Best companies for EUR/EUR transfers
2 of 2 providers Last updated on 10 November 2026
Based on 7,000 EUR transfer Best companies for EUR/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €0.95 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,999.05 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €0.951 EUR = 1.0000 EUR €6,999.05You pay€7,000.00
Run a live search Showing top France to Spain 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 EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much EUR you're planning to spend in Spain.
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.
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €0.00 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €7,000.00 Within minutes
10 reviews CheapestFastest Multi-currency cardReceive to bank account
Ways to receive money in Spain with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 EUR = 1.0000 EUR €7,000.00You 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 €0.95 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,999.05 Within minutes
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €0.951 EUR = 1.0000 EUR €6,999.05You pay€7,000.00
Wise Pay via iDEAL	Fee €11.18 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,988.82 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €11.181 EUR = 1.0000 EUR €6,988.82You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €49.00 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,951.00 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Spain with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €49.001 EUR = 1.0000 EUR €6,951.00You 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 €56.50 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,943.50 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €56.501 EUR = 1.0000 EUR €6,943.50You pay€7,000.00
Wise Pay via Credit card	Fee €98.94 1 EUR = 1.0000 EUR 0.00% vs mid-market	Recipient gets €6,901.06 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €98.941 EUR = 1.0000 EUR €6,901.06You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 1.0000 EUR Updates every 60 minutes.

Why compare

EUR/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from France to Spain

Pick a company

Start with the cheapest, which is Revolut at 7,000 EUR on a €7,000 transfer.

Revolut was the cheapest on 25 of the 25 days it quoted €7,000 transfers to Spain.

Fund your transfer

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

A euro virement to the money transfer company is cheap and arrives in seconds.

Verify and send

First time round you'll need a photo ID and a RIB or proof of address to verify your account.

Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.

Compare amounts

How much EUR are you sending to Spain?

How much EUR you send to Spain 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 Revolut was the cheapest in 100% of the transfers from €5,000 it quoted, and in 100% of all the transfers it quoted.


€500	0.00%	€0.00	€500.00with bank transfer to bank deposit	+€3.23
€1,000	0.00%	€0.00	€1,000.00with bank transfer to bank deposit	+€5.76
€2,000	0.00%	€0.00	€2,000.00with bank transfer to bank deposit	+€10.82
€5,000	0.00%	€0.00	€5,000.00with bank transfer to bank deposit	+€25.98
€7,000This page	0.00%	€0.00	€7,000.00with bank transfer to bank deposit	+€36.10

Mid-market rate: 1 EUR = 1.0000 EUR

EUR/EUR Exchange Rate History

Is today a good time to send money from France to Spain?

The cheapest way to send EUR to EUR 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 Revolut), across 30 days of comparisons for 7,000 EUR transfers to Spain.

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 EUR 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 EUR on every transfer from France.

Today's payout is the highest in the past month.

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 Spain.

We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

RevolutAppeared in 131 comparisons
Cheapest every time
WiseAppeared in 146 comparisons
Cheapest in 10% of them

Based on 146 comparisons across 5 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 Revolut is the cheapest and gets you the most EUR, and it was also the cheapest in 100% of the 131 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Spain.

Wise (today's second cheapest) was the cheapest in only 10% of its comparisons, so it's rarely the cheapest option for transfers to Spain.

Ways to send money from France to Spain

2 companies send money from France to Spain. You can do it via app, multi-currency account, global business account, and online.

For regular transfers from France

Money transfer apps

If you’re sending €50 to €200 to a family in Spain, apps like Revolut are the easiest way.

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

Revolut charges €0 on a €7,000 transfer, and the EUR arrives in within minutes.

If you need mobile wallet or cash delivery, use our filters above.

For one-off transfers

Online transfers

When converting EUR to EUR, an online service like Wise is always cheaper than the bank's international virement.

Sending €7,000 with Wise gets you 6,999.05 EUR with a €0.95 fee and 0% markup.

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

For travelling & receiving

Challenger banks

Challenger banks like Revolut are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to Spain.

On a €7,000 transfer, Revolut gets you 7,000 EUR vs 7,000 EUR using Revolut.

It's always , and choosing based on purpose and how much you get.

Companies like Revolut offer great multi-currency features:

Hold EUR and EUR
Convert between them any time
Spend in EUR abroad or online
Receive EUR or EUR like a local

Our data shows Revolut came out cheapest among challenger banks and multi-currency accounts on 100% of days in the past month.

Sending large sums from France

Currency brokers

If you’re selling a property in France, repatriating a pension, moving to Spain, or making any other large transfer, then you need a currency broker.

For transfers in the tens of thousands, brokers like Currencies Direct or TorFX charge no fee, just a margin that reduces as the amount grows.

Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.

International business payments

Global accounts

Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.

Companies like Airwallex, Wise Business, or Payoneer are the best for this.

Ways to fund EUR and receive EUR in Spain

With Revolut, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 7,000 EUR.

Fund the transfer from France by bank transfer, debit card, iDEAL, and credit card.

You can pay by virement

Send the money by bank transfer from your French RIB or IBAN.

SEPA Instant can be instant for funding your transfer, but delivery speed to Spain depends on the payout method.

Your recipient in Spain can collect EUR through bank deposit.

They can receive EUR digitally

Your recipient can use bank deposit to collect Euros.

1

Bank transfer Bank deposit

You pay €7,000.00

€7,000

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

€6,989

-€11
3

Debit card Bank deposit

You pay €7,000.00

€6,951

-€49
4

Credit card Bank deposit

You pay €7,000.00

€6,901

-€99

What to consider before sending EUR to Spain

From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.

Compare the EUR/EUR options

For a €7,000 transfer to Spain, these are the best ways to start with:

Cheapest way to send money to Spain

The cheapest option is Revolut, funded by bank transfer with bank deposit for the payout. Your recipient gets 7,000 EUR, which is 0.01% more than the next best option.

Fastest way to send money to Spain

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,000 EUR in within minutes.

France caps cash payments

If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.

This limits the cash payment, rather than the amount you can send abroad.

For a larger transfer, pay by bank transfer or card.

Expect a justificatif on a large transfer

French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.

For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.

Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.

FGDR deposit guarantee

The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.

Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).

If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.

How we analyse the market

Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.

That covers 2 ACPR-registered companies sending EUR to Spain, with the rates refreshed in real time on live EUR/EUR searches.

In the past 30 days alone, we analysed 146 comparisons across 5 amounts.

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

We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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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Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Sun, 18 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	1.0000	€0.95	€6,999.05	–
Revolut No quote collected this day	–	–	–	–

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Sun, 1 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	€7,000.00
Wise Cheapest	1.0000	€0.95	€6,999.05	−€0.95
Revolut No quote collected this day	–	–	–	–

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	1.0000	€0.00	€7,000.00	–
Wise	1.0000	€0.95	€6,999.05	–

How to send money to Spain from France with the best EUR-EUR rate

Best companies for EUR/EUR transfers