How to send money to Bulgaria from UK with the best GBP-EUR rate

We’ve compared 8 companies, and found Wise to be the cheapest, while Wise is the fastest.

Sending £6,000 gets you €7,144.67 with Wise at 1.1948 EUR per GBP, about 0.23% more than the next best option.

Best companies for GBP/EUR transfers

9 of 9 providers

Last updated on 28 October 2026

Based on 6,000 GBP transfer

Best companies for GBP/EUR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £20.25 1 GBP = 1.1948 EUR 0.00% vs mid-market Recipient gets €7,144.67 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£20.251 GBP = 1.1948 EUR
€7,144.67You pay£6,000.00
Promoted

Remitly

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1880 EUR +0.57% vs mid-market Recipient gets €7,128.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 GBP = 1.1880 EUR
€7,128.00You pay£6,000.00

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Showing top United Kingdom to Bulgaria deals for 6,000 GBP. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee £20.25 1 GBP = 1.1948 EUR 0.00% vs mid-market Recipient gets €7,144.67 Within minutes
CheapestFastestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£20.251 GBP = 1.1948 EUR
€7,144.67You pay£6,000.00

Remitly

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1880 EUR +0.57% vs mid-market Recipient gets €7,128.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 GBP = 1.1880 EUR
€7,128.00You pay£6,000.00

Wise

Pay via Debit card
Fee £39.24 1 GBP = 1.1948 EUR 0.00% vs mid-market Recipient gets €7,121.98 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£39.241 GBP = 1.1948 EUR
€7,121.98You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1830 EUR +0.99% vs mid-market Recipient gets €7,098.00 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.1830 EUR
€7,098.00You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.1745 EUR
€7,047.00You pay£6,004.99

Remitly

Pay via Debit card
Fee £0.00 1 GBP = 1.1791 EUR +1.32% vs mid-market Recipient gets €7,074.60 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 GBP = 1.1791 EUR
€7,074.60You pay£6,000.00

Remitly

Pay via Credit card
Fee £0.00 1 GBP = 1.1791 EUR +1.32% vs mid-market Recipient gets €7,074.60 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 GBP = 1.1791 EUR
€7,074.60You pay£6,000.00

Paysend

Pay via Debit card
Fee £0.00 1 GBP = 1.1773 EUR +1.47% vs mid-market Recipient gets €7,063.98 Minutes - 24 hours

Ways to receive money in Bulgaria with Paysend when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.1773 EUR
€7,063.98You pay£6,000.00

Paysend

Pay via Credit card
Fee £0.00 1 GBP = 1.1773 EUR +1.47% vs mid-market Recipient gets €7,063.98 Minutes - 24 hours

Ways to receive money in Bulgaria with Paysend when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 1.1773 EUR
€7,063.98You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee £0.00 1 GBP = 1.1773 EUR +1.47% vs mid-market Recipient gets €7,063.80 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.1773 EUR
€7,063.80You pay£6,000.00
Card depositMinutes - 24 hoursAvailable via:SEND2CARD
Free1 GBP = 1.1770 EUR
€7,062.00You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.1745 EUR
€7,047.00You pay£6,004.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee £0.00 1 GBP = 1.1773 EUR +1.47% vs mid-market Recipient gets €7,063.80 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 1.1773 EUR
€7,063.80You pay£6,000.00
Card depositMinutes - 24 hoursAvailable via:SEND2CARD
Free1 GBP = 1.1770 EUR
€7,062.00You pay£6,000.00
Cash pickupMinutes - 24 hours
£4.991 GBP = 1.1745 EUR
€7,047.00You pay£6,004.99

Western Union

Pay via Debit card
Fee £0.00 1 GBP = 1.1765 EUR +1.54% vs mid-market Recipient gets €7,058.94 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Western Union when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 GBP = 1.1765 EUR
€7,058.94You pay£6,000.00

Western Union

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1765 EUR +1.54% vs mid-market Recipient gets €7,058.94 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Bulgaria with Western Union when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 GBP = 1.1765 EUR
€7,058.94You pay£6,000.00

Moneycorp

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1709 EUR +2.00% vs mid-market Recipient gets €7,025.22 Minutes - 2 days

Ways to receive money in Bulgaria with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 GBP = 1.1709 EUR
€7,025.22You pay£6,000.00

HSBC

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1682 EUR +2.25% vs mid-market Recipient gets €7,008.98 Minutes - 5 days

