The Best International Money Transfer Services in Italy in 2026

Best companies for sending money abroad from Italy

I'd say compare money transfer apps in Italy alongside counter services, choosing around how you can pay and how your recipient needs to receive the money.

Bank payments with mid-market conversion

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Family transfers with local receiving choices

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Existing Revolut users

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

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"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

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.

Supported mobile-wallet payments

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Sending online with Postepay

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

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Staffed post-office transfers

7.1

MoneyGram

Fees

1% - 3%

Exchange Rate Markup

2 - 4%

Transfer Speed

Minutes - 24 hours

Visit

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Larger payments with personal support

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

Visit

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

For a euro payment to another eligible SEPA account, your existing bank may already provide the transfer within your account tariff.

Wise

Wise converts at the mid-market rate for bank payments

Wise combines mid-market currency conversion with payments into a recipient’s existing bank account, making it suitable for overseas rent, family payments and moving your own savings.

You can fund a transfer from your Italian bank account and send it to the recipient’s local bank account, without asking them to join Wise.

That suits paying overseas expenses or moving money to your own account abroad, although cash collection requires another service.

Wise uses the mid-market exchange rate and charges a separate fee, so the cost changes with the currency and amount.

Bank funding usually costs less than paying by debit or credit card, which makes the payment method worth comparing before confirming.

You can also pay from an existing Wise balance, with the available options shown when setting up your transfer.

The arrival estimate depends on the route and how quickly Wise receives your money, so an urgent payment deserves a separate timing check.

The figures below show bank-transfer costs across currencies, so use the recipient amount and the applicable funding method when checking your payment.

Remitly

Remitly gives your recipient more local receiving choices

I think Remitly is worth considering for family support when a bank deposit alone does not give your recipient enough receiving options.

From Italy, you can pay by debit or credit card, with Apple Pay and Google Pay also available.

The recipient can receive a bank deposit, collect cash or use another supported delivery method, depending on their country.

That gives you alternatives when a relative cannot easily use a bank account, although each destination has its own receiving choices.

Choose the receiving partner first, because a lower-priced bank deposit does not help someone who needs money in a particular wallet.

The exchange rate and transfer fee both affect the amount delivered, and a first-transfer offer may change the initial comparison.

For regular support payments, I suggest comparing the normal repeat-transfer price after any introductory offer has ended.

Check the delivery estimate for your chosen receiving method, since a fast card payment does not guarantee immediate collection everywhere.

I'd say choose the service around the recipient’s actual access, then use the quote for that exact delivery method rather than a different payout.

Revolut

Revolut makes payments between existing users free

Revolut makes most sense if you already use the account and want to send money from the same app.

Payments to other Revolut users are free, as are euro transfers within SEPA, so family payments can be straightforward when those conditions fit.

Foreign-currency bank payments have different pricing, with a transfer charge depending on the currency and destination.

On Standard, the first €1,000 of monthly exchange is within the allowance, then a 1% fair-use fee applies to the excess.

Weekend currency exchange carries a separate 1% fee, which can change the comparison even when your allowance remains available.

Revolut sets its own exchange rate, so I suggest comparing the recipient amount rather than assuming it matches the mid-market rate.

You can add money by bank transfer, while some non-EEA or commercial card top-ups carry a charge.

The Italian service operates through Revolut Bank UAB’s Italian branch, with banking supervision rather than the status of a stand-alone remittance app.

For a payment to someone outside Revolut, include the exchange charge and international transfer fee before deciding whether your existing account is the better option.

Taptap Send

Taptap Send reaches supported wallets from Postepay

Taptap Send lets you fund supported family transfers with Postepay and deliver to an eligible mobile wallet, avoiding a separate cash-collection trip for your recipient.

Italian customers can pay with Postepay, so you can arrange the transfer from your phone without completing it at a post-office counter.

The card must belong to you, and online payment settings or bank verification can affect whether funding succeeds.

Your recipient can receive a bank deposit, mobile-wallet payment or cash collection where their country supports that method.

That can fit family transfers to Africa or Asia, but check the specific receiving service before choosing the app.

Some destinations carry a separate transfer fee, while other transfers include the company’s earnings in the exchange rate.

A zero transfer fee therefore needs the same recipient-amount comparison as a service charging an explicit fee.

