How to send money to Costa Rica from Italy with the best EUR-CRC rate

Regency FX is the cheapest right now for transfers from Italy. Using a bank transfer deposit into a bank deposit will get you 3,536,307.01 CRC in Costa Rica.

For speed, Revolut is fastest, with delivery in within minutes.

Best companies for EUR/CRC transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/CRC transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.0740 CRC +0.69% vs mid-market Recipient gets ₡3,467,387.24 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.0740 CRC
₡3,467,387.24You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 481.6791 CRC +5.03% vs mid-market Recipient gets ₡3,371,753.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.6791 CRC
₡3,371,753.70You pay€7,000.00

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Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 505.1867 CRC +0.27% vs mid-market Recipient gets ₡3,536,307.01 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Costa Rica with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 505.1867 CRC
₡3,536,307.01You pay€7,000.00

Wise

Pay via Bank transfer
Fee €107.60 1 EUR = 503.0740 CRC +0.69% vs mid-market Recipient gets ₡3,467,387.24 Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€107.601 EUR = 503.0740 CRC
₡3,467,387.24You pay€7,000.00

Wise

Pay via iDEAL
Fee €117.54 1 EUR = 503.0740 CRC +0.69% vs mid-market Recipient gets ₡3,462,386.68 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Costa Rica with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€117.541 EUR = 503.0740 CRC
₡3,462,386.68You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €62.80 1 EUR = 499.0076 CRC +1.50% vs mid-market Recipient gets ₡3,461,715.54 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€62.801 EUR = 499.0076 CRC
₡3,461,715.54You 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 €161.52 1 EUR = 503.0740 CRC +0.69% vs mid-market Recipient gets ₡3,440,261.49 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€161.521 EUR = 503.0740 CRC
₡3,440,261.49You pay€7,000.00

Wise

Pay via Credit card
Fee €202.73 1 EUR = 503.0740 CRC +0.69% vs mid-market Recipient gets ₡3,419,529.81 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€202.731 EUR = 503.0740 CRC
₡3,419,529.81You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €0.99 1 EUR = 483.9104 CRC +4.57% vs mid-market Recipient gets ₡3,387,372.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.991 EUR = 483.9104 CRC
₡3,387,372.80You pay€7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €0.99 1 EUR = 483.9104 CRC +4.57% vs mid-market Recipient gets ₡3,387,372.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.991 EUR = 483.9104 CRC
₡3,387,372.80You pay€7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €0.99 1 EUR = 483.9104 CRC +4.57% vs mid-market Recipient gets ₡3,387,372.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.991 EUR = 483.9104 CRC
₡3,387,372.80You pay€7,000.99
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €221.00 1 EUR = 499.0076 CRC +1.50% vs mid-market Recipient gets ₡3,382,772.54 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€221.001 EUR = 499.0076 CRC
₡3,382,772.54You 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.

Xe

Pay via Debit card
Fee €0.00 1 EUR = 481.6791 CRC +5.03% vs mid-market Recipient gets ₡3,371,753.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.6791 CRC
₡3,371,753.70You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 481.6791 CRC +5.03% vs mid-market Recipient gets ₡3,371,753.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.6791 CRC
₡3,371,753.70You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 481.6791 CRC +5.03% vs mid-market Recipient gets ₡3,371,753.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Costa Rica with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 481.6791 CRC
₡3,371,753.70You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 506.5544 CRC Updates every 60 minutes.

How to send money from Italy to Costa Rica

Pick a company

For a one-off EUR transfer to Costa Rica, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 29 of the 29 days it quoted €7,000 transfers to Costa Rica.

On a 7,000 EUR transfer, Regency FX delivers the most CRC.

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

Fund your transfer

You have 4 ways to fund your transfer: bank transfer, debit card, credit card, and iDEAL.

Sending money to Costa Rica directly with SEPA is expensive, but it's a cheap and quick way to fund your money transfer account.

You can also use a debit card to fund the transfer, including the Postepay card.

Verify and send

First time round you'll need your codice fiscale and a photo ID to verify your account.

Compare amounts

How much EUR are you sending to Costa Rica?

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

Cheapest service
€5001.63%€0.00₡249,299.37with debit card to bank deposit+₡5,562.98
€1,0001.49%€2.80₡497,583.52with bank transfer to bank deposit+₡11,679.21
€2,0001.49%€12.80₡991,574.39with bank transfer to bank deposit+₡19,529.69
€5,0000.69%€78.63₡2,477,594.83with bank transfer to bank deposit+₡41,613.81
€7,000This page0.27%€0.00₡3,536,307.01with bank transfer to bank deposit+₡117,250.10

Mid-market rate: 1 EUR = 506.5544 CRC

EUR/CRC Exchange Rate History

Is today a good time to send money from Italy to Costa Rica?

