The Best International Money Transfer Apps in Spain in 2026

Table of Contents

Last updated on October 16th, 2026Why trust usDisclosure

Table of Contents

For sending money to family, I suggest considering Remitly around the receiving options, or Western Union when you need to pay cash in Spain.

Wise is my pick for foreign bank payments, while Revolut combines transfers with the account and card features you use between payments.

If you already have Santander, its app also deserves a price check because international digital payments have no issuing commission.

At a glance

Remitly: Choosing how your family receives money.
Wise: Foreign bank payments and currency balances.
Western Union: Starting on your phone and paying cash.
Revolut: Transfers beside your everyday spending.
Santander: Sending from your Santander account.
Taptap Send: Saved recipients and mobile-money delivery.
TransferGo: Bank or eligible recipient-card payments.
Xe: Rate alerts and bank-transfer tracking.

My picks for sending money from Spain

The strongest app is the one that fits your funding method and gives the recipient a way to use the money.

Choosing how your family receives money

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

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

Foreign bank payments and currency balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

Transfer Speed

Minutes - 24 hours

"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."

Starting on your phone and paying cash

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Transfers beside your everyday spending

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

"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 Santander account

Santander

Fees

Exchange Rate Markup

Transfer Speed

Saved recipients and mobile-money delivery

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

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

Bank or eligible recipient-card payments

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

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

Rate alerts and bank-transfer tracking

8.6

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

"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."

Remitly

Remitly lets you choose around your family's receiving needs


Available on	iOS and Android
App store rating	4.8/5 (110k+ ratings)
Google play rating	4.8/5 (1.6m+ reviews)

I think Remitly is a good fit when someone needs a cash-collection location or supported wallet, rather than another app account to manage.

You set the destination and receiving method first, then add the recipient's details before authorising the transfer.

The app keeps the payment status on the home screen, so you can follow progress and update the person receiving it.

From Spain, you can pay with an eligible debit or credit card, Apple Pay, Google Pay or an offered bank-account method.

Pay from an account in your name using the order's instructions, keeping those funding details separate from your recipient's bank account.

The recipient does not need a Remitly account, although cash collection requires the correct identity and collection details.

My suggestion is to choose the receiving partner around where your family lives, rather than making them travel farther for a slightly cheaper quote.

The cost includes a transfer fee and exchange-rate margin, with funding and delivery choices changing the final amount.

There is no mandatory sending subscription, while your card issuer can add another charge.

First-transfer offers reduce the initial price, so judge regular family support using the rate and fee for repeat payments.

For €500 and €2,000 payments, the table shows how much your family receives after the quoted transfer costs.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / COP	$1,799,820.00	€0.00	3599.6400	-0.92%	Within a week	Debit card
EUR / GBP	£421.20	€0.00	0.8424	0.19%	Within minutes	Debit card
EUR / INR	₹53,005.00	€0.00	106.0100	0.56%	Within a week	Debit card
EUR / MAD	MAD 5,420.00	€0.00	10.8400	1.49%	Within a week	Debit card
EUR / MXN	$10,345.00	€0.00	20.6900	-0.04%	Within minutes	Debit card
EUR / PEN	PEN 1,912.25	€0.00	3.8245	0.99%	Within a week	Debit card
EUR / PHP	₱35,940.00	€0.00	71.8800	-1.53%	Within a week	Debit card
EUR / USD	$569.10	€0.00	1.1382	-1.38%	Within a week	Debit card

Last updated at 16/10/2026

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Remitly is worth it	Find an alternative
Choose bank, cash or supported wallet delivery	You want to hold foreign spending balances
Keep the recipient informed from app tracking	You only need a euro SEPA payment
Pay with an eligible card or bank method	You want to fund with cash in Spain

Wise

Wise suits bank payments alongside foreign income and travel money


Available on	iOS and Android
App store rating	4.8/5 (42k+ ratings)
Google play rating	4.8/5 (2m+ reviews)

I think Wise is a good fit for foreign bank payments when receiving income in that currency gives you money to use for the next bill.

The app lets you reuse recipients, review your transfer history and follow each payment's progress without rebuilding the bank details.

You can set rate alerts before converting, then see the fee and arrival estimate for the transfer you create.

