The Best International Money Transfer Apps in the Netherlands in 2026

Table of Contents

Last updated on October 16th, 2026Why trust usDisclosure

Table of Contents

I suggest Wise when you want to authorise a foreign bank payment through your Dutch bank and also manage foreign income or travel money.

If you already use bunq, its integrated foreign-payment flow can keep the transfer beside your everyday banking.

For family support, Remitly and Taptap Send let you fund through iDEAL while choosing a receiving method your family can use.

My suggestion is to judge the app around what happens after that Dutch bank authorisation, from tracking the transfer to cash collection or wallet delivery abroad.

At a glance

Wise: Dutch-bank funding and foreign balances.
bunq: Foreign payments beside your Dutch banking.
Revolut: Travel balances and everyday card spending.
Remitly: Bank-funded family receiving choices.
Taptap Send: iDEAL-funded repeat wallet payments.
ABN AMRO: Using your current bank balance.
Western Union: App preparation with cash funding.
TransferGo: Planned bank or eligible card payouts.
Xe: Currency alerts before a bank payment.

My picks for sending from your phone

Some apps fund an overseas order through your Dutch bank, while others send from a balance you already hold inside the banking app.

Dutch-bank funding and foreign balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

Transfer Speed

Minutes - 24 hours

"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."

Foreign payments beside your Dutch banking

bunq

Fees

Exchange Rate Markup

Transfer Speed

Travel balances and everyday card spending

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

"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.

Bank-funded family receiving choices

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

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

iDEAL-funded repeat wallet payments

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

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

Using your current bank balance

ABN AMRO

Fees

Exchange Rate Markup

Transfer Speed

App preparation with cash funding

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Planned bank or eligible card payouts

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Currency alerts before a bank payment

8.6

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Wise

Wise lets you fund through your Dutch bank and keep foreign balances


Available on	iOS and Android
App store rating	4.7/5 (16k+ ratings)
Google play rating	4.7/5 (2m+ reviews)

Wise is my pick for repeat foreign bank payments when you also want receiving details and a balance for travel spending.

You can choose iDEAL to pay in euros from a Dutch bank account, authorise the payment through your bank and return to Wise.

That funds the order, while the recipient's arrival estimate remains a separate part of the transfer.

Saved recipients, document uploads and payment history keep repeat sending and verification together on your phone.

Eligible bank, card and available Wise-balance funding provide other options, with the method affecting the quoted cost.

The recipient can receive a bank payment without opening Wise, but cash collection is not available.

You can hold supported foreign currencies, receive through available account details and spend an available matching balance with the debit card.

I like its multi-currency account when foreign income and spending overlap, rather than converting money back to euros between every payment.

Wise uses the mid-market rate with a separate conversion fee, with no personal monthly subscription.

The physical card costs €7, while some receiving services and cash withdrawals have additional charges.

The €500 and €2,000 figures below put the funding cost beside the conversion rate for the receiving currencies.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / GBP	£419.28	€3.37	0.8442	0.00%	Within minutes	Bank transfer
EUR / INR	₹52,944.59	€3.86	106.7130	-0.07%	Within minutes	Bank transfer
EUR / MAD	MAD 5,323.02	€14.07	10.9543	0.48%	Within a week	Bank transfer
EUR / PHP	₱35,103.02	€4.14	70.7922	0.01%	Within minutes	Bank transfer
EUR / PLN	zł 2,168.99	€3.72	4.3705	0.00%	Within a week	Bank transfer
EUR / TRY	₺27,537.28	€4.71	55.5983	0.01%	Within 3 hours	Bank transfer
EUR / USD	$557.25	€3.87	1.1232	-0.01%	Same day	Bank transfer

Last updated at 16/10/2026

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Wise is worth it	Find an alternative
Authorise EUR funding through your Dutch bank	Your recipient needs cash collection
Reuse bank recipients and receive foreign income	You want staff to accept cash funding
Spend from a matching foreign balance	You only need a euro SEPA payment

bunq

bunq keeps foreign payments inside your banking routine


Available on	iOS and Android
App store rating	4.4/5 (35k+ ratings)
Google play rating	4.3/5 (39k+ reviews)

If you already use bunq, you can arrange a supported foreign bank payment without moving into a separate remittance account.

From Home, choose Pay and the currency, enter the amount and recipient, then review and confirm the order.

You can use a euro account as the funding source, with the payment record showing progress and an arrival estimate.

Foreign accounts also let you hold and receive supported currencies, with AutoSelect choosing an available matching balance for card spending.

