The Best International Money Transfer Services in Finland in 2026

Compare services for sending money from Finland

Check the receiving method alongside the full euro cost, especially when the recipient needs cash or a particular local wallet.

Euro-funded foreign bank payments

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."

Smaller weekday exchanges

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.

Flexible family receiving methods

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."

Bank or eligible 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."

Family payments to local wallets

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."

Staffed cash sending through FOREX

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Personal support for larger bank payments

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

Visit

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

My reviews of the services

Wise

Strong for converting euros into a foreign bank payment

Wise combines the mid-market exchange rate with bank-account delivery, making it a strong option when your Finnish euros need to arrive in another currency.

I suggest considering it for foreign rent, tuition or moving money into your own overseas account, provided the destination supports the required payment.

Finnish customers can pay through a normal bank transfer, while supported personal bank accounts also have a Trustly funding option.

Trustly connects the payment to your online banking, so you can authorise it without arranging a separate payment outside the transfer process.

The funding account must be in your name, and a bank missing from the available list requires another payment method.

Trustly funding usually takes between zero and two working days, with the recipient’s delivery estimate depending on the destination.

That estimate should be checked before relying on the payment for a deadline.

The sending fee varies with the amount and payment method, even though Wise uses the mid-market rate for conversion.

I'd say compare bank funding against card funding rather than assuming both produce the same price.

If you are simply sending euros to another SEPA account, check your existing bank’s euro-transfer price before paying a separate provider.

Revolut

Small weekday exchanges without a monthly subscription

Revolut Standard works well for smaller foreign-currency payments when you have not used its €1,000 monthly exchange allowance.

Within that allowance, weekday exchanges do not carry the additional exchange fee, although Revolut uses its own currency rate.

This suits someone who already keeps money in Revolut and makes occasional foreign payments alongside everyday spending.

The allowance includes other qualifying exchanges, so its remaining amount can be lower than you expect.

A 1% fair-use fee applies above the allowance, and Standard customers pay a 1% exchange fee during the weekend.

I suggest checking those conditions before converting a larger amount or making an urgent Sunday payment.

Transfers to other Revolut users are free, and euro SEPA payments also have no sending fee.

External foreign-currency transfers can have a separate charge, so a fee-free exchange does not guarantee a free overseas payment.

Bank funding and eligible card funding are available, with possible charges for commercial cards or cards issued outside the EEA.

A paid subscription can change the allowances, but its ongoing cost needs to be justified by your use.

I suggest choosing a cash-payout provider instead when the recipient cannot receive through an account or another supported digital method.

Remitly

Family payments with a choice of receiving methods

Remitly is a strong option when a relative needs a particular receiving bank or a nearby cash-collection location.

You can select the available delivery method for their country, rather than requiring them to open an account with the same transfer app.

Finland’s personal service supports accepted debit and credit cards, including available Apple Pay and Google Pay payments.

Bank funding is available when offered for your transfer, so only send to the nominated account shown in its payment instructions.

I'd say start with the receiving partner and then compare the total foreign amount against other providers using the same delivery method.

The price includes any transfer fee and the exchange rate, which can contain a margin.

A first-transfer offer can improve the initial payment without giving you the same price on later transfers.

Check the regular rate again when making repeated payments, especially if the family relies on a fixed amount arriving.

An eligible debit card can also avoid a credit-card issuer’s possible cash-advance charges.

Delivery speed depends on the destination, chosen method and verification, so use the estimate for your specific transfer.

Remitly Europe is regulated by the Central Bank of Ireland, with its Finnish agreement covering adults based and resident in Finland.

TransferGo

Card delivery where the recipient’s card is supported

TransferGo can suit a recipient who wants money delivered to an eligible card instead of receiving a conventional overseas bank transfer.

Finnish residents can send euros, funding the payment through an accepted card or a bank transfer in their own name.

I think this route is worth considering when the destination supports card delivery and the recipient already uses the eligible card.

Bank-account delivery is also available on supported routes, giving you another option if card payout does not fit.

However, the service cannot pay every foreign card, and the receiving options depend on the destination and recipient details.

Check those options before selecting a payment method or assuming that a previous transfer’s conditions still apply.

The price can change with the amount, funding method and payout method, with the exchange rate affecting the amount received.

A quicker card-funded payment may have a different total cost from a bank-funded payment.

I'd say choose the cheaper available method when its delivery estimate still meets the recipient’s deadline.

Sending and receiving limits also vary, so larger payments may require bank delivery or additional verification.

The European service is provided by TransferGo’s Lithuanian electronic-money institution, authorised by the Bank of Lithuania.

For cash collection, choose a provider with an available local collection partner instead.

Taptap Send

Mobile-wallet payments for recipients who spend from their wallet

Taptap Send suits sending family money to a supported mobile wallet, especially when the recipient can spend directly from that wallet balance.

That can save them a cash-collection trip while keeping the payment in a service they already use.

Available receiving methods also include bank deposits or cash collection in supported countries, but the choices differ between destinations.

Confirm the wallet provider and the recipient’s registered details before paying for the transfer.

Finnish senders can use accepted debit cards and eligible prepaid cards, while credit cards are currently not accepted from Finland.

The transfer price may include a fee, an exchange-rate margin or both, depending on the route and receiving method.

I suggest comparing the amount received using the chosen wallet rather than relying on a general fee-free claim.