Ways to receive money in Bulgaria with HSBC when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Free1 GBP = 1.1682 EUR
€7,008.98You pay£6,000.00

Opal Transfer

Pay via Bank transfer
Fee £3.00 1 GBP = 1.1650 EUR +2.52% vs mid-market Recipient gets €6,986.51 Minutes - 24 hours
0 reviews

Ways to receive money in Bulgaria with Opal Transfer when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
£3.001 GBP = 1.1650 EUR
€6,986.51You pay£6,000.00

Wise

Pay via Credit card
Fee £153.10 1 GBP = 1.1948 EUR 0.00% vs mid-market Recipient gets €6,985.93 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
£153.101 GBP = 1.1948 EUR
€6,985.93You pay£6,000.00

Barclays

Pay via Bank transfer
Fee £0.00 1 GBP = 1.1619 EUR +2.79% vs mid-market Recipient gets €6,971.46 Minutes - 5 days
0 reviews

Ways to receive money in Bulgaria with Barclays when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Free1 GBP = 1.1619 EUR
€6,971.46You pay£6,000.00
How Our Results Work
Mid-market rate: 1 GBP = 1.1948 EUR Updates every 60 minutes.

How to send money from UK to Bulgaria

Pick a company

For a one-off GBP transfer to Bulgaria, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 10 of the 30 days it quoted £6,000 transfers to Bulgaria.

On a 6,000 GBP transfer, Wise delivers the most EUR.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/EUR rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On a £6,000 transfer it's normally instant but can take a couple of hours.

Compare amounts

How much GBP are you sending to Bulgaria?

How much GBP you send to Bulgaria 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 Wise was the cheapest in 20% of the transfers from £6,000 it quoted, and in 22% of all the transfers it quoted.

Cheapest service
£5000.00%£2.16€594.82with bank transfer to bank deposit+€6.88
£1,000-0.59%£0.00€1,201.60with bank transfer to bank deposit+€19.20
£2,0000.10%£0.00€2,387.00with bank transfer to bank deposit+€31.87
£6,000This page0.00%£20.25€7,144.67with bank transfer to bank deposit+€86.24
£10,0000.27%£0.00€11,916.09with bank transfer to bank deposit+€107.66
£50,0000.19%£0.00€59,620.00with bank transfer to bank deposit+€384.49
£250,0000.20%£0.00€298,169.22with bank transfer to bank deposit+€1,660.51

Mid-market rate: 1 GBP = 1.1948 EUR

GBP/EUR Exchange Rate History

Is today a good time to send money from UK to Bulgaria?

The cheapest way to send GBP 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 Wise), across 30 days of comparisons for 6,000 GBP transfers to Bulgaria.

EUR received for £6,000, after fees

Wed, 28 Oct 2026Mid-market rate€7,168.59 Wise €7,144.67 HSBC €7,008.98Wise€7,144.67Remitly€7,128.00MoneyGram€7,098.00Extra cost of a bank€135.69

