Xe is the cheapest right now for transfers from Italy. Using a debit card deposit into a bank deposit will get you 7,852.60 USD in the United States.
For speed, TapTap Send is fastest, with delivery in minutes.
| 13 of 13 providers Last updated on 10 November 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/USD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1236 USD -0.01% vs mid-market | Recipient gets $7,826.68 Within minutes | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €34.281 EUR = 1.1236 USD $7,826.68You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1218 USD +0.15% vs mid-market | Recipient gets $7,852.60 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1218 USD $7,852.60You pay€7,000.00 | |||
Run a live search Showing top Italy to United States 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 USD rates. | |||
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much EUR you're planning to spend in United States. | |||
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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1218 USD +0.15% vs mid-market | Recipient gets $7,852.60 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1218 USD $7,852.60You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.1218 USD +0.15% vs mid-market | Recipient gets $7,852.60 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1218 USD $7,852.60You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.1218 USD +0.15% vs mid-market | Recipient gets $7,852.60 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1218 USD $7,852.60You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.1207 USD +0.25% vs mid-market | Recipient gets $7,844.80 Minutes - 3 days | |
Ways to receive money in US with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.1207 USD $7,844.80You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1205 USD +0.27% vs mid-market | Recipient gets $7,843.23 Minutes - 24 hours | |
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1205 USD $7,843.23You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.1201 USD +0.30% vs mid-market | Recipient gets $7,840.87 Minutes - 24 hours | |
Ways to receive money in US with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1201 USD $7,840.87You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1236 USD -0.01% vs mid-market | Recipient gets $7,826.68 Within minutes | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €34.281 EUR = 1.1236 USD $7,826.68You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.1180 USD +0.49% vs mid-market | Recipient gets $7,826.00 Minutes - 24 hours | |
Ways to receive money in US with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1180 USD $7,826.00You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1179 USD +0.50% vs mid-market | Recipient gets $7,825.14 Minutes - 24 hours | |
Ways to receive money in US with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1179 USD $7,825.14You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.56 1 EUR = 1.1173 USD +0.55% vs mid-market | Recipient gets $7,817.10 Minutes - 24 hours | |
Ways to receive money in US with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.561 EUR = 1.1173 USD $7,817.10You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €44.42 1 EUR = 1.1236 USD -0.01% vs mid-market | Recipient gets $7,815.29 Within minutes | |
Ways to receive money in US with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €44.421 EUR = 1.1236 USD $7,815.29You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €60.85 1 EUR = 1.1202 USD +0.29% vs mid-market | Recipient gets $7,773.52 Same day | |
Ways to receive money in US with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €60.851 EUR = 1.1202 USD $7,773.52You 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 €89.31 1 EUR = 1.1236 USD -0.01% vs mid-market | Recipient gets $7,764.85 Within minutes | |
Ways to receive money in US with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €89.311 EUR = 1.1236 USD $7,764.85You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 1.1080 USD +1.39% vs mid-market | Recipient gets $7,756.00 Minutes | |
Ways to receive money in US with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 1.1080 USD $7,756.00You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.1078 USD +1.40% vs mid-market | Recipient gets $7,754.36 Minutes - 2 days | |
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.1078 USD $7,754.36You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €131.35 1 EUR = 1.1236 USD -0.01% vs mid-market | Recipient gets $7,717.62 Within minutes | |
Ways to receive money in US with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €131.351 EUR = 1.1236 USD $7,717.62You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 1.1021 USD +1.92% vs mid-market | Recipient gets $7,714.84 Minutes - 2 days | |
Ways to receive money in US with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.1021 USD $7,714.84You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €0.99 1 EUR = 1.0968 USD +2.40% vs mid-market | Recipient gets $7,677.60 Minutes - 24 hours | |
Ways to receive money in US with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €0.991 EUR = 1.0968 USD $7,677.60You pay€7,000.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.0968 USD $7,677.60You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €0.99 1 EUR = 1.0968 USD +2.40% vs mid-market | Recipient gets $7,677.60 Minutes - 24 hours | |
Ways to receive money in US with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €0.991 EUR = 1.0968 USD $7,677.60You pay€7,000.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.0968 USD $7,677.60You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €0.99 1 EUR = 1.0968 USD +2.40% vs mid-market | Recipient gets $7,677.60 Minutes - 24 hours | |
Ways to receive money in US with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €0.991 EUR = 1.0968 USD $7,677.60You pay€7,000.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.0968 USD $7,677.60You pay€7,004.99 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.1235 USD Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to the US, I suggest picking the cheapest option which is Xe.