Pay from an eligible bank account, card or available Wise balance, with the funding method affecting the cost.

The recipient receives a bank payment without opening Wise, but you need a different service for cash collection.

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

Keeping pounds or dollars can avoid exchanging into euros and buying the currency again, so I suggest using its multi-currency account for recurring foreign income.

Santander removes its issuing commission, while Wise separates the conversion fee from the mid-market rate, so compare the foreign amount delivered by both.

There is no personal monthly subscription, while the physical card costs €7 and some receiving or withdrawal services carry separate charges.

The table below puts the fee beside the exchange rate for €500 and €2,000 payments into the listed receiving currencies.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / COP	$1,748,729.79	€9.28	3563.6000	0.08%	Same day	Bank transfer
EUR / GBP	£419.16	€3.37	0.8440	0.00%	Within minutes	Bank transfer
EUR / INR	₹52,894.48	€3.86	106.6120	-0.01%	Within minutes	Bank transfer
EUR / MAD	MAD 5,319.96	€14.07	10.9480	0.49%	Within a week	Bank transfer
EUR / MXN	$10,251.18	€4.29	20.6798	0.01%	Within minutes	Bank transfer
EUR / PEN	PEN 1,852.18	€20.42	3.8621	0.01%	Within a week	Bank transfer
EUR / PHP	₱35,097.57	€4.14	70.7812	0.01%	Within minutes	Bank transfer
EUR / USD	$557.40	€3.87	1.1235	0.01%	Same day	Bank transfer

Last updated at 16/10/2026

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Wise is worth it	Find an alternative
Manage foreign income and bank payments together	Your recipient needs cash collection
Reuse recipients and follow transfer history	You need staff to accept cash funding
Keep a balance for overseas card spending	You want a full Spanish bank account

Western Union

Western Union connects your phone with cash funding in Spain


Available on	iOS and Android
App store rating	4.7/5 (19k+ ratings)
Google play rating	4.6/5 (24k+ reviews)

I think Western Union is worth considering when you want to prepare and follow a transfer on your phone but pay with cash at an agency.

You start the order in the app, choose the cash-funding route and complete payment at a participating location.

The saved receiver list helps with repeat transfers, while the MTCN tracking number keeps the order identifiable afterwards.

For a fully remote payment, you can also fund through an eligible bank transfer or debit or credit card.

You can set exchange-rate alerts in the app, while the finished transfer quote determines what the recipient receives.

Cash collection, bank deposits and supported wallets give the recipient different ways to get the money.

My suggestion is to check the collection location before sending, particularly when its opening hours affect how soon the recipient can use the funds.

Western Union charges a transfer fee and earns money through its exchange rate, with online and counter prices potentially differing.

There is no mandatory app subscription, and a credit-card issuer can charge separately for funding.

These €500 and €2,000 quotes show available transfer costs before you choose between online funding and a staffed cash route.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / COP	$1,801,166.00	€0.00	3602.3304	-1.00%	Minutes - 2 days	Debit card
EUR / GBP	£422.93	€0.00	0.8459	-0.22%	Minutes - 2 days	Debit card
EUR / INR	₹53,916.00	€0.00	107.8315	-1.14%	Minutes - 2 days	Debit card
EUR / MAD	MAD 5,506.66	€0.00	11.0133	-0.10%	Minutes - 2 days	Debit card
EUR / MXN	$10,543.00	€0.00	21.0855	-1.93%	Minutes - 2 days	Debit card
EUR / PEN	PEN 1,911.36	€0.00	3.8227	1.04%	Minutes - 2 days	Debit card
EUR / PHP	₱35,961.39	€0.00	71.9228	-1.59%	Minutes - 2 days	Debit card
EUR / USD	$530.24	€0.00	1.0605	5.78%	Minutes - 2 days	Debit card

Last updated at 16/10/2026

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Western Union is worth it	Find an alternative
Prepare an order before paying cash	You want a foreign-currency spending account
Save receivers and follow MTCN tracking	You only need an ordinary euro bank payment
Your recipient needs a collection location	You need collection outside the agent hours

Revolut

Revolut keeps overseas transfers beside your card spending


Available on	iOS and Android
App store rating	4.8/5 (200k+ ratings)
Google play rating	4.8/5 (4.1m+ reviews)

I’d say Revolut suits foreign bank payments alongside card spending, particularly when you want to retain travel money between trips.

