How to send money to Costa Rica from Spain with the best EUR-CRC rate

Wise is the fastest way to send money from Spain to Costa Rica, and its delivery time is same day.

For the cheapest option, Regency FX will get you 3,538,751.81 CRC on a 7,000 EUR transfer.

Best companies for EUR/CRC transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/CRC transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.3680 CRC +0.70% vs mid-market Recipient gets ₡3,469,413.60 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.3680 CRC
₡3,469,413.60You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 482.0214 CRC +5.03% vs mid-market Recipient gets ₡3,374,149.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 482.0214 CRC
₡3,374,149.80You pay€7,000.00

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Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 505.5360 CRC +0.27% vs mid-market Recipient gets ₡3,538,751.81 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Costa Rica with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 505.5360 CRC
₡3,538,751.81You pay€7,000.00

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.3680 CRC +0.70% vs mid-market Recipient gets ₡3,469,413.60 Same day
FastestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.3680 CRC
₡3,469,413.60You pay€7,000.00

Wise

Pay via iDEAL
Fee €117.54 1 EUR = 503.3680 CRC +0.70% vs mid-market Recipient gets ₡3,464,410.13 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€117.541 EUR = 503.3680 CRC
₡3,464,410.13You pay€7,000.00

Wise

Pay via Debit card
Fee €161.52 1 EUR = 503.3680 CRC +0.70% vs mid-market Recipient gets ₡3,442,272.00 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€161.521 EUR = 503.3680 CRC
₡3,442,272.00You pay€7,000.00

Wise

Pay via Credit card
Fee €202.73 1 EUR = 503.3680 CRC +0.70% vs mid-market Recipient gets ₡3,421,528.21 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€202.731 EUR = 503.3680 CRC
₡3,421,528.21You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 482.0214 CRC +5.03% vs mid-market Recipient gets ₡3,374,149.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 482.0214 CRC
₡3,374,149.80You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 482.0214 CRC +5.03% vs mid-market Recipient gets ₡3,374,149.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 482.0214 CRC
₡3,374,149.80You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 482.0214 CRC +5.03% vs mid-market Recipient gets ₡3,374,149.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 482.0214 CRC
₡3,374,149.80You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 506.9046 CRC Updates every 60 minutes.

How to send money from Spain to Costa Rica

Pick a company

For a one-off transfer from Spain to Costa Rica, I suggest picking Regency FX, it will get you the most CRC.

Regency FX was the cheapest on 25 of the 25 days it quoted €7,000 transfers to Costa Rica.

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

Fund your transfer

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

Bizum only works between Spanish accounts and caps at €500, 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 Costa Rica?

How much EUR you send to Costa Rica 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 Regency FX was the cheapest in 100% of the transfers from €5,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
€5001.61%€0.00₡249,164.90with debit card to bank deposit+₡52,260.49
€1,0001.50%€2.80₡497,646.18with bank transfer to bank deposit+₡100,542.59
€2,0001.92%€0.00₡993,680.00with debit card to bank deposit+₡11,591.79
€5,0002.13%€0.00₡2,479,955.00with debit card to bank deposit+₡32,949.08
€7,000This page0.27%€0.00₡3,538,751.81with bank transfer to bank deposit+₡106,398.67
€10,0000.27%€0.00₡5,055,637.14with bank transfer to bank deposit+₡157,090.79

Mid-market rate: 1 EUR = 506.9046 CRC

EUR/CRC Exchange Rate History

Is today a good time to send money from Spain to Costa Rica?

The cheapest way to send EUR to CRC 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 Regency FX), across 30 days of comparisons for 7,000 EUR transfers to Costa Rica.

CRC received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate₡3,548,332.30 Regency FX ₡3,538,751.81Regency FX₡3,538,751.81Wise₡3,469,413.60Xe₡3,374,149.80