Xe was the cheapest on 3 of the 30 days it quoted €7,000 transfers to the US.
On a 7,000 EUR transfer, Xe delivers the most USD.
The best option will change depending on how much you actually send, so I suggest to get the best EUR/USD rate.
You have 4 ways to fund your transfer, including bank transfer, debit card, credit card, and iDEAL, as well as a Postepay card.
Sending money to the US 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.
First time round you'll need your codice fiscale and a photo ID to verify your account.
How much EUR you send to the US 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 Xe was the cheapest in 19% of the transfers from €5,000 it quoted, and in 19% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | -1.19% | €0.00 | $567.94with debit card to bank deposit | +$14.04 | |
| €1,000 | 0.29% | €0.85 | $1,118.62with bank transfer to bank deposit | +$11.37 | |
| €2,000 | 0.49% | €0.00 | $2,234.40with bank transfer to bank deposit | +$17.87 | |
| €5,000 | 0.15% | €0.00 | $5,605.00with debit card to bank deposit | +$54.88 | |
| €7,000This page | 0.15% | €0.00 | $7,852.60with debit card to bank deposit | +$67.05 | |
| €25,000 | 0.20% | €0.00 | $28,014.18with bank transfer to bank deposit | +$198.48 |
Mid-market rate: 1 EUR = 1.1235 USD
The cheapest way to send EUR to USD 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 Xe), across 30 days of comparisons for 7,000 EUR transfers to the US.
Tue, 10 Nov 2026Mid-market rate$7,864.46 Xe $7,852.60Xe$7,852.60Key Currency$7,844.80Regency FX$7,843.23
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1208 | – | $7,845.80 | |
| | 1.1180 | €0.00 | $7,826.18 | −$19.62 |
| | 1.1178 | €0.00 | $7,824.61 | −$21.19 |
| | 1.1141 | €0.00 | $7,798.70 | −$47.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1182 | – | $7,827.53 | |
| | 1.1160 | €0.00 | $7,812.00 | −$15.53 |
| | 1.1154 | €0.00 | $7,807.96 | −$19.57 |
| | 1.1152 | €0.00 | $7,806.39 | −$21.14 |
| | 1.1126 | €0.00 | $7,788.20 | −$39.33 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1193 | – | $7,834.80 | |
| | 1.1165 | €0.00 | $7,815.21 | −$19.59 |
| | 1.1162 | €0.00 | $7,813.65 | −$21.15 |
| | 1.1130 | €0.00 | $7,791.00 | −$43.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1210 | – | $7,847.27 | |
| | 1.1182 | €0.00 | $7,827.65 | −$19.62 |
| | 1.1180 | €0.00 | $7,826.09 | −$21.18 |
| | 1.1148 | €0.00 | $7,803.60 | −$43.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1239 | – | $7,867.38 | |
| | 1.1211 | €0.00 | $7,847.71 | −$19.67 |
| | 1.1209 | €0.00 | $7,846.14 | −$21.24 |
| | 1.1183 | €0.00 | $7,828.10 | −$39.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1237 | – | $7,866.02 | |
| | 1.1209 | €0.00 | $7,846.35 | −$19.67 |
| | 1.1207 | €0.00 | $7,844.78 | −$21.24 |
| | 1.1105 | €0.00 | $7,773.50 | −$92.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1237 | – | $7,866.02 | |
| | 1.1209 | €0.00 | $7,846.35 | −$19.67 |
| | 1.1207 | €0.00 | $7,844.78 | −$21.24 |
| | 1.1105 | €0.00 | $7,773.50 | −$92.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1203 | – | $7,842.17 | |
| | 1.1180 | €0.00 | $7,826.00 | −$16.17 |
| | 1.1175 | €0.00 | $7,822.56 | −$19.61 |
| | 1.1173 | €0.00 | $7,821.00 | −$21.17 |
| | 1.1140 | €0.00 | $7,798.00 | −$44.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1229 | – | $7,860.48 | |
| | 1.1201 | €0.00 | $7,840.83 | −$19.65 |
| | 1.1199 | €0.00 | $7,839.26 | −$21.22 |
| | 1.1173 | €0.00 | $7,821.10 | −$39.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1217 | – | $7,852.03 | |
| | 1.1189 | €0.00 | $7,832.40 | −$19.63 |
| | 1.1187 | €0.00 | $7,830.83 | −$21.20 |
| | 1.1163 | €0.00 | $7,814.10 | −$37.93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1235 | – | $7,864.37 | |
| | 1.1207 | €0.00 | $7,844.71 | −$19.66 |
| | 1.1204 | €0.00 | $7,843.14 | −$21.23 |
| | 1.1173 | €0.00 | $7,821.10 | −$43.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1201 | – | $7,840.76 | |
| | 1.1173 | €0.00 | $7,821.16 | −$19.60 |
| | 1.1171 | €0.00 | $7,819.59 | −$21.17 |
