How to send money to Nepal from Spain with the best EUR-NPR rate

Revolut is the fastest way to send money from Spain to Nepal, and its delivery time is within minutes.

For the cheapest option, TapTap Send will get you 1,190,000 NPR on a 7,000 EUR transfer.

Best companies for EUR/NPR transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/NPR transfers

Sort Cheapest
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 167.6169 NPR +1.12% vs mid-market Recipient gets Rs 1,173,318.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 167.6169 NPR
Rs 1,173,318.30You pay€7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 169.0502 NPR +0.27% vs mid-market Recipient gets Rs 1,183,351.31 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 169.0502 NPR
Rs 1,183,351.31You pay€7,000.00

Run a live search

Showing top Spain to Nepal deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee €1.49 1 EUR = 170.0000 NPR -0.29% vs mid-market Recipient gets Rs 1,190,000.00 Minutes
Cheapest
Receive to bank account

Ways to receive money in Nepal with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
€1.491 EUR = 170.0000 NPR
Rs 1,190,000.00You pay€7,001.49
Cash pickupMinutesAvailable via:City Express Cash Pickup
€1.491 EUR = 170.0000 NPR
Rs 1,190,000.00You pay€7,001.49
Mobile walletMinutesAvailable via:IME Pay, Khalti by IME, PrabhuPAY, eSewa
€1.491 EUR = 170.0000 NPR
Rs 1,190,000.00You pay€7,001.49
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 169.0502 NPR +0.27% vs mid-market Recipient gets Rs 1,183,351.31 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 169.0502 NPR
Rs 1,183,351.31You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €1.99 1 EUR = 168.8008 NPR +0.42% vs mid-market Recipient gets Rs 1,181,605.60 Minutes - 24 hours

Ways to receive money in Nepal with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€1.991 EUR = 168.8008 NPR
Rs 1,181,605.60You pay€7,001.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 168.7566 NPR
Rs 1,181,296.20You pay€7,001.99
Cash pickupMinutes - 24 hours
€1.001 EUR = 163.7899 NPR
Rs 1,146,529.30You pay€7,001.00
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €1.99 1 EUR = 168.8008 NPR +0.42% vs mid-market Recipient gets Rs 1,181,605.60 Minutes - 24 hours

Ways to receive money in Nepal with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€1.991 EUR = 168.8008 NPR
Rs 1,181,605.60You pay€7,001.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 168.7566 NPR
Rs 1,181,296.20You pay€7,001.99
Cash pickupMinutes - 24 hours
€1.001 EUR = 163.7899 NPR
Rs 1,146,529.30You pay€7,001.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €1.99 1 EUR = 168.8008 NPR +0.42% vs mid-market Recipient gets Rs 1,181,605.60 Minutes - 24 hours

Ways to receive money in Nepal with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€1.991 EUR = 168.8008 NPR
Rs 1,181,605.60You pay€7,001.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 168.7566 NPR
Rs 1,181,296.20You pay€7,001.99
Cash pickupMinutes - 24 hours
€1.001 EUR = 163.7899 NPR
Rs 1,146,529.30You pay€7,001.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 167.6169 NPR +1.12% vs mid-market Recipient gets Rs 1,173,318.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 167.6169 NPR
Rs 1,173,318.30You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 167.6169 NPR +1.12% vs mid-market Recipient gets Rs 1,173,318.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 167.6169 NPR
Rs 1,173,318.30You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 167.6169 NPR +1.12% vs mid-market Recipient gets Rs 1,173,318.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 167.6169 NPR
Rs 1,173,318.30You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €60.90 1 EUR = 168.3038 NPR +0.71% vs mid-market Recipient gets Rs 1,167,876.57 Within minutes
FastestRecommended
Multi-currency cardReceive to bank account

Ways to receive money in Nepal with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€60.901 EUR = 168.3038 NPR
Rs 1,167,876.57You 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.

How Our Results Work
Mid-market rate: 1 EUR = 169.5079 NPR Updates every 60 minutes.

How to send money from Spain to Nepal

Pick a company

For a one-off transfer from Spain to Nepal, I suggest picking TapTap Send, it will get you the most NPR.

TapTap Send was the cheapest on 13 of the 30 days it quoted €7,000 transfers to Nepal.

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

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

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 Nepal?

How much EUR you send to Nepal 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 TapTap Send was the cheapest in 54% of the transfers from €5,000 it quoted, and in 44% of all the transfers it quoted.