6,700
6,800
6,900
7,000
7,100
7,200
At the mid-market rateWith the cheapest optionWith a bankWiseRemitlyMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1661 – €6,996.49
Regency FX Cheapest 1.1629 £0.00 €6,977.60 −€18.89
Wise 1.1661 £20.25 €6,973.05 −€23.44
MoneyGram 1.1540 £0.00 €6,924.00 −€72.49
Barclays 1.1326 £0.00 €6,795.63 −€200.86
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1691 – €7,014.43
Regency FX Cheapest 1.1659 £0.00 €6,995.49 −€18.94
Wise 1.1690 £20.25 €6,990.57 −€23.86
MoneyGram 1.1552 £0.00 €6,931.20 −€83.23
Barclays 1.1340 £0.00 €6,803.92 −€210.51
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1705 – €7,023.21
Regency FX Cheapest 1.1674 £0.00 €7,004.25 −€18.96
Wise 1.1703 £20.25 €6,998.34 −€24.87
MoneyGram 1.1573 £0.00 €6,943.80 −€79.41
Barclays 1.1367 £0.00 €6,820.08 −€203.13
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1732 – €7,039.30
Regency FX Cheapest 1.1700 £0.00 €7,020.29 −€19.01
Wise 1.1732 £20.25 €7,015.62 −€23.68
MoneyGram 1.1593 £0.00 €6,955.80 −€83.50
Barclays 1.1386 £0.00 €6,831.69 −€207.61
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1762 – €7,057.07
Regency FX Cheapest 1.1730 £0.00 €7,038.01 −€19.06
Wise 1.1766 £20.25 €7,035.83 −€21.24
MoneyGram 1.1625 £0.00 €6,975.00 −€82.07
Barclays 1.1409 £0.00 €6,845.28 −€211.79
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1733 – €7,039.75
Wise Cheapest 1.1766 £20.25 €7,035.83 −€3.92
MoneyGram 1.1625 £0.00 €6,975.00 −€64.75
Barclays 1.1444 £0.00 €6,866.46 −€173.29
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1802 – €7,081.15
Regency FX Cheapest 1.1770 £0.00 €7,062.03 −€19.12
Wise 1.1803 £20.25 €7,057.84 −€23.31
MoneyGram 1.1625 £0.00 €6,975.00 −€106.15
Barclays 1.1483 £0.00 €6,889.57 −€191.58
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1782 – €7,068.92
Regency FX Cheapest 1.1750 £0.00 €7,049.83 −€19.09
Wise 1.1784 £20.25 €7,046.60 −€22.32
MoneyGram 1.1680 £0.00 €7,008.00 −€60.92
Barclays 1.1483 £0.00 €6,889.57 −€179.35
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1818 – €7,090.75
Regency FX Cheapest 1.1786 £0.00 €7,071.61 −€19.14
Wise 1.1819 £20.25 €7,067.41 −€23.34
MoneyGram 1.1659 £0.00 €6,995.40 −€95.35
Barclays 1.1462 £0.00 €6,877.37 −€213.38
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1792 – €7,075.05
Regency FX Cheapest 1.1760 £0.00 €7,055.95 −€19.10
Wise 1.1792 £20.25 €7,051.20 −€23.85
MoneyGram 1.1700 £0.00 €7,020.00 −€55.05
Barclays 1.1498 £0.00 €6,898.54 −€176.51
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1793 – €7,075.54
Regency FX Cheapest 1.1761 £0.00 €7,056.43 −€19.11
Wise 1.1792 £20.25 €7,051.62 −€23.92
MoneyGram 1.1676 £0.00 €7,005.60 −€69.94
Barclays 1.1472 £0.00 €6,883.07 −€192.47
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1818 – €7,090.85
Regency FX Cheapest 1.1786 £0.00 €7,071.71 −€19.14
Wise 1.1812 £20.25 €7,063.28 −€27.57
MoneyGram 1.1682 £0.00 €7,009.20 −€81.65
Barclays 1.1488 £0.00 €6,892.54 −€198.31
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1818 – €7,090.85
Regency FX Cheapest 1.1786 £0.00 €7,071.71 −€19.14
Wise 1.1812 £20.25 €7,063.28 −€27.57
MoneyGram 1.1682 £0.00 €7,009.20 −€81.65
Barclays 1.1488 £0.00 €6,892.54 −€198.31
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1821 – €7,092.57
Regency FX Cheapest 1.1789 £0.00 €7,073.42 −€19.15
Wise 1.1821 £20.25 €7,068.66 −€23.91
MoneyGram 1.1682 £0.00 €7,009.20 −€83.37
Barclays 1.1488 £0.00 €6,892.54 −€200.03
