Usually the cheapest
Online transfers
Companies like Xe will get you 32,750.2 MYR on €7,000 transfer.
If it's the only time you send money to Malaysia, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Malaysia from Finland with the best EUR-MYR rate
We’ve compared and analysed 7 money transfer companies in Finland.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/MYR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €35.06 1 EUR = 4.6474 MYR +0.01% vs mid-market | Recipient gets RM 32,369.00 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €35.061 EUR = 4.6474 MYR RM 32,369.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 4.6786 MYR -0.66% vs mid-market | Recipient gets RM 32,750.20 Minutes - 24 hours | |
Ways to receive money in Malaysia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6786 MYR RM 32,750.20You pay€7,000.00 | |||
Run a live search Showing top Finland to Malaysia deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to MYR rates. | |||
Run a live search These companies offer multi-currency accounts for spending MYR. We suggest doing a live search based on how much EUR you're planning to spend in Malaysia. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 4.6786 MYR -0.66% vs mid-market | Recipient gets RM 32,750.20 Minutes - 24 hours | |
Ways to receive money in Malaysia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6786 MYR RM 32,750.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 4.6786 MYR -0.66% vs mid-market | Recipient gets RM 32,750.20 Minutes - 24 hours | |
Ways to receive money in Malaysia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6786 MYR RM 32,750.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 4.6786 MYR -0.66% vs mid-market | Recipient gets RM 32,750.20 Minutes - 24 hours | |
Ways to receive money in Malaysia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6786 MYR RM 32,750.20You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 4.6352 MYR +0.27% vs mid-market | Recipient gets RM 32,446.49 Minutes - 24 hours | |
Ways to receive money in Malaysia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6352 MYR RM 32,446.49You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 4.6245 MYR +0.50% vs mid-market | Recipient gets RM 32,371.66 Minutes - 24 hours | |
Ways to receive money in Malaysia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.6245 MYR RM 32,371.66You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €35.06 1 EUR = 4.6474 MYR +0.01% vs mid-market | Recipient gets RM 32,369.00 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €35.061 EUR = 4.6474 MYR RM 32,369.00You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €45.20 1 EUR = 4.6474 MYR +0.01% vs mid-market | Recipient gets RM 32,321.88 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €45.201 EUR = 4.6474 MYR RM 32,321.88You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 4.6000 MYR +1.03% vs mid-market | Recipient gets RM 32,200.00 Minutes | |
Ways to receive money in Malaysia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 4.6000 MYR RM 32,200.00You pay€7,000.00 Mobile walletMinutesAvailable via:BigPay Free1 EUR = 4.6000 MYR RM 32,200.00You pay€7,000.00 DuitNowMinutesAvailable via:TNG via DuitNow Free1 EUR = 4.6000 MYR RM 32,200.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 4.6375 MYR +0.22% vs mid-market | Recipient gets RM 32,135.56 Within minutes | |
Ways to receive money in Malaysia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 4.6375 MYR RM 32,135.56You 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 €90.06 1 EUR = 4.6474 MYR +0.01% vs mid-market | Recipient gets RM 32,113.39 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €90.061 EUR = 4.6474 MYR RM 32,113.39You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €132.10 1 EUR = 4.6474 MYR +0.01% vs mid-market | Recipient gets RM 31,918.02 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €132.101 EUR = 4.6474 MYR RM 31,918.02You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.95 1 EUR = 4.5033 MYR +3.16% vs mid-market | Recipient gets RM 31,519.10 Minutes - 2 days | |
Ways to receive money in Malaysia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €0.951 EUR = 4.5033 MYR RM 31,519.10You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 4.6375 MYR +0.22% vs mid-market | Recipient gets RM 31,437.62 Within minutes | |
Ways to receive money in Malaysia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 4.6375 MYR RM 31,437.62You 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. | |||
| How Our Results Work Mid-market rate: 1 EUR = 4.6478 MYR Updates every 60 minutes. | |||
Transfer details
How to send money from Finland to Malaysia
Pick a company
For a one-off transfer to Malaysia, start with Xe.
On a 7,000 EUR transfer, Xe delivers the most MYR.
The cheapest option depends on the amount, so I suggest to get the best EUR/MYR 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 Malaysia they can receive it via bank deposit, mobile wallet, and duitnow.
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 Malaysia
7 companies send money from Finland to Malaysia, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.
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 32,750.2 MYR arrives in minutes - 24 hours.
In Malaysia they can receive money via bank deposit, mobile wallet, and duitnow.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and MYR balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to MYR with Wise gets you 32,369 MYR (€35.06 in fees and 0.01% markup).
This is especially useful travel since you are spending in MYR (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Malaysia.
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 Malaysia. They charge no fees and add a markup on the rate.
Xe charges no fee but adds -0.66% markup on top of the EUR/MYR rate.
Ways to fund EUR and receive MYR in Malaysia
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 32,750.2 MYR.
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 Malaysia directly.
For withdrawals in Malaysia, use bank deposit, mobile wallet, and duitnow.
Receive MYR
The name should match the account holder's bank record, so double check it before sending.
- 1 Debit card Bank deposit
You pay €7,000.00
RM32,750
Cheapest
- 2 Bank transfer Bank deposit
You pay €7,000.00
RM32,750
RM0
- 3 Credit card Bank deposit
You pay €7,000.00
RM32,750
RM0
- 4 Ideal Bank deposit
You pay €7,000.00
RM32,322
-RM428
- 5 Debit card Mobile wallet
You pay €7,000.00
RM32,200
-RM550
Show moreShow less
- 6 Debit card Duitnow
You pay €7,000.00
RM32,200
-RM550
What to consider before sending money from Finland to Malaysia
For a transfer from Finland, compare the MYR received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/MYR transfer options
Compare EUR/MYR transfer options
For a €7,000 transfer to Malaysia, these are the current cheapest, fastest and easiest options.
Cheapest
Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 32,750.2 MYR, which is 0.93% more than the next best option.
Fastest
Revolut delivers 32,135.56 MYR in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
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
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 Malaysia.
Safety measures in Finland
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.
Finding the best rate to send money from Finland to Malaysia
The exchange rate has a direct impact on how much MYR your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 4.640139 MYR
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 7 of them on EUR to Malaysia, 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.
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