Best companies for EUR/ZMW transfers
6 of 6 providers Last updated on 10 November 2026
Based on 7,000 EUR transfer Best companies for EUR/ZMW transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €96.40 1 EUR = 22.9091 ZMW -0.55% vs mid-market	Recipient gets ZK 158,155.26 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT €96.401 EUR = 22.9091 ZMW ZK 158,155.26You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 21.8977 ZMW +3.97% vs mid-market	Recipient gets ZK 153,283.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.8977 ZMW ZK 153,283.90You pay€7,000.00
Run a live search Showing top Spain to Zambia 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 ZMW rates.
Run a live search These companies offer multi-currency accounts for spending ZMW. We suggest doing a live search based on how much EUR you're planning to spend in Zambia.
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 = 22.7227 ZMW +0.27% vs mid-market	Recipient gets ZK 159,059.11 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Zambia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 22.7227 ZMW ZK 159,059.11You pay€7,000.00
Wise Pay via Bank transfer	Fee €96.40 1 EUR = 22.9091 ZMW -0.55% vs mid-market	Recipient gets ZK 158,155.26 Same day
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT €96.401 EUR = 22.9091 ZMW ZK 158,155.26You pay€7,000.00
Wise Pay via iDEAL	Fee €106.38 1 EUR = 22.9091 ZMW -0.55% vs mid-market	Recipient gets ZK 157,926.63 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT €106.381 EUR = 22.9091 ZMW ZK 157,926.63You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 22.5140 ZMW +1.19% vs mid-market	Recipient gets ZK 157,598.00 Minutes
2 reviews Fastest Receive to bank account
Ways to receive money in Zambia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 EUR = 22.5140 ZMW ZK 157,598.00You pay€7,000.00
Wise Pay via Debit card	Fee €150.51 1 EUR = 22.9091 ZMW -0.55% vs mid-market	Recipient gets ZK 156,915.65 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT €150.511 EUR = 22.9091 ZMW ZK 156,915.65You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 22.3627 ZMW +1.87% vs mid-market	Recipient gets ZK 156,539.18 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Zambia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 EUR = 22.3627 ZMW ZK 156,539.18You pay€7,000.00 Cash pickupMinutes - 2 days €0.991 EUR = 21.9976 ZMW ZK 153,961.63You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 21.8853 ZMW ZK 153,197.17You pay€7,000.00
Wise Pay via Credit card	Fee €191.86 1 EUR = 22.9091 ZMW -0.55% vs mid-market	Recipient gets ZK 155,968.36 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT €191.861 EUR = 22.9091 ZMW ZK 155,968.36You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €1.99 1 EUR = 22.2617 ZMW +2.32% vs mid-market	Recipient gets ZK 155,831.90 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 22.2617 ZMW ZK 155,831.90You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 22.1792 ZMW ZK 155,254.40You pay€7,001.00

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €1.99 1 EUR = 22.2617 ZMW +2.32% vs mid-market	Recipient gets ZK 155,831.90 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 22.2617 ZMW ZK 155,831.90You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 22.1792 ZMW ZK 155,254.40You pay€7,001.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €1.99 1 EUR = 22.2617 ZMW +2.32% vs mid-market	Recipient gets ZK 155,831.90 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 22.2617 ZMW ZK 155,831.90You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 22.1792 ZMW ZK 155,254.40You pay€7,001.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 21.8977 ZMW +3.97% vs mid-market	Recipient gets ZK 153,283.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.8977 ZMW ZK 153,283.90You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 21.8977 ZMW +3.97% vs mid-market	Recipient gets ZK 153,283.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.8977 ZMW ZK 153,283.90You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 21.8977 ZMW +3.97% vs mid-market	Recipient gets ZK 153,283.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.8977 ZMW ZK 153,283.90You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 22.7842 ZMW Updates every 60 minutes.

Why compare

EUR/ZMW exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Zambia

Pick a company

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

Regency FX was the cheapest on 28 of the 30 days it quoted €7,000 transfers to Zambia.

The best option will change depending on the amount, so it's good to to get the best EUR/ZMW 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 €1,000 per transfer (some banks set it lower), 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 Zambia?

