How to send money to Georgia from Finland with the best EUR-GEL rate

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

Best companies for EUR/GEL transfers

4 of 4 providers

Last updated on 28 September 2026

Based on 7,000 EUR transfer

Best companies for EUR/GEL transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €104.58 1 EUR = 2.9638 GEL +0.38% vs mid-market Recipient gets ₾20,436.92 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€104.581 EUR = 2.9638 GEL
₾20,436.92You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 2.9568 GEL +0.62% vs mid-market Recipient gets ₾20,697.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 2.9568 GEL
₾20,697.60You pay€7,000.00

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Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 2.9672 GEL +0.27% vs mid-market Recipient gets ₾20,770.40 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 2.9672 GEL
₾20,770.40You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 2.9568 GEL +0.62% vs mid-market Recipient gets ₾20,697.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 2.9568 GEL
₾20,697.60You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 2.9568 GEL +0.62% vs mid-market Recipient gets ₾20,697.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 2.9568 GEL
₾20,697.60You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 2.9568 GEL +0.62% vs mid-market Recipient gets ₾20,697.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 2.9568 GEL
₾20,697.60You pay€7,000.00

Wise

Pay via Bank transfer
Fee €104.58 1 EUR = 2.9638 GEL +0.38% vs mid-market Recipient gets ₾20,436.92 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€104.581 EUR = 2.9638 GEL
₾20,436.92You pay€7,000.00

Wise

Pay via iDEAL/WERO
Fee €114.52 1 EUR = 2.9638 GEL +0.38% vs mid-market Recipient gets ₾20,407.46 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Georgia with Wise when paying by ideal/wero.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€114.521 EUR = 2.9638 GEL
₾20,407.46You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 2.9349 GEL +1.36% vs mid-market Recipient gets ₾20,337.32 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€70.501 EUR = 2.9349 GEL
₾20,337.32You 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 €158.51 1 EUR = 2.9638 GEL +0.38% vs mid-market Recipient gets ₾20,277.08 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€158.511 EUR = 2.9638 GEL
₾20,277.08You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €130.00 1 EUR = 2.9349 GEL +1.36% vs mid-market Recipient gets ₾20,162.69 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€130.001 EUR = 2.9349 GEL
₾20,162.69You 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 Credit card
Fee €199.72 1 EUR = 2.9638 GEL +0.38% vs mid-market Recipient gets ₾20,154.94 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€199.721 EUR = 2.9638 GEL
₾20,154.94You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 2.9752 GEL Updates every 60 minutes.

How to send money from Finland to Georgia

Pick a company

For a one-off transfer to Georgia, start with Regency FX.

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

The cheapest option depends on the amount, so I suggest to get the best EUR/GEL 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 Georgia 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 a few minutes to a few hours.

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

Ways to send money from Finland to Georgia

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

Usually the cheapest

Online transfers

Companies like Xe will get you 20,697.6 GEL on €7,000 transfer.

If it's the only time you send money to Georgia, 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.

Xe charges €0 on a €7,000 transfer, and 20,697.6 GEL arrives in minutes - 24 hours.

In Georgia they can receive money via bank deposit.

Moving money between your own accounts

Multi-currency accounts

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

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

For example, converting 7,000 EUR to GEL with Wise gets you 20,436.92 GEL (€104.58 in fees and 0.39% markup).

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

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Georgia.

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 Georgia. 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/GEL rate.

Ways to fund EUR and receive GEL in Georgia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 20,770.4 GEL.

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 Georgia directly.

For withdrawals in Georgia, use bank deposit.

Receive GEL

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

    GEL20,770

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    GEL20,698

    -GEL73

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    GEL20,698

    -GEL73

  4. 4
    Ideal Bank deposit

    You pay €7,000.00

    GEL20,407

    -GEL363

What to consider before sending money from Finland to Georgia

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

Compare EUR/GEL transfer options

For a €7,000 transfer to Georgia, 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 20,770.4 GEL, which is 0.35% more than the next best option.

Fastest

Revolut delivers 20,337.32 GEL 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 Georgia.

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.

Live EUR-GEL Exchange Rate

Finding the best rate to send money from Finland to Georgia

The exchange rate has a direct impact on how much GEL your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 2.972497 GEL

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 Georgia, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

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.