The Best International Money Transfer Apps in Denmark in 2026

My picks for sending abroad from your phone

My suggestion is to start with the receiving method, then choose the app features you will use between transfers.

Repeat bank payments and foreign balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfers alongside everyday spending

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Sending from your Danish bank app

?

Lunar

Fees

Exchange Rate Markup

Transfer Speed

Visit

Card-funded family payments

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Regular mobile-money transfers

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Bank or eligible recipient-card delivery

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

Visit

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Rate alerts alongside bank payments

8.6

Xe

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

Visit

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

App preparation with cash funding

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Wise

Wise combines repeat bank payments with foreign currency balances

In my opinion, Wise suits repeat overseas bank payments when you also want to receive foreign income or manage travel money from your phone.

You can reuse recipients from previous transfers, follow payments in the transaction history and set rate alerts before arranging another conversion.

The app also handles identity checks and recipient entry, so you can manage the transfer without a separate branch visit.

Fund DKK through a bank within Denmark, using the payment instructions for your order rather than sending a SWIFT payment.

MobilePay cannot fund a Wise DKK transfer, even though it is a familiar way to move money between friends locally.

Your recipient can receive a bank payment without joining Wise, but you will need another app for cash collection.

You can hold foreign currencies, receive supported payments through account details and spend a matching balance with the Wise debit card.

That makes its multi-currency account a good fit when foreign income and overseas spending are part of the same budget.

Wise uses the mid-market rate with a separate conversion fee, with the transfer amount and payment method affecting the charge.

There is no personal monthly subscription, while the physical card costs DKK55 and some receiving or withdrawal services have additional fees.

For DKK3,000 and DKK15,000 bank payments, the figures below show the conversion fee and the amount arriving in each receiving currency.

Revolut

Revolut keeps transfers and daily spending in one place

I suggest Revolut when you want overseas payments alongside virtual cards, spending controls and everyday account transactions.

You open and verify your account in the app, then add money by an eligible bank or card payment.

Sending to another Revolut user is instant and free, while an external bank payment has its own receiving details, fee and arrival estimate.

The account lets you hold and exchange supported foreign balances, with the card spending from an available matching balance.

I like that you can keep holiday money ready without converting it back into kroner between trips, especially if you also use Revolut day to day.

Standard has no subscription and includes a DKK7,500 monthly exchange allowance, with a 1% fee on exchange above that allowance.

Standard weekend conversion adds another 1%, and Revolut uses its own exchange rate rather than guaranteeing the mid-market rate.

Card spending that needs conversion and conversions for transfers can use the same allowance, so assess your total monthly use.

Paid plans change allowances and add features, but I suggest upgrading only when those benefits justify the subscription.

Bank funding is free, while some commercial or non-EEA card funding can cost extra, alongside applicable international payment charges.

The transfer quotes below show how fees and exchange-rate differences affect what reaches the recipient, before deciding whether a paid plan suits your wider use.

Lunar

Lunar lets you send abroad from your Danish bank app

If Lunar is already your bank, I suggest trying its international payment function before opening another account for an occasional bank transfer.

You enter the recipient's IBAN or bank identifier, choose the receiving currency and debit account, then authorise the instruction with MitID.

The payment sits alongside your normal banking, with spending notifications, card controls and budgeting functions available in the same app.

This removes a separate wallet-funding step, but Lunar remains a Danish bank account rather than an account for holding numerous foreign currencies.

Its international transfer function suits bank-account recipients, while cash collection or mobile-money delivery needs a different service.

Lunar's current tariff charges 0.5% for conversion on international transfers, separate from the sending fee.

Sending euros has no transfer fee, while SEK and NOK transfers cost DKK30 and other supported currencies cost DKK50.

Light has no monthly subscription, while Standard, Plus and Unlimited cost DKK39, DKK79 and DKK149 per month respectively.

Those plans have the same international transfer tariff, so I would not buy a paid account expecting it to remove the sending charge.