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1840 – €7,103.71
Regency FX Cheapest 1.1808 £0.00 €7,084.53 −€19.18
Wise 1.1840 £20.25 €7,079.96 −€23.75
MoneyGram 1.1717 £0.00 €7,030.20 −€73.51
Barclays 1.1509 £0.00 €6,905.15 −€198.56
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1826 – €7,095.41
Regency FX Cheapest 1.1794 £0.00 €7,076.26 −€19.15
Wise 1.1827 £20.25 €7,072.01 −€23.40
MoneyGram 1.1731 £0.00 €7,038.60 −€56.81
Barclays 1.1519 £0.00 €6,911.56 −€183.85
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.1821 £20.25 €7,068.66 –
MoneyGram 1.1706 £0.00 €7,023.60 –
Barclays 1.1491 £0.00 €6,894.35 –
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1849 – €7,109.34
Regency FX Cheapest 1.1817 £0.00 €7,090.14 −€19.20
Wise 1.1848 £20.25 €7,084.57 −€24.77
MoneyGram 1.1706 £0.00 €7,023.60 −€85.74
Barclays 1.1491 £0.00 €6,894.35 −€214.99
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1833 – €7,099.57
Wise Cheapest 1.1860 £20.25 €7,091.74 −€7.83
MoneyGram 1.1727 £0.00 €7,036.20 −€63.37
Barclays 1.1541 £0.00 €6,924.48 −€175.09
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1833 – €7,099.57
Wise Cheapest 1.1860 £20.25 €7,091.74 −€7.83
Remitly 1.1797 £0.00 €7,078.20 −€21.37
MoneyGram 1.1727 £0.00 €7,036.20 −€63.37
HSBC 1.1587 £0.00 €6,952.04 −€147.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1883 – €7,129.65
Regency FX Cheapest 1.1851 £0.00 €7,110.40 −€19.25
Wise 1.1883 £20.25 €7,105.62 −€24.03
MoneyGram 1.1727 £0.00 €7,036.20 −€93.45
Barclays 1.1555 £0.00 €6,933.11 −€196.54
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1885 – €7,130.87
Regency FX Cheapest 1.1853 £0.00 €7,111.62 −€19.25
Wise 1.1886 £20.25 €7,107.35 −€23.52
MoneyGram 1.1770 £0.00 €7,062.00 −€68.87
Barclays 1.1555 £0.00 €6,933.11 −€197.76
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.1932 £20.25 €7,135.34 –
MoneyGram 1.1781 £0.00 €7,068.60 –
Barclays 1.1604 £0.00 €6,962.37 –
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.1932 £20.25 €7,135.34 –
MoneyGram 1.1822 £0.00 €7,093.20 –
Barclays 1.1604 £0.00 €6,962.37 –
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1956 – €7,173.76
Regency FX Cheapest 1.1924 £0.00 €7,154.39 −€19.37
Wise 1.1955 £20.25 €7,148.55 −€25.21
MoneyGram 1.1817 £0.00 €7,090.20 −€83.56
Barclays 1.1605 £0.00 €6,963.24 −€210.52
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.1940 £20.25 €7,140.00 –
MoneyGram 1.1827 £0.00 €7,096.20 –
Barclays 1.1624 £0.00 €6,974.48 –
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1939 – €7,163.41
Wise Cheapest 1.1940 £20.25 €7,140.00 −€23.41
Remitly 1.1863 £0.00 €7,117.80 −€45.61
MoneyGram 1.1827 £0.00 €7,096.20 −€67.21
HSBC 1.1677 £0.00 €7,006.04 −€157.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1916 – €7,149.67
Wise Cheapest 1.1916 £20.25 €7,125.53 −€24.14
Remitly 1.1849 £0.00 €7,109.40 −€40.27
MoneyGram 1.1827 £0.00 €7,096.20 −€53.47
HSBC 1.1677 £0.00 €7,006.04 −€143.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1946 – €7,167.68
Xe Cheapest 1.1920 £0.00 €7,152.00 −€15.68
Wise 1.1944 £20.25 €7,142.15 −€25.53
MoneyGram 1.1791 £0.00 €7,074.60 −€93.08
Barclays 1.1625 £0.00 €6,975.30 −€192.38
Remitly No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1948 – €7,168.59
Wise Cheapest 1.1948 £20.25 €7,144.67 −€23.92
Remitly 1.1880 £0.00 €7,128.00 −€40.59
MoneyGram 1.1830 £0.00 €7,098.00 −€70.59
HSBC 1.1682 £0.00 €7,008.98 −€159.61