Cheapest service
€500-0.38%€1.49Rs 85,000.00with debit card to bank deposit+Rs 1,365.43
€1,000-0.35%€1.49Rs 170,000.00with debit card to bank deposit+Rs 2,488.04
€2,000-0.37%€1.49Rs 340,000.00with debit card to bank deposit+Rs 4,589.68
€5,000-0.33%€1.49Rs 850,000.00with debit card to bank deposit+Rs 13,112.05
€7,000This page-0.29%€1.49Rs 1,190,000.00with debit card to bank deposit+Rs 11,555.60
€10,000-0.28%€1.49Rs 1,700,000.00with debit card to bank deposit+Rs 16,307.14

Mid-market rate: 1 EUR = 169.5079 NPR

EUR/NPR Exchange Rate History

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

The cheapest way to send EUR to NPR 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 TapTap Send), across 30 days of comparisons for 7,000 EUR transfers to Nepal.

NPR received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateRs 1,186,555.01 TapTap Send Rs 1,190,000.00TapTap SendRs 1,190,000.00Regency FXRs 1,183,351.31MoneyGramRs 1,181,605.60

1,17M
1,18M
1,19M
1,20M
1,21M
1,22M
1,23M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 174.3284 – Rs 1,220,299.10
TapTap Send Cheapest 174.0000 €1.49 Rs 1,218,000.00 −Rs 2,299.10
Regency FX 173.8578 €0.00 Rs 1,217,004.29 −Rs 3,294.81
MoneyGram 173.8019 €1.99 Rs 1,216,613.30 −Rs 3,685.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 174.2675 – Rs 1,219,872.77
Regency FX Cheapest 173.7970 €0.00 Rs 1,216,579.12 −Rs 3,293.65
TapTap Send 173.5000 €1.49 Rs 1,214,500.00 −Rs 5,372.77
MoneyGram 172.8457 €1.99 Rs 1,209,919.90 −Rs 9,952.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.8514 – Rs 1,216,960.12
TapTap Send Cheapest 173.5000 €1.49 Rs 1,214,500.00 −Rs 2,460.12
MoneyGram 173.4986 €1.99 Rs 1,214,490.20 −Rs 2,469.92
Regency FX 173.3820 €0.00 Rs 1,213,674.33 −Rs 3,285.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 174.5409 – Rs 1,221,786.59
Regency FX Cheapest 174.0697 €0.00 Rs 1,218,487.76 −Rs 3,298.83
MoneyGram 173.2194 €1.99 Rs 1,212,535.80 −Rs 9,250.79
TapTap Send 172.0000 €1.49 Rs 1,204,000.00 −Rs 17,786.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 174.4938 – Rs 1,221,456.50
Regency FX Cheapest 174.0227 €0.00 Rs 1,218,158.57 −Rs 3,297.93
MoneyGram 172.6100 €1.99 Rs 1,208,270.00 −Rs 13,186.50
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 13,956.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 174.1497 – Rs 1,219,048.19
Regency FX Cheapest 173.6795 €0.00 Rs 1,215,756.76 −Rs 3,291.43
MoneyGram 172.6100 €1.99 Rs 1,208,270.00 −Rs 10,778.19
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 11,548.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.5686 – Rs 1,214,980.21
Regency FX Cheapest 173.1000 €0.00 Rs 1,211,699.76 −Rs 3,280.45
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 7,480.21
MoneyGram 172.4866 €1.99 Rs 1,207,406.20 −Rs 7,574.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 172.6094 – Rs 1,208,266.14
Ria Money Transfer Cheapest 175.5626 €25.00 Rs 1,224,549.14 +Rs 16,283.00
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 766.14
MoneyGram 172.1742 €1.99 Rs 1,205,219.40 −Rs 3,046.74
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 172.7143 – Rs 1,208,999.99
MoneyGram Cheapest 172.6134 €1.99 Rs 1,208,293.80 −Rs 706.19
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 1,499.99
Regency FX 172.2480 €0.00 Rs 1,205,735.69 −Rs 3,264.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.1131 – Rs 1,211,792.03
Regency FX Cheapest 172.6457 €0.00 Rs 1,208,520.19 −Rs 3,271.84
MoneyGram 172.6297 €1.99 Rs 1,208,407.90 −Rs 3,384.13
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 4,292.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.2031 – Rs 1,212,421.65
Regency FX Cheapest 172.7354 €0.00 Rs 1,209,148.11 −Rs 3,273.54
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 4,921.65
MoneyGram 172.4668 €1.99 Rs 1,207,267.60 −Rs 5,154.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.3185 – Rs 1,213,229.61
Regency FX Cheapest 172.8506 €0.00 Rs 1,209,953.89 −Rs 3,275.72
MoneyGram 172.7080 €1.99 Rs 1,208,956.00 −Rs 4,273.60
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 5,729.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.3185 – Rs 1,213,229.61
Regency FX Cheapest 172.8506 €0.00 Rs 1,209,953.89 −Rs 3,275.72
MoneyGram 172.7080 €1.99 Rs 1,208,956.00 −Rs 4,273.60
