Send money from United States to Europe(USD → EUR)

Wise and OFX consistently offer the best total cost for USD to EUR transfers. Wise charges the real mid-market exchange rate — the same rate you see on Google — with a transparent fee of approximately 0.5–0.7%, costing around $5–$7 on a $1,000 transfer. OFX charges zero fees with a small exchange rate spread of around 0.4–0.8%, making it particularly competitive for transfers over $5,000. CurrencyFair and XE are also strong options. By comparison, US banks charge $25–$50 per wire plus a 2–3% FX markup, totaling $45–$80 on the same $1,000 transfer — 7–10 times more expensive. For the absolute lowest total cost, fund your transfer via ACH bank debit rather than debit or credit card.

Specialist providers using SEPA (Single Euro Payments Area) can deliver EUR to most European bank accounts within 1 business day. SEPA transfers are the fastest and cheapest routing option for EUR deliveries in the Eurozone. Wise and Revolut typically complete USD to EUR transfers within 1–2 business days. Traditional US bank SWIFT wires to Europe take 2–4 business days and may route through correspondent banks that deduct intermediary fees of $10–$25 even after the transfer has been sent. For urgent transfers, debit card funding with Wise or Revolut can accelerate delivery to the same day in some cases.

Some European banks charge incoming international wire fees of €5–€20 per transaction, and may apply their own exchange rate if the transfer arrives in USD rather than EUR. Sending EUR directly from your US transfer provider avoids the receiving bank's currency conversion markup. Specialist providers like Wise and OFX route your transfer through the SEPA network, sending EUR directly so your recipient's European bank receives the money in its home currency without additional conversion fees. Always confirm with your recipient which account they want to receive funds in — a EUR account receives SEPA transfers without conversion charges.

For transfers above $5,000, OFX and XE offer zero transfer fees with competitive exchange rate spreads, making them the most cost-effective options. OFX provides a dedicated dealer service and can often negotiate better rates for transfers over $10,000. Currencies Direct and moneycorp are also strong choices for large EUR transfers. For very large amounts ($50,000+), using a forward contract to lock in today's exchange rate for a future payment can protect against adverse USD/EUR movements. Wise also handles large transfers well — their fee structure caps the percentage-based component, so the total cost as a percentage of the transfer amount decreases as the amount increases.

You can send money to all 27 EU member states plus Norway, Switzerland, Iceland, and Liechtenstein through the SEPA network using specialist transfer services. This covers all major European destinations including Germany, France, Spain, Italy, Netherlands, Portugal, Poland, Austria, Belgium, and more. For non-SEPA European countries such as the UK, Serbia, or Turkey, transfers still go through but may route via SWIFT rather than SEPA. Most specialist providers support bank-to-bank transfers across the entire continent. Always verify that your provider supports the specific country and currency pair before initiating a large transfer.