3,35M
3,40M
3,45M
3,50M
3,55M
3,60M
3,65M
At the mid-market rateWith the cheapest optionRegency FXWiseXe
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.7689 – ₡3,610,382.09
Regency FX Cheapest 514.3763 €0.00 ₡3,600,634.06 −₡9,748.03
Wise 515.3180 €107.60 ₡3,551,777.78 −₡58,604.31
Xe 492.6671 €0.00 ₡3,448,669.70 −₡161,712.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.3092 – ₡3,621,164.64
Regency FX Cheapest 515.9125 €0.00 ₡3,611,387.50 −₡9,777.14
Wise 516.2600 €107.60 ₡3,558,270.42 −₡62,894.22
Xe 493.3133 €0.00 ₡3,453,193.10 −₡167,971.54
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 516.2430 €107.60 ₡3,558,153.25 –
Xe 491.9127 €0.00 ₡3,443,388.90 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.1115 – ₡3,619,780.18
Regency FX Cheapest 515.7153 €0.00 ₡3,610,006.77 −₡9,773.41
Wise 515.5890 €107.60 ₡3,553,645.62 −₡66,134.56
Xe 494.0970 €0.00 ₡3,458,679.00 −₡161,101.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.8287 – ₡3,610,800.87
Regency FX Cheapest 514.4360 €0.00 ₡3,601,051.70 −₡9,749.17
Wise 515.3760 €107.60 ₡3,552,177.54 −₡58,623.33
Xe 490.3745 €0.00 ₡3,432,621.50 −₡178,179.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 514.7933 – ₡3,603,553.29
Regency FX Cheapest 513.4034 €0.00 ₡3,593,823.70 −₡9,729.59
Wise 515.3760 €107.60 ₡3,552,177.54 −₡51,375.75
Xe 490.3751 €0.00 ₡3,432,625.70 −₡170,927.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 513.0293 – ₡3,591,205.27
Regency FX Cheapest 511.6441 €0.00 ₡3,581,509.01 −₡9,696.26
Wise 513.1540 €107.60 ₡3,536,862.63 −₡54,342.64
Xe 491.6304 €0.00 ₡3,441,412.80 −₡149,792.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 513.5627 – ₡3,594,939.17
Regency FX Cheapest 512.1761 €0.00 ₡3,585,232.84 −₡9,706.33
Wise 514.3860 €107.60 ₡3,545,354.07 −₡49,585.10
Xe 491.8740 €0.00 ₡3,443,118.00 −₡151,821.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 512.8092 – ₡3,589,664.41
Regency FX Cheapest 511.4246 €0.00 ₡3,579,972.31 −₡9,692.10
Wise 511.7000 €107.60 ₡3,526,841.08 −₡62,823.33
Xe 489.4485 €0.00 ₡3,426,139.50 −₡163,524.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.7072 – ₡3,574,950.06
Regency FX Cheapest 509.3282 €0.00 ₡3,565,297.70 −₡9,652.36
Wise 509.9370 €107.60 ₡3,514,689.78 −₡60,260.28
Xe 488.5355 €0.00 ₡3,419,748.50 −₡155,201.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 509.9463 – ₡3,569,624.32
Regency FX Cheapest 508.5695 €0.00 ₡3,559,986.33 −₡9,637.99
Wise 509.5760 €107.60 ₡3,512,201.62 −₡57,422.70
Xe 490.4461 €0.00 ₡3,433,122.70 −₡136,501.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Xe 483.2777 €0.00 ₡3,382,943.90 −₡195,875.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Xe 483.3120 €0.00 ₡3,383,184.00 −₡195,635.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.9157 – ₡3,576,410.15
Regency FX Cheapest 509.5363 €0.00 ₡3,566,753.84 −₡9,656.31
Wise 508.2530 €107.60 ₡3,503,082.98 −₡73,327.17
Xe 488.6132 €0.00 ₡3,420,292.40 −₡156,117.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.0397 – ₡3,570,277.84
Regency FX Cheapest 508.6626 €0.00 ₡3,560,638.09 −₡9,639.75
Wise 505.7100 €107.60 ₡3,485,555.60 −₡84,722.24
Xe 484.1210 €0.00 ₡3,388,847.00 −₡181,430.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 506.9818 – ₡3,548,872.80
Regency FX Cheapest 505.6130 €0.00 ₡3,539,290.85 −₡9,581.95
Wise 502.8230 €107.60 ₡3,465,657.25 −₡83,215.55
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 505.3290 €107.60 ₡3,482,929.60 –
Xe 484.0210 €0.00 ₡3,388,147.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.7630 – ₡3,582,341.11
Regency FX Cheapest 510.3813 €0.00 ₡3,572,668.79 −₡9,672.32
Wise 507.0480 €107.60 ₡3,494,777.64 −₡87,563.47
Xe 485.4908 €0.00 ₡3,398,435.60 −₡183,905.51
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 506.4010 €107.60 ₡3,490,318.25 –
Xe 492.0156 €0.00 ₡3,444,109.20 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4028 – ₡3,579,819.27
Regency FX Cheapest 510.0220 €0.00 ₡3,570,153.76 −₡9,665.51
Wise No quote collected this day – – – –
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.1173 – ₡3,577,821.34
Paysend Cheapest 501.5192 €0.00 ₡3,510,634.69 −₡67,186.65
Wise 505.6160 €107.60 ₡3,484,907.72 −₡92,913.62
Regency FX No quote collected this day – – – –
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.2457 – ₡3,571,719.94
Regency FX Cheapest 508.8680 €0.00 ₡3,562,076.30 −₡9,643.64
Wise 507.5850 €107.60 ₡3,498,478.85 −₡73,241.09
Xe 497.8864 €0.00 ₡3,485,204.80 −₡86,515.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 508.5197 – ₡3,559,638.23
Regency FX Cheapest 507.1467 €0.00 ₡3,550,027.21 −₡9,611.02
Wise 507.4910 €107.60 ₡3,497,830.97 −₡61,807.26
Xe 496.8973 €0.00 ₡3,478,281.10 −₡81,357.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.5758 – ₡3,581,030.87
Regency FX Cheapest 510.1946 €0.00 ₡3,571,362.08 −₡9,668.79
Wise 510.7440 €107.60 ₡3,520,251.95 −₡60,778.92
Xe 490.0819 €0.00 ₡3,430,573.30 −₡150,457.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.6693 – ₡3,574,684.97
Regency FX Cheapest 509.2905 €0.00 ₡3,565,033.32 −₡9,651.65
Wise 508.4760 €107.60 ₡3,504,619.98 −₡70,064.99
Xe 487.3906 €0.00 ₡3,411,734.20 −₡162,950.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Xe 494.8688 €0.00 ₡3,464,081.60 −₡111,849.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Xe 494.5169 €0.00 ₡3,461,618.30 −₡114,312.30
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 507.5780 €107.60 ₡3,498,430.61 –
Xe 487.0102 €0.00 ₡3,409,071.40 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 509.0465 – ₡3,563,325.81
Regency FX Cheapest 507.6721 €0.00 ₡3,553,704.83 −₡9,620.98
Wise 504.9320 €107.60 ₡3,480,193.32 −₡83,132.49
Xe 482.0179 €0.00 ₡3,374,125.30 −₡189,200.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 506.9046 – ₡3,548,332.30
Regency FX Cheapest 505.5360 €0.00 ₡3,538,751.81 −₡9,580.49
Wise 503.3680 €107.60 ₡3,469,413.60 −₡78,918.70
Xe 482.0214 €0.00 ₡3,374,149.80 −₡174,182.50

