How to send money to Costa Rica from Finland with the best EUR-CRC rate

We’ve compared and analysed 4 money transfer companies in Finland.

Best companies for EUR/CRC transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/CRC transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.0960 CRC +0.70% vs mid-market Recipient gets ₡3,467,538.87 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.0960 CRC
₡3,467,538.87You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 481.7831 CRC +5.02% vs mid-market Recipient gets ₡3,372,481.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.7831 CRC
₡3,372,481.70You pay€7,000.00

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Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 505.2445 CRC +0.27% vs mid-market Recipient gets ₡3,536,711.70 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Costa Rica with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 505.2445 CRC
₡3,536,711.70You pay€7,000.00

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.0960 CRC +0.70% vs mid-market Recipient gets ₡3,467,538.87 Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.0960 CRC
₡3,467,538.87You pay€7,000.00

Wise

Pay via iDEAL
Fee €117.54 1 EUR = 503.0960 CRC +0.70% vs mid-market Recipient gets ₡3,462,538.10 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€117.541 EUR = 503.0960 CRC
₡3,462,538.10You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 499.1108 CRC +1.49% vs mid-market Recipient gets ₡3,458,588.51 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€70.501 EUR = 499.1108 CRC
₡3,458,588.51You pay€7,000.00

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.

Wise

Pay via Debit card
Fee €161.52 1 EUR = 503.0960 CRC +0.70% vs mid-market Recipient gets ₡3,440,411.93 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€161.521 EUR = 503.0960 CRC
₡3,440,411.93You pay€7,000.00

Wise

Pay via Credit card
Fee €202.73 1 EUR = 503.0960 CRC +0.70% vs mid-market Recipient gets ₡3,419,679.35 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€202.731 EUR = 503.0960 CRC
₡3,419,679.35You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €221.00 1 EUR = 499.1108 CRC +1.49% vs mid-market Recipient gets ₡3,383,472.33 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€221.001 EUR = 499.1108 CRC
₡3,383,472.33You pay€7,000.00

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.

Xe

Pay via Debit card
Fee €0.00 1 EUR = 481.7831 CRC +5.02% vs mid-market Recipient gets ₡3,372,481.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.7831 CRC
₡3,372,481.70You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 481.7831 CRC +5.02% vs mid-market Recipient gets ₡3,372,481.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.7831 CRC
₡3,372,481.70You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 481.7831 CRC +5.02% vs mid-market Recipient gets ₡3,372,481.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.7831 CRC
₡3,372,481.70You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 506.6124 CRC Updates every 60 minutes.

How to send money from Finland to Costa Rica

Pick a company

For a one-off EUR transfer to Costa Rica, start with Regency FX.

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

On a 7,000 EUR transfer, Regency FX delivers the most CRC.

The cheapest option depends on the amount, so I suggest to get the best EUR/CRC rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Select how you want the recipient to pick up the money. For transfers to Costa Rica they can receive it via bank deposit.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Compare amounts

How much EUR are you sending to Costa Rica?

How much EUR you send to Costa Rica 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 100% of the transfers from €2,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
€5001.65%€0.00₡249,232.13with debit card to bank deposit+₡3,615.65
€2,0001.51%€13.00₡991,577.39with bank transfer to bank deposit+₡8,558.77
€7,000This page0.27%€0.00₡3,536,711.70with bank transfer to bank deposit+₡108,073.11

Mid-market rate: 1 EUR = 506.6124 CRC

EUR/CRC Exchange Rate History

Is today a good time to send money from Finland to Costa Rica?

The cheapest way to send EUR to CRC 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 Costa Rica.

CRC received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate₡3,546,286.67 Regency FX ₡3,536,711.70Regency FX₡3,536,711.70Wise₡3,467,538.87Revolut₡3,458,588.51

