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 Italy 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 Italy to Spain

Pick a company

For a one-off EUR transfer to Spain, I suggest picking the cheapest option which is Revolut.

Revolut was the cheapest on 28 of the 28 days it quoted €7,000 transfers to Spain.

On a 7,000 EUR transfer, Revolut delivers the most EUR.

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

Fund your transfer

You have 4 ways to fund your transfer, including bank transfer, debit card, iDEAL, and credit card, as well as a Postepay card.

Sending money to Spain from your Italian bank is usually expensive when currency conversion is involved, but many money transfer services offer SEPA deposits which are quicker and cheaper.

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 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 Italy 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 Italy.

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 135 comparisons
Cheapest every time
WiseAppeared in 145 comparisons
Cheapest in 8% 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 135 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 8% of its comparisons, so it's rarely the cheapest option for transfers to Spain.

Ways to send money from Italy to Spain

2 companies send money from Italy to Spain. You can send EUR via app, multi-currency account, global business account, and online, and more below.

Regular transfers

Money transfer apps

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

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 7,000 EUR lands in within minutes.

For one-off transfers

Online transfers

For transfers outside the euro, a bank transfer often 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 6,999.05 EUR on €7,000 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.

Sending large sums

Currency brokers

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

Getting a few quotes from brokers like TorFX, Currencies Direct, and Regency FX is the best way to get the most EUR delivered. Pick whichever one offers more EUR.

Travelling and receiving

Multi-currency accounts

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

Multi-currency accounts let you hold EUR and EUR in one account, and for some currencies you also get local account details.

I suggest trying Revolut.

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

It holds EUR and EUR 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 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.

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

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

In Spain, the recipient can use bank deposit.

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

Consider this when sending money from Italy to Spain

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 Spain.

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, 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 Revolut then convert the money into EUR and pay your recipient in Spain 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 regulated by Banca d’Italia or by its home country’s financial regulator.

We track 2 of them on EUR to Spain, 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 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.

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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Send money to Spain

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Wed, 14 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	–	–	–	–

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

Best companies for EUR/EUR transfers