You open and verify the account in the app, then manage transfers beside virtual cards and spending controls.

A payment to another Revolut user is instant and free, while an external bank transfer needs the recipient's bank details.

You can hold and exchange supported currencies, receive account payments and spend from an available matching balance.

Its multi-currency account can cover that spending routine, while Remitly or Western Union is a better fit when your family needs cash collection.

The free Standard plan includes €1,000 of monthly exchanges, with a 1% fee on amounts above that allowance.

Standard also adds 1% for weekend exchange, so the conversion timing can change a transfer or card payment's cost.

Revolut uses its own rate, and non-SEPA international transfers can have a separate payment fee.

I suggest including both travel conversions and overseas payments before assessing a paid plan, since they draw on the same exchange allowance.

Eligible bank funding is free, while commercial or non-EEA card funding can cost extra and physical-card delivery carries a charge.

For €500 and €2,000 bank payments, check the quoted recipient amount alongside your remaining allowance, particularly after exchanging money for a trip.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / COP	$1,750,367.24	€2.15	3515.8526	1.43%	Within minutes	Bank transfer
EUR / GBP	£419.63	€0.40	0.8399	0.49%	Within minutes	Bank transfer
EUR / INR	₹52,943.47	€0.40	105.9717	0.60%	Within minutes	Bank transfer
EUR / MAD	MAD 5,384.22	€2.80	10.8291	1.59%	Within a week	Bank transfer
EUR / MXN	$10,263.30	€0.45	20.5451	0.66%	Within minutes	Bank transfer
EUR / PEN	PEN 1,900.15	€2.30	3.8179	1.16%	Within minutes	Bank transfer
EUR / PHP	₱35,127.94	€0.40	70.3121	0.67%	Within minutes	Bank transfer
EUR / USD	$558.32	€0.85	1.1185	0.46%	Within minutes	Bank transfer

Last updated at 16/10/2026

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Revolut is worth it	Find an alternative
Keep transfers and spending in one account	You often exchange on weekends
Send instantly to another Revolut user	Your recipient needs cash or wallet delivery
Hold a balance for a future trip	You need a staffed cash-funding route

Santander

Santander can handle the payment from your current bank app


Available on	iOS and Android
App store rating	4.8/5 (460k+ ratings)
Google play rating	4.5/5 (470k+ reviews)

If you already have Santander, you can send international bank payments from the app that holds your Spanish account.

You can keep transfer receipts beside account movements, set payment shortcuts and manage card controls without another money app.

Santander Key handles transaction authorisation, while biometric access and account alerts help you manage access and payment activity.

The app also lets you use Bizum and review spending categories, giving it a role beyond an occasional foreign payment.

International digital payments have no issuing commission, including SWIFT payments, but foreign-currency conversion still has a cost.

My suggestion is to compare the final converted amount with a specialist app rather than assuming that zero issuing commission means zero transfer cost.

Your account or package charges remain separate, and other banks can affect the costs on an international payment.

This is a bank-account payout option, so use a remittance app when your recipient needs cash collection or mobile-money delivery.

Santander is worth it	Find an alternative
You already use Santander for banking	Your recipient needs cash collection
Keep receipts and payments beside statements	You want a specialist multi-currency debit card
Use Bizum and international bank payments together	You need a mobile-money payout

Taptap Send

Taptap Send keeps repeat family recipients ready on your phone


Available on	iOS and Android
App store rating	4.7/5 (8.2k+ ratings)
Google play rating	4.7/5 (340k+ reviews)

I suggest Taptap Send for repeated payments to a supported local wallet or receiving bank used by your family.

You can pick a saved recipient or add someone from contacts, then select the delivery method and review the payment.

The app keeps transfer status and help beside the order, which reduces the need to search through separate emails for payment details.

To send from Spain, register with an active local phone number and complete the required identity checks.

Eligible debit, credit and prepaid cards can fund transfers, with bank funding used where the app offers it.

Bank deposits, mobile wallets and cash collection depend on the destination, so start with the recipient's available options.

The price comes through a transfer fee, exchange-rate margin or both, depending on the destination and receiving method.

There is no required transfer subscription, but a wallet can charge the recipient for withdrawing cash after delivery.