The cheapest way to send EUR to CRC 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 Regency FX), across 30 days of comparisons for 7,000 EUR transfers to Costa Rica.

CRC received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate₡3,545,880.88 Regency FX ₡3,536,307.01Regency FX₡3,536,307.01Wise₡3,467,387.24Revolut₡3,461,715.54

3,40M
3,45M
3,50M
3,55M
3,60M
3,65M
At the mid-market rateWith the cheapest optionRegency FXWiseRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.7864 – ₡3,610,504.70
Regency FX Cheapest 514.3938 €0.00 ₡3,600,756.34 −₡9,748.36
Wise 515.2730 €107.60 ₡3,551,467.63 −₡59,037.07
Revolut 511.1632 €70.50 ₡3,542,105.47 −₡68,399.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.6027 – ₡3,623,218.75
Regency FX Cheapest 516.2052 €0.00 ₡3,613,436.06 −₡9,782.69
Wise 516.5560 €107.60 ₡3,560,310.57 −₡62,908.18
Revolut 512.5437 €70.50 ₡3,551,671.42 −₡71,547.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.6324 – ₡3,623,426.74
Regency FX Cheapest 516.2348 €0.00 ₡3,613,643.48 −₡9,783.26
Wise 516.2660 €107.60 ₡3,558,311.78 −₡65,114.96
Revolut 512.0667 €70.50 ₡3,548,366.41 −₡75,060.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 517.2163 – ₡3,620,514.36
Regency FX Cheapest 515.8199 €0.00 ₡3,610,738.97 −₡9,775.39
Wise 515.6350 €107.60 ₡3,553,962.67 −₡66,551.69
Revolut 511.4454 €70.50 ₡3,544,061.22 −₡76,453.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 515.8287 – ₡3,610,800.87
Regency FX Cheapest 514.4360 €0.00 ₡3,601,051.70 −₡9,749.17
Wise 515.3760 €107.60 ₡3,552,177.54 −₡58,623.33
Revolut 509.7374 €140.50 ₡3,496,543.42 −₡114,257.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 514.7933 – ₡3,603,553.29
Regency FX Cheapest 513.4034 €0.00 ₡3,593,823.70 −₡9,729.59
Wise 515.3760 €107.60 ₡3,552,177.54 −₡51,375.75
Revolut 509.6860 €140.50 ₡3,496,191.00 −₡107,362.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 512.7654 – ₡3,589,357.51
Regency FX Cheapest 511.3809 €0.00 ₡3,579,666.24 −₡9,691.27
Wise 512.9250 €107.60 ₡3,535,284.27 −₡54,073.24
Revolut 509.0434 €70.50 ₡3,527,416.18 −₡61,941.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 513.2594 – ₡3,592,815.93
Regency FX Cheapest 511.8736 €0.00 ₡3,583,115.33 −₡9,700.60
Wise 513.9280 €107.60 ₡3,542,197.35 −₡50,618.58
Revolut 509.8726 €70.50 ₡3,533,162.40 −₡59,653.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 513.2434 – ₡3,592,703.58
Regency FX Cheapest 511.8576 €0.00 ₡3,583,003.28 −₡9,700.30
Wise 511.8830 €107.60 ₡3,528,102.39 −₡64,601.19
Revolut 507.6877 €70.50 ₡3,518,021.97 −₡74,681.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.5640 – ₡3,573,948.33
Regency FX Cheapest 509.1855 €0.00 ₡3,564,298.67 −₡9,649.66
Wise 509.7550 €107.60 ₡3,513,435.36 −₡60,512.97
Revolut 505.7711 €70.50 ₡3,504,740.60 −₡69,207.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.0034 – ₡3,570,024.09
Regency FX Cheapest 508.6264 €0.00 ₡3,560,385.03 −₡9,639.06
Wise 509.7120 €107.60 ₡3,513,138.99 −₡56,885.10
Revolut 505.5481 €70.50 ₡3,503,195.44 −₡66,828.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Revolut 502.4499 €140.50 ₡3,446,555.17 −₡132,264.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.2599 – ₡3,578,819.50
Regency FX Cheapest 509.8795 €0.00 ₡3,569,156.69 −₡9,662.81
Wise 508.1390 €107.60 ₡3,502,297.24 −₡76,522.26
Revolut 502.4499 €140.50 ₡3,446,555.17 −₡132,264.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.9446 – ₡3,576,612.14
Regency FX Cheapest 509.5650 €0.00 ₡3,566,955.29 −₡9,656.85
Wise 508.2980 €107.60 ₡3,503,393.14 −₡73,219.00
Revolut 504.2531 €70.50 ₡3,494,221.83 −₡82,390.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.1882 – ₡3,571,317.11