Card spending abroad has separate pricing, which should not be confused with the cost of sending money to another bank.

My suggestion is to retain Lunar for the convenience of your existing bank account, with the app's arrival estimate deciding whether it fits an urgent payment.

Remitly

Remitly suits card-funded family payments with local delivery

I think Remitly is a good fit when family need cash collection or a supported local wallet, and you want to fund the payment by card.

You create your account, select the destination and receiving method, then enter the recipient before confirming the order.

Recent transfers stay on the home screen, with transfer details and history helping you follow a payment or repeat it later.

Updates let you tell your recipient when the money is ready, without asking them to open their own Remitly account.

Danish personal funding uses eligible debit or credit cards, with Apple Pay or Google Pay available where offered.

I suggest another option when funding directly through a Danish bank transfer is essential, because that is not the verified personal payment route.

A credit card can also add an issuer charge, even when the app's own transfer fee looks low.

Remitly charges through the transfer fee and exchange rate, with delivery and funding choices changing the final price.

There is no required transfer subscription, but the first-transfer promotion should not be treated as the cost of every future payment.

For regular family support, my suggestion is to judge the repeat price and receiving method together rather than choose only on the opening offer.

For card-funded family payments, Remitly's fee and exchange-rate margin determine what reaches your recipient at each of these kroner budgets.

Taptap Send

Taptap Send keeps repeat mobile-money payments straightforward

I think Taptap Send is worth considering when your family already receive money through a supported local wallet, and that receiving method fits their everyday spending.

The app lets you choose saved recipients or add someone from your contacts, then review their details before paying.

You can follow the transfer and use in-app support, which helps keep repeat remittances together rather than starting each payment from scratch.

Bank deposits and cash collection are also available on selected routes, so the recipient's options depend on where you send.

Eligible debit cards can fund Danish transfers, with credit and prepaid cards also supported under the current Denmark card rules.

It does not provide a Danish everyday bank account or a travel card, which keeps its role focused on sending money home.

There is no required monthly subscription, while the transfer fee and exchange-rate margin depend on the destination and delivery method.

Some routes have no separate sending fee, but the exchange rate still affects how much your family receives.

For mobile-money delivery, recipient withdrawal charges can add to the cost when they need cash rather than wallet spending.

The fee and exchange-rate margin below let you judge Taptap's delivered amount without treating a zero sending fee as free conversion.

TransferGo

TransferGo gives you bank and eligible card delivery choices

TransferGo is a good fit when your recipient can receive money through a supported card or bank route, and you want to choose within the app.

Its calculator brings together the receiving amount, fee and arrival time, with transfer-type choices available before you confirm.

You add a recipient, review the payment details and fund the order from an account or card in your own name.

For bank funding, use the supplied account details and unique transfer reference so the payment can be matched to your order.

The Transactions screen shows progress, with delivery updates helping you keep track of money sent to regular recipients.

Denmark supports DKK sending, but that does not establish every receiving method for every destination in the app.

I suggest choosing it for its transfer flow rather than assuming a Danish spending card or multi-currency account is included.

The fee, exchange rate and delivery choice determine the transfer cost, with account extras assessed separately if offered to you.

For a time-sensitive payment, I suggest weighing the receiving method and arrival estimate against the amount delivered instead of automatically choosing the lowest headline fee.

Xe

Xe adds rate alerts to your bank-transfer app

In my opinion, Xe is worth considering when watching a currency before sending is part of your routine, because rate alerts and charts sit alongside the transfer function.

You can follow market movements, arrange a bank payment and track its status from the same account.

The converter's market rate is a reference point, while the actual transfer uses Xe's quoted rate and any sending charge.

Danish signup supports MitID verification, with another identity-check route available when you do not have MitID.

That makes it an option for residents who need a transfer account without assuming one Danish digital identity method is compulsory everywhere.

European funding options include bank or wire payments and eligible debit or credit cards, with the available methods shown for your order.