3,40M
3,45M
3,50M
3,55M
3,60M
3,65M
At the mid-market rateWith the cheapest optionRegency FXWiseRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.5408 – ₡3,608,785.82
Regency FX Cheapest 514.1489 €0.00 ₡3,599,042.10 −₡9,743.72
Wise 515.1370 €107.60 ₡3,550,530.26 −₡58,255.56
Revolut 510.9380 €70.50 ₡3,540,544.84 −₡68,240.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.6910 – ₡3,623,836.68
Regency FX Cheapest 516.2932 €0.00 ₡3,614,052.32 −₡9,784.36
Wise 516.6010 €107.60 ₡3,560,620.73 −₡63,215.95
Revolut 512.6114 €70.50 ₡3,552,140.78 −₡71,695.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.5452 – ₡3,622,816.09
Regency FX Cheapest 516.1478 €0.00 ₡3,613,034.49 −₡9,781.60
Wise 516.0380 €107.60 ₡3,556,740.31 −₡66,075.78
Revolut 512.1845 €70.50 ₡3,549,182.52 −₡73,633.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.1775 – ₡3,620,242.79
Regency FX Cheapest 515.7812 €0.00 ₡3,610,468.14 −₡9,774.65
Wise 515.6120 €107.60 ₡3,553,804.15 −₡66,438.64
Revolut 511.4772 €70.50 ₡3,544,281.56 −₡75,961.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.8287 – ₡3,610,800.87
Regency FX Cheapest 514.4360 €0.00 ₡3,601,051.70 −₡9,749.17
Wise 515.3760 €107.60 ₡3,552,177.54 −₡58,623.33
Revolut 509.7374 €140.50 ₡3,496,543.42 −₡114,257.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 514.7933 – ₡3,603,553.29
Regency FX Cheapest 513.4034 €0.00 ₡3,593,823.70 −₡9,729.59
Wise 515.3760 €107.60 ₡3,552,177.54 −₡51,375.75
Revolut 509.6860 €140.50 ₡3,496,191.00 −₡107,362.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 512.6102 – ₡3,588,271.60
Regency FX Cheapest 511.2262 €0.00 ₡3,578,583.26 −₡9,688.34
Wise 512.8110 €107.60 ₡3,534,498.54 −₡53,773.06
Revolut 508.9820 €70.50 ₡3,526,990.98 −₡61,280.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 512.7164 – ₡3,589,014.88
Regency FX Cheapest 511.3321 €0.00 ₡3,579,324.54 −₡9,690.34
Wise 513.4470 €107.60 ₡3,538,882.10 −₡50,132.78
Revolut 509.7182 €70.50 ₡3,532,092.06 −₡56,922.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 513.2437 – ₡3,592,705.97
Regency FX Cheapest 511.8580 €0.00 ₡3,583,005.66 −₡9,700.31
Wise 512.0660 €107.60 ₡3,529,363.70 −₡63,342.27
Revolut 508.0206 €70.50 ₡3,520,329.02 −₡72,376.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.7013 – ₡3,574,908.75
Regency FX Cheapest 509.3224 €0.00 ₡3,565,256.50 −₡9,652.25
Wise 509.9150 €107.60 ₡3,514,538.15 −₡60,370.60
Revolut 505.8072 €70.50 ₡3,504,991.10 −₡69,917.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.0034 – ₡3,570,024.09
Regency FX Cheapest 508.6264 €0.00 ₡3,560,385.03 −₡9,639.06
Wise 509.7120 €107.60 ₡3,513,138.99 −₡56,885.10
Revolut 505.5481 €70.50 ₡3,503,195.44 −₡66,828.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Revolut 502.4499 €140.50 ₡3,446,555.17 −₡132,264.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Revolut 502.4499 €140.50 ₡3,446,555.17 −₡132,264.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8985 – ₡3,576,289.64
Regency FX Cheapest 509.5191 €0.00 ₡3,566,633.66 −₡9,655.98
Wise 508.2530 €107.60 ₡3,503,082.98 −₡73,206.66
Revolut 504.2216 €70.50 ₡3,494,003.55 −₡82,286.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.1882 – ₡3,571,317.11
Regency FX Cheapest 508.8107 €0.00 ₡3,561,674.56 −₡9,642.55
Wise 505.8450 €107.60 ₡3,486,486.08 −₡84,831.03
Revolut 501.8111 €70.50 ₡3,477,300.30 −₡94,016.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 508.6262 – ₡3,560,383.16
Regency FX Cheapest 507.2529 €0.00 ₡3,550,770.12 −₡9,613.04
Wise 505.8960 €107.60 ₡3,486,837.59 −₡73,545.57
Revolut 501.8050 €70.50 ₡3,477,258.03 −₡83,125.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.6372 – ₡3,574,460.32
Regency FX Cheapest 509.2585 €0.00 ₡3,564,809.28 −₡9,651.04
Wise 506.0650 €107.60 ₡3,488,002.41 −₡86,457.91
Revolut 502.0441 €70.50 ₡3,478,914.56 −₡95,545.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.6082 – ₡3,581,257.39
Regency FX Cheapest 510.2269 €0.00 ₡3,571,587.99 −₡9,669.40
Wise 506.8450 €107.60 ₡3,493,378.48 −₡87,878.91
Revolut 502.7939 €70.50 ₡3,484,110.01 −₡97,147.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4028 – ₡3,579,819.27
Regency FX Cheapest 510.0220 €0.00 ₡3,570,153.76 −₡9,665.51
Wise 506.4010 €107.60 ₡3,490,318.25 −₡89,501.02
Revolut 500.5797 €140.50 ₡3,433,726.63 −₡146,092.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4028 – ₡3,579,819.27
Regency FX Cheapest 510.0220 €0.00 ₡3,570,153.76 −₡9,665.51
Wise 506.4010 €107.60 ₡3,490,318.25 −₡89,501.02
Revolut 500.5797 €140.50 ₡3,433,726.63 −₡146,092.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8138 – ₡3,575,696.27
Regency FX Cheapest 509.4346 €0.00 ₡3,566,041.89 −₡9,654.38
Wise 505.3450 €107.60 ₡3,483,039.88 −₡92,656.39
Revolut 501.2610 €70.50 ₡3,473,488.16 −₡102,208.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.1483 – ₡3,571,038.20
Regency FX Cheapest 508.7709 €0.00 ₡3,561,396.39 −₡9,641.81
Wise 507.4950 €107.60 ₡3,497,858.54 −₡73,179.66
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 508.8371 – ₡3,561,859.40
Regency FX Cheapest 507.4632 €0.00 ₡3,552,242.38 −₡9,617.02
Wise 507.8530 €107.60 ₡3,500,326.02 −₡61,533.38
Revolut 503.7980 €70.50 ₡3,491,067.95 −₡70,791.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.5875 – ₡3,581,112.32
Regency FX Cheapest 510.2062 €0.00 ₡3,571,443.31 −₡9,669.01
Wise 510.7210 €107.60 ₡3,520,093.42 −₡61,018.90
Revolut 506.6205 €70.50 ₡3,510,627.06 −₡70,485.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.9532 – ₡3,576,672.38
Regency FX Cheapest 509.5736 €0.00 ₡3,567,015.36 −₡9,657.02
Wise 508.8850 €107.60 ₡3,507,438.97 −₡69,233.41
Revolut 505.0495 €70.50 ₡3,499,740.36 −₡76,932.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Revolut 501.4497 €140.50 ₡3,439,694.13 −₡136,236.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Revolut 501.4497 €140.50 ₡3,439,694.13 −₡136,236.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.3715 – ₡3,572,600.33
Regency FX Cheapest 508.9935 €0.00 ₡3,562,954.31 −₡9,646.02
Wise 507.4650 €107.60 ₡3,497,651.77 −₡74,948.56
Revolut 502.5530 €70.50 ₡3,482,440.77 −₡90,159.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 509.3422 – ₡3,565,395.57
Regency FX Cheapest 507.9670 €0.00 ₡3,555,769.01 −₡9,626.56
Wise 505.2490 €107.60 ₡3,482,378.21 −₡83,017.36
Revolut 501.1991 €70.50 ₡3,473,059.15 −₡92,336.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 506.6124 – ₡3,546,286.67
Regency FX Cheapest 505.2445 €0.00 ₡3,536,711.70 −₡9,574.97
Wise 503.0960 €107.60 ₡3,467,538.87 −₡78,747.80
Revolut 499.1108 €70.50 ₡3,458,588.51 −₡87,698.16

