Best companies for EUR/PEN transfers
7 of 7 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/PEN transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €96.33 1 EUR = 3.8677 PEN 0.00% vs mid-market	Recipient gets PEN 26,701.05 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €96.331 EUR = 3.8677 PEN PEN 26,701.05You pay€7,000.00
Promoted MoneyGram Pay via Debit card	Fee €4.99 1 EUR = 3.7677 PEN +2.62% vs mid-market	Recipient gets PEN 26,373.90 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €4.991 EUR = 3.7677 PEN PEN 26,373.90You pay€7,004.99 YapeMinutes - 24 hoursAvailable via:YAPE €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 PLINMinutes - 24 hoursAvailable via:PLIN €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €3.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,003.99
Run a live search Showing top Spain to Peru 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 PEN rates.
Run a live search These companies offer multi-currency accounts for spending PEN. We suggest doing a live search based on how much EUR you're planning to spend in Peru.
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.
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 3.8500 PEN +0.46% vs mid-market	Recipient gets PEN 26,950.00 Minutes
0 reviews CheapestFastest Receive to bank account
Ways to receive money in Peru with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Dale, Luqea, Prexpe Free1 EUR = 3.8500 PEN PEN 26,950.00You pay€7,000.00 PLINMinutesAvailable via:Plin Free1 EUR = 3.8500 PEN PEN 26,950.00You pay€7,000.00 YapeMinutesAvailable via:Yape Free1 EUR = 3.8500 PEN PEN 26,950.00You pay€7,000.00 Bank depositMinutes €0.991 EUR = 3.8500 PEN PEN 26,950.00You pay€7,000.99 Cash pickupMinutesAvailable via:Jet Peru Cash Pickup €4.991 EUR = 3.8500 PEN PEN 26,950.00You pay€7,004.99
Only available via Mobile App Sendwave Pay via Debit card	Fee €1.99 1 EUR = 3.8483 PEN +0.51% vs mid-market	Recipient gets PEN 26,930.58 Minutes - 3 days
6 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days €1.991 EUR = 3.8483 PEN PEN 26,930.58You pay€7,000.00 Bank depositMinutes - 3 days €1.991 EUR = 3.8332 PEN PEN 26,824.49You pay€7,000.00 Cash pickupMinutes - 3 days €1.991 EUR = 3.8332 PEN PEN 26,824.49You pay€7,000.00
Paysend Pay via Debit card	Fee €0.00 1 EUR = 3.8356 PEN +0.84% vs mid-market	Recipient gets PEN 26,848.87 Minutes - 24 hours
0 reviews
Ways to receive money in Peru with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8356 PEN PEN 26,848.87You pay€7,000.00

Paysend Pay via Credit card	Fee €0.00 1 EUR = 3.8356 PEN +0.84% vs mid-market	Recipient gets PEN 26,848.87 Minutes - 24 hours
0 reviews
Ways to receive money in Peru with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8356 PEN PEN 26,848.87You pay€7,000.00
Wise Pay via Bank transfer	Fee €96.33 1 EUR = 3.8677 PEN 0.00% vs mid-market	Recipient gets PEN 26,701.05 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €96.331 EUR = 3.8677 PEN PEN 26,701.05You pay€7,000.00
Western Union Pay via Debit card	Fee €0.00 1 EUR = 3.8122 PEN +1.45% vs mid-market	Recipient gets PEN 26,685.68 Minutes - 2 days
8 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 3.8122 PEN PEN 26,685.68You pay€7,000.00

Western Union Pay via Bank transfer	Fee €0.00 1 EUR = 3.8122 PEN +1.45% vs mid-market	Recipient gets PEN 26,685.68 Minutes - 2 days
8 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 3.8122 PEN PEN 26,685.68You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €106.30 1 EUR = 3.8677 PEN 0.00% vs mid-market	Recipient gets PEN 26,662.49 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €106.301 EUR = 3.8677 PEN PEN 26,662.49You pay€7,000.00
Remitly Pay via Debit card	Fee €0.00 1 EUR = 3.7853 PEN +2.16% vs mid-market	Recipient gets PEN 26,497.10 Minutes - 3 days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 3.7853 PEN PEN 26,497.10You pay€7,000.00