Regency FX Cheapest 508.8107 €0.00 ₡3,561,674.56 −₡9,642.55
Wise 505.8450 €107.60 ₡3,486,486.08 −₡84,831.03
Revolut 501.8470 €70.50 ₡3,477,549.08 −₡93,768.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 508.6262 – ₡3,560,383.16
Paysend Cheapest 502.8337 €0.00 ₡3,519,836.00 −₡40,547.16
Wise 505.8730 €107.60 ₡3,486,679.07 −₡73,704.09
Regency FX No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.6030 – ₡3,574,221.11
Regency FX Cheapest 509.2244 €0.00 ₡3,564,570.71 −₡9,650.40
Wise 506.0420 €107.60 ₡3,487,843.88 −₡86,377.23
Revolut 501.9389 €62.80 ₡3,482,050.30 −₡92,170.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.6137 – ₡3,581,296.15
Regency FX Cheapest 510.2324 €0.00 ₡3,571,626.65 −₡9,669.50
Wise 506.8230 €107.60 ₡3,493,226.85 −₡88,069.29
Revolut 502.7983 €62.80 ₡3,488,012.56 −₡93,283.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4028 – ₡3,579,819.27
Regency FX Cheapest 510.0220 €0.00 ₡3,570,153.76 −₡9,665.51
Wise 506.4010 €107.60 ₡3,490,318.25 −₡89,501.02
Revolut 500.1993 €132.80 ₡3,434,968.31 −₡144,850.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4028 – ₡3,579,819.27
Regency FX Cheapest 510.0220 €0.00 ₡3,570,153.76 −₡9,665.51
Wise 506.4010 €107.60 ₡3,490,318.25 −₡89,501.02
Revolut 500.1993 €132.80 ₡3,434,968.31 −₡144,850.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8138 – ₡3,575,696.27
Regency FX Cheapest 509.4346 €0.00 ₡3,566,041.89 −₡9,654.38
Wise 505.3450 €107.60 ₡3,483,039.88 −₡92,656.39
Revolut 501.2610 €62.80 ₡3,477,347.87 −₡98,348.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.1483 – ₡3,571,038.20
Regency FX Cheapest 508.7709 €0.00 ₡3,561,396.39 −₡9,641.81
Wise 507.4950 €107.60 ₡3,497,858.54 −₡73,179.66
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 508.8371 – ₡3,561,859.40
Regency FX Cheapest 507.4632 €0.00 ₡3,552,242.38 −₡9,617.02
Wise 507.8530 €107.60 ₡3,500,326.02 −₡61,533.38
Revolut 503.7980 €62.80 ₡3,494,947.19 −₡66,912.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 511.4612 – ₡3,580,228.65
Regency FX Cheapest 510.0803 €0.00 ₡3,570,562.03 −₡9,666.62
Wise 510.6530 €107.60 ₡3,519,624.74 −₡60,603.90
Revolut 506.7333 €62.80 ₡3,515,310.07 −₡64,918.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.9204 – ₡3,576,442.91
Regency FX Cheapest 509.5409 €0.00 ₡3,566,786.51 −₡9,656.40
Wise 508.8170 €107.60 ₡3,506,970.29 −₡69,472.61
Revolut 504.9706 €62.80 ₡3,503,081.94 −₡73,360.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Revolut 501.0685 €132.80 ₡3,440,937.71 −₡134,992.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.8472 – ₡3,575,930.60
Regency FX Cheapest 509.4679 €0.00 ₡3,566,275.58 −₡9,655.02
Wise 507.2380 €107.60 ₡3,496,087.19 −₡79,843.41
Revolut 501.0685 €132.80 ₡3,440,937.71 −₡134,992.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 510.2838 – ₡3,571,986.29
Regency FX Cheapest 508.9060 €0.00 ₡3,562,341.93 −₡9,644.36
Wise 507.3520 €107.60 ₡3,496,872.92 −₡75,113.37
Revolut 502.4431 €62.80 ₡3,485,548.39 −₡86,437.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 509.3422 – ₡3,565,395.57
Regency FX Cheapest 507.9670 €0.00 ₡3,555,769.01 −₡9,626.56
Wise 505.2490 €107.60 ₡3,482,378.21 −₡83,017.36
Revolut 501.2373 €62.80 ₡3,477,183.12 −₡88,212.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 506.5544 – ₡3,545,880.88
Regency FX Cheapest 505.1867 €0.00 ₡3,536,307.01 −₡9,573.87
Wise 503.0740 €107.60 ₡3,467,387.24 −₡78,493.64
Revolut 499.0076 €62.80 ₡3,461,715.54 −₡84,165.34

Exchange rateFeeRecipient getsDifference

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 CRC 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 CRC on every transfer from Italy.

