The Best International Money Transfer Apps in Finland in 2026

Which app should you use to send abroad?

Choose around the payment you need, from a euro bank transfer to cash collection or a mobile-wallet deposit.

Foreign bank payments and travel balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfers alongside everyday card spending

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

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.

Sending from your Nordea account

?

Nordea

Fees

Exchange Rate Markup

Transfer Speed

Visit

Family payments with flexible delivery

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Repeat mobile-money payments

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Bank or eligible recipient-card delivery

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

Visit

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Rate alerts before a bank payment

8.6

Xe

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

Visit

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Preparing a transfer and paying cash

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Wise

Wise combines overseas bank payments with foreign balances

In my opinion, Wise suits payments when you send euros overseas and also want to receive foreign income or keep money ready for a trip.

You can save recipients, repeat previous payments and follow the transfer history without rebuilding the payment details each time.

Rate alerts help you watch a currency before sending, while the arrival estimate gives you a timeframe for the payment.

From Finland, you can pay by SEPA bank transfer or an available card method, with Trustly offered for supported personal bank accounts.

Trustly lets you authorise the payment through your bank, with the sending account held in your own name.

Your recipient receives a bank payment without signing up, but Wise does not offer cash collection.

You can hold supported foreign currencies, receive payments using available account details and spend a matching balance with the debit card.

Its multi-currency account makes more sense when you receive foreign income or travel regularly, rather than only sending an occasional euro payment.

Wise converts at the mid-market rate and charges a separate fee that changes with the amount and funding method.

There is no personal monthly subscription, while the physical debit card costs €7 and some receiving or cash-withdrawal services cost extra.

For €500 and €2,000 payments, the table shows how transfer costs change the amount arriving in each receiving currency.

Revolut

Revolut brings transfers and card spending together

I suggest Revolut for Swedish-krona payments and travel spending when you want to keep that currency in the same account.

You open and verify your account in the app, then add money through an eligible bank or card payment.

Sending to another Revolut user is instant and free, while an external bank transfer uses the recipient's bank details and its own arrival estimate.

You can retain supported incoming currencies and spend a matching balance, rather than converting back to euros after each payment.

For a euro SEPA bill, your Finnish bank can already cover the payment, so I suggest this multi-currency account for the foreign balances and card functions.

The free Standard plan includes a €1,000 monthly exchange allowance, with a 1% fee on exchanges above that allowance.

Standard also adds 1% for weekend exchange, so the timing of conversion affects both transfers and overseas card spending.

Revolut uses its own exchange rate, and non-SEPA international payments can have a separate transfer charge.

My suggestion is to start with Standard for occasional conversions, then assess a paid plan against your combined travel and transfer spending.

Bank funding is free, while commercial or non-EEA card funding can cost extra and physical-card delivery has a charge.

At €500 and €2,000, the same foreign payment can use different amounts of your exchange allowance, with earlier conversions also affecting the cost.

Nordea Mobile

Nordea works when you want to use your existing bank account

If you already have Nordea, you can send supported foreign bank payments from the same app you use for bills and account balances.

That keeps the payment record beside your bank statements, with Nordea ID handling authentication rather than another transfer-app login.

You must contact Nordea to activate currency payments before using that function in the app.

Once activated, open Payments and e-invoices, choose Currency payments and enter the receiving bank details.

The payment can come from a euro or foreign-currency account, although some destinations require the customer-service channel.

In my opinion, it suits an occasional bank payment when keeping everything in Nordea is more important than opening a separate account.

An ordinary online currency payment costs €7, while an urgent payment costs €32 before currency conversion or other bank charges.

Paying all charges through the OUR option adds €25, and correspondent-bank costs can also affect the payment.

Your usual account or service-package charges remain separate, so downloading the app does not remove the underlying banking costs.

For a standard euro SEPA payment, or an eligible instant euro SEPA payment, Nordea's digital payment fee is zero.

That makes the bank app a better starting point for ordinary euro payments than signing up for a foreign-exchange service unnecessarily.

Remitly

Remitly gives your family more ways to receive money

I suggest Remitly when the recipient needs cash collection or a supported local wallet, rather than just a bank deposit.

The app takes you through the destination, receiving method and recipient details before you authorise the payment.

