no transfer fee and 11 charge between $0.99 and $15.00. Their exchange rates sit 0.00% to 4.28% above the mid-market rate (median 1.42%), a spread worth 38 EUR on this amount.
A steady pair: just 4.2 points apart; today's "great" is typical. Best payout day InstaReM (1 October 2026), worst TapTap Send (11 April 2026).
How can my recipient receive money in France?
Recipients in France have 3 ways to receive this transfer: sepa transfer; bank deposit; cash pickup.
SEPA Transfer
Fast SEPA bank transfer within the Single Euro Payments Area.
Bank Deposit
Direct transfer to bank accounts in France.
Cash Pickup
Collect cash from agent locations in France.
How long does it take to send money to France?
10 of the 21 providers quoting USD to EUR advertise delivery within minutes (Wise, TapTap Send, Remitly); 11 quote longer, such as InstaReM at 1-3 business days on USD to EUR.
Provider-stated speeds for France, not our measurement.
- WiseInstant
- TapTap SendUnder 3 minutes (95% of transfers)
- RemitlyMinutes to 3-5 days
- LemFiMinutes to 1 business day
- Western UnionMinutes to 5 days
- InstaReM1-3 business days
- Revolut0-1 days
- XE Money Transfer0-3 days
- CurrencyFair0-6 days
- Currencies Direct0.5-1.5 days
Exceptional time to send
SendScoreBest rate +2.01% vs the 30-day average, near the 90-day high. Rates are improving — +1.01% week on week. Today's best beats the median provider by +3.15%.
- 40%near the 90-day high
- 25%+2.01% vs the 30-day average
- 20%today's best beats the median provider by +3.15%
- 15%improving — +1.01% week on week
Who is usually cheapest here
InstaReM delivered the most on 89 of the last 91 days it quoted here (98%); InstaReM is today's best too.
- 98%InstaReM — cheapest on 89 of 91 days it quoted
- 2%TapTap Send — cheapest on 2 of 91 days it quoted
- 0%LemFi — cheapest on 0 of 91 days it quoted
- 0%Revolut — cheapest on 0 of 90 days it quoted
91 contested days of 91; single-quote days excluded for USD→EUR. See every corridor.
USD→EUR: 196 days of our recorded provider rates
USD to EUR Exchange Rate History
Per 100 USD sent, last 14 of 196 days.
| Date | Xoom (PayPal) | InstaReM | Wise | __mid Market__ | MoneyGram |
|---|---|---|---|---|---|
| Trend | |||||
| Oct 3 | 0.8065 | 0.8873 | 0.8887 | 0.8887✓ | 0.8777 |
| Oct 2 | 0.8065 | 0.8873 | 0.8887 | 0.8887✓ | 0.8777 |
| Oct 1 | 0.8037 | 0.8881 | 0.8894✓ | 0.8894 | 0.8717 |
| Sep 30 | 0.8001 | 0.8811 | 0.8825 | 0.8825✓ | 0.8733 |
| Sep 29 | 0.8000 | 0.8803 | 0.8817 | 0.8817✓ | 0.8703 |
| Sep 28 | 0.7980 | 0.8781 | 0.8793✓ | 0.8793 | 0.8693 |
| Sep 27 | 0.7970 | 0.8773 | 0.8787✓ | 0.8787✓ | 0.8693 |
| Sep 26 | 0.7970 | 0.8765 | 0.8778 | 0.8779✓ | 0.8693 |
| Sep 25 | 0.7974 | 0.8765 | 0.8778✓ | 0.8778✓ | 0.8705 |
| Sep 24 | 0.7967 | 0.8774 | 0.8789✓ | 0.8789✓ | 0.8634 |
| Sep 23 | 0.7948 | 0.8771 | 0.8784✓ | 0.8784✓ | 0.8634 |
| Sep 22 | 0.7926 | 0.8720 | 0.8735✓ | 0.8735✓ | 0.8624 |
| Sep 21 | 0.7911 | 0.8708 | 0.8721✓ | 0.8721✓ | 0.8619 |
| Sep 20 | 0.7905 | 0.8691 | 0.8707✓ | 0.8707✓ | 0.8619 |
Frequently asked questions
Common questions about sending money to France
What is the cheapest way to send money to France?
From the UK, the measured GBP to EUR leader is TapTap Send, which led on 49 of the last 91 days we could compare. For Moroccan or Algerian senders in France receiving from family, providers like Remitly, WorldRemit, and Western Union also offer competitive rates. For USD-to-EUR transfers, OFX and Wise are both very competitive.
What IBAN format do French banks use?
French IBANs are exactly 27 characters: FR + 2 check digits + 5-digit code banque + 5-digit code guichet + 11-digit account number + 2-digit clé RIB. Example: FR7630006000011234567890189. BNP Paribas bank code is 30004, Crédit Agricole varies by region, Société Générale is 30003, La Banque Postale is 20041.
How long does a transfer to a French bank take?
SEPA Instant transfers to French banks arrive in seconds. Standard SEPA Credit Transfer arrives next business day. Wise delivers to BNP Paribas, Société Générale, and most French banks using SEPA Instant where supported. International SWIFT wires take 1–3 business days before the SEPA leg inside France.
Can I send money to La Banque Postale in France?
Yes. La Banque Postale accepts all standard SEPA transfers and SWIFT wires. Its IBAN starts with FR + bank code 20041. With over 17,000 post office locations, it is especially useful for recipients in smaller towns and rural areas who don't have easy access to traditional bank branches.
Are there taxes on money received in France?
France has gift tax (droits de donation) with exemptions of €100,000 per parent per child every 15 years. Regular family support transfers are not generally subject to tax. French tax residents must declare foreign assets above €10,000 and foreign accounts — but routine family remittances under exemption thresholds are not taxable. Consult a French notaire or tax advisor for large transfers.
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