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Table of Contents
For a euro payment to an eligible account abroad, my suggestion is to check your Finnish bank's SEPA Instant option first.
Nordea can deliver these payments within ten seconds, including weekends, without charging a transfer fee through its app or online banking.
If the recipient needs another currency, a mobile wallet or cash, choose the service around that receiving method.
Wise offers supported instant EUR funding, Taptap Send has minutes-based wallet delivery, and Western Union can make cash ready for collection within minutes.
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At a glance
Euro bank payment: use an eligible SEPA Instant transfer
Wise: supported instant bank funding for overseas bank payments
Taptap Send: fast wallet payments to family
Remitly: Express delivery when available for your transfer
Revolut: usually instant payments to another Revolut account
TransferGo: fast payout to eligible recipient cards
Western Union: cash ready for collection within minutes
Fast services for sending money abroad
Supported instant EUR bank funding
9.2
Wise
Fees
0.1% - 2.6%
Exchange Rate Markup
0%
Transfer Speed
Minutes - 24 hours
"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."
Fast mobile-wallet payments
8.5
TapTap Send
Fees
Exchange Rate Markup
Transfer Speed
Minutes
"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."
Express delivery options
8.2
Remitly
Fees
None
Exchange Rate Markup
0.1% - 1.3%
Transfer Speed
Minutes - 3 days
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
Paying someone already on Revolut
8.8
Revolut
Fees
0.3% - 1%
Exchange Rate Markup
0.1% - 0.6%
Transfer Speed
Minutes - 5 days
"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.
Eligible recipient-card delivery
8.4
TransferGo
Fees
None
Exchange Rate Markup
0.3% - 1.1%
Transfer Speed
Minutes - 24 hours
"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."
Cash pickup within minutes
8.1
Western Union
Fees
None
Exchange Rate Markup
0.2% - 1.5%
Transfer Speed
1 - 5 days
Wise
Pay directly from your bank using instant EUR funding
I'd say consider Wise for a foreign bank payment when its Simple bank transfer option can collect euros instantly from your Finnish bank.
This uses Open Banking to authorise the payment directly through your bank, so you do not need to enter card details.
The option depends on your bank supporting it, and a standard transfer can take up to a working day when instant funding is unavailable.
Trustly is another Finnish bank-payment option, but its funding time can be zero to two working days depending on the bank.
For GBP delivery to a UK bank, the recipient usually receives the money the same working day after Wise receives and converts it.
Conversion can take up to two working days, so quick funding and quick recipient credit need to be checked together.
For a bank payment, compare the delivery time at €500 and €2,000 below.
Taptap Send is a good fit for family support when the recipient already has a verified wallet that can receive an international payment.
For recipients with GCash, Maya or Coins.ph mobile wallets in the Philippines, payments typically arrive within minutes, with delivery available around the clock.
A first international GCash payment requires the recipient to accept its remittance terms before the money can be credited.
Resolve that step before sending urgently, rather than discovering it after the payment leaves your account.
You can fund eligible Finnish transfers with a debit or supported prepaid card, while credit cards are not currently accepted from Finland.
Check the wallet's receiving limit before sending, especially if you are covering several bills with one larger payment.
The delivery time below changes with the destination and amount you send.
If you and your recipient already use Revolut, I'd say send directly between your accounts using the money already available.
Internal payments are usually instant, with a later withdrawal to another bank taking its own time.
Eligible external recipient-card payments are usually instant or take up to 30 minutes, although rare receiving-bank delays can extend delivery to 48 hours.
That can suit a recipient who wants the money in their card-linked account without joining Revolut.
Starting from an existing balance avoids a fresh deposit, but opening and verifying a new account adds time before the payment.
Check the transfer time for the destination below when you need an external payment.
TransferGo lets you send euros from Finland to supported recipient banks or cards, with the arrival estimate shown before payment.
Card payout usually takes a few minutes, while bank delivery can take a few minutes to a few hours.
I suggest comparing the receiving methods inside the transfer rather than assuming that paying by card always makes bank delivery instant.
The sender's payment method and the recipient's payout method are separate decisions, and each needs to be supported for the destination.
If you fund by manual bank payment, use the exact reference and amount to prevent delays matching the payment to your order.
Western Union
Cash your recipient can collect today
Western Union can make an eligible cash transfer available within minutes, which suits someone who needs spending money without a bank deposit.
From Finland, you can pay using supported cards, Trustly, Apple Pay or Google Pay, or fund the transfer in cash at an agent.
Finnish FOREX shops provide Western Union counter access, so cash funding does not require a separate online bank payment.
Before sending, my suggestion is to confirm the recipient's collection point is open and match their legal name to the identification they will use.
The recipient also needs the transfer's tracking number, and reaching the agent can take longer than the transfer itself.
How to fund your transfer quickly
Choose how your EUR payment reaches the company before comparing processing and recipient delivery.
Wise's accepted Simple bank transfer can collect EUR instantly, while its standard option can take up to one working day.
Your situation
How to fund it
Why it can save time
You need EUR to reach Wise today
Choose its instant Simple bank option when offered instead of Trustly
Trustly funding can take up to two working days
Your budget is on a debit or prepaid card
Use an accepted Taptap Send card, excluding credit cards
Avoids a separate manual bank payment
You already hold the required currency
Use the available Wise or Revolut balance
Removes a new deposit and conversion
Which receiving method should you choose?
Choose a receiving method the recipient can use immediately, then compare its delivery estimate for your destination.