You can follow the transfer from the home screen, with updates helping you keep the recipient informed.

Your recipient does not need a Remitly account, although collection or wallet requirements depend on the receiving method.

You can fund Finnish transfers using eligible debit or credit cards, with Apple Pay and Google Pay also available.

Bank funding is available on orders that offer it at checkout, where you receive the required payment instructions.

My suggestion is to choose the receiving method before judging the price, especially when a family member cannot easily reach a collection point.

Remitly charges a transfer fee and builds a margin into the exchange rate, with the route and funding method affecting both.

There is no mandatory sending subscription, but your card issuer can add its own charge.

A first-transfer promotion can reduce the initial price, so judge repeat family payments using the regular fee and rate.

The figures below show the amount received after the quoted fees for €500 and €2,000 transfers.

Taptap Send

Taptap Send suits repeat payments into a familiar mobile wallet

Taptap Send is a good fit when you regularly support someone who receives money through a supported local wallet.

You can select a saved recipient or add someone from your contacts, then review the receiving method and payment before authorising it.

Keeping that recipient in the app reduces repeated data entry, while transfer status and in-app help stay beside the payment record.

Bank deposits and cash collection are also available on supported routes, so the best choice depends on the recipient's local options.

From Finland, you can pay with an eligible debit or prepaid card, but credit cards are not accepted.

I suggest another app if credit-card funding is essential, rather than discovering the restriction during an urgent payment.

The cost comes through a destination-specific fee, exchange-rate margin or both, with no required transfer subscription.

The recipient's wallet can charge for withdrawing cash afterwards, which changes the total cost of getting spendable money.

These €500 and €2,000 examples help you see the exchange-rate margin alongside the fee for each available receiving currency.

TransferGo

TransferGo lets you manage bank or eligible card delivery

TransferGo is worth a look when the recipient can receive a supported bank deposit or a payment to an eligible card.

The app's calculator shows the fee, exchange rate and arrival estimate before you create the order.

You can change the funding and receiving method, then follow the payment in Transactions with optional delivery updates.

For bank funding, pay from your own account and include the transfer reference so the money reaches the correct order.

That extra bank-payment step suits me better for planned transfers than a payment that must be funded immediately.

Eligible card funding is another option, while recipient-card and mobile-wallet availability depends on the destination.

Transfer fees and exchange-rate costs change with the amount, delivery choice and funding method.

I suggest judging TransferGo on the finished transfer quote, rather than choosing the fastest delivery option before seeing its price.

Xe

Xe puts rate alerts beside your bank transfer

I think Xe is worth considering when you want to watch a currency and arrange a bank payment from the same app.

You can set rate alerts, view currency charts and track a transfer, with biometric access and in-app support available.

The chart or currency converter uses reference rates, while the money-transfer quote gives the rate you can send at.

An alert reaching your target does not guarantee that the finished transfer will use that exact rate.

You register and complete identity checks before sending, then enter the recipient's bank details and review the quoted payment.

Eligible bank or card funding is available for European transfers, although prepaid cards are excluded and first-time card access can be restricted.

My suggestion is to use bank funding for a planned payment and compare the finished cost before choosing a card.

The exchange-rate margin and any transfer fee affect the amount received, while a credit-card issuer can add its own charge.

Xe is a transfer and currency-monitoring app, without the everyday card-spending account offered by Wise or Revolut.

Western Union

Western Union lets you prepare on your phone and pay cash

Western Union is my pick when you want app tracking but need to fund the transfer with cash at an agent.

Create the payment on your phone, select Pay in Cash and find a participating location before completing the funding with staff.

The app keeps receiver details and the tracking number, so you can follow the transfer after leaving the counter.

FOREX offers Western Union counter service in Finland, giving you a staffed route alongside the app.

For remote funding, you can also use supported Trustly, card, Apple Pay or Google Pay methods.

Bank deposits, cash collection and wallet delivery depend on the route, with the receiving method selected before you pay.

I suggest choosing it for the cash-funding option, while checking whether the recipient can collect during the agent's opening hours.

Western Union charges a transfer fee and exchange-rate margin, and the counter price can differ from an online order.

There is no mandatory app subscription, although a card issuer can add a separate funding charge.

Cheapest apps for transfers from Finland

I suggest comparing the amount received for your actual destination, since a low app fee can be offset by its exchange rate.

