How to send money to Guatemala from Finland with the best EUR-GTQ rate

We’ve compared and analysed 5 money transfer companies in Finland.

Best companies for EUR/GTQ transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/GTQ transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €244.55 1 EUR = 8.4977 GTQ +0.19% vs mid-market Recipient gets Q 57,405.79 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
€244.551 EUR = 8.4977 GTQ
Q 57,405.79You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 8.4337 GTQ +0.94% vs mid-market Recipient gets Q 59,035.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.4337 GTQ
Q 59,035.90You pay€7,000.00

Run a live search

Showing top Finland to Guatemala deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 8.4908 GTQ +0.27% vs mid-market Recipient gets Q 59,435.48 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.4908 GTQ
Q 59,435.48You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 8.4337 GTQ +0.94% vs mid-market Recipient gets Q 59,035.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.4337 GTQ
Q 59,035.90You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 8.4337 GTQ +0.94% vs mid-market Recipient gets Q 59,035.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.4337 GTQ
Q 59,035.90You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 8.4337 GTQ +0.94% vs mid-market Recipient gets Q 59,035.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 8.4337 GTQ
Q 59,035.90You pay€7,000.00

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 8.4200 GTQ +1.11% vs mid-market Recipient gets Q 58,940.00 Minutes
Receive to bank account

Ways to receive money in Guatemala with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutesAvailable via:Banco Industrial (Solo retiro en efectivo), Banrural (Solo retiro en efectivo)
Free1 EUR = 8.4200 GTQ
Q 58,940.00You pay€7,000.00
Mobile moneyMinutesAvailable via:Tigo
Free1 EUR = 8.4200 GTQ
Q 58,940.00You pay€7,000.00
Bank depositMinutes
€0.891 EUR = 8.4200 GTQ
Q 58,940.00You pay€7,000.89
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 8.4421 GTQ +0.85% vs mid-market Recipient gets Q 58,499.73 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€70.501 EUR = 8.4421 GTQ
Q 58,499.73You 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 Bank transfer
Fee €244.55 1 EUR = 8.4977 GTQ +0.19% vs mid-market Recipient gets Q 57,405.79 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
€244.551 EUR = 8.4977 GTQ
Q 57,405.79You pay€7,000.00

Wise

Pay via iDEAL
Fee €254.11 1 EUR = 8.4977 GTQ +0.19% vs mid-market Recipient gets Q 57,324.55 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
€254.111 EUR = 8.4977 GTQ
Q 57,324.55You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €221.00 1 EUR = 8.4421 GTQ +0.85% vs mid-market Recipient gets Q 57,229.19 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€221.001 EUR = 8.4421 GTQ
Q 57,229.19You 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 €296.36 1 EUR = 8.4977 GTQ +0.19% vs mid-market Recipient gets Q 56,965.52 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
€296.361 EUR = 8.4977 GTQ
Q 56,965.52You pay€7,000.00

Wise

Pay via Credit card
Fee €335.98 1 EUR = 8.4977 GTQ +0.19% vs mid-market Recipient gets Q 56,628.84 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
€335.981 EUR = 8.4977 GTQ
Q 56,628.84You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 8.5138 GTQ Updates every 60 minutes.

How to send money from Finland to Guatemala

Pick a company

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

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

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

The cheapest option depends on the amount, so I suggest to get the best EUR/GTQ 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 Guatemala they can receive it via bank deposit, cash pickup, and mobile money.

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 Guatemala?

How much EUR you send to Guatemala 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
€5000.83%€0.00Q 4,222.54with debit card to bank deposit+Q 95.97
€2,0000.95%€0.00Q 16,867.40with debit card to bank deposit+Q 276.88
€7,000This page0.27%€0.00Q 59,435.48with bank transfer to bank deposit+Q 1,295.77

Mid-market rate: 1 EUR = 8.5138 GTQ

EUR/GTQ Exchange Rate History

Is today a good time to send money from Finland to Guatemala?

The cheapest way to send EUR to GTQ 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 Guatemala.

GTQ received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateQ 59,596.39 Regency FX Q 59,435.48Regency FXQ 59,435.48XeQ 59,035.90TapTap SendQ 58,940.00