| | 1.1138 | €0.00 | $7,796.60 | −$44.16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1202 | – | $7,841.64 | |
| | 1.1174 | €0.00 | $7,822.03 | −$19.61 |
| | 1.1172 | €0.00 | $7,820.47 | −$21.17 |
| | 1.1071 | €0.00 | $7,749.70 | −$91.94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1202 | – | $7,841.64 | |
| | 1.1174 | €0.00 | $7,822.03 | −$19.61 |
| | 1.1172 | €0.00 | $7,820.47 | −$21.17 |
| | 1.1059 | €0.00 | $7,741.30 | −$100.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1208 | – | $7,845.43 | |
| | 1.1180 | €0.00 | $7,825.81 | −$19.61 |
| | 1.1177 | €0.00 | $7,824.24 | −$21.19 |
| | 1.1149 | €0.00 | $7,804.30 | −$41.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1164 | – | $7,814.68 | |
| | 1.1150 | €0.00 | $7,805.00 | −$9.68 |
| | 1.1142 | €0.00 | $7,799.40 | −$15.28 |
| | 1.1136 | €0.00 | $7,795.14 | −$19.54 |
| | 1.1134 | €0.00 | $7,793.58 | −$21.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1118 | – | $7,782.53 | |
| | 1.1099 | €0.00 | $7,769.30 | −$13.23 |
| | 1.1090 | €0.00 | $7,763.07 | −$19.46 |
| | 1.1088 | €0.00 | $7,761.52 | −$21.01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1143 | – | $7,799.79 | |
| | 1.1115 | €0.00 | $7,780.29 | −$19.49 |
| | 1.1112 | €0.00 | $7,778.73 | −$21.06 |
| | 1.1081 | €0.00 | $7,756.70 | −$43.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1185 | – | $7,829.36 | |
| | 1.1157 | €0.00 | $7,809.79 | −$19.57 |
| | 1.1155 | €0.00 | $7,808.22 | −$21.14 |
| | 1.1122 | €0.00 | $7,785.40 | −$43.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1206 | – | $7,843.98 | |
| | 1.1178 | €0.00 | $7,824.37 | −$19.61 |
| | 1.1175 | €0.00 | $7,822.80 | −$21.18 |
| | 1.1091 | €0.00 | $7,763.70 | −$80.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1206 | – | $7,843.98 | |
| | 1.1178 | €0.00 | $7,824.37 | −$19.61 |
| | 1.1175 | €0.00 | $7,822.80 | −$21.18 |
| | 1.1070 | €0.00 | $7,749.00 | −$94.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1193 | – | $7,835.25 | |
| | 1.1172 | €0.00 | $7,820.40 | −$14.85 |
| | 1.1165 | €0.00 | $7,815.66 | −$19.59 |
| | 1.1163 | €0.00 | $7,814.09 | −$21.16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1197 | – | $7,838.04 | |
| | 1.1169 | €0.00 | $7,818.44 | −$19.60 |
| | 1.1167 | €0.00 | $7,816.88 | −$21.16 |
| | 1.1135 | €0.00 | $7,794.50 | −$43.54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1244 | – | $7,871.01 | |
| | 1.1216 | €0.00 | $7,851.33 | −$19.68 |
| | 1.1214 | €0.00 | $7,849.76 | −$21.25 |
| | 1.1182 | €0.00 | $7,827.40 | −$43.61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1244 | – | $7,870.92 | |
| | 1.1216 | €0.00 | $7,851.24 | −$19.68 |
| | 1.1214 | €0.00 | $7,849.67 | −$21.25 |
| | 1.1181 | €0.00 | $7,826.70 | −$44.22 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1172 | – | $7,820.71 | |
| | 1.1170 | €0.00 | $7,819.00 | −$1.71 |
| | 1.1151 | €0.00 | $7,805.70 | −$15.01 |
| | 1.1145 | €0.00 | $7,801.16 | −$19.55 |
| | 1.1142 | €0.00 | $7,799.59 | −$21.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1151 | – | $7,805.50 | |
| | 1.1123 | €0.00 | $7,785.98 | −$19.52 |
| | 1.1121 | €0.00 | $7,784.42 | −$21.08 |
| | 1.1004 | €0.00 | $7,702.80 | −$102.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1151 | – | $7,805.50 | |
| | 1.1123 | €0.00 | $7,785.98 | −$19.52 |
| | 1.1121 | €0.00 | $7,784.42 | −$21.08 |
| | 1.1003 | €0.00 | $7,702.10 | −$103.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1173 | – | $7,820.97 | |
| | 1.1145 | €0.00 | $7,801.41 | −$19.56 |
| | 1.1143 | €0.00 | $7,799.85 | −$21.12 |
| | 1.1108 | €0.00 | $7,775.60 | −$45.37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1235 | – | $7,864.46 | |
| | 1.1218 | €0.00 | $7,852.60 | −$11.86 |
| | 1.1207 | €0.00 | $7,844.80 | −$19.66 |
| | 1.1205 | €0.00 | $7,843.23 | −$21.23 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.1235 | – | $7,864.46 | |
|---|---|---|---|---|
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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 USD 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 USD on every transfer from Italy.