For regular payments, the cheapest way to send money abroad depends on funding, delivery and the amount you send.

The quotes below compare available prices across eight destinations, with separate €500 and €2,000 examples.

Amount

Amount€500€2,000Custom

Last updated at 16/10/2026

EUR SEK

Mid Market Rate €1 = kr 11.1538€1 = kr 11.157

Transfer Amount €500€2,000

1

Revolut

2

Currencies Direct

3

OFX

1

Currencies Direct

2

Wise

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / SEK

kr 5,553.70

€0.00

11.1074

0.42%

Within minutes

Bank transfer

Visit

EUR / SEK

kr 5,548.30

€0.00

11.0966

0.51%

Minutes - 24 hours

Bank transfer

Visit

EUR / SEK

kr 5,540.65

€0.00

11.0813

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / SEK

kr 22,196.80

€0.00

11.0984

0.53%

Minutes - 24 hours

Bank transfer

Visit

EUR / SEK

kr 22,196.45

€10.50

11.1568

0.00%

Within minutes

Bank transfer

Visit

EUR / SEK

kr 22,190.00

€0.00

11.0950

0.56%

Minutes - 24 hours

Debit card

Visit

EUR EUR

Mid Market Rate €1 = €1€1 = €1

Transfer Amount €500€2,000

1

Revolut

2

Wise

1

Revolut

2

Wise

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / EUR

€500.00

€0.00

1.0000

0.00%

Within minutes

Bank transfer

Visit

EUR / EUR

€499.05

€0.95

1.0000

0.00%

Within minutes

Bank transfer

Visit

EUR / EUR

€2,000.00

€0.00

1.0000

0.00%

Within minutes

Bank transfer

Visit

EUR / EUR

€1,999.05

€0.95

1.0000

0.00%

Within minutes

Bank transfer

Visit

EUR GBP

Mid Market Rate €1 = £0.8443€1 = £0.8443

Transfer Amount €500€2,000

1

Instarem

2

Currencies Direct

3

Revolut

1

Currencies Direct

2

Wise

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£421.60

€0.00

0.8432

0.13%

Minutes - 24 hours

Bank transfer

Visit

EUR / GBP

£419.95

€0.00

0.8399

0.52%

Minutes - 24 hours

Bank transfer

Visit

EUR / GBP

£419.51

€0.75

0.8403

0.47%

Within minutes

Bank transfer

Visit

EUR / GBP

£1,679.60

€0.00

0.8398

0.53%

Minutes - 24 hours

Bank transfer

Visit

EUR / GBP

£1,679.51

€10.53

0.8442

0.01%

Within minutes

Bank transfer

Visit

EUR / GBP

£1,678.40

€0.00

0.8392

0.60%

Minutes - 24 hours

Debit card

Visit

EUR USD

Mid Market Rate €1 = $1.1226€1 = $1.1227

Transfer Amount €500€2,000

1

Currencies Direct

2

OFX

3

TapTap Send

1

Currencies Direct

2

Wise

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$558.60

€0.00

1.1172

0.48%

Minutes - 24 hours

Bank transfer

Visit

EUR / USD

$557.63

€0.00

1.1153

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / USD

$557.50

€0.00

1.1150

0.68%

Minutes

Debit card

Visit

EUR / USD

$2,234.00

€0.00

1.1170

0.51%

Minutes - 24 hours

Bank transfer

Visit

EUR / USD

$2,232.78

€10.89

1.1225

0.02%

Within 3 hours

Bank transfer

Visit

EUR / USD

$2,232.60

€0.00

1.1163

0.57%

Minutes - 24 hours

Debit card

Visit

EUR PLN

Mid Market Rate €1 = zł 4.3706€1 = zł 4.3694

Transfer Amount €500€2,000

1

Currencies Direct

2

OFX

3

Revolut

1

Xe

2

Wise

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / PLN

zł 2,172.35

€0.00

4.3447

0.59%

Minutes - 24 hours

Bank transfer

Visit

EUR / PLN

zł 2,171.08

€0.00

4.3422

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / PLN

zł 2,170.79

€1.00

4.3503

0.46%

Within minutes

Bank transfer

Visit

EUR / PLN

zł 8,701.60

€0.00

4.3508

0.43%

Minutes - 24 hours

Debit card

Visit

EUR / PLN

zł 8,690.05

€11.18

4.3694

0.00%

Within a week

Bank transfer

Visit

EUR / PLN

zł 8,687.20

€0.00

4.3436

0.59%

Minutes - 24 hours

Bank transfer

Visit

EUR INR

Mid Market Rate €1 = ₹106.6138€1 = ₹106.6349