I suggest judging it on regular family payments, rather than expecting a travel card or everyday currency account from the app.

Taptap Send is worth it	Find an alternative
Keep family recipients ready for repeat payments	You need an everyday spending card
Send to a supported local wallet	You want a full Spanish bank account
Track the transfer beside in-app help	You need staff to take cash funding

TransferGo

TransferGo lets you manage a bank or eligible card payout


Available on	iOS and Android
App store rating	4.7/5 (420+ ratings)
Google play rating	4.3/5 (47k+ reviews)

TransferGo suits a planned payment when you want to choose an eligible recipient bank or card and follow the order from your phone.

Its calculator shows the exchange rate, fee and arrival estimate, with funding and delivery choices available before confirming.

For bank-funded orders, the app gives you payment details and a reference to include with the payment from your own account.

You can track the order in Transactions, with delivery updates helping you check when it has finished.

Eligible card funding provides another route, while recipient-card or wallet delivery depends on the destination.

My suggestion is to check the receiving method first, particularly when paying a person who uses a card rather than a foreign bank account.

The transfer fee and exchange-rate cost change with the amount, funding method and delivery choice.

Do not pay extra for faster delivery automatically when a planned payment can use the lower-cost option.

TransferGo is worth it	Find an alternative
You want an eligible recipient-card payout	You need a Spanish travel-card account
You can fund a planned order by bank transfer	You need a staffed cash-funding route
Keep arrival estimates and status together	You want a direct Bizum payment

Xe

Xe keeps currency alerts beside bank-transfer tracking


Available on	iOS and Android
App store rating	4.8/5 (9.2k+ ratings)
Google play rating	4.5/5 (400k+ reviews)

Xe is a good fit when you want to watch a currency before arranging an overseas bank payment.

The app combines rate alerts and charts with transfer tracking, biometric access and in-app support.

Its currency converter shows reference rates, while the finished money-transfer quote gives the rate available for your payment.

I suggest using alerts to follow the currency, without treating an alert as a guarantee of the best day to exchange.

You register and complete identity checks, enter the recipient's bank details and select an eligible funding method.

European transfers can use eligible bank or card funding, with prepaid cards excluded and some first-time card access restricted.

The cost includes any transfer fee and exchange-rate margin, while a card issuer can charge for funding separately.

Xe does not replace an everyday multi-currency spending account, so I suggest Wise or Revolut when holding and spending are central to the task.

Xe is worth it	Find an alternative
Watch rates before a bank payment	You want a multi-currency debit card
Track payments beside currency charts	You need prepaid-card funding
Send to a recipient bank account	You only want a euro SEPA payment

Cheapest apps for sending from Spain

For the same destination, I suggest comparing the final amount received using the funding and delivery methods you intend to use.

The cheapest way to send money abroad can change between a bank-funded payment and cash collection, even when both start in euros.

The €500 and €2,000 quotes below cover eight destinations for checking that difference before you pay.

