How to send money to US from Spain with the best EUR-USD rate

Comparing based on your specific needs is the best way to send money from Spain to the United States with confidence.

Right now, for EUR/USD

• Wise is our top choice for EUR to USD transfers. Sending 7,000 EUR to USD will cost you €34.28 in fees, and you will receive 7,917.93 USD. The delivery time usually is el mismo día.

• Key Currency offers the lowest fees of the 17 available options. This cost combines the exchange rate between the Euro and US Dollar that is 0.25% different to the mid-market rate and the fee of 0 EUR.

• Fastest way to transfer money to United States from Spain is with Taptap Send. For example, sending €7,000 to United States with Taptap Send will be minutos. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Our analysis, and search results, include 17 providers that operate between Spain and the United States. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in Spain when you need to send money to the United States.

The exchange rate determines the price you’ll pay for US Dollar when you send Euro to the United States.

The current exchange rate between the Euro and US Dollar is 1.1342, but it constantly changes.

When calculating the costs of money transfers between Spain and United States, opt for the best combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: Today, the EUR-USD mid-market rate equals 1.1342 USD per Euro.

• Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Key Currency, only 0 EUR. We would recommend searching for your exact send amount to get an idea of fees.

• Amount Received: The amount received in US Dollar is the biggest indicator the total cost of sending money from Spain to the United States. Essentially, the more the recipient receives in the United States, the less it is costing to send from Spain.

It’s possible that waiting a day or two can help you get more USD for the same amount of Euro. But, the best way to lock in a price between Spain and the United States is by using a forward contract.

A bank transfer is the our recommended option for money transfers between Spain and the United States.

Here are all the ways to send money from Spain to United States:

Bank transfers

Paying via a bank transfer is often the better option for sending money from Spain to the United States.

By using a money transfer company such as Key Currency for transfers from Spain to the United States, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Spain to the United States with a debit or a prepaid card is easy with Wise.


Wise is a one of the better options in the market for international debit card transfers from Spain to the United States.

Credit cards

When it comes to credit card transfers from Spain to the United States, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities in both Spain and United States to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Spain and the United States.

Some services have minimum or maximum thresholds on how much you can transfer from Spain to the United States.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of EUR to United States. The combination of rates and fees when sending to the United States is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Spain, or entering the United States. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in United States. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Spain to the United States will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Spain into US Dollar. Wise is the best company for bank transfers between Spain and United States.

And if you need cash right away, check if cash pickup is an option for transfers between Spain and the United States.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When signing up to a money transfer company to send between Spain and the United States, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Spain this will be a government ID like a passport or driver's license. In the United States it will be a similar set of documents, although this should only be needed if you are opening a new account in the United States, or collecting in cash.

Big transactions between Spain and the United States, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Spain.

When sending large amounts of money between Spain and the United States there will be tax implications to consider.

Some transfers into US Dollar may need to be reported to tax authorities in the United States, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in the United States based on age, income and a few other elements. When in doubt, please contact a tax professional in Spain or the United States to discuss your personal circumstances.