That makes its multi-currency account a fit when you want banking, foreign income and travel balances in the same app.

One-time foreign payments are available on Free, Core, Pro and Elite, with the route and amount determining the charge.

Pro includes five and Elite ten free one-time FX payments monthly, but those allowances exclude separately charged SWIFT payments.

Free has no monthly cost, while Core costs €3.99, Pro €9.99 and Elite €18.99 per month.

Foreign-balance conversion has a 0.5% network fee and an additional 0.15% to 0.5% at weekends, while other payment or receiving fees remain separate.

I suggest counting the plan and actual transfer charge together, rather than assuming that a paid allowance removes every overseas payment cost.

bunq is worth it	Find an alternative
Send from the banking balance you already use	Your family needs cash or mobile-wallet delivery
Manage foreign income and matching-balance spending	You want every SWIFT payment included free
Keep accounts and payment records together	You only want a one-off remittance account

Revolut

Revolut suits transfers alongside your travel and card budget


Available on	iOS and Android
App store rating	4.8/5 (60k+ ratings)
Google play rating	4.7/5 (4.1m+ reviews)

In my opinion, Revolut is worth considering when overseas transfers belong beside your virtual cards, spending controls and foreign travel balances.

You open and verify the account in the app, then fund it using an eligible bank or card payment.

Internal transfers to another Revolut user are instant and free, while an external bank recipient uses ordinary receiving details.

The account holds supported currencies and can spend from an available matching balance, reducing repeated conversion when you return to the same destination.

Those multi-currency account features suit regular travel, although holding a currency does not mean it has separate local receiving details.

Standard has no monthly subscription and a €1,000 rolling monthly exchange allowance, with a 1% fee on the excess.

The Standard weekend exchange fee is also 1%, and other qualifying conversions use the same allowance.

Revolut uses its own rate, with separate charges possible for non-SEPA international or card payments.

Paid plans increase allowances, but the subscription and your expected exchange use decide whether upgrading saves money.

Bank funding is free, while commercial or non-EEA cards and physical-card delivery can add charges.

These €500 and €2,000 examples show transfer quotes, with your own remaining allowance affecting the price of the conversion.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / GBP	£419.80	€0.40	0.8403	0.47%	Within minutes	Bank transfer
EUR / INR	₹52,991.05	€0.40	106.0670	0.53%	Within minutes	Bank transfer
EUR / MAD	MAD 5,385.87	€2.80	10.8324	1.60%	Within a week	Bank transfer
EUR / PHP	₱35,140.47	€0.40	70.3372	0.66%	Within minutes	Bank transfer
EUR / PLN	zł 2,172.30	€0.70	4.3507	0.46%	Within minutes	Bank transfer
EUR / TRY	₺27,494.28	€1.95	55.2039	0.72%	Within minutes	Bank transfer
EUR / USD	$558.10	€0.85	1.1181	0.45%	Within a week	Bank transfer

Last updated at 16/10/2026

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Revolut is worth it	Find an alternative
Keep travel money beside everyday spending	You often exchange on weekends
Send instantly to another Revolut user	Your recipient needs cash collection
Manage recurring payments and card controls	You need a staffed cash-funding option

Remitly

Remitly combines Dutch-bank funding with family receiving choices


Available on	iOS and Android
App store rating	4.8/5 (27k+ ratings)
Google play rating	4.7/5 (1.6m+ reviews)

Remitly suits you when the family receiving partner is more important than having another account for travel spending.

You can fund through iDEAL|Wero, or use eligible debit or credit cards, Apple Pay and Google Pay.

The app takes you through the destination and receiving method, recipient details and finished quote before you authorise the payment.

Bank deposits, cash collection and supported local receiving options let you choose around what the recipient can access.

They do not need a Remitly account, while you can follow the transfer from its home-screen status.

I suggest choosing the receiving partner around their location, especially when collecting cash would otherwise involve an expensive trip.

The transfer fee and exchange-rate margin change with the route, funding and delivery choices, with no mandatory sending subscription.

A card issuer can add a charge, and first-transfer promotions should be separated from the cost of repeat support.

