Best companies for EUR/EUR transfers
2 of 2 providers Last updated on 29 October 2026
Based on 7,000 EUR transfer Best companies for EUR/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €0.95 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,999.05 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €0.951 EUR = 1.0000 EUR €6,999.05You pay€7,000.00
Run a live search Showing top Spain to Bulgaria deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much EUR you're planning to spend in Bulgaria.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €0.00 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €7,000.00 Within minutes
10 reviews CheapestFastest Multi-currency cardReceive to bank account
Ways to receive money in Bulgaria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 EUR = 1.0000 EUR €7,000.00You pay€7,000.00
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.
Wise Pay via Bank transfer	Fee €0.95 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,999.05 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €0.951 EUR = 1.0000 EUR €6,999.05You pay€7,000.00
Wise Pay via iDEAL	Fee €11.18 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,988.82 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €11.181 EUR = 1.0000 EUR €6,988.82You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €49.00 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,951.00 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Bulgaria with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €49.001 EUR = 1.0000 EUR €6,951.00You pay€7,000.00
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.
Wise Pay via Debit card	Fee €56.50 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,943.50 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €56.501 EUR = 1.0000 EUR €6,943.50You pay€7,000.00
Wise Pay via Credit card	Fee €98.94 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,901.06 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €98.941 EUR = 1.0000 EUR €6,901.06You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 1.0000 EUR Updates every 60 minutes.

Why compare

EUR/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Bulgaria

Pick a company

For a one-off transfer from Spain to Bulgaria, I suggest picking Revolut, it will get you the most EUR.

Revolut was the cheapest on 25 of the 25 days it quoted €7,000 transfers to Bulgaria.

The best option will change depending on the amount, so it's good to to get the best EUR/EUR rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, iDEAL, and credit card.

Bizum only works between Spanish accounts and caps at €1,000 per transfer (some banks set it lower), which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Bulgaria?

How much EUR you send to Bulgaria heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Revolut was the cheapest in 100% of the transfers from €5,000 it quoted, and in 100% of all the transfers it quoted.


€500	0.00%	€0.00	€500.00with bank transfer to bank deposit	+€3.23
€1,000	0.00%	€0.00	€1,000.00with bank transfer to bank deposit	+€5.76
€2,000	0.00%	€0.00	€2,000.00with bank transfer to bank deposit	+€10.82
€5,000	0.00%	€0.00	€5,000.00with bank transfer to bank deposit	+€25.98
€7,000This page	0.00%	€0.00	€7,000.00with bank transfer to bank deposit	+€36.10
€10,000	0.00%	€0.00	€10,000.00with bank transfer to bank deposit	+€51.26

Mid-market rate: 1 EUR = 1.0000 EUR

EUR/EUR Exchange Rate History

Is today a good time to send money from Spain to Bulgaria?

The cheapest way to send EUR to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Revolut), across 30 days of comparisons for 7,000 EUR transfers to Bulgaria.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from Spain.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Bulgaria.

We've tracked 167 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

RevolutAppeared in 155 comparisons
Cheapest every time
WiseAppeared in 167 comparisons
Cheapest in 7% of them

Based on 167 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Revolut is the cheapest and gets you the most EUR, and it was also the cheapest in 100% of the 155 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Bulgaria.

Wise (today's second cheapest) was the cheapest in only 7% of its comparisons, so it's rarely the cheapest option for transfers to Bulgaria.

Ways to send money from Spain to Bulgaria

2 companies send money from Spain to Bulgaria, across app, multi-currency account, global account, and online, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Bulgaria.

Revolut charges €0.00 on a €7,000 transfer and pays out 7,000 EUR in within minutes.

Over the past month, Revolut was the cheapest app on 100% of the days it appeared for €7,000 transfers.

You can pay for the transfers via bank transfer, debit card, iDEAL, and credit card, but Bizum is usually not accepted as a funding method.

For one-off transfers

Online transfers

For medium sized or one-off transfers to Bulgaria, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 6,999.05 EUR with a €0.95 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Bulgaria. This can be things like selling property, moving a pension, moving back home, etc…

Brokers like Regency FX, Key Currency, or TorFX charge no fee on large transfers, just a margin that gets smaller as the amount grows.

You also get an account manager, access to forward contracts, limit orders, and more.

For getting paid and spending abroad

Multi-currency accounts

If you often receive EUR (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive EUR like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with EUR support is offered by Revolut.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For example, converting €7,000 gets you 7,000 EUR.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Bulgaria.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive EUR in Bulgaria

How you fund the transfer and how your recipient receives it affect the fees and how much EUR they get.

With Revolut, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 7,000 EUR.

For funding your transfer from Spain, you can use bank transfer, debit card, iDEAL, and credit card.

Bizum only supports domestic transfers in Spain, so it cannot send money to Bulgaria directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Bulgaria depends on the company's payout time and delivery method.

In Bulgaria, the recipient can use bank deposit to receive money.

Collect cash in Bulgaria

Some locutorios in Spain can arrange international transfers to Bulgaria.

Check that the location serves Bulgaria and whether it accepts card or cash before visiting.

1

Bank transfer Bank deposit

You pay €7,000.00

€7,000

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

€6,989

-€11
3

Debit card Bank deposit

You pay €7,000.00

€6,951

-€49
4

Credit card Bank deposit

You pay €7,000.00

€6,901

-€99

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Bulgaria.

Find the best EUR/EUR transfer

These are the current best options for sending €7,000 to Bulgaria:

Cheapest option

Use Revolut, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,000 EUR, which is 0.01% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 7,000 EUR, and its delivery time is within minutes.

SEPA & EUR are different

SEPA and SEPA Instant only work with euro payments, and Bizum largely operates in Spain.

Sending EUR to Bulgaria is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Bulgaria.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself. We track 2 of them on EUR to EUR, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 167 comparisons across 6 amounts.

This page covers the cheapest and fastest options for EUR/EUR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Spain

Send money to Bulgaria

Send money from United States to Bulgaria Send money from United Kingdom to Bulgaria Send money from Poland to Bulgaria Send money from Australia to Bulgaria Send money from India to Bulgaria Send money from Canada to Bulgaria Send money from Israel to Bulgaria Send money from Turkey to Bulgaria Send money from Switzerland to Bulgaria

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	1.0000	€0.00	€7,000.00	–
Wise	1.0000	€0.95	€6,999.05	–

How to send money to Bulgaria from Spain

Best companies for EUR/EUR transfers