I'd say compare Taptap with Remitly using the same funding card and delivery method, especially for repeated payments after introductory offers.

For a recipient already using a supported wallet, I favour direct delivery there over cash collection that requires visiting an agent.

Western Union

Western Union brings online cash transfers to Postepay

Western Union has an Italian advantage for Postepay holders who want to arrange cash collection through the Poste app.

You can send online through Poste using an enabled prepaid or debit Postepay card, with bank deposit or mobile-wallet delivery also available on selected routes.

This channel requires a registered Poste account and the relevant card linked to your mobile number.

Its limits are €1,000 a day and €3,000 a month, so it suits smaller personal transfers better than a large property payment.

These limits belong to the Poste channel, and should not be applied to every Western Union transfer.

You can also use Western Union directly through its website, app or an agent, with funding and receiving choices depending on the route.

Cash recipients need the transfer reference and the required identification, while collection also depends on the agent’s opening hours.

Western Union charges through the transfer fee and exchange-rate margin, so cash access needs to justify the complete price.

Check the actual Poste quote before paying, because a Western Union result from another funding channel does not establish your Postepay price.

MoneyGram through Poste Italiane

MoneyGram offers a staffed post-office transfer

MoneyGram through Poste is an option I suggest considering when you want to complete the transfer with someone at a counter.

You can pay in euro cash or with an eligible Postepay-issued payment card, and you do not need a bank account.

Bring a valid identity document and your codice fiscale, then check that the post office offers the service.

The Poste app can prepare a transfer request with a QR code and help you book a slot, but you still complete the payment at the counter.

That separates this service from sending entirely online through Western Union’s Poste channel.

Recipients can collect cash or receive money through an eligible mobile wallet, with the available countries and services checked before sending.

Fees vary by destination, amount and delivery service, while the exchange rate also affects the final cost.

Collection can be available within minutes for the relevant service, although identification checks and agent hours can delay access.

I'd say use the counter when you need to fund with cash or want help entering the details, accepting that its quote may differ from online prices.

Currencies Direct

Currencies Direct helps coordinate larger bank payments

I think Currencies Direct is worth considering for a larger planned bank payment when coordinating the funding, conversion and arrival is more important than cash or wallet delivery.

A personal account manager can help you arrange a bank transfer and discuss the timing, which can suit property payments or overseas tuition.

You can also manage transfers online, although this service has a different role from an app sending cash to relatives.

The euro funding guide supports bank payments, with eligible EU-registered customers also able to fund using supported debit cards.

I suggest using the bank-funded quote when comparing a large amount, then checking the exact recipient payment details before booking.

The broker pays into bank accounts, so the recipient needs the correct bank details rather than a nearby cash collection point.

For a scheduled payment, ask when the funds must reach Currencies Direct and when the recipient should expect the bank deposit.

For an immediate payment, compare the delivered amount with a bank-funded Wise quote, keeping the amount and destination account the same.

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.8441

Transfer Amount €25,000

1

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£20,997.50

€0.00

0.8399

0.50%

Minutes - 24 hours

Bank transfer

Visit

EUR USD

Mid Market Rate €1 = $1.1231

Transfer Amount €25,000

1

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$27,942.50

€0.00

1.1177

0.49%

Minutes - 24 hours

Bank transfer

Visit

Its European service is regulated by the Bank of Spain as an electronic money institution.

Sending from Italy to Bangladesh, Romania or Britain

Family payments to Bangladesh and the Philippines

I'd say choose the receiving method before the company, because a mobile-wallet deposit and cash collection solve different problems for your recipient.

For Bangladesh, confirm the wallet or bank supported by your chosen service, then use the recipient's registered details rather than an informal name.

For the Philippines, check whether the recipient wants a bank deposit, wallet payment or cash, including the particular receiving partner they can reach.

A quick deposit into the wrong account does not help, so agree those details before comparing the amount received.

Euro payments to Romania and other SEPA destinations

Romania's membership of SEPA does not mean every Romanian account holds euros, so establish the account currency before sending the payment.

A euro payment into an eligible euro account can use SEPA, while a recipient needing lei also needs currency conversion somewhere in the process.

Your Italian bank may already cover the first payment within its account tariff, whereas the second needs a comparison of the conversion and receiving cost.

Moving savings to a UK or US bank

For a larger payment, I suggest comparing an online bank-transfer quote with a broker's supported transfer, keeping the destination account and amount identical.