For €500 and €2,000 payments, the table shows what remains for the recipient after the quoted transfer costs.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / GBP	£415.70	€0.00	0.8314	1.53%	Within minutes	Debit card
EUR / INR	₹53,370.00	€0.00	106.7400	-0.10%	Within a week	Debit card
EUR / MAD	MAD 5,470.00	€0.00	10.9400	0.61%	Within a week	Debit card
EUR / PHP	₱35,490.00	€0.00	70.9800	-0.25%	Within a week	Debit card
EUR / PLN	zł 2,159.30	€0.00	4.3186	1.20%	Within minutes	Debit card
EUR / TRY	₺27,985.00	€0.00	55.9700	-0.65%	Within minutes	Debit card
EUR / USD	$545.75	€0.00	1.0915	2.86%	Within minutes	Debit card

Last updated at 16/10/2026

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Remitly is worth it	Find an alternative
Authorise family payments through iDEAL	You want to hold travel currencies
Choose an accessible cash or bank partner	You need cash funding in the Netherlands
Track a payment without a recipient app account	You only want an ordinary euro bank payment

Taptap Send

Taptap Send pairs iDEAL with saved family-wallet recipients


Available on	iOS and Android
App store rating	4.7/5 (2.3k+ ratings)
Google play rating	4.7/5 (340k+ reviews)

Taptap Send is a good fit when you repeatedly pay a family member using a supported local wallet.

In the Netherlands, you can use iDEAL|Wero funding, alongside eligible debit, credit and prepaid cards.

Select a saved recipient or add someone from contacts, then review the delivery method and payment details before sending.

Transfer status and in-app help stay with the order, making it easier to find the record when your recipient asks about progress.

Bank deposits and cash delivery are also available on supported routes, rather than every destination having the same wallet options.

The price uses a sending fee, exchange-rate margin or both, with no required transfer subscription.

A wallet can charge for withdrawing cash after delivery, so the receiving balance and cash available afterwards can differ.

My suggestion is to use it for repeat support into a familiar wallet, rather than expecting an everyday spending card or full Dutch bank account.

The figures below show the rate margin and fee together for €500 and €2,000 payments into the available receiving currencies.

EUR

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
EUR / INR	₹53,255.00	€1.99	106.5100	0.12%	Minutes	Debit card
EUR / MAD	MAD 5,500.00	€0.00	11.0000	0.07%	Minutes	Debit card
EUR / PHP	₱35,000.00	€0.00	70.0000	1.14%	Minutes	Debit card
EUR / TRY	₺27,600.00	€0.00	55.2000	0.73%	Minutes	Debit card
EUR / USD	$557.50	€0.00	1.1150	0.73%	Minutes	Debit card

Last updated at 16/10/2026

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Taptap Send is worth it	Find an alternative
Fund a repeat wallet payment through iDEAL	You need to fund with cash locally
Keep family recipients and help together	You want a multi-currency debit card
Send to a supported local receiving method	You need a full Dutch bank account

ABN AMRO

ABN AMRO works when you want to keep using your bank balance


Available on	iOS and Android
App store rating	4.6/5 (478k+ ratings)
Google play rating	4.5/5 (250k+ reviews)

If you already have ABN AMRO, you can start a foreign or non-SEPA payment from its banking app and confirm it there.

Choose Meer betaalacties and Overboeken buiten SEPA, which opens the online payment environment for entering the foreign-payment details.

After completing the beneficiary and charge details, you send the instruction and authorise it using the app.

I suggest using that route for a planned payment when keeping it beside your current bank balance outweighs opening another transfer account.

The digital foreign-payment fee is €9, with an exchange-rate markup added when the bank converts currency.

Major currencies such as pounds and dollars have a 0.85% markup, while other currencies can have a higher margin.

Choosing OUR adds foreign-bank charges, and your account package remains a separate cost.

The rate shown when entering the payment is indicative, with the final exchange rate set when the bank processes it.

Activating the app uses supported identity checks or the e.dentifier alternative, rather than another transfer-service registration.

This is a bank payout option, so choose a remittance app when your family needs cash collection or a mobile-wallet deposit.

ABN AMRO is worth it	Find an alternative
Send from the ABN balance you already use	Your recipient needs cash or wallet delivery
Confirm through your familiar banking app	You need the final FX rate fixed at entry
Keep the payment beside bank records	You want to avoid the €9 sending fee

Western Union

Western Union connects app tracking with cash funding


Available on	iOS and Android
App store rating	4.7/5 (10k+ ratings)
Google play rating	4.6/5 (11k+ reviews)

I think Western Union is a good fit when you want to prepare the transfer on your phone and complete cash funding at an agent.

The app can save receivers from your contacts, repeat earlier transfers and show the status of your orders together.