Exchange rateFeeRecipient getsDifference

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 CRC 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 CRC on every transfer from Spain.

Right now, Regency FX pays 3,538,751.81 CRC on 7,000 EUR, which is 9,580.49 CRC less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,611,387.5 CRC.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 Costa Rica.

We've tracked 166 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Regency FXAppeared in 53 comparisons

    Cheapest every time

  2. WiseAppeared in 162 comparisons

    Cheapest in 7% of them

  3. XeAppeared in 124 comparisons

    Never the cheapest

Based on 166 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

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

Ways to send money from Spain to Costa Rica

3 companies send money from Spain to Costa Rica, across broker, online, app, multi-currency account, and global account, 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 Costa Rica.

Wise charges €107.6 on a €7,000 transfer and pays out 3,469,413.6 CRC in same day.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for €7,000 transfers.

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

For one-off transfers

Online transfers

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

Wise turns €7,000 into 3,469,413.6 CRC with a €107.6 fee and 0.7% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 29 days it quoted.

Sending large amounts

Currency brokers

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

Regency FX charges no fee and works on a margin, with a person on the phone, and offices in Spain if you'd rather sit down with someone.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

For getting paid and spending abroad

Multi-currency accounts

If you often receive CRC (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 CRC like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with CRC support is offered by Wise.

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

For example, converting €7,000 gets you 3,469,413.6 CRC.

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 Costa Rica.

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

Ways to fund EUR and receive CRC in Costa Rica

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

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 3,538,751.81 CRC.

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

Bizum only supports domestic transfers in Spain, so it cannot send money to Costa Rica 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 Costa Rica depends on the company's payout time and delivery method.

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

Collect cash in Costa Rica

Some locutorios in Spain can arrange international transfers to Costa Rica.

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

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    ₡3,538,752

    Cheapest

  2. 2
    iDEAL Bank deposit

    You pay €7,000.00

    ₡3,464,410

    -₡74,342

  3. 3
    Debit card Bank deposit

    You pay €7,000.00

    ₡3,442,272

    -₡96,480

  4. 4
    Credit card Bank deposit

    You pay €7,000.00

    ₡3,421,528

    -₡117,224

What to consider when sending money from Spain

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

Find the best EUR/CRC transfer

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

Cheapest option

Use Regency FX, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,538,751.81 CRC, which is 1.96% more than the next best option.

Fastest option

With Wise, a bank transfer payment to bank deposit gives your recipient 3,469,413.6 CRC, and its delivery time is same day.

SEPA & CRC are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to Costa Rica 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 Costa Rica.

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 3 of them on EUR to CRC, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 166 comparisons across 6 amounts.

This page covers the cheapest and fastest options for EUR/CRC 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.