Xe's app provides biometric access and support, but it is not a multi-currency account with a spending card.

The exchange-rate margin and transfer fee decide the price, while card issuer or intermediary charges can add to the total.

My suggestion is to use the alerts to plan a payment, rather than assume they let you predict the best day to convert your money.

Western Union

Western Union connects app preparation with cash funding

Western Union is my pick when you want to prepare a payment on your phone but hand over cash at a staffed agent.

You select Pay in Cash, use the app's map to find an agent and confirm the transaction details when you arrive.

After paying, you receive the MTCN tracking number, while the app keeps the transfer and saved recipient details available for later payments.

You can also pay remotely using supported Trustly bank funding, cards or Google Pay, so cash is one option rather than a requirement.

Receiving methods include cash collection, bank accounts and supported wallets, depending on your destination and order.

For cash collection, the recipient's name needs to match their identification, and the agent must be open when they want to collect.

FOREX shops provide a Danish Western Union sending route, although the counter price can differ from an online order.

The transfer fee and exchange-rate margin both affect cost, with an additional credit-card issuer charge possible.

I suggest using it for the app-to-agent flexibility, rather than assuming the free app means free international sending.

Cheapest apps for transfers from Denmark

The best price changes with the destination and amount, so I suggest checking what arrives after conversion rather than only the sending fee.

These DKK3,000 and DKK15,000 examples compare available quotes across eight destinations, including overseas bank payments and family-transfer routes.