Remote Dutch funding also includes eligible bank or card payments, iDEAL|Wero and Apple Pay in the app.

You can select cash collection, a bank deposit or an activated supported wallet according to the destination.

Keep the MTCN tracking number available, particularly when the recipient needs it alongside identification to collect cash.

Western Union charges a transfer fee and earns through its exchange rate, with online and counter orders potentially priced differently.

There is no mandatory app subscription, but card issuers can add their own charge and cash collection depends on agent hours.

My suggestion is to choose the receiving location before paying, so the recipient can reach it without losing the saving to travel costs.

Western Union is worth it	Find an alternative
Prepare and follow a cash-funded order	You want to hold several spending currencies
Use iDEAL for eligible receiving routes	You only need a euro SEPA transfer
Your recipient needs a cash location	You need cash collection outside agent hours

TransferGo

TransferGo lets you manage a planned bank or card payout


Available on	iOS and Android
App store rating	4.9/5 (390+ ratings)
Google play rating	4.3/5 (47k+ reviews)

TransferGo suits a planned order when you want an eligible bank or recipient-card payout and can fund it using the supplied reference.

The app calculator gives the fee, rate and arrival estimate before you choose the offered funding and receiving methods.

For bank funding, use an account in your own name and include the reference that matches the payment to the order.

Eligible card funding provides another option, while bank, card or wallet delivery depends on the route.

Transactions keeps the status available, with optional delivery updates helping you follow when the payment is completed.

The price changes with the amount, funding method and arrival option, so faster delivery can change the full cost.

My suggestion is to choose around the recipient's receiving method and payment deadline, rather than paying for the fastest option automatically.

TransferGo is worth it	Find an alternative
You can fund with the order reference	You need staff to take cash funding
You want an eligible recipient-card payout	You want a Dutch travel-card account
Keep arrival estimates and status together	You require iDEAL on every payment

Xe

Xe puts rate monitoring beside your overseas bank payment


Available on	iOS and Android
App store rating	4.7/5 (6.2k+ ratings)
Google play rating	4.3/5 (400k+ reviews)

Xe is a fit when you want charts and rate alerts before arranging a payment into a foreign bank account.

The app also handles transfer setup and tracking, with biometric access and in-app support beside the currency tools.

Alerts use reference rates, while the transfer quote shows the rate available for sending your money.

I suggest using an alert to review the payment, without treating it as a guarantee of the best conversion day.

You can fund eligible European transfers by bank or debit or credit card, while prepaid cards are excluded.

First-time card access can be restricted, and the payment quote determines which funding choices are available.

The cost includes any transfer fee and exchange-rate margin, with a separate charge possible from your card issuer.

My suggestion is to choose another app for an everyday multi-currency debit card, cash funding or a specifically iDEAL-funded payment.

Xe is worth it	Find an alternative
Watch a currency before a bank transfer	You need an everyday currency debit card
Track payments beside rate tools	You want to fund with a prepaid card
Pay into a recipient bank account	You require iDEAL funding

Cheapest apps for sending from the Netherlands

I suggest comparing the amount received for your destination after choosing how to fund and how the recipient receives money.

The cheapest way to send money abroad can change between an iDEAL-funded order, a card payment and an existing bank balance.

The quotes below cover eight destinations at €500 and €2,000, with the payment method included beside the fee and rate.

