Usually the cheapest
Online transfers
Companies like Wise will get you 8,100.09 USD on €7,000 transfer.
If it's the only time you send money to US, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to US from Finland with the best EUR-USD rate
We’ve compared and analysed 12 money transfer companies in Finland.
| 12 of 12 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/USD exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/USD transfersAll money transfer offers for EUR/USD transfers, sorted by most USD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1628 USD -0.01% vs mid-market | Recipient gets $8,100.09 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1628 USD $8,100.09You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1495 USD +1.15% vs mid-market | Recipient gets $8,046.50 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1495 USD $8,046.50You pay€7,000.00 | |||
Run a live search Showing top Finland to United States 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 USD rates. | |||
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much EUR you're planning to spend in United States. | |||
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. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.1599 USD +0.25% vs mid-market | Recipient gets $8,119.09 Minutes - 3 days | |
Ways to receive money in US with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.1599 USD $8,119.09You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1596 USD +0.27% vs mid-market | Recipient gets $8,117.46 Minutes - 24 hours | |
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1596 USD $8,117.46You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.1593 USD +0.30% vs mid-market | Recipient gets $8,115.02 Minutes - 24 hours | |
Ways to receive money in US with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1593 USD $8,115.02You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1628 USD -0.01% vs mid-market | Recipient gets $8,100.09 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1628 USD $8,100.09You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.1571 USD +0.49% vs mid-market | Recipient gets $8,099.70 Minutes - 24 hours | |
Ways to receive money in US with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1571 USD $8,099.70You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1570 USD +0.50% vs mid-market | Recipient gets $8,098.74 Minutes - 24 hours | |
Ways to receive money in US with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1570 USD $8,098.74You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.44 1 EUR = 1.1563 USD +0.56% vs mid-market | Recipient gets $8,090.10 Minutes - 24 hours | |
Ways to receive money in US with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.441 EUR = 1.1563 USD $8,090.10You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €44.42 1 EUR = 1.1628 USD -0.01% vs mid-market | Recipient gets $8,088.30 Same day | |
Ways to receive money in US with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €44.421 EUR = 1.1628 USD $8,088.30You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 1.1520 USD +0.93% vs mid-market | Recipient gets $8,064.00 Minutes | |
Ways to receive money in US with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 1.1520 USD $8,064.00You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.99 1 EUR = 1.1516 USD +0.97% vs mid-market | Recipient gets $8,060.06 Minutes - 2 days | |
Ways to receive money in US with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €0.991 EUR = 1.1516 USD $8,060.06You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1495 USD +1.15% vs mid-market | Recipient gets $8,046.50 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1495 USD $8,046.50You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.1495 USD +1.15% vs mid-market | Recipient gets $8,046.50 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1495 USD $8,046.50You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.1495 USD +1.15% vs mid-market | Recipient gets $8,046.50 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1495 USD $8,046.50You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 1.1602 USD +0.22% vs mid-market | Recipient gets $8,039.36 Within a week | |
Ways to receive money in US with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week €70.501 EUR = 1.1602 USD $8,039.36You 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 €89.31 1 EUR = 1.1628 USD -0.01% vs mid-market | Recipient gets $8,036.10 Same day | |
Ways to receive money in US with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €89.311 EUR = 1.1628 USD $8,036.10You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.1465 USD +1.40% vs mid-market | Recipient gets $8,025.49 Minutes - 2 days | |
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.1465 USD $8,025.49You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €131.35 1 EUR = 1.1628 USD -0.01% vs mid-market | Recipient gets $7,987.21 Same day | |
Ways to receive money in US with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €131.351 EUR = 1.1628 USD $7,987.21You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.162777 USD Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to US
Pick a company
For a one-off transfer to US, start with Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most USD.
The cheapest option depends on the amount, so I suggest to get the best EUR/USD 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 US 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 US
12 companies send money from Finland to United States, mostly through broker, app, 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.
Wise charges €34.28 on a €7,000 transfer, and 8,100.09 USD arrives in same day.
In US they can receive money via bank deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and USD balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to USD with Wise gets you 8,100.09 USD (€34.28 in fees and 0% markup).
This is especially useful travel since you are spending in USD (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to US.
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 United States. They charge no fees and add a markup on the rate.
Key Currency charges no fee but adds 0.25% markup on top of the EUR/USD rate.
Ways to fund EUR and receive USD in US
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 8,119.09 USD.
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 United States directly.
For withdrawals in United States, use bank deposit.
Receive USD
The name should match the account holder's bank record, so double check it before sending.
- 1 Bank transfer Bank deposit
You pay €7,000.00
$8,119
Cheapest
- 2 Ideal Bank deposit
You pay €7,000.00
$8,088
-$31
- 3 Debit card Bank deposit
You pay €7,000.00
$8,064
-$55
- 4 Credit card Bank deposit
You pay €7,000.00
$8,047
-$73
What to consider before sending money from Finland to US
For a transfer from Finland, compare the USD received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/USD transfer options
Compare EUR/USD transfer options
For a €7,000 transfer to United States, these are the current cheapest, fastest and easiest options.
Cheapest
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 8,119.09 USD, which is 0.02% more than the next best option.
Fastest
TapTap Send delivers 8,064 USD in minutes when you pay by debit card 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 United States.
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 US
The exchange rate has a direct impact on how much USD your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 1.162006 USD
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 12 of them on EUR to United States, 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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