Right now, Regency FX pays 3,536,307.01 CRC on 7,000 EUR, which is 9,573.87 CRC less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,613,643.48 CRC.

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 Costa Rica.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 29 comparisons

    Cheapest every time

  2. WiseAppeared in 93 comparisons

    Cheapest in 26% of them

  3. RevolutAppeared in 86 comparisons

    Cheapest in 26% of them

Based on 94 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in only 26% of its comparisons, so it's rarely the cheapest option for transfers to Costa Rica.

Ways to send money from Italy to Costa Rica

5 companies send money from Italy to Costa Rica. You can send EUR via app, online, broker, multi-currency account, global account, and in person, and more below.

Regular transfers

Money transfer apps

For the regular transfer home, an app like Wise is the easiest and most convenient option.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for €7,000 transfers.

Wise charges €107.6 on a €7,000 transfer, and 3,467,387.24 CRC lands in same day.

For one-off transfers

Online transfers

Outside the euro transfers, a bank transfer passes through intermediary banks, and each one can take a cut along the way.

Online services skip this and use their own network (it’s much cheaper).

Wise delivers 3,467,387.24 CRC on €7,000 with a €107.6 fee and 0.69% markup.

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

Sending large sums

Currency brokers

Managed services charge no fees and work on margin instead, and the more you send to Costa Rica, the better rate you will get.

Regency FX charges no fee and adds 0.27% on EUR/CRC rate.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

Travelling and receiving

Multi-currency accounts

If you travel to Costa Rica often, or receive payments from there, this is the best option.

Multi-currency accounts let you hold EUR and CRC in one account, and give you local details.

I suggest trying Wise.

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

It holds EUR and CRC balances and charges small fees to convert between them.

For business payments

Global accounts

Global accounts are for businesses and freelancers with a partita IVA, paying suppliers abroad, invoicing foreign clients, holding a few currencies.

A few good options are Wise Business, Airwallex, and Payoneer.

Ways to fund EUR and receive CRC in Costa Rica

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 3,536,307.01 CRC.

In Italy, you can pay by bank transfer, debit card, credit card, and iDEAL.

Satispay and Bancomat Pay are mainly domestic payment methods, they do not send CRC to Costa Rica by themselves.

In Costa Rica, the recipient can use bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    ₡3,536,307

    Cheapest

  2. 2
    iDEAL Bank deposit

    You pay €7,000.00

    ₡3,462,387

    -₡73,920

  3. 3
    Debit card Bank deposit

    You pay €7,000.00

    ₡3,440,261

    -₡96,046

  4. 4
    Credit card Bank deposit

    You pay €7,000.00

    ₡3,419,530

    -₡116,777

Consider this when sending money from Italy to Costa Rica

For a transfer from Italy, compare the amount received first. Then check whether you are making a SEPA payment, an extra-SEPA transfer or a cash-agent remittance, because each works differently.

Compare money transfer options

These are the leading options for a €7,000 transfer to Costa Rica.

Cheapest way to send money to Costa Rica

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 3,536,307.01 CRC, which is 1.95% more than the next best option.

Fastest way to send money to Costa Rica

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,461,715.54 CRC, with the money arriving in within minutes.

SEPA only covers the first leg

A bonifico can move euros from your Italian bank to the transfer company through SEPA.

Companies like Regency FX then convert the money into CRC and pay your recipient in Costa Rica through a local bank, a wallet, or a cash-pickup network.

SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.

Check the agent when paying in person

In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.

The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.

Their Italian agents must appear in the OAM register.

Prepare for anti-money-laundering checks

Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.

Use a clear causale and keep the document that explains the money ready.

For property proceeds, tuition or moving savings, tell the bank before the transfer is due.

If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.

How we analyse the market

Every company here is registered with Banca d'Italia or passported in from elsewhere in the EU.

We track 5 of them on EUR to Costa Rica, comparing rates, fees and the ways to pay in and collect, updated in real time on live comparisons.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

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

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.