Amount

AmountDKK 3,000DKK 15,000Custom

Last updated at 16/10/2026

DKK GBP

Mid Market Rate 1 kr = 0,1129 £1 kr = 0,1129 £

Transfer Amount 3.000 kr15.000 kr

1

Revolut

2

Currencies Direct

3

Wise

1

Wise

2

Currencies Direct

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / GBP

337,34 £

2,95 kr

0.1126

0.28%

Within minutes

Bank transfer

Visit

DKK / GBP

337,20 £

0,00 kr

0.1124

0.46%

Minutes - 24 hours

Bank transfer

Visit

DKK / GBP

336,94 £

16,22 kr

0.1129

0.02%

Within a week

Bank transfer

Visit

DKK / GBP

1.687,45 £

60,45 kr

0.1130

-0.05%

Within a week

Bank transfer

Visit

DKK / GBP

1.686,00 £

0,00 kr

0.1124

0.48%

Minutes - 24 hours

Bank transfer

Visit

DKK / GBP

1.683,00 £

0,00 kr

0.1122

0.66%

Minutes - 24 hours

Debit card

Visit

DKK EUR

Mid Market Rate 1 kr = €0.13381 kr = €0.1338

Transfer Amount 3.000 kr15.000 kr

1

Revolut

2

Remitly

3

Wise

1

Wise

2

Currencies Direct

3

Western Union

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / EUR

€400.06

0,00 kr

0.1334

0.29%

Within minutes

Bank transfer

Visit

DKK / EUR

€399.90

0,00 kr

0.1333

0.36%

Within minutes

Debit card

Visit

DKK / EUR

€399.36

14,84 kr

0.1338

-0.01%

Within a week

Bank transfer

Visit

DKK / EUR

€1,999.47

54,29 kr

0.1338

-0.02%

Within a week

Bank transfer

Visit

DKK / EUR

€1,996.50

0,00 kr

0.1331

0.51%

Minutes - 24 hours

Bank transfer

Visit

DKK / EUR

€1,995.75

0,00 kr

0.1330

0.58%

Minutes - 2 days

Debit card

Visit

DKK USD

Mid Market Rate 1 kr = 0,1501 $1 kr = 0,1503 $

Transfer Amount 3.000 kr15.000 kr

1

Revolut

2

Currencies Direct

3

Wise

1

Wise

2

Currencies Direct

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / USD

448,25 $

6,35 kr

0.1497

0.30%

Within a week

Bank transfer

Visit

DKK / USD

448,20 $

0,00 kr

0.1494

0.50%

Minutes - 24 hours

Bank transfer

Visit

DKK / USD

447,40 $

20,06 kr

0.1501

0.03%

Within a week

Bank transfer

Visit

DKK / USD

2.244,48 $

63,10 kr

0.1503

-0.02%

Within a week

Bank transfer

Visit

DKK / USD

2.242,50 $

0,00 kr

0.1495

0.51%

Minutes - 24 hours

Bank transfer

Visit

DKK / USD

2.239,50 $

0,00 kr

0.1493

0.65%

Minutes - 24 hours

Debit card

Visit

DKK PLN

Mid Market Rate 1 kr = 0,5847 zł1 kr = 0,5847 zł

Transfer Amount 3.000 kr15.000 kr

1

Western Union

2

Revolut

3

Remitly

1

Western Union

2

Wise

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / PLN

1.750,78 zł

0,00 kr

0.5836

0.19%

Minutes - 2 days

Debit card

Visit

DKK / PLN

1.745,09 zł

5,25 kr

0.5827

0.35%

Within minutes

Bank transfer

Visit

DKK / PLN

1.744,50 zł

0,00 kr

0.5815

0.55%

Within minutes

Debit card

Visit

DKK / PLN

8.753,90 zł

0,00 kr

0.5836

0.19%

Minutes - 2 days

Debit card

Visit

DKK / PLN

8.731,96 zł

65,35 kr

0.5847

0.00%

Within a week

Bank transfer

Visit

DKK / PLN

8.730,00 zł

0,00 kr

0.5820

0.47%

Minutes - 24 hours

Debit card

Visit

DKK TRY

Mid Market Rate 1 kr = 7,4371 ₺1 kr = 7,4361 ₺

Transfer Amount 3.000 kr15.000 kr

1

Western Union

2

TapTap Send

3

Currencies Direct

1

TapTap Send

2

Currencies Direct

3

Wise

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / TRY

22.617,36 ₺

0,00 kr

7.5391

-1.36%

Minutes - 2 days

Debit card

Visit

DKK / TRY

22.194,00 ₺

0,00 kr

7.3980

0.53%

Minutes

Debit card

Visit

DKK / TRY

22.193,40 ₺

0,00 kr

7.3978

0.53%

Minutes - 24 hours

Bank transfer

Visit

DKK / TRY

110.970,00 ₺

0,00 kr

7.3980

0.51%

Minutes

Debit card

Visit

DKK / TRY

110.967,00 ₺

0,00 kr

7.3978

0.52%

Minutes - 24 hours

Bank transfer

Visit

DKK / TRY

110.747,49 ₺

66,13 kr

7.4159

0.27%

Within a week

Bank transfer

Visit

DKK INR

Mid Market Rate 1 kr = 14,2702 ₹1 kr = 14,2692 ₹

Transfer Amount 3.000 kr15.000 kr

1

Profee

2

Remitly

3

TapTap Send

1

Profee

2

TapTap Send

3

Remitly

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / INR

43.159,00 ₹

0,00 kr

14.3863

-0.81%

Minutes - 24 hours

Debit card

Visit

DKK / INR

42.870,00 ₹

0,00 kr

14.2900

-0.14%

Within a week

Debit card

Visit

DKK / INR

42.720,00 ₹

0,00 kr

14.2400

0.21%

Minutes

Debit card

Visit

DKK / INR

215.580,13 ₹

0,00 kr

14.3720

-0.72%