Transfer Amount €500€2,000

1

Profee

2

Remitly

3

TapTap Send

1

Profee

2

TapTap Send

3

Remitly

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / INR

₹53,776.00

€0.00

107.5520

-0.88%

Minutes - 24 hours

Debit card

Visit

EUR / INR

₹53,495.00

€0.00

106.9900

-0.35%

Within a week

Debit card

Visit

EUR / INR

₹53,255.00

€1.99

106.5100

0.10%

Minutes

Debit card

Visit

EUR / INR

₹214,890.67

€0.00

107.4453

-0.76%

Minutes - 24 hours

Debit card

Visit

EUR / INR

₹213,020.00

€1.99

106.5100

0.12%

Minutes

Debit card

Visit

EUR / INR

₹212,500.00

€0.00

106.2500

0.36%

Within a week

Debit card

Visit

EUR PHP

Mid Market Rate €1 = ₱70.7411€1 = ₱70.7068

Transfer Amount €500€2,000

1

Remitly

2

Instarem

3

OFX

1

Remitly

2

Xe

3

CurrencyFair

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / PHP

₱35,715.00

€0.00

71.4300

-0.97%

Within minutes

Debit card

Visit

EUR / PHP

₱35,277.20

€0.00

70.5544

0.26%

Minutes - 24 hours

Debit card

Visit

EUR / PHP

₱35,140.66

€0.00

70.2813

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / PHP

₱141,260.00

€0.00

70.6300

0.11%

Within minutes

Debit card

Visit

EUR / PHP

₱140,663.20

€0.00

70.3316

0.53%

Minutes - 24 hours

Debit card

Visit

EUR / PHP

₱140,560.00

€1.13

70.3200

0.55%

Minutes - 24 hours

Bank transfer

Visit

EUR TRY

Mid Market Rate €1 = ₺55.6302€1 = ₺55.6245

Transfer Amount €500€2,000

1

Instarem

2

OFX

3

Currencies Direct

1

Wise

2

OFX

3

TapTap Send

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / TRY

₺27,781.50

€0.00

55.5630

0.12%

Minutes - 24 hours

Debit card

Visit

EUR / TRY

₺27,634.31

€0.00

55.2686

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / TRY

₺27,630.70

€0.00

55.2614

0.67%

Minutes - 24 hours

Bank transfer

Visit

EUR / TRY

₺110,630.70

€11.28

55.6291

-0.01%

Within minutes

Bank transfer

Visit

EUR / TRY

₺110,525.80

€0.00

55.2629

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / TRY

₺110,400.00

€0.00

55.2000

0.77%

Minutes

Debit card

Visit

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When your Finnish bank app is enough

For a euro payment to another SEPA bank account, my suggestion is to check your current bank's digital payment service first.

There is no currency conversion to solve, and an eligible instant SEPA payment can reach the recipient without a specialist transfer account.

Nordea's free digital euro SEPA payments illustrate why the cheapest foreign-exchange app is not automatically the best choice for that task.

For a Swedish-krona or pound payment, compare the bank's conversion and payment charge against an app quote.

If the payment is large enough that you want help arranging it, international money transfer services can include brokers alongside app-based companies.

Can you send abroad with MobilePay?

MobilePay can send phone-number payments to participating users in Denmark, Norway and Sweden, with a receiving card required.

The Finnish international service fee is 4%, and your bank's card conversion can add another cost.

I suggest using that network for a payment to someone already using it, rather than treating MobilePay as a worldwide remittance app.

For domestic payments, sending more than €400 to the same person within 24 hours incurs a 1% fee on the excess.

That is a narrower use case than paying into a foreign bank account or a mobile-money wallet outside the Nordic network.

How to send an international payment from your phone

Enter your destination and EUR amount below to compare available transfer prices from Finland before choosing how to send.