58 500
59 000
59 500
60 000
60 500
61 000
At the mid-market rateWith the cheapest optionRegency FXXeTapTap Send
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6698 – Q 60,688.55
Regency FX Cheapest 8.6464 €0.00 Q 60,524.69 −Q 163.86
Xe 8.5924 €0.00 Q 60,146.80 −Q 541.75
TapTap Send 8.5900 €0.00 Q 60,130.00 −Q 558.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6750 – Q 60,725.12
Regency FX Cheapest 8.6516 €0.00 Q 60,561.16 −Q 163.96
TapTap Send 8.5700 €0.00 Q 59,990.00 −Q 735.12
Xe 8.5626 €0.00 Q 59,938.20 −Q 786.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6566 – Q 60,596.51
Regency FX Cheapest 8.6333 €0.00 Q 60,432.90 −Q 163.61
TapTap Send 8.5700 €0.00 Q 59,990.00 −Q 606.51
Xe 8.5428 €0.00 Q 59,799.60 −Q 796.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6477 – Q 60,533.83
Regency FX Cheapest 8.6243 €0.00 Q 60,370.39 −Q 163.44
TapTap Send 8.5300 €0.00 Q 59,710.00 −Q 823.83
Xe 8.4932 €0.00 Q 59,452.40 −Q 1,081.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6029 – Q 60,219.96
Regency FX Cheapest 8.5796 €0.00 Q 60,057.36 −Q 162.60
TapTap Send 8.5200 €0.00 Q 59,640.00 −Q 579.96
Xe 8.5031 €0.00 Q 59,521.70 −Q 698.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5859 – Q 60,101.22
Regency FX Cheapest 8.5627 €0.00 Q 59,938.95 −Q 162.27
Xe 8.5031 €0.00 Q 59,521.70 −Q 579.52
TapTap Send 8.5000 €0.00 Q 59,500.00 −Q 601.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5492 – Q 59,844.48
Regency FX Cheapest 8.5261 €0.00 Q 59,682.90 −Q 161.58
Xe 8.4535 €0.00 Q 59,174.50 −Q 669.98
TapTap Send 8.4500 €0.00 Q 59,150.00 −Q 694.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5542 – Q 59,879.39
Regency FX Cheapest 8.5311 €0.00 Q 59,717.72 −Q 161.67
Xe 8.4833 €0.00 Q 59,383.10 −Q 496.29
TapTap Send 8.4600 €0.00 Q 59,220.00 −Q 659.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5626 – Q 59,938.13
Regency FX Cheapest 8.5395 €0.00 Q 59,776.30 −Q 161.83
Xe 8.4932 €0.00 Q 59,452.40 −Q 485.73
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 578.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5437 – Q 59,805.73
Regency FX Cheapest 8.5206 €0.00 Q 59,644.25 −Q 161.48
Xe 8.4634 €0.00 Q 59,243.80 −Q 561.93
TapTap Send 8.4600 €0.00 Q 59,220.00 −Q 585.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5568 – Q 59,897.38
Regency FX Cheapest 8.5337 €0.00 Q 59,735.66 −Q 161.72
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 537.38
Xe 8.4535 €0.00 Q 59,174.50 −Q 722.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5655 – Q 59,958.28
Regency FX Cheapest 8.5423 €0.00 Q 59,796.39 −Q 161.89
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 598.28
Xe 8.4634 €0.00 Q 59,243.80 −Q 714.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5655 – Q 59,958.28
Regency FX Cheapest 8.5423 €0.00 Q 59,796.39 −Q 161.89
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 598.28
Xe 8.4634 €0.00 Q 59,243.80 −Q 714.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5606 – Q 59,924.45
Regency FX Cheapest 8.5375 €0.00 Q 59,762.65 −Q 161.79
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 564.44
Xe 8.4634 €0.00 Q 59,243.80 −Q 680.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5635 – Q 59,944.57
Regency FX Cheapest 8.5404 €0.00 Q 59,782.72 −Q 161.85
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 654.57
Xe 8.4436 €0.00 Q 59,105.20 −Q 839.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5410 – Q 59,787.15
Regency FX Cheapest 8.5180 €0.00 Q 59,625.72 −Q 161.43
Xe 8.4634 €0.00 Q 59,243.80 −Q 543.35
TapTap Send 8.4500 €0.00 Q 59,150.00 −Q 637.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5618 – Q 59,932.32
Regency FX Cheapest 8.5386 €0.00 Q 59,770.50 −Q 161.82
TapTap Send 8.4800 €0.00 Q 59,360.00 −Q 572.32
Xe 8.4634 €0.00 Q 59,243.80 −Q 688.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5872 – Q 60,110.69
Regency FX Cheapest 8.5641 €0.00 Q 59,948.39 −Q 162.30
TapTap Send 8.5000 €0.00 Q 59,500.00 −Q 610.69
Xe 8.4932 €0.00 Q 59,452.40 −Q 658.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5987 – Q 60,190.79
Regency FX Cheapest 8.5755 €0.00 Q 60,028.27 −Q 162.52
TapTap Send 8.5100 €0.00 Q 59,570.00 −Q 620.79
Xe 8.5031 €0.00 Q 59,521.70 −Q 669.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5987 – Q 60,190.79
Regency FX Cheapest 8.5755 €0.00 Q 60,028.27 −Q 162.52
TapTap Send 8.5100 €0.00 Q 59,570.00 −Q 620.79
Xe 8.5031 €0.00 Q 59,521.70 −Q 669.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5888 – Q 60,121.46
Regency FX Cheapest 8.5656 €0.00 Q 59,959.13 −Q 162.33
TapTap Send 8.5100 €0.00 Q 59,570.00 −Q 551.46
Xe 8.5031 €0.00 Q 59,521.70 −Q 599.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5868 – Q 60,107.85
Regency FX Cheapest 8.5637 €0.00 Q 59,945.56 −Q 162.29
TapTap Send 8.5000 €0.00 Q 59,500.00 −Q 607.85
Xe 8.4833 €0.00 Q 59,383.10 −Q 724.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5623 – Q 59,935.81
Regency FX Cheapest 8.5391 €0.00 Q 59,773.98 −Q 161.83
Xe 8.4733 €0.00 Q 59,313.10 −Q 622.71
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 645.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5835 – Q 60,084.19
Regency FX Cheapest 8.5603 €0.00 Q 59,921.96 −Q 162.23
TapTap Send 8.5000 €0.00 Q 59,500.00 −Q 584.19
Xe 8.4833 €0.00 Q 59,383.10 −Q 701.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5566 – Q 59,896.35
Regency FX Cheapest 8.5335 €0.00 Q 59,734.63 −Q 161.72
Xe 8.4733 €0.00 Q 59,313.10 −Q 583.25
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 606.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5571 – Q 59,899.81
Regency FX Cheapest 8.5340 €0.00 Q 59,738.08 −Q 161.73
Xe 8.4733 €0.00 Q 59,313.10 −Q 586.71
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 609.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5571 – Q 59,899.81
Regency FX Cheapest 8.5340 €0.00 Q 59,738.08 −Q 161.73
Xe 8.4733 €0.00 Q 59,313.10 −Q 586.71
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 609.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5491 – Q 59,843.76
Regency FX Cheapest 8.5260 €0.00 Q 59,682.18 −Q 161.58
Xe 8.4733 €0.00 Q 59,313.10 −Q 530.66
TapTap Send 8.4700 €0.00 Q 59,290.00 −Q 553.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5527 – Q 59,868.70
Regency FX Cheapest 8.5296 €0.00 Q 59,707.06 −Q 161.64
TapTap Send 8.4600 €0.00 Q 59,220.00 −Q 648.70
Xe 8.4436 €0.00 Q 59,105.20 −Q 763.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5138 – Q 59,596.39
Regency FX Cheapest 8.4908 €0.00 Q 59,435.48 −Q 160.91
Xe 8.4337 €0.00 Q 59,035.90 −Q 560.49
TapTap Send 8.4200 €0.00 Q 58,940.00 −Q 656.39