Exchange rateFeeRecipient getsDifference

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 CRC per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of CRC on every transfer from Finland.

Right now, Regency FX pays 3,536,711.7 CRC on 7,000 EUR, which is 9,574.97 CRC less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,614,052.32 CRC.

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 Costa Rica.

We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. Regency FXAppeared in 30 comparisons

    Cheapest every time

  2. WiseAppeared in 61 comparisons

    Cheapest in 8% of them

  3. RevolutAppeared in 55 comparisons

    Cheapest in 16% of them

Based on 62 comparisons across 3 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 8% of its comparisons, so it's rarely the cheapest option for transfers to Costa Rica.

Ways to send money from Finland to Costa Rica

4 companies send money from Finland to Costa Rica, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Wise will get you 3,467,538.87 CRC on a €7,000 transfer.

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

If it's the only time you send money to Costa Rica, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Wise charges €107.6 on a €7,000 transfer, and 3,467,538.87 CRC arrives in same day.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for €7,000 transfers.

In Costa Rica they can receive money via bank deposit.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise let you hold EUR and CRC balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to CRC with Wise gets you 3,467,538.87 CRC (€107.6 in fees and 0.7% markup).

This is especially useful for travel since you are spending in CRC (no extra fees from Wise, only local ATMs).

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Costa Rica.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Costa Rica. They charge no fees and add a markup on the rate.

Regency FX charges no fee but adds 0.27% markup on top of the EUR/CRC rate.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €2,000 it quoted.

Ways to fund EUR and receive CRC in Costa Rica

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 3,536,711.7 CRC.

To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and iDEAL.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Costa Rica directly.

For withdrawals in Costa Rica, use bank deposit.

Receive CRC

The name should match the account holder's bank record, so double check it before sending.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    ₡3,536,712

    Cheapest

  2. 2
    iDEAL Bank deposit

    You pay €7,000.00

    ₡3,462,538

    -₡74,174

  3. 3
    Debit card Bank deposit

    You pay €7,000.00

    ₡3,440,412

    -₡96,300

  4. 4
    Credit card Bank deposit

    You pay €7,000.00

    ₡3,419,679

    -₡117,032

What to consider before sending money from Finland to Costa Rica

For a transfer from Finland, compare the CRC received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/CRC transfer options

For a €7,000 transfer to Costa Rica, these are the current cheapest, fastest and easiest options.

Cheapest

Regency FX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 3,536,711.7 CRC, which is 1.96% more than the next best option.

Fastest

Revolut delivers 3,458,588.51 CRC in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Costa Rica.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 4 of them on EUR to Costa Rica, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

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

Nothing appears without passing our review.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.