Ways to Send Money Online Instantly from Spain in 2026

Fast ways to send money abroad from Spain

Supported wallets in Morocco and Colombia

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."

Express 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."

Supported instant EUR bank funding

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."

Payments between Revolut users

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.

Cash pickup within minutes

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Eligible recipient-card payout

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."

Taptap Send

Pay into your family's existing wallet

I suggest Taptap Send when your family already has a supported wallet, particularly for a payment needed outside bank hours.

For example, transfers to an Orange Money mobile wallet in Morocco typically arrive within a few minutes, with delivery available around the clock.

That Orange Money route has a MAD 1,000 transfer maximum, so choose bank or cash delivery for a larger payment to Morocco.

In Colombia, payments to Nequi, Daviplata and Movii mobile wallets also typically arrive within a few minutes, letting the recipient use a familiar account.

A Movii recipient needs to accept the transfer notification, so confirm that step if they need the money immediately.

Bank deposits follow different timing, and a Bancolombia recipient needs international automatic credit enabled before that bank can credit the payment.

You can fund eligible Spanish transfers with supported debit, credit or prepaid cards, with the payment method shown before confirmation.

Check the recipient wallet's capacity before a larger payment, especially if the money is intended for several expenses at once.

Compare Taptap Send's delivery time and recipient amount for the destinations below.

Remitly

Express delivery with a choice of receiving partners

Remitly is a good fit when your recipient needs a particular local bank, cash network or wallet and the transfer offers Express.

For Colombia, eligible debit or credit card payment can support Express delivery, with the exact arrival shown for the selected receiving method.

Spanish sending also supports bank-account payment and eligible Apple Pay or Google Pay options, so you can choose how to fund the transfer.

An easy bank-payment option still needs its own timing checked, because authorising it does not establish immediate recipient delivery.

My suggestion is to choose the receiving partner first, then select Express if it meets the deadline without requiring a different account for your family.

The table uses Economy delivery times, while Express has a separate quote for the faster option.

Wise

Use instant EUR funding for a foreign bank payment

Wise lets you pay from your Spanish bank through supported Simple bank transfer, with instant funding when the bank offers that option.

In my opinion, it suits a bank payment when you want to avoid a separate card payment and the recipient does not need to join Wise.

A standard funding option can take up to one working day, and conversion or the receiving bank can add time afterwards.

For GBP delivered to a UK bank, the money usually arrives the same working day after Wise receives and converts it.

Conversion can take up to two working days, so the funding and payout estimates need to meet the deadline together.

Money already held in Wise removes the wait for a new deposit, which helps if you regularly pay someone abroad.

The €1,000 and €5,000 examples let you check whether a larger amount changes the available delivery time.

Revolut

An immediate payment to another Revolut user

If your recipient already uses Revolut, sending from your available balance usually gets the money into their Revolut account instantly.

I suggest using that option for a friend who wants to spend from Revolut, rather than arranging another external bank deposit.

The recipient's later withdrawal to a bank has its own timing, so it is a separate decision when they need money elsewhere.

Eligible recipient-card payments are usually instant or take up to 30 minutes, with rare receiving-bank delays extending delivery to 48 hours.

Check card eligibility in the app before funding a payment intended for that method.

External transfers can take longer than internal payments, with the destination currency changing the transfer time below.

Western Union

Cash available at a collection point

For an urgent cash payment, I suggest Western Union when your recipient has a convenient collection point that is open.

Eligible cash transfers can be ready within minutes, with online bank or card funding and cash payment through Spanish agents.

Correos provides local Western Union access if you need counter help or want to fund in cash.

A counter visit adds time before the transfer starts, so check opening hours at both ends before choosing that channel.

Match the recipient's legal name to their identification and share the tracking number they need for collection.

MoneyGram and Ria are other cash networks to check when their recipient location is easier to reach.

TransferGo

A quick payment to an eligible recipient card

TransferGo supports sending EUR from Spain, with eligible recipient-card delivery usually taking a few minutes.

Bank delivery can take a few minutes to a few hours, so the recipient's available method can change the faster option.

Your card payment into TransferGo is separate from its payment to the recipient's card, and both need to be supported.

For a bank-funded order, use the exact amount and reference so the service can match your payment without extra work.

My suggestion is to choose the receiving option with the better delivery estimate when the recipient can use either one.

How to fund your transfer quickly

Your payment needs to reach the transfer company before processing and overseas payout, so choose the funding method for your amount.

Wise's accepted instant Simple bank transfer can collect EUR immediately, while a standard payment can take up to a working day.

Its card-funded EUR transfers have a €10,000 cap, so a larger payment needs another available funding method.