How much EUR you send to Zambia 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 93% of the transfers from €5,000 it quoted, and in 93% of all the transfers it quoted.


€500	0.35%	€0.00	ZK 11,340.00with debit card to bank deposit	+ZK 288.12
€1,000	0.37%	€0.00	ZK 22,690.00with debit card to bank deposit	+ZK 511.90
€2,000	0.33%	€0.00	ZK 45,380.00with debit card to bank deposit	+ZK 724.64
€5,000	-0.61%	€71.14	ZK 112,891.60with bank transfer to bank deposit	+ZK 1,607.68
€7,000This page	0.27%	€0.00	ZK 159,059.11with bank transfer to bank deposit	+ZK 2,942.99
€10,000	0.27%	€0.00	ZK 227,227.30with bank transfer to bank deposit	+ZK 4,228.47

Mid-market rate: 1 EUR = 22.7842 ZMW

EUR/ZMW Exchange Rate History

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

The cheapest way to send EUR to ZMW 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 Zambia.

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 ZMW 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 2 of the last 30 days.

Right now, Regency FX pays 159,059.11 ZMW on 7,000 EUR, which is 430.62 ZMW less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 159,191.99 ZMW.

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 Zambia.

We've tracked 179 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

Regency FXAppeared in 59 comparisons
Cheapest in 93% of them
WiseAppeared in 179 comparisons
Cheapest in 28% of them
TapTap SendAppeared in 179 comparisons
Cheapest in 5% of them

Based on 179 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 28% of its comparisons, so it's rarely the cheapest option for transfers to Zambia.

Ways to send money from Spain to Zambia

6 companies send money from Spain to Zambia, across app, online, currency broker, multi-currency account, global business account, and in person, 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 Zambia.

Wise charges €96.40 on a €7,000 transfer and pays out 158,155.26 ZMW in next day, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

Over the past month, Wise was the cheapest app on 87% of the days it appeared for €7,000 transfers.

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

Our data shows MoneyGram came out cheapest among in-person options on 100% 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 Zambia, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 158,155.26 ZMW with a €96.40 fee and -0.55% markup.

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

Sending large amounts

Currency brokers

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

The best multi-currency account in Spain with ZMW 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 158,155.26 ZMW.

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 Zambia.

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

Ways to fund EUR and receive ZMW in Zambia

How you fund the transfer and how your recipient receives it affect the fees and how much ZMW 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 159,059.11 ZMW.

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 Zambia 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 Zambia depends on the company's payout time and delivery method.

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

Collect cash in Zambia

Your recipient can collect ZMW from a participating MoneyGram location in Zambia.

1

Bank transfer Bank deposit

You pay €7,000.00

ZK159,059

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

ZK157,927

-ZK1,132
3

Debit card Mobile money

You pay €7,000.00

ZK157,598

-ZK1,461
4

Debit card Bank deposit

You pay €7,000.00

ZK156,916

-ZK2,143
5

Credit card Bank deposit

You pay €7,000.00

ZK155,968

-ZK3,091

Show moreShow less

6

Bank transfer Mobile wallet

You pay €7,001.99

ZK155,832

-ZK3,227
7

Debit card Mobile wallet

You pay €7,001.99

ZK155,832

-ZK3,227
8

Credit card Mobile wallet

You pay €7,001.99

ZK155,832

-ZK3,227
9

Bank transfer Cash pickup

You pay €7,001.00

ZK155,254

-ZK3,805
10

Debit card Cash pickup

You pay €7,001.00

ZK155,254

-ZK3,805
11

Credit card Cash pickup

You pay €7,001.00

ZK155,254

-ZK3,805
12

Debit card Card deposit

You pay €7,000.00

ZK153,197

-ZK5,862

What to consider when sending money from Spain

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

Find the best EUR/ZMW transfer

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

Cheapest option

Use Regency FX, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 159,059.11 ZMW, which is 0.57% more than the next best option.

Fastest option

With TapTap Send, a debit card payment to mobile money gives your recipient 157,598 ZMW, and its delivery time is minutes.

SEPA & ZMW are different

SEPA and SEPA Instant only work with euro payments, and Bizum largely operates in Spain.