Right now, Xe pays 7,852.60 USD on 7,000 EUR, which is 11.86 USD less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the US.
We've tracked 175 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest in 34% of them
Cheapest in 64% of them
Never the cheapest
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest in 19% of them
Cheapest in 73% of them
Never the cheapest
Based on 175 comparisons across 6 amounts over the last 30 days.
Cheapest in 14% of them
Cheapest in 77% of them
Never the cheapest
Based on 235 comparisons across 6 amounts over the last 90 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 Xe is the cheapest and gets you the most USD, but it was the cheapest in only 19% of the 146 comparisons it appeared in over the past month.
If it's a one-off transfer, go with Xe, since it's the cheapest right now.
13 companies send money from Italy to the United States. You can send EUR via currency broker, app, online, multi-currency account, global business account, and in person, and more below.
Regular transfers
For the regular transfer home, an app like Xe is the easiest and most convenient option.
Over the past month, Xe was the cheapest app on 13% of the days it appeared for €7,000 transfers.
Xe charges €0 on a €7,000 transfer, and 7,852.60 USD lands in minutes - 24 hours.
For one-off 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).
Xe delivers 7,852.60 USD on €7,000 with a €0 fee and 0.15% markup.
In our comparisons over the past month, it was the cheapest online service on 6 of the 30 days it quoted.
Sending large sums
Managed services charge no fees and work on margin instead, and the more you send to the US, the better rate you will get.
Xe charges no fee and adds 0.15% on EUR/USD rate.
Our analysis shows Xe was the cheapest broker in 22% of the transfers from €5,000 it quoted.
Travelling and receiving
If you travel to the US often, or receive payments from there, this is the best option.
Multi-currency accounts let you hold EUR and USD in one account, and for some currencies you also get local account details.
I suggest trying Wise.
Over the past month, it came out cheapest among multi-currency accounts on 37% of days.
It holds EUR and USD balances and charges small fees to convert between them.
For business payments
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.
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 7,852.60 USD.
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 USD to the United States by themselves.
In the United States, the recipient can use bank deposit and cash pickup.
In the US, they can collect cash through MoneyGram.
They need to take a photo ID and the collection reference to a participating MoneyGram location in the United States.
You pay €7,000.00
$7,853
Cheapest
You pay €7,000.00
$7,853
$0
You pay €7,000.00
$7,853
$0
You pay €7,000.00
$7,815
-$37
You pay €7,004.99
$7,678
-$175
You pay €7,004.99
$7,678
-$175
You pay €7,004.99
$7,678
-$175
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.
These are the leading options for a €7,000 transfer to the United States.
Cheapest way to send money to the United States
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 7,852.60 USD, which is 0.1% more than the next best option.
Fastest way to send money to the United States
The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 7,756 USD, with the money arriving in minutes.
A bonifico can move euros from your Italian bank to the transfer company through SEPA.
Companies like Xe then convert the money into USD and pay your recipient in the United States 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.
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.
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.
Every company here is regulated by Banca d’Italia or by its home country’s financial regulator.
We track 13 of them on EUR to the United States, 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 175 comparisons across 6 amounts.
This page covers the cheapest and fastest options for EUR/USD 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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