If the account needs pounds or dollars, arrange that currency explicitly rather than leave an unexpected conversion to the receiving bank.

Allow time for identity and source-of-funds checks, especially when a property sale or accumulated savings explain an unusually large payment.

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.844

Transfer Amount €1,000

1

Western Union

2

Revolut

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£845.85

€0.00

0.8459

-0.22%

Minutes - 2 days

Debit card

Visit

EUR / GBP

£841.09

€0.40

0.8414

0.31%

Within minutes

Bank transfer

Visit

EUR / GBP

£839.80

€0.00

0.8398

0.50%

Minutes - 24 hours

Bank transfer

Visit

EUR USD

Mid Market Rate €1 = $1.123

Transfer Amount €1,000

1

Instarem

2

Revolut

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$1,121.90

€0.00

1.1219

0.10%

Minutes - 24 hours

Debit card

Visit

EUR / USD

$1,118.94

€0.85

1.1199

0.28%

Within a week

Bank transfer

Visit

EUR / USD

$1,117.60

€0.00

1.1176

0.48%

Minutes - 24 hours

Bank transfer

Visit

EUR MAD

Mid Market Rate €1 = MAD 11.0072

Transfer Amount €1,000

1

Remitly

2

TapTap Send

3

Western Union

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / MAD

MAD 11,050.00

€0.00

11.0500

-0.39%

Within a week

Debit card

Visit

EUR / MAD

MAD 11,000.00

€0.00

11.0000

0.07%

Minutes

Debit card

Visit

EUR / MAD

MAD 10,971.64

€0.00

10.9716

0.32%

Minutes - 2 days

Debit card

Visit

EUR RON

Mid Market Rate €1 = lei 5.3354

Transfer Amount €1,000

1

Remitly

2

Profee

3

Revolut

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / RON

lei 5,337.50

€0.00

5.3375

-0.04%

Within a week

Debit card

Visit

EUR / RON

lei 5,314.12

€0.00

5.3141

0.40%

Minutes - 24 hours

Debit card

Visit

EUR / RON

lei 5,312.99

€0.75

5.3170

0.34%

Within minutes

Bank transfer

Visit

EUR PHP

Mid Market Rate €1 = ₱70.8068

Transfer Amount €1,000

1

Western Union

2

Remitly

3

Revolut

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / PHP

₱70,859.88

€0.00

70.8599

-0.08%

Minutes - 2 days

Debit card

Visit

EUR / PHP

₱70,620.00

€0.00

70.6200

0.26%

Within a week

Debit card

Visit

EUR / PHP

₱70,428.72

€0.40

70.4569

0.50%

Within minutes

Bank transfer

Visit

EUR BDT

Mid Market Rate €1 = ৳138.0793

Transfer Amount €1,000

1

Western Union

2

Remitly

3

TapTap Send

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / BDT

৳138,630.00

€0.00

138.6298

-0.40%

Minutes - 2 days

Debit card

Visit

EUR / BDT

৳138,630.00

€0.00

138.6300

-0.40%

Within a week

Debit card

Visit

EUR / BDT

৳138,100.00

€0.00

138.1000

-0.01%

Minutes

Debit card

Visit

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Banks, Postepay and cash funding

A standard euro transfer within SEPA and a converted payment outside that route can have very different costs, even when both start from the same Italian account.

For an extra-SEPA bank payment, check the exchange rate and any intermediary deductions alongside the bank's own sending charge.

I'd say ask the bank to trace a delayed payment using its transaction reference, rather than send another payment while the first remains unresolved.

Postepay is a funding instrument, and the remittance service used with it determines the recipient options, fee and exchange rate.

The Poste Italiane app's Western Union service and MoneyGram at a post-office counter are different routes, so their limits and prices should be checked separately.

Cash-funded agent transfers can have lower limits than bank-funded online payments, so confirm the authorised counter's conditions before making a special trip.

For the cost-focused comparison, the cheapest ways to send money abroad from Italy covers how funding and exchange-rate charges change the result.

How to send money abroad from Italy

Find the right service for your payment

If you need balances between payments, multi-currency accounts in Italy covers holding foreign money and spending it later as a separate decision.

Enter the destination and amount below, then choose the service that reaches your recipient using the funding method you want.