Sending EUR to Zambia 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 Zambia.

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 6 of them on EUR to ZMW, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 179 comparisons across 6 amounts.

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

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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.2537	–	ZK 155,775.69
Regency FX Cheapest	22.1936	€0.00	ZK 155,355.10	−ZK 420.59
Wise	22.4235	€96.42	ZK 154,802.43	−ZK 973.26
TapTap Send	21.5910	€0.00	ZK 151,137.00	−ZK 4,638.69

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.2335	–	ZK 155,634.65
Regency FX Cheapest	22.1735	€0.00	ZK 155,214.44	−ZK 420.21
Wise	22.3880	€96.44	ZK 154,556.90	−ZK 1,077.75
TapTap Send	21.5820	€0.00	ZK 151,074.00	−ZK 4,560.65

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.1078	–	ZK 154,754.87
Regency FX Cheapest	22.0481	€0.00	ZK 154,337.03	−ZK 417.84
Wise	22.3218	€96.47	ZK 154,099.22	−ZK 655.65
TapTap Send	21.4370	€0.00	ZK 150,059.00	−ZK 4,695.87

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.3185	–	ZK 156,229.75
Regency FX Cheapest	22.2583	€0.00	ZK 155,807.92	−ZK 421.82
Wise	22.5136	€96.42	ZK 155,424.44	−ZK 805.30
TapTap Send	21.6000	€0.00	ZK 151,200.00	−ZK 5,029.74

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4043	–	ZK 156,830.41
Regency FX Cheapest	22.3439	€0.00	ZK 156,406.97	−ZK 423.44
Wise	22.6033	€96.40	ZK 156,044.14	−ZK 786.27
TapTap Send	21.7230	€0.00	ZK 152,061.00	−ZK 4,769.41

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5303	–	ZK 157,712.17
Wise Cheapest	22.9670	€96.40	ZK 158,554.98	+ZK 842.81
Regency FX	22.4695	€0.00	ZK 157,286.35	−ZK 425.82
TapTap Send	21.7170	€0.00	ZK 152,019.00	−ZK 5,693.17

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5162	–	ZK 157,613.32
Regency FX Cheapest	22.4554	€0.00	ZK 157,187.77	−ZK 425.55
Wise	22.5511	€96.42	ZK 155,683.32	−ZK 1,930.00
TapTap Send	22.2300	€0.00	ZK 155,610.00	−ZK 2,003.32

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4375	–	ZK 157,062.35
Regency FX Cheapest	22.3769	€0.00	ZK 156,638.28	−ZK 424.07
Wise	22.6222	€96.41	ZK 156,174.39	−ZK 887.96
TapTap Send	21.7670	€0.00	ZK 152,369.00	−ZK 4,693.35

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4213	–	ZK 156,948.93
Regency FX Cheapest	22.3607	€0.00	ZK 156,525.17	−ZK 423.76
Wise	22.6328	€96.42	ZK 156,247.35	−ZK 701.58
TapTap Send	21.7600	€0.00	ZK 152,320.00	−ZK 4,628.93

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5408	–	ZK 157,785.44
Regency FX Cheapest	22.4799	€0.00	ZK 157,359.42	−ZK 426.02
Wise	22.6922	€96.41	ZK 156,657.64	−ZK 1,127.80
TapTap Send	21.8800	€0.00	ZK 153,160.00	−ZK 4,625.44

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4634	–	ZK 157,244.04
Regency FX Cheapest	22.4028	€0.00	ZK 156,819.48	−ZK 424.56
TapTap Send	22.3700	€0.00	ZK 156,590.00	−ZK 654.04
Wise	22.6414	€96.43	ZK 156,306.49	−ZK 937.55

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5067	–	ZK 157,546.73
Regency FX Cheapest	22.4459	€0.00	ZK 157,121.35	−ZK 425.38
Wise	22.6976	€96.42	ZK 156,694.70	−ZK 852.02
TapTap Send	21.8350	€0.00	ZK 152,845.00	−ZK 4,701.73