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 GTQ 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 GTQ on every transfer from Finland.

Right now, Regency FX pays 59,435.48 GTQ on 7,000 EUR, which is 160.91 GTQ less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 60,561.16 GTQ.

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 Guatemala.

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. XeAppeared in 45 comparisons

    Cheapest in 16% of them

  3. TapTap SendAppeared in 61 comparisons

    Cheapest in 13% 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.

Xe (today's second cheapest) was the cheapest in only 16% of its comparisons, so it's rarely the cheapest option for transfers to Guatemala.

Ways to send money from Finland to Guatemala

5 companies send money from Finland to Guatemala, 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 59,035.9 GTQ 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 Guatemala, 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 59,035.9 GTQ arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 43% of the days it appeared for €7,000 transfers.

In Guatemala they can receive money via bank deposit, cash pickup, and mobile money.

Moving money between your own accounts

Multi-currency accounts

Companies like Revolut let you hold EUR and GTQ balances in one account.

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

For example, converting 7,000 EUR to GTQ with Revolut gets you 58,499.73 GTQ (€70.5 in fees and 0.85% markup).

This is especially useful for travel since you are spending in GTQ (no extra fees from Revolut, 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 Guatemala.

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 Guatemala. 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/GTQ 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 GTQ in Guatemala

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 59,435.48 GTQ.

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 Guatemala directly.

For withdrawals in Guatemala, use bank deposit, cash pickup, and mobile money.

Receive GTQ

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

Your recipient can also collect GTQ from a nearby agent in Guatemala.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    Q59,435

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    Q59,036

    -Q400

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    Q59,036

    -Q400

  4. 4
    Debit card Cash pickup

    You pay €7,000.00

    Q58,940

    -Q495

  5. 5
    Debit card Mobile money

    You pay €7,000.00

    Q58,940

    -Q495

Show moreShow less
  1. 6
    iDEAL Bank deposit

    You pay €7,000.00

    Q57,325

    -Q2,111

What to consider before sending money from Finland to Guatemala

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

Compare EUR/GTQ transfer options

For a €7,000 transfer to Guatemala, 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 59,435.48 GTQ, which is 0.67% more than the next best option.

Fastest

Revolut delivers 58,499.73 GTQ 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 Guatemala.

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 5 of them on EUR to Guatemala, 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/GTQ 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.