Amount€500€2,000

Last updated at 16/10/2026

EUR COP

Mid Market Rate €1 = $3,566.5048€1 = $3,566.5048

Transfer Amount €500€2,000

Western Union

Remitly

Instarem

TapTap Send

Western Union

Sendwave

EUR / COP

$1,801,166.00

€0.00

3602.3304

-1.00%

Minutes - 2 days

Debit card

EUR / COP

$1,799,820.00

€0.00

3599.6400

-0.92%

Within a week

Debit card

EUR / COP

$1,778,574.65

€0.00

3557.1493

0.26%

Minutes - 24 hours

Bank transfer

EUR / COP

$7,106,000.00

€0.00

3553.0000

0.38%

Minutes

Debit card

EUR / COP

$7,094,973.00

€0.00

3547.4862

0.53%

Minutes - 2 days

Debit card

EUR / COP

$7,078,185.44

€0.99

3540.8454

0.72%

Minutes - 3 days

Debit card

EUR MAD

Mid Market Rate €1 = MAD 11.0023€1 = MAD 11.0012

Transfer Amount €500€2,000

Western Union

TapTap Send

OFX

TapTap Send

Western Union

OFX

EUR / MAD

MAD 5,506.66

€0.00

11.0133

-0.10%

Minutes - 2 days

Debit card

EUR / MAD

MAD 5,500.00

€0.00

11.0000

0.02%

Minutes

Debit card

EUR / MAD

MAD 5,465.37

€0.00

10.9307

0.65%

Minutes - 24 hours

Bank transfer

EUR / MAD

MAD 22,000.00

€0.00

11.0000

0.01%

Minutes

Debit card

EUR / MAD

MAD 21,874.59

€0.00

10.9373

0.58%

Minutes - 2 days

Debit card

EUR / MAD

MAD 21,859.44

€0.00

10.9297

0.65%

Minutes - 24 hours

Bank transfer

EUR GBP

Mid Market Rate €1 = £0.844€1 = £0.8443

Transfer Amount €500€2,000

Western Union

Remitly

Currencies Direct

Western Union

Currencies Direct

Wise

EUR / GBP

£422.93

€0.00

0.8459

-0.22%

Minutes - 2 days

Debit card

EUR / GBP

£421.20

€0.00

0.8424

0.19%

Within minutes

Debit card

EUR / GBP

£419.90

€0.00

0.8398

0.50%

Minutes - 24 hours

Bank transfer

EUR / GBP

£1,691.70

€0.00

0.8459

-0.19%

Minutes - 2 days

Debit card

EUR / GBP

£1,679.80

€0.00

0.8399

0.52%

Minutes - 24 hours

Bank transfer

EUR / GBP

£1,679.71

€10.53

0.8443

0.00%

Within minutes

Bank transfer

EUR USD

Mid Market Rate €1 = $1.1231€1 = $1.1224

Transfer Amount €500€2,000

Western Union

Instarem

Currencies Direct

Currencies Direct

Wise

EUR / USD

$567.93

€0.00

1.1359

-1.13%

Minutes - 2 days

Debit card

EUR / USD

$560.95

€0.00

1.1219

0.11%

Minutes - 24 hours

Debit card

EUR / USD

$558.85

€0.00

1.1177

0.49%

Minutes - 24 hours

Bank transfer

EUR / USD

$2,234.20

€0.00

1.1171

0.47%

Minutes - 24 hours

Bank transfer

EUR / USD

$2,232.28

€10.89

1.1222

0.01%

Within 3 hours

Bank transfer

EUR / USD

$2,232.20

€0.00

1.1161

0.56%

Minutes - 24 hours

Debit card

EUR INR

Mid Market Rate €1 = ₹106.6066€1 = ₹106.5681

Transfer Amount €500€2,000

Western Union

Profee

TapTap Send

Profee

TapTap Send

Wise

EUR / INR

₹53,916.00

€0.00

107.8315

-1.14%

Minutes - 2 days

Debit card

EUR / INR

₹53,754.00

€0.00

107.5080

-0.84%

Minutes - 24 hours

Debit card

EUR / INR

₹53,255.00

€1.99

106.5100

0.09%

Minutes

Debit card

EUR / INR

₹214,802.91

€0.00

107.4015

-0.78%

Minutes - 24 hours

Debit card

EUR / INR

₹213,020.00

€1.99

106.5100

0.05%

Minutes

Debit card

EUR / INR

₹211,907.20

€12.37

106.6130

-0.04%

Within minutes

Bank transfer

EUR PHP

Mid Market Rate €1 = ₱70.7855€1 = ₱70.7855

Transfer Amount €500€2,000

Western Union

Remitly

Instarem

Remitly

Sendwave

CurrencyFair

EUR / PHP

₱35,961.39

€0.00

71.9228

-1.59%

Minutes - 2 days

Debit card

EUR / PHP

₱35,940.00

€0.00

71.8800

-1.53%

Within a week

Debit card

EUR / PHP

₱35,310.65

€0.00

70.6213

0.23%

Minutes - 24 hours

Debit card

EUR / PHP

₱141,840.00

€0.00

70.9200

-0.19%

Within a week

Debit card

EUR / PHP

₱140,854.04

€0.99

70.4619

0.46%

Minutes - 3 days

Debit card

EUR / PHP

₱140,700.00

€1.13

70.3900

0.56%

Minutes - 24 hours

Bank transfer

EUR MXN

Mid Market Rate €1 = $20.6817€1 = $20.6945

Transfer Amount €500€2,000

Western Union

Remitly

MoneyGram

MoneyGram

Currencies Direct

OFX

EUR / MXN

$10,543.00

€0.00

21.0855

-1.93%

Minutes - 2 days

Debit card

EUR / MXN

$10,345.00

€0.00

20.6900

-0.04%

Within minutes

Debit card

EUR / MXN

$10,304.90

€2.99

20.6098

0.35%

Minutes - 24 hours

Debit card

EUR / MXN

$41,219.60

€2.99

20.6098

0.41%

Minutes - 24 hours

Debit card

EUR / MXN

$41,147.40

€0.00

20.5737

0.59%

Minutes - 24 hours

Bank transfer

EUR / MXN