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 5,729.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 173.1977 – Rs 1,212,383.72
Regency FX Cheapest 172.7300 €0.00 Rs 1,209,110.28 −Rs 3,273.44
TapTap Send 172.5000 €1.49 Rs 1,207,500.00 −Rs 4,883.72
MoneyGram 171.1864 €1.99 Rs 1,198,304.80 −Rs 14,078.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 171.5152 – Rs 1,200,606.57
Regency FX Cheapest 171.0521 €0.00 Rs 1,197,364.93 −Rs 3,241.64
TapTap Send 170.0000 €1.49 Rs 1,190,000.00 −Rs 10,606.57
MoneyGram 169.9552 €1.99 Rs 1,189,686.40 −Rs 10,920.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.4574 – Rs 1,186,201.50
TapTap Send Cheapest 170.0000 €1.49 Rs 1,190,000.00 +Rs 3,798.50
MoneyGram 169.2911 €1.99 Rs 1,185,037.70 −Rs 1,163.80
Regency FX 168.9998 €0.00 Rs 1,182,998.75 −Rs 3,202.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.2777 – Rs 1,191,944.21
TapTap Send Cheapest 170.0000 €1.49 Rs 1,190,000.00 −Rs 1,944.21
Regency FX 169.8180 €0.00 Rs 1,188,725.96 −Rs 3,218.25
MoneyGram 169.6259 €1.99 Rs 1,187,381.30 −Rs 4,562.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.9400 – Rs 1,196,580.11
Regency FX Cheapest 170.4785 €0.00 Rs 1,193,349.34 −Rs 3,230.76
TapTap Send 170.0000 €1.49 Rs 1,190,000.00 −Rs 6,580.10
MoneyGram 169.3998 €1.99 Rs 1,185,798.60 −Rs 10,781.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.8961 – Rs 1,196,272.60
Regency FX Cheapest 170.4347 €0.00 Rs 1,193,042.67 −Rs 3,229.93
MoneyGram 170.1624 €1.99 Rs 1,191,136.80 −Rs 5,135.80
TapTap Send 170.0000 €1.49 Rs 1,190,000.00 −Rs 6,272.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.8961 – Rs 1,196,272.60
Regency FX Cheapest 170.4347 €0.00 Rs 1,193,042.67 −Rs 3,229.93
MoneyGram 170.1624 €1.99 Rs 1,191,136.80 −Rs 5,135.80
TapTap Send 170.0000 €1.49 Rs 1,190,000.00 −Rs 6,272.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.8049 – Rs 1,195,634.34
Regency FX Cheapest 170.3437 €0.00 Rs 1,192,406.12 −Rs 3,228.21
TapTap Send 170.2500 €1.49 Rs 1,191,750.00 −Rs 3,884.33
MoneyGram 170.1624 €1.99 Rs 1,191,136.80 −Rs 4,497.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.5320 – Rs 1,193,723.92
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 −Rs 1,973.92
Regency FX 170.0716 €0.00 Rs 1,190,500.86 −Rs 3,223.06
MoneyGram 169.5694 €1.99 Rs 1,186,985.80 −Rs 6,738.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.0909 – Rs 1,190,635.99
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 1,114.01
MoneyGram 169.7240 €1.99 Rs 1,188,068.00 −Rs 2,567.99
Regency FX 169.6316 €0.00 Rs 1,187,421.27 −Rs 3,214.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.9229 – Rs 1,189,460.17
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 2,289.83
Regency FX 169.4641 €0.00 Rs 1,186,248.62 −Rs 3,211.55
MoneyGram 169.1027 €1.99 Rs 1,183,718.90 −Rs 5,741.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.6145 – Rs 1,187,301.53
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 4,448.47
Regency FX 169.1565 €0.00 Rs 1,184,095.81 −Rs 3,205.72
MoneyGram 169.0117 €1.99 Rs 1,183,081.90 −Rs 4,219.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.9504 – Rs 1,189,653.11
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 2,096.89
Regency FX 169.4916 €0.00 Rs 1,186,441.04 −Rs 3,212.07
MoneyGram 169.2648 €1.99 Rs 1,184,853.60 −Rs 4,799.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.9504 – Rs 1,189,653.11
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 2,096.89
Regency FX 169.4916 €0.00 Rs 1,186,441.04 −Rs 3,212.07
MoneyGram 169.2648 €1.99 Rs 1,184,853.60 −Rs 4,799.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.8108 – Rs 1,188,675.87
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 3,074.13
MoneyGram 169.5220 €1.99 Rs 1,186,654.00 −Rs 2,021.87
Regency FX 169.3523 €0.00 Rs 1,185,466.45 −Rs 3,209.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 170.1364 – Rs 1,190,955.05
TapTap Send Cheapest 170.2500 €1.49 Rs 1,191,750.00 +Rs 794.96
Regency FX 169.6771 €0.00 Rs 1,187,739.47 −Rs 3,215.57
MoneyGram 169.5930 €1.99 Rs 1,187,151.00 −Rs 3,804.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 169.5079 – Rs 1,186,555.01
TapTap Send Cheapest 170.0000 €1.49 Rs 1,190,000.00 +Rs 3,444.99
Regency FX 169.0502 €0.00 Rs 1,183,351.31 −Rs 3,203.70
MoneyGram 168.8008 €1.99 Rs 1,181,605.60 −Rs 4,949.41