Remitly Pay via Credit card	Fee €0.00 1 EUR = 3.7853 PEN +2.16% vs mid-market	Recipient gets PEN 26,497.10 Minutes - 3 days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 3.7853 PEN PEN 26,497.10You pay€7,000.00
Remitly Pay via Bank transfer	Fee €0.00 1 EUR = 3.7853 PEN +2.16% vs mid-market	Recipient gets PEN 26,497.10 Minutes - 3 days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Peru with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 3.7853 PEN PEN 26,497.10You pay€7,000.00
Wise Pay via Debit card	Fee €150.43 1 EUR = 3.8677 PEN 0.00% vs mid-market	Recipient gets PEN 26,491.81 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €150.431 EUR = 3.8677 PEN PEN 26,491.81You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €4.99 1 EUR = 3.7677 PEN +2.62% vs mid-market	Recipient gets PEN 26,373.90 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €4.991 EUR = 3.7677 PEN PEN 26,373.90You pay€7,004.99 YapeMinutes - 24 hoursAvailable via:YAPE €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 PLINMinutes - 24 hoursAvailable via:PLIN €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €3.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,003.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €4.99 1 EUR = 3.7677 PEN +2.62% vs mid-market	Recipient gets PEN 26,373.90 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €4.991 EUR = 3.7677 PEN PEN 26,373.90You pay€7,004.99 YapeMinutes - 24 hoursAvailable via:YAPE €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 PLINMinutes - 24 hoursAvailable via:PLIN €1.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €3.991 EUR = 3.7178 PEN PEN 26,024.60You pay€7,003.99
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €5.90 1 EUR = 3.7677 PEN +2.62% vs mid-market	Recipient gets PEN 26,373.90 Minutes - 24 hours
2 reviews
Ways to receive money in Peru with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €5.901 EUR = 3.7677 PEN PEN 26,373.90You pay€7,005.90 Bank depositMinutes - 24 hoursAvailable via:All Banks €5.501 EUR = 3.7178 PEN PEN 26,024.60You pay€7,005.50 YapeMinutes - 24 hoursAvailable via:YAPE €5.501 EUR = 3.7178 PEN PEN 26,024.60You pay€7,005.50 PLINMinutes - 24 hoursAvailable via:PLIN €5.501 EUR = 3.7178 PEN PEN 26,024.60You pay€7,005.50
Wise Pay via Credit card	Fee €191.78 1 EUR = 3.8677 PEN 0.00% vs mid-market	Recipient gets PEN 26,331.88 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €191.781 EUR = 3.8677 PEN PEN 26,331.88You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 3.8678 PEN Updates every 60 minutes.

Why compare

EUR/PEN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Peru

Pick a company

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

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

Fund your transfer

You have 4 ways to pay, including debit card, bank transfer, 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 Peru?

How much EUR you send to Peru 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.


€500	-1.93%	€0.00	PEN 1,971.18with debit card to bank deposit	+PEN 80.29
€1,000	-0.06%	€0.00	PEN 3,868.30with debit card to bank deposit	+PEN 69.01
€2,000	-0.06%	€0.00	PEN 7,736.60with debit card to bank deposit	+PEN 110.56
€7,000This page	0.46%	€0.00	PEN 26,950.00with debit card to mobile wallet	+PEN 340.63
€10,000	-0.01%	€0.00	PEN 38,683.00with debit card to bank deposit	+PEN 517.51

Mid-market rate: 1 EUR = 3.8678 PEN

Ways to send money from Spain to Peru

7 companies send money from Spain to Peru, across app, online, in person, multi-currency account, global account, SNPL, and digital wallet, 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 Peru.

TapTap Send charges €0 on a €7,000 transfer and pays out 26,950 PEN in minutes, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

You can pay for the transfers via debit card, bank transfer, credit card, and ideal, 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 Western Union the €7,000 by card or transferencia, and they can collect cash in Peru.

Worth noting, 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 Peru, an online money transfer service funded from your bank account is better than any bank.

Paysend turns €7,000 into 26,848.87 PEN with a €0 fee and 0.84% markup.

Sending large amounts

Currency brokers

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

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

For example, converting €7,000 gets you 26,701.05 PEN.

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 Peru.

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

Ways to fund EUR and receive PEN in Peru

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

With TapTap Send, paying by debit card and receiving through a mobile wallet is the cheapest combination. Sending €7,000 gives your recipient 26,950 PEN.

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

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

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

Payout is available through Dale, Luqea, and Prexpe.

Collect cash in Peru

Your recipient can collect PEN from a participating Western Union location in Peru.

1

Debit card Mobile wallet

You pay €7,000.00

S/26,950

Cheapest
2

Debit card Plin

You pay €7,000.00

S/26,950

S/0
3

Debit card Yape

You pay €7,000.00

S/26,950

S/0
4

Debit card Bank deposit

You pay €7,000.99

S/26,950

S/0
5

Debit card Cash pickup

You pay €7,004.99

S/26,950

S/0

Show moreShow less

6

Debit card Mobile money

You pay €7,000.00

S/26,931

-S/19
7

Credit card Bank deposit

You pay €7,000.00

S/26,849

-S/101
8

Bank transfer Bank deposit

You pay €7,000.00

S/26,701

-S/249
9

Ideal Bank deposit

You pay €7,000.00

S/26,662

-S/288
10

Credit card Cash pickup

You pay €7,004.99

S/26,374

-S/576
11

Bank transfer Cash pickup

You pay €7,005.90

S/26,374

-S/576
12

Credit card Yape

You pay €7,001.99

S/26,025

-S/925
13

Credit card Plin

You pay €7,001.99

S/26,025

-S/925
14

Bank transfer Yape

You pay €7,005.50

S/26,025

-S/925
15

Bank transfer Plin

You pay €7,005.50

S/26,025

-S/925

What to consider when sending money from Spain

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

Find the best EUR/PEN transfer

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

Cheapest option

Use S/26,950, pay by debit card and choose mobile wallet for the payout. Your recipient gets 26,950 PEN, which is 0.07% more than the next best option.

Fastest option

With TapTap Send, a debit card payment to mobile wallet gives your recipient 26,950 PEN in minutes.

SEPA & PEN are different

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

Sending EUR to Peru 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 Peru.

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.

Live EUR-PEN Exchange Rate

Finding the best rate to send money from Spain to Peru

The exchange rate has a direct impact on how much PEN your recipient gets. A weekly comparison makes it easier to judge today's EUR/PEN rate.

Mid-market rate:1 EUR = 3.864509 PEN

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 7 of them on EUR to PEN, comparing fees, rates and the ways money can be paid in and collected. Each one also goes through our own review.

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.

How to send money to Peru from Spain with the best EUR-PEN rate

Best companies for EUR/PEN transfers