$41,119.95

€0.00

20.5600

0.65%

Minutes - 24 hours

Bank transfer

EUR PEN

Mid Market Rate €1 = PEN 3.8625€1 = PEN 3.8641

Transfer Amount €500€2,000

OFX

Remitly

Western Union

OFX

Western Union

TapTap Send

EUR / PEN

PEN 1,918.69

€0.00

3.8374

0.65%

Minutes - 24 hours

Bank transfer

EUR / PEN

PEN 1,912.25

€0.00

3.8245

0.99%

Within a week

Debit card

EUR / PEN

PEN 1,911.36

€0.00

3.8227

1.04%

Minutes - 2 days

Debit card

EUR / PEN

PEN 7,677.87

€0.00

3.8389

0.65%

Minutes - 24 hours

Bank transfer

EUR / PEN

PEN 7,645.43

€0.00

3.8227

1.08%

Minutes - 2 days

Debit card

EUR / PEN

PEN 7,640.00

€0.00

3.8200

1.15%

Minutes

Debit card

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Choose around the recipient, not just the sending app

For family payments to Colombia or Morocco, receiving access can be more important than an extra feature on your own phone.

A bank deposit works when the recipient can use the account, while cash collection needs a location they can reach.

Mobile-wallet delivery can avoid a collection trip, but withdrawal charges affect how much cash the recipient ends up with.

My suggestion is to save the correct recipient details after the first completed payment, then review the receiving method again when their circumstances change.

When Bizum or your bank covers the payment

Bizum works through participating bank apps, including Santander, for payments to other participating users.

Its international network includes Portugal, Italy and Andorra, rather than acting as a worldwide foreign-currency remittance service.

For a euro bank payment within SEPA, use your bank's digital payment options before opening a separate currency account.

An international border does not create an exchange-rate cost when both bank accounts use euros.

For substantial property proceeds or another large payment, international money transfer services can include brokers alongside app-based companies.

I suggest assessing support and the final rate for that payment, rather than choosing around app-store ratings alone.

How to arrange your first payment in the app

Choose the receiving method

Start with the recipient's bank, wallet or cash-collection options, then select an app that supports the method they can use.

Complete the identity checks and enter the correct recipient details, using the account or collection name that matches their documents.

Check the funding route and total

Choose an eligible funding method and check the fee, exchange rate, recipient amount and arrival estimate before authorising.

Keep the receipt and follow progress

Save the transfer record and tracking details, then share any collection information the recipient needs to receive the money.

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

Our methodology & why trust us

I assessed apps available for Spanish outbound payments by their mobile functions, receiving choices, funding methods and total costs.

Our live corridor results helped check EUR sending options, with separate research into Spanish eligibility, app features and regulated entities.

Santander is included because its existing-account payment flow and digital issuing-fee policy affect the choice beside specialist remittance apps.

Our review process explains how we assess companies and transfer options.

Sources

Cheapest way to send money abroad

These examples compare available companies for €500 and €2,000 payments from Spain to eight destinations, using the final amount received after fees and conversion.

16 Oct 2026

Best money transfer companies

These companies cover bank payments, family transfers and cash services, with the right choice depending on how your recipient can receive money.

16 Oct 2026

Mobile money transfers

A mobile wallet gives you a balance or payment account accessed through your phone, with features that depend on the account behind it.

16 Oct 2026

Receiving money from abroad

Your receiving account and the service your sender uses are separate choices, so you can often keep your existing bank.

16 Oct 2026

Best multi-currency business accounts

The account lets you keep supported foreign receipts in their original currency, then decide whether to spend that balance or convert it into euros.