Choose the fastest usable receiving method

Decide whether the recipient needs money in a bank account, a wallet or physical cash, then choose a service that supports that outcome.

A mobile wallet

Mobile wallets can receive supported international payments within minutes, including weekends when the payout service operates around the clock.

For example, Taptap Send supports these wallets for personal transfers from Spain.

Use a wallet the recipient already has verified, and check local cash-out access separately if they need physical cash.

A bank account

A bank payment goes into the recipient's everyday account, with the destination's payment network and receiving bank determining payout speed.

An eligible euro account can receive SEPA Instant within ten seconds, while a converted payment can need funding and processing before local credit.

For transfers from Spain to Morocco, Taptap Send bank deposits usually arrive the same or next working day, with some banks needing additional time to show them.

That is different from its wallet timing, so use the estimate for the receiving method you select.

Cash pickup

Cash pickup can be ready within minutes, but the recipient needs an open collection point and the required identification.

Western Union offers eligible minutes-based cash transfers from Spain, with the destination and chosen service determining availability.

I suggest checking where your recipient can collect before comparing small differences between companies' arrival estimates.

A recipient card or same-service account

Recipient-card delivery reaches the account linked to an eligible card, with Revolut and TransferGo offering fast options on supported transfers.

A payment between Revolut accounts usually arrives instantly within the service, while any later bank withdrawal needs its own time.

Choose around the recipient's available account rather than asking someone to open a new service solely for an urgent payment.

When your Spanish bank or Bizum is enough

For a euro bank payment abroad, SEPA Instant can be the quickest option without adding another transfer account.

Santander's eligible online euro instant transfers arrive within ten seconds, operate around the clock and have no online transfer fee.

Check your daily payment limit before a larger amount, and resolve any recipient-name mismatch before confirming an irreversible payment.

For sending money from Spain to Portugal or sending money from Spain to Italy, participating Bizum banks support contact payments to compatible local services.

Portugal uses MB WAY and Italy uses BANCOMAT, so the recipient needs a supported account linked to their phone number.

This narrow international network can settle a shared bill quickly, but it does not cover every country or foreign-currency bank payment.

Bizum and eligible instant bank payments can also handle domestic transfers, with your bank's service conditions and limits applying.

See our guide to transferring money between banks in Spain for the wider domestic options.

Avoid delays before paying

If a payment is delayed, check whether the service is waiting for funding, reviewing documents or has already paid the recipient's bank.

Confirm the funding payment completed with the correct reference, and provide requested documents through the service before sending another payment.

For cash or wallet payout, check whether the recipient's account capacity or collection access is preventing them from using the money.

Does quicker delivery cost more?

Compare the recipient amount for €1,000 below, then choose an available service that can meet the recipient's deadline.

Last updated at 16/10/2026

EUR MAD

Mid Market Rate €1 = MAD 11.0065

Transfer Amount €1,000

1

TapTap Send

2

Western Union

3

OFX

Currency pair

They get (after fees)

Delivery time

EUR / MAD

MAD 11,000.00

Minutes

Visit

EUR / MAD

MAD 10,937.30

Minutes - 2 days

Visit

EUR / MAD

MAD 10,934.91

Minutes - 24 hours

Visit

EUR COP

Mid Market Rate €1 = $3,567.9065

Transfer Amount €1,000

1

Remitly

2

TapTap Send

3

Western Union

Currency pair

They get (after fees)

Delivery time

EUR / COP

$3,600,920.00

Within a week

Visit

EUR / COP

$3,553,000.00

Minutes

Visit

EUR / COP

$3,547,487.00

Minutes - 2 days

Visit

EUR GBP

Mid Market Rate €1 = £0.8442

Transfer Amount €1,000

1

Western Union

2

Instarem

3

Remitly

Currency pair

They get (after fees)

Delivery time

EUR / GBP

£845.85

Minutes - 2 days

Visit

EUR / GBP

£843.20

Minutes - 24 hours

Visit

EUR / GBP

£842.50

Within minutes

Visit

EUR INR

Mid Market Rate €1 = ₹106.6934

Transfer Amount €1,000

1

Profee

2

Instarem

3

TapTap Send

Currency pair

They get (after fees)

Delivery time

EUR / INR

₹107,542.89

Minutes - 24 hours

Visit

EUR / INR

₹106,589.30

Minutes - 24 hours

Visit

EUR / INR

₹106,510.00

Minutes

Visit

The table orders results by cost, while Express delivery, card funding or a different receiving method can change the quote.

If you can wait, our cheapest ways to send money abroad from Spain guide gives pricing more weight.

Compare how much your euro payment delivers before choosing a service whose arrival estimate fits the recipient’s deadline.