Best companies for EUR/PEN transfers
7 of 7 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/PEN exchange rates from our comparisons. This page updates weekly. We collect, store, and analyze EUR/PEN exchange rates from our comparisons.
Based on 7,000 EUR transfer Best companies for EUR/PEN transfers All money transfer offers for EUR/PEN transfers, sorted by most PEN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. All money transfer offers for EUR/PEN transfers, sorted by most PEN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €96.20 1 EUR = 3.8996 PEN 0.00% vs mid-market	Recipient gets PEN 26,921.92 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 €96.201 EUR = 3.8996 PEN PEN 26,921.92You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 3.8293 PEN +1.82% vs mid-market	Recipient gets PEN 26,805.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8293 PEN PEN 26,805.10You pay€7,000.00
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.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 3.8890 PEN +0.27% vs mid-market	Recipient gets PEN 27,222.67 Minutes - 24 hours
9 reviews CheapestUsing Bank transfer with Regency FX is the cheapest way to send money to Peru from Spain. Using Bank transfer with Regency FX is the cheapest way to send money to Peru from Spain. Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Peru with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8890 PEN PEN 27,222.67You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 3.8800 PEN +0.50% vs mid-market	Recipient gets PEN 27,159.89 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Peru with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8800 PEN PEN 27,159.89You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 3.8700 PEN +0.76% vs mid-market	Recipient gets PEN 27,090.00 Minutes
0 reviews 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 = 3.8700 PEN PEN 27,090.00You pay€7,000.00 PLINMinutesAvailable via:Plin Free1 EUR = 3.8700 PEN PEN 27,090.00You pay€7,000.00 YapeMinutesAvailable via:Yape Free1 EUR = 3.8700 PEN PEN 27,090.00You pay€7,000.00 Bank depositMinutes €0.991 EUR = 3.8700 PEN PEN 27,090.00You pay€7,000.99 Cash pickupMinutesAvailable via:Jet Peru Cash Pickup €4.991 EUR = 3.8700 PEN PEN 27,090.00You pay€7,004.99
Only available via Mobile App Sendwave Pay via Debit card	Fee €1.99 1 EUR = 3.8661 PEN +0.86% vs mid-market	Recipient gets PEN 27,054.80 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 = 3.8661 PEN PEN 27,054.80You pay€7,000.00 Bank depositMinutes - 3 days €1.991 EUR = 3.8508 PEN PEN 26,948.22You pay€7,000.00 Cash pickupMinutes - 3 days €1.991 EUR = 3.8508 PEN PEN 26,948.22You pay€7,000.00
Wise Pay via Bank transfer	Fee €96.20 1 EUR = 3.8996 PEN 0.00% vs mid-market	Recipient gets PEN 26,921.92 Within a week
25 reviews RecommendedBased on our editorial reviews, Wise is our recommended way to send money from Spain to Peru. Based on our editorial reviews, Wise is our recommended way to send money from Spain to Peru. 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 €96.201 EUR = 3.8996 PEN PEN 26,921.92You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €106.17 1 EUR = 3.8996 PEN 0.00% vs mid-market	Recipient gets PEN 26,883.04 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 €106.171 EUR = 3.8996 PEN PEN 26,883.04You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 3.8293 PEN +1.82% vs mid-market	Recipient gets PEN 26,805.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8293 PEN PEN 26,805.10You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 3.8293 PEN +1.82% vs mid-market	Recipient gets PEN 26,805.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8293 PEN PEN 26,805.10You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 3.8293 PEN +1.82% vs mid-market	Recipient gets PEN 26,805.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Peru with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8293 PEN PEN 26,805.10You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 3.8654 PEN +0.88% vs mid-market	Recipient gets PEN 26,785.56 Within minutes
10 reviews FastestRevolut with Bank transfer deposit is the fastest way to send EUR to Peru. Revolut with Bank transfer deposit is the fastest way to send EUR to Peru. Multi-currency cardReceive to bank account
Ways to receive money in Peru with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 3.8654 PEN PEN 26,785.56You 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 €150.30 1 EUR = 3.8996 PEN 0.00% vs mid-market	Recipient gets PEN 26,710.95 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 €150.301 EUR = 3.8996 PEN PEN 26,710.95You pay€7,000.00
Wise Pay via Credit card	Fee €191.66 1 EUR = 3.8996 PEN 0.00% vs mid-market	Recipient gets PEN 26,549.67 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 €191.661 EUR = 3.8996 PEN PEN 26,549.67You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 3.899482 PEN Updates every 60 minutes.

Why compare

EUR/PEN exchange rate

Best ways to pay & receive

Transfer speed

Historic EUR/PEN options

How to send money from Spain to Peru

Pick a company

For a one-off transfer from Spain to Peru, I suggest picking Regency FX, 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 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.

Ways to send money from Spain to Peru

7 companies send money from Spain to Peru, across app, broker, online, 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 Peru.

TapTap Send charges €0 on a €7,000 transfer and pays out 27,090 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 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 Peru, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 26,921.92 PEN with a €96.2 fee and 0% 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…

Regency FX charges no fee and works on a margin (~0.27% on EUR/PEN), with a person on the phone, and offices in Spain if you'd rather sit down with someone.

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 26,921.92 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 Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 27,222.67 PEN.

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 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, mobile wallet, plin, yape, and mobile money to receive money.

Payout is available through .

Collect cash in Peru

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

1

Bank transfer Bank deposit

You pay €7,000.00

S/27,223

Cheapest
2

Debit card Mobile wallet

You pay €7,000.00

S/27,090

-S/133
3

Debit card Plin

You pay €7,000.00

S/27,090

-S/133
4

Debit card Yape

You pay €7,000.00

S/27,090

-S/133
5

Debit card Bank deposit

You pay €7,000.99

S/27,090

-S/133

Show moreShow less

6

Debit card Cash pickup

You pay €7,004.99

S/27,090

-S/133
7

Debit card Mobile money

You pay €7,000.00

S/27,055

-S/168
8

Ideal Bank deposit

You pay €7,000.00

S/26,883

-S/340
9

Credit card Bank deposit

You pay €7,000.00

S/26,805

-S/418

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/27,222.67, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 27,222.67 PEN, which is 0.23% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 26,785.56 PEN in within 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 = 3.896994 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.

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

Best companies for EUR/PEN transfers

Transfer details