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send £6,000, after fees, as quoted by each company. The mid-market line shows what £6,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 GBP 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 UK.

Right now, Wise pays 7,144.67 EUR on 6,000 GBP, which is 23.92 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7,154.39 EUR.

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 Bulgaria.

We've tracked 196 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

  1. WiseAppeared in 196 comparisons

    Cheapest in 22% of them

  2. RemitlyAppeared in 83 comparisons

    Cheapest in 55% of them

  3. MoneyGramAppeared in 165 comparisons

    Never the cheapest

  4. HSBCAppeared in 66 comparisons

    Never the cheapest

Based on 196 comparisons across 7 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 Wise is the cheapest and gets you the most EUR, but it was the cheapest in only 22% of the 196 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from the UK to Bulgaria

There are many ways to send money to Bulgaria from the UK, including online, app, in person, global account, bank, multi-currency account, SNPL, and digital wallet, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to Bulgaria, say weekly or monthly, an app like Wise is the easiest and cheapest way to do it.

It charges £20.25 in fees, has 0% markup, lets you save recipient details, and EUR will arrive in minutes.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for £6,000 transfers.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized EUR transfers, around £1,000 - £5,000.

Online companies like Wise often have higher limits and/or first time promos.

Of the 8 companies we compared, Wise is the cheapest online service and will get you €7,144.67 on a £6,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

For large transfers

Brokers

Currency brokers like TorFX or Key Currency, are the best for sending large amounts (£10k+) to Bulgaria.

They charge no fees but add a percentage on top of the GBP/EUR interbank rate (which gets better the more you send).

We suggest to compare your options.

For fast money transfers

Cash transfer

Sending cash is the fastest way to send money from the UK to Bulgaria, but is usually a bit more expensive.

You will need to deposit £6,000 online via Remitly, and your recipient in Bulgaria will be able to collect €7,128 in minutes.

Our data shows Remitly came out cheapest among in-person options on 100% of days in the past month.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend Euros abroad like a local.

Wise offers the best multi-currency account.

With it, converting £6,000 to EUR will get you €7,144.67 after fees.

If you don’t have EUR in your account, your GBP will auto-convert whenever you pay with Wise in Bulgaria.

Once you have EUR in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in Bulgaria, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Only if you have to

Banks

Your UK bank is the most expensive way to send money to Bulgaria.

On a £6,000 transfer, banks like HSBC will add 2.25% markup, getting you €7,008.98 vs €7,144.67 with Wise.

We found HSBC was the cheapest bank on 4 of the 4 days it appeared for this amount.

Ways to fund GBP and receive EUR in Bulgaria

Pay-in and pay-out methods will affect how much GBP you deposit and how much EUR your recipient gets. Use the table below to see how different options change how much you pay and what they get.

Our data shows that Wise gets your recipient 135.69 EUR more than HSBC, today's cheapest bank, on the same £6,000.

The overall best and cheapest way to send £6,000 to Bulgaria is via Wise, using a bank transfer to deposit GBP and bank deposit to receive EUR.

Depositing GBP

You have 3 pay-in options for transfers to Bulgaria, including bank transfer, debit card, and credit card.

The cheapest pay-in option is debit card.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is credit card.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in Bulgaria

Money can reach Bulgaria by bank deposit, card deposit, and cash pickup, and each delivery method comes with its own fees.

The cheapest way to receive money in Bulgaria is with bank deposit on average.

Receiving cash

Remitly is the cheapest option for cash pickup (getting you €7,128 on a £6,000 transfer).

Digital wallets

Your recipient can receive EUR directly into a digital wallet (like PayPal) which usually takes a few minutes to arrive.

  1. 1
    Bank transfer Bank deposit

    You pay £6,000.00

    €7,145

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay £6,000.00

    €7,122

    -€23

  3. 3
    Credit card Bank deposit

    You pay £6,000.00

    €7,075

    -€70

  4. 4
    Debit card Card deposit

    You pay £6,000.00

    €7,062

    -€83

  5. 5
    Credit card Card deposit

    You pay £6,000.00

    €7,062

    -€83

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay £6,004.99

    €7,047

    -€98

  2. 7
    Debit card Cash pickup

    You pay £6,004.99

    €7,047

    -€98

  3. 8
    Credit card Cash pickup

    You pay £6,004.99

    €7,047

    -€98

Consider this when sending GBP to Bulgaria

There are a few nuances you should consider before sending GBP to Bulgaria such as limits, taxes, and safety.

Compare GBP/EUR transfer options

Right now, these are the best money transfer options for a £6,000 transfer to Bulgaria:

Cheapest way to send money to Bulgaria

The cheapest way is to use Wise, pay in with a bank transfer and withdraw via bank deposit. You will get €7,144.67, which is 0.23% more than the next best option.

Fastest way to send money to Bulgaria

The fastest way is to use Wise via bank transfer deposit and bank deposit for pay out. You get €7,144.67 and it will arrive in within minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/EUR transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending £6,000 with Wise will get you 7,144.67 EUR, that’s including £20.25 fee and 0% in exchange rate markup.

A bank like HSBC on the other hand, will get you €7,008.98, that’s £0 in fees but 2.25% in FX fees.

Taxes on money transfers

There is no UK tax for the act of sending money to Bulgaria.

And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

How we analyse the market

We track 8 regulated companies offering money transfers from the UK to Bulgaria in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/EUR pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

In the past 30 days alone, we analysed 196 comparisons across 7 amounts.

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

More on how we work:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.