A bank deposit
A bank deposit is suitable for paying bills or moving money into the recipient's everyday account, with timing determined by the local payment network.
For sending money from Finland to Germany, an eligible EUR SEPA Instant payment can arrive within ten seconds without currency conversion.
A foreign-currency bank payment is different, since funding and conversion can add time before the receiving bank credits the money.
A mobile wallet
Mobile wallets can receive supported international payments within minutes, including outside ordinary bank hours when the payout network operates around the clock.
For transfers from Finland to the Philippines, Taptap Send supports GCash, Maya and Coins.ph with typical delivery within minutes, 24 hours a day.
I suggest using the recipient's existing verified wallet, then checking cash-out access separately if they need physical cash.
Cash pickup
Cash pickup can be available within minutes, but the recipient needs identification and a collection point they can reach while it is open.
Western Union offers eligible minutes-based cash delivery from Finland, with availability depending on the destination and selected service.
A ready transfer does not mean the recipient has collected it, so confirm the agent before choosing cash over a bank or wallet.
A recipient card or same-service account
An eligible card payment can reach the account linked to the recipient's card, with TransferGo and Revolut offering this option on supported transfers.
Payments between Revolut users usually arrive instantly inside Revolut, while moving the money to another bank adds a separate stage.
Use the receiving option that matches where the recipient needs their money, rather than choosing an internal payment solely for its speed.
When your Finnish bank or MobilePay is enough
Your bank's eligible SEPA Instant payment can handle euros sent abroad as well as domestic transfers, without opening another transfer account.
With Nordea, choose Instant in online banking or switch on Instant payment in the app for a payment charged immediately.
Future-dated and recurring payments currently follow the standard process, so use an immediate payment when the recipient needs euros now.
Instant eligibility also needs checking for a euro account in a non-euro SEPA country, since membership alone does not establish instant receiving.
For friends in Denmark, Norway or Sweden, MobilePay offers cross-border payments to participating MobilePay or Vipps users with a receiving card.
The international service fee is 4%, with your bank's currency conversion potentially adding cost, so I suggest keeping that option for convenience-led small payments.
For money staying in Finland, an eligible bank instant transfer can handle the same immediate payment need.
Our guide to transferring money between banks in Finland covers the wider domestic process.
Avoid delays on your transfer
Complete checks before the deadline
Verify the sending account and prepare any requested documents before the payment becomes urgent, especially for a larger amount.
Resolve the recipient's details
Confirm the bank or wallet details match the recipient, and have a first-time GCash recipient accept its international-remittance terms.
Check access before choosing the payout
Confirm wallet receiving capacity or agent opening hours, then choose the funding and payout combination whose delivery estimate meets the deadline.
If a transfer is delayed, check whether the service is waiting for funding, requesting documents or has already paid the receiving bank.
Confirm a missing bank payment completed with the correct reference, and provide requested verification through the service before making another transfer.
For cash or wallet delivery, ask the recipient to check their available receiving capacity or collection access.
Does instant delivery cost more?
Compare the recipient amount for €500 below, then check which available service can deliver through the receiving method you need.
Last updated at 16/10/2026
EUR SEK
Mid Market Rate€1 = kr 11.1538
Transfer Amount€500
1
Revolut
2
Currencies Direct
3
OFX
Currency pair
They get (after fees)
Delivery time
EUR / SEK
kr 5,553.70
Within minutes
EUR / SEK
kr 5,548.30
Minutes - 24 hours
EUR / SEK
kr 5,540.65
Minutes - 24 hours
EUR GBP
Mid Market Rate€1 = £0.8443
Transfer Amount€500
1
Instarem
2
Currencies Direct
3
Revolut
Currency pair
They get (after fees)
Delivery time
EUR / GBP
£421.60
Minutes - 24 hours
EUR / GBP
£419.95
Minutes - 24 hours
EUR / GBP
£419.51
Within minutes
EUR INR
Mid Market Rate€1 = ₹106.6138
Transfer Amount€500
1
Profee
2
Remitly
3
TapTap Send
Currency pair
They get (after fees)
Delivery time
EUR / INR
₹53,776.00
Minutes - 24 hours
EUR / INR
₹53,495.00
Within a week
EUR / INR
₹53,255.00
Minutes
EUR PHP
Mid Market Rate€1 = ₱70.7411
Transfer Amount€500
1
Remitly
2
Instarem
3
OFX
Currency pair
They get (after fees)
Delivery time
EUR / PHP
₱35,715.00
Within minutes
EUR / PHP
₱35,277.20
Minutes - 24 hours
EUR / PHP
₱35,140.66
Minutes - 24 hours
The comparison orders results by cost, while Express delivery, card payment and a different payout method can change the price.
If the payment can wait, our cheapest ways to send money abroad from Finland guide puts cost first.
Enter your destination and EUR amount to compare available transfer rates and fees, then confirm the arrival estimate with the selected service.
Our methodology & why trust us
We selected regulated services available for personal transfers from Finland, using official origin eligibility, funding and recipient-delivery information alongside our comparison results.
The assessment follows the whole payment until the recipient can use it, with eligible euro bank transfers considered separately from currency conversion.
Our tables show delivery times and recipient amounts, while the method examples explain specific bank, wallet, card and cash outcomes.
Remitly's Economy data is distinguished from Express quotes, and the automatic comparison orders results by cost rather than speed.
The choices reflect receiving needs and local funding options, without turning a company's global instant-transfer percentage into a Finnish fastest ranking.
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