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4909	–	ZK 157,436.48
Regency FX Cheapest	22.4302	€0.00	ZK 157,011.40	−ZK 425.08
Wise	22.6314	€96.42	ZK 156,237.68	−ZK 1,198.80
TapTap Send	22.0200	€0.00	ZK 154,140.00	−ZK 3,296.48

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5055	–	ZK 157,538.81
Regency FX Cheapest	22.4448	€0.00	ZK 157,113.45	−ZK 425.36
Wise	22.6043	€96.45	ZK 156,049.92	−ZK 1,488.89
TapTap Send	22.2420	€0.00	ZK 155,694.00	−ZK 1,844.81

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4803	–	ZK 157,361.93
Regency FX Cheapest	22.4196	€0.00	ZK 156,937.05	−ZK 424.88
TapTap Send	22.2000	€0.00	ZK 155,400.00	−ZK 1,961.92
Wise	22.4643	€96.47	ZK 155,082.97	−ZK 2,278.95

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.4402	–	ZK 157,081.15
Regency FX Cheapest	22.3796	€0.00	ZK 156,657.03	−ZK 424.12
Wise	22.6674	€96.46	ZK 156,485.30	−ZK 595.85
TapTap Send	22.1870	€0.00	ZK 155,309.00	−ZK 1,772.15

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6202	–	ZK 158,341.45
Regency FX Cheapest	22.5591	€0.00	ZK 157,913.93	−ZK 427.52
Wise	22.6861	€96.43	ZK 156,615.08	−ZK 1,726.37
TapTap Send	22.3270	€0.00	ZK 156,289.00	−ZK 2,052.45

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.5683	–	ZK 157,978.23
Regency FX Cheapest	22.5074	€0.00	ZK 157,551.68	−ZK 426.55
Wise	22.7310	€96.45	ZK 156,924.60	−ZK 1,053.63
TapTap Send	22.2850	€0.00	ZK 155,995.00	−ZK 1,983.23

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6614	–	ZK 158,629.89
Regency FX Cheapest	22.6002	€0.00	ZK 158,201.59	−ZK 428.30
Wise	22.7258	€96.42	ZK 156,889.38	−ZK 1,740.51
TapTap Send	22.3550	€0.00	ZK 156,485.00	−ZK 2,144.89

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6557	–	ZK 158,589.72
Regency FX Cheapest	22.5945	€0.00	ZK 158,161.53	−ZK 428.19
Wise	22.7194	€96.43	ZK 156,844.97	−ZK 1,744.75
TapTap Send	22.3870	€0.00	ZK 156,709.00	−ZK 1,880.72

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6674	–	ZK 158,671.67
Regency FX Cheapest	22.6062	€0.00	ZK 158,243.26	−ZK 428.41
Wise	22.8521	€96.40	ZK 157,761.76	−ZK 909.91
TapTap Send	22.3710	€0.00	ZK 156,597.00	−ZK 2,074.67

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.8033	–	ZK 159,622.97
Regency FX Cheapest	22.7417	€0.00	ZK 159,191.99	−ZK 430.98
Wise	22.9801	€96.40	ZK 158,645.42	−ZK 977.55
TapTap Send	22.5280	€0.00	ZK 157,696.00	−ZK 1,926.97

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6837	–	ZK 158,785.58
Regency FX Cheapest	22.6224	€0.00	ZK 158,356.86	−ZK 428.72
Wise	22.7455	€96.44	ZK 157,024.92	−ZK 1,760.66
TapTap Send	22.4280	€0.00	ZK 156,996.00	−ZK 1,789.58

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.6568	–	ZK 158,597.53
Regency FX Cheapest	22.5956	€0.00	ZK 158,169.32	−ZK 428.21
TapTap Send	22.3760	€0.00	ZK 156,632.00	−ZK 1,965.53
Wise	22.6598	€96.46	ZK 156,432.84	−ZK 2,164.69

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	22.7034	–	ZK 158,923.95
Regency FX Cheapest	22.6421	€0.00	ZK 158,494.86	−ZK 429.09
TapTap Send	22.4290	€0.00	ZK 157,003.00	−ZK 1,920.95
Wise	22.6598	€96.46	ZK 156,432.84	−ZK 2,491.11

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