Minutes - 24 hours

Debit card

Visit

DKK / INR

213.600,00 ₹

0,00 kr

14.2400

0.20%

Minutes

Debit card

Visit

DKK / INR

213.450,00 ₹

0,00 kr

14.2300

0.27%

Within a week

Debit card

Visit

DKK PHP

Mid Market Rate 1 kr = 9,4657 ₱1 kr = 9,4705 ₱

Transfer Amount 3.000 kr15.000 kr

1

Western Union

2

Remitly

3

TapTap Send

1

Wise

2

TapTap Send

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / PHP

28.860,94 ₱

0,00 kr

9.6203

-1.62%

Minutes - 2 days

Debit card

Visit

DKK / PHP

28.348,50 ₱

0,00 kr

9.4495

0.17%

Within minutes

Debit card

Visit

DKK / PHP

28.230,00 ₱

0,00 kr

9.4100

0.59%

Minutes

Debit card

Visit

DKK / PHP

141.241,53 ₱

84,19 kr

9.4693

0.01%

Within a week

Bank transfer

Visit

DKK / PHP

141.150,00 ₱

0,00 kr

9.4100

0.64%

Minutes

Debit card

Visit

DKK / PHP

141.141,00 ₱

0,00 kr

9.4094

0.65%

Minutes - 24 hours

Debit card

Visit

DKK PKR

Mid Market Rate 1 kr = 41,596 Rs1 kr = 41,5737 Rs

Transfer Amount 3.000 kr15.000 kr

1

Remitly

2

Western Union

3

TapTap Send

1

TapTap Send

2

Remitly

3

Western Union

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

DKK / PKR

125.790,00 Rs

0,00 kr

41.9300

-0.80%

Within minutes

Debit card

Visit

DKK / PKR

125.759,10 Rs

0,00 kr

41.9197

-0.78%

Minutes - 2 days

Debit card

Visit

DKK / PKR

125.340,00 Rs

0,00 kr

41.7800

-0.44%

Minutes

Debit card

Visit

DKK / PKR

626.700,00 Rs

0,00 kr

41.7800

-0.49%

Minutes

Debit card

Visit

DKK / PKR

625.800,00 Rs

0,00 kr

41.7200

-0.35%

Within minutes

Debit card

Visit

DKK / PKR

620.565,35 Rs

0,00 kr

41.3710

0.49%

Minutes - 2 days

Debit card

Visit

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For regular payments, the cheapest ways to send money abroad from Denmark can help you focus on costs beyond the app's extra features.

For a large planned bank payment, international money transfer services in Denmark also covers brokers offering personal support.

Danish funding details that change your choice

MobilePay does not replace international app funding

MobilePay is familiar for local payments, but that does not make it a funding method for every overseas transfer app.

Wise explicitly excludes MobilePay for DKK funding, while Remitly's Danish personal service uses cards rather than a standard bank-transfer payment.

My suggestion is to choose the app around the payment method you actually want to use, especially when your bank or card adds its own charges.

MitID and bank verification

Lunar uses MitID for Danish payment authorisation, while Xe supports it for identity verification alongside another verification route.

Other apps can request identification or bank security checks without requiring you to open a new Danish bank account.

For a first payment, complete those checks before relying on a short arrival estimate for an urgent international transfer.

Sending euros still involves converting kroner

A free EUR SEPA transfer is not the same as free DKK conversion, because you may still pay to obtain the euros first.

Revolut's exchange allowance and Lunar's conversion tariff illustrate why the sending charge alone is not enough to choose between them.

I suggest including the subscription, conversion and transfer costs that apply to your own payment rather than comparing only the word free.

What about local and Nordic phone-number payments?

For ordinary payments between friends in Denmark, MobilePay can be a simpler fit than opening an international transfer account.

Its supported cross-border function sends to participating MobilePay or Vipps users in Sweden, Norway and Finland using their phone number.

The current sending charge is 4%, with your bank's conversion rate also affecting a cross-currency payment.

That is a narrower Nordic recipient-network service, rather than a replacement for worldwide bank deposits or family cash delivery.

My suggestion is to use it when the phone-number payment is the main benefit, and compare another route when the recipient simply needs a bank deposit.

How to send abroad through a Danish app

Enter your destination and DKK amount below to compare available transfer prices from Denmark before choosing how to send.