If your relative needs to withdraw cash, check whether their wallet provider will charge for the withdrawal.

That extra recipient cost can change which delivery method offers the better value.

European customers use Taptap Send Belgium, which is regulated by the National Bank of Belgium.

Review the delivery estimate and any verification request before treating the money as available for an immediate bill.

Western Union

A Finnish counter option without needing a bank account

Western Union through FOREX suits people who want to arrange an overseas transfer in person and do not want to fund it through a bank account.

FOREX shops in Finland offer the service at their counters, with accepted identification such as a passport or Finnish driving licence.

I'd say use this option when cash funding or help completing the payment is more important than managing everything through an app.

The recipient can collect cash or use a supported bank, card or mobile-wallet delivery method, depending on the destination.

Counter prices depend on the receiving country and agent, while the exchange rate also contributes to the cost.

An online Western Union quote should therefore not be treated as the price at a FOREX shop.

Ask for the exact counter quote before paying, including the amount that the recipient will receive.

Where offered, next-day cash availability can cost less than the faster cash option.

I suggest choosing that slower option when the recipient does not need the money immediately.

You may need to explain the transfer’s purpose and show evidence of the money’s source.

Cash collection also depends on matching identification and the receiving agent’s opening hours, so confirm both before sending.

Currencies Direct

Help arranging a larger foreign-currency bank payment

Currencies Direct offers account-manager support for larger overseas payments, which suits moving savings or arranging a property payment in another currency.

I'd say use that support to confirm the settlement instructions and recipient details before committing a substantial amount.

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.8443

Transfer Amount €25,000

1

Wise

2

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£21,008.03

€117.81

0.8443

0.00%

Within minutes

Bank transfer

Visit

EUR / GBP

£20,997.50

€0.00

0.8399

0.52%

Minutes - 24 hours

Bank transfer

Visit

EUR USD

Mid Market Rate €1 = $1.1225

Transfer Amount €25,000

1

Wise

2

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$27,934.91

€115.88

1.1226

0.00%

Within 3 hours

Bank transfer

Visit

EUR / USD

$27,925.00

€0.00

1.1170

0.50%

Minutes - 24 hours

Bank transfer

Visit

There is no separate transfer fee charged by Currencies Direct, but the exchange rate includes its pricing margin.

A small rate difference can have a sizeable effect on a large payment, so compare the final foreign amount using the full amount you intend to send.

The absence of a sending fee is not enough to establish that the quote is cheaper than a percentage-fee provider.

Bank funding follows the instructions supplied for your account, including the payment currency and reference.

Confirm those instructions rather than assuming that a Finnish bank transfer can use another provider’s funding details.

The recipient’s bank or an intermediary may charge separately, which should be checked when an exact payment amount is required.

Its European service is provided by Currencies Direct Spain, an electronic-money institution authorised by the Bank of Spain.

I suggest keeping this service for foreign-currency bank payments where the quote and support justify it.

For a euro payment to another SEPA account, your existing Finnish bank may already provide the transfer you need.

Check whether you need currency conversion at all

For a euro payment to an Estonian or another supported SEPA bank account, I suggest checking the ordinary bank transfer before using a currency conversion service.

The payment can stay in euros, so the relevant questions are your account's transfer charge, the recipient details and the available delivery time.

If the recipient needs Swedish kronor or another currency, compare the final converted amount against the same euro budget before choosing the service.

A euro account abroad is also different from a recipient who needs local cash or a mobile wallet, even when both payments start in euros.

Match the delivery method to your family payment

Remitly can suit a family member who wants bank delivery or cash collection, while Taptap Send adds supported local wallet options.

TransferGo's eligible card deposits offer another receiving route when the destination and card support it, rather than relying on a traditional bank credit.

Western Union through FOREX can suit cash funding in Finland, with a staffed service for someone who wants help arranging the payment.

Check the recipient's exact collection point or wallet before paying, because receiving options and access conditions change between countries and partners.

Check your Finnish funding method and bank access

A service's bank funding option needs the correct payment instructions, rather than assuming local mobile payments will work in every international app.

Finnish Taptap Send customers need a supported debit or prepaid card, so a credit card that works with another service will not necessarily work here.

Remitly's available Finnish payment methods should be checked at checkout, including whether bank funding is offered for the actual transfer.

If you use Nordea for a foreign-currency payment, its currency payment function must be activated before it appears in mobile or online banking.

I'd say check that access before a payment deadline, especially if you normally only make euro transfers and have never used the currency function.

A missing destination in the bank's app can also require contacting customer service, with legal and bank restrictions still applying to the payment.

Compare the complete cost for a larger payment

Nordea's ordinary online currency payment carries a €7 sending charge, while the same payment through a branch or customer service costs €25.

Those are sending charges, so any conversion and downstream bank costs still need to be included when you compare the result with another service.

For a substantial overseas bank payment, I suggest comparing Wise with a personal quote from Currencies Direct, especially when recipient details or completion timing need support.

Revolut's Standard allowance can fit smaller weekday exchanges, but previous exchanges, weekend timing and separate transfer charges can affect the total.

For a recipient who needs an exact invoice amount, check how intermediary charges are handled instead of assuming a sender-paid fee guarantees every euro arrives.

Our cheapest ways to send money abroad from Finland guide can help you examine the costs in more detail before making a price-focused choice.

How to send money abroad from Finland

Check a rate for your next overseas payment

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