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 NPR per EUR than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 10 of the last 30 days.

Right now, TapTap Send pays 1,190,000 NPR on 7,000 EUR, which is 3,444.99 NPR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 1,224,549.14 NPR.

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.

If you need to send money now, it's a good time to send.

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 Nepal.

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

  1. TapTap SendAppeared in 164 comparisons

    Cheapest in 44% of them

  2. Regency FXAppeared in 58 comparisons

    Cheapest in 52% of them

  3. MoneyGramAppeared in 162 comparisons

    Cheapest in 7% of them

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 TapTap Send is the cheapest and gets you the most NPR, but it was the cheapest in only 44% of the 164 comparisons it appeared in over the past month.

If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.

Ways to send money from Spain to Nepal

5 companies send money from Spain to Nepal, across app, broker, online, in person, 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 Nepal.

TapTap Send charges €1.49 on a €7,000 transfer and pays out 1,190,000 NPR in minutes, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

Over the past month, TapTap Send was the cheapest app on 67% of the days it appeared for €7,000 transfers.

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

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay MoneyGram the €7,000 by card or transferencia, and they can collect cash in Nepal.

Our data shows MoneyGram came out cheapest among in-person options on 97% of days in the past month.

Cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

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

MoneyGram turns €7,000 into 1,181,605.6 NPR with a €1.99 fee and 0.42% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Nepal. 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 NPR (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 NPR like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with NPR 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 1,167,876.57 NPR.

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 Nepal.

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

Ways to fund EUR and receive NPR in Nepal

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

With TapTap Send, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 1,190,000 NPR.

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

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

In Nepal, the recipient can use bank deposit, mobile wallet, and cash pickup to receive money.

Payout is available through .

Collect cash in Nepal

Your recipient can collect NPR from a participating MoneyGram location in Nepal.

  1. 1
    Debit card Bank deposit

    You pay €7,001.49

    NRs1,190,000

    Cheapest

  2. 2
    Debit card Cash pickup

    You pay €7,001.49

    NRs1,190,000

    NRs0

  3. 3
    Debit card Mobile wallet

    You pay €7,001.49

    NRs1,190,000

    NRs0

  4. 4
    Bank transfer Bank deposit

    You pay €7,000.00

    NRs1,183,351

    -NRs6,649

  5. 5
    Bank transfer Mobile wallet

    You pay €7,001.99

    NRs1,181,606

    -NRs8,394

Show moreShow less
  1. 6
    Credit card Mobile wallet

    You pay €7,001.99

    NRs1,181,606

    -NRs8,394

  2. 7
    Credit card Bank deposit

    You pay €7,001.99

    NRs1,181,296

    -NRs8,704

  3. 8
    Bank transfer Cash pickup

    You pay €7,001.00

    NRs1,146,529

    -NRs43,471

  4. 9
    Credit card Cash pickup

    You pay €7,001.00

    NRs1,146,529

    -NRs43,471

What to consider when sending money from Spain

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

Find the best EUR/NPR transfer

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

Cheapest option

Use TapTap Send, pay by debit card and choose bank deposit for the payout. Your recipient gets 1,190,000 NPR, which is 0.56% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 1,167,876.57 NPR, and its delivery time is within minutes.

SEPA & NPR are different

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

Sending EUR to Nepal 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 Nepal.

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 5 of them on EUR to NPR, 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/NPR 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.