Best companies for EUR/PEN transfers
4 of 4 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/PEN transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €96.33 1 EUR = 3.8661 PEN +0.01% vs mid-market	Recipient gets PEN 26,690.07 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €96.331 EUR = 3.8661 PEN PEN 26,690.07You pay€7,000.00
Promoted Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 3.8559 PEN +0.27% vs mid-market	Recipient gets PEN 26,991.24 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Peru with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8559 PEN PEN 26,991.24You pay€7,000.00
Run a live search Showing top Italy to Peru 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 PEN rates.
Run a live search These companies offer multi-currency accounts for spending PEN. We suggest doing a live search based on how much EUR you're planning to spend in Peru.
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: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 3.8559 PEN +0.27% vs mid-market	Recipient gets PEN 26,991.24 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Peru with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8559 PEN PEN 26,991.24You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 3.8470 PEN +0.50% vs mid-market	Recipient gets PEN 26,928.99 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Peru with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 3.8470 PEN PEN 26,928.99You pay€7,000.00
Wise Pay via Bank transfer	Fee €96.33 1 EUR = 3.8661 PEN +0.01% vs mid-market	Recipient gets PEN 26,690.07 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €96.331 EUR = 3.8661 PEN PEN 26,690.07You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €106.30 1 EUR = 3.8661 PEN +0.01% vs mid-market	Recipient gets PEN 26,651.53 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €106.301 EUR = 3.8661 PEN PEN 26,651.53You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 3.8313 PEN +0.91% vs mid-market	Recipient gets PEN 26,548.99 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Peru with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 3.8313 PEN PEN 26,548.99You 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 €150.43 1 EUR = 3.8661 PEN +0.01% vs mid-market	Recipient gets PEN 26,480.92 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €150.431 EUR = 3.8661 PEN PEN 26,480.92You pay€7,000.00
Wise Pay via Credit card	Fee €191.78 1 EUR = 3.8661 PEN +0.01% vs mid-market	Recipient gets PEN 26,321.06 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Peru with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €191.781 EUR = 3.8661 PEN PEN 26,321.06You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 3.8663 PEN Updates every 60 minutes.

Why compare

EUR/PEN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Italy to Peru

Pick a company

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

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

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

Fund your transfer

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

Sending money to Peru directly with SEPA is expensive, but using it to fund the money transfer account, since its cheap and quick.

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.

Ways to send money from Italy to Peru

4 companies send money from Italy to Peru. You can send EUR via broker, app, multi-currency account, global account, and online, and more below.

Regular transfers

Money transfer apps

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

Wise charges €96.33 on a €7,000 transfer, and 26,690.07 PEN lands in within a week.

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 26,690.07 PEN on €7,000 with a €96.33 fee and 0.01% markup.

Sending large sums

Currency brokers

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

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

Travelling and receiving

Multi-currency accounts

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

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

I suggest trying Wise.

It holds EUR and PEN 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 PEN in Peru

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 26,991.24 PEN.

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

Satispay and Bancomat Pay are mainly domestic payment methods, they do not send PEN to Peru by themselves.

In Peru, the recipient can use bank deposit.

1

Bank transfer Bank deposit

You pay €7,000.00

S/26,991

Cheapest
2

Ideal Bank deposit

You pay €7,000.00

S/26,652

-S/340
3

Debit card Bank deposit

You pay €7,000.00

S/26,481

-S/510
4

Credit card Bank deposit

You pay €7,000.00

S/26,321

-S/670

Consider this when sending money from Italy to PEN

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 Peru.

Cheapest way to send money to Peru

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 26,991.24 PEN, which is 0.23% more than the next best option.

Fastest way to send money to Peru

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 26,548.99 PEN, 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 PEN and pay your recipient in Peru 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.

Live EUR-PEN Exchange Rate

Finding the best rate to send money from Italy to Peru

The exchange rate affects the final PEN amount, so compare today's quote with the recent EUR/PEN range before sending.

Mid-market rate:1 EUR = 3.863148 PEN

How we analyse the market

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

We track 4 of them on EUR to Peru, comparing rates, fees and the ways to pay in and collect, updated in real time on live comparisons.

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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How to send money to Peru from Italy with the best EUR-PEN rate

Best companies for EUR/PEN transfers