Amount€500€2,000

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.8442€1 = £0.8441

Transfer Amount €500€2,000

Instarem

Western Union

Currencies Direct

Western Union

Currencies Direct

Wise

EUR / GBP

£421.60

€0.00

0.8432

0.12%

Minutes - 24 hours

Debit card

EUR / GBP

£420.60

€0.00

0.8412

0.36%

Minutes - 2 days

Debit card

EUR / GBP

£420.00

€0.00

0.8400

0.50%

Minutes - 24 hours

Bank transfer

EUR / GBP

£1,682.40

€0.00

0.8412

0.35%

Minutes - 2 days

Debit card

EUR / GBP

£1,679.80

€0.00

0.8399

0.50%

Minutes - 24 hours

Bank transfer

EUR / GBP

£1,679.41

€10.53

0.8441

0.00%

Within minutes

Bank transfer

EUR USD

Mid Market Rate €1 = $1.1231€1 = $1.1225

Transfer Amount €500€2,000

Instarem

Currencies Direct

Revolut

Currencies Direct

Wise

EUR / USD

$560.95

€0.00

1.1219

0.11%

Minutes - 24 hours

Bank transfer

EUR / USD

$558.85

€0.00

1.1177

0.49%

Minutes - 24 hours

Bank transfer

EUR / USD

$558.10

€0.85

1.1181

0.45%

Within a week

Bank transfer

EUR / USD

$2,234.00

€0.00

1.1170

0.50%

Minutes - 24 hours

Bank transfer

EUR / USD

$2,232.97

€10.89

1.1226

0.00%

Within 3 hours

Bank transfer

EUR / USD

$2,232.40

€0.00

1.1162

0.57%

Minutes - 24 hours

Debit card

EUR TRY

Mid Market Rate €1 = ₺55.6048€1 = ₺55.5977

Transfer Amount €500€2,000

Western Union

Remitly

Instarem

Remitly

Wise

OFX

EUR / TRY

₺28,181.74

€0.00

56.3635

-1.36%

Minutes - 2 days

Debit card

EUR / TRY

₺27,985.00

€0.00

55.9700

-0.65%

Within minutes

Debit card

EUR / TRY

₺27,731.00

€0.00

55.4620

0.26%

Minutes - 24 hours

Debit card

EUR / TRY

₺110,620.00

€0.00

55.3100

0.52%

Within minutes

Debit card

EUR / TRY

₺110,549.17

€11.28

55.5881

0.02%

Within minutes

Bank transfer

EUR / TRY

₺110,472.57

€0.00

55.2363

0.65%

Minutes - 24 hours

Bank transfer

EUR MAD

Mid Market Rate €1 = MAD 11.0072€1 = MAD 11.0062

Transfer Amount €500€2,000

Western Union

TapTap Send

Remitly

TapTap Send

OFX

WorldRemit

EUR / MAD

MAD 5,513.41

€0.00

11.0268

-0.18%

Minutes - 2 days

Debit card

EUR / MAD

MAD 5,500.00

€0.00

11.0000

0.07%

Minutes

Debit card

EUR / MAD

MAD 5,470.00

€0.00

10.9400

0.61%

Within a week

Debit card

EUR / MAD

MAD 22,000.00

€0.00

11.0000

0.06%

Minutes

Debit card

EUR / MAD

MAD 21,869.39

€0.00

10.9347

0.65%

Minutes - 24 hours

Bank transfer

EUR / MAD

MAD 21,700.93

€1.99

10.8613

1.33%

Minutes - 2 days

Debit card

EUR SRD

Mid Market Rate €1 = $42.28€1 = $42.2492

Transfer Amount €500€2,000

Wise

Wise

EUR / SRD

$19,602.10

€35.59

42.2086

0.17%

Within a week

Bank transfer

EUR / SRD

$79,321.28

€119.56

42.1823

0.16%

Within a week

Bank transfer

EUR INR

Mid Market Rate €1 = ₹106.6349€1 = ₹106.6349

Transfer Amount €500€2,000

Profee

Remitly

TapTap Send

Profee

TapTap Send

Western Union

EUR / INR

₹53,776.00

€0.00

107.5520

-0.86%

Minutes - 24 hours

Debit card

EUR / INR

₹53,370.00

€0.00

106.7400

-0.10%

Within a week

Debit card

EUR / INR

₹53,255.00

€1.99

106.5100

0.12%

Minutes

Debit card

EUR / INR

₹214,890.67

€0.00

107.4453

-0.76%

Minutes - 24 hours

Debit card

EUR / INR

₹213,020.00

€1.99

106.5100

0.12%

Minutes

Debit card

EUR / INR

₹212,370.00

€0.00

106.1848

0.42%

Minutes - 2 days

Debit card

EUR PHP

Mid Market Rate €1 = ₱70.8011€1 = ₱70.7068

Transfer Amount €500€2,000

Western Union

Remitly

Instarem

CurrencyFair

OFX

EUR / PHP

₱35,961.39

€0.00

71.9228

-1.57%

Minutes - 2 days

Debit card

EUR / PHP

₱35,490.00

€0.00

70.9800

-0.25%

Within a week

Debit card

EUR / PHP

₱35,336.15

€0.00

70.6723

0.18%

Minutes - 24 hours

Debit card

EUR / PHP

₱140,663.20

€0.00

70.3316

0.53%

Minutes - 24 hours

Debit card

EUR / PHP

₱140,560.00

€1.13

70.3200

0.55%

Minutes - 24 hours

Bank transfer

EUR / PHP

₱140,494.38

€0.00

70.2472

0.65%

Minutes - 24 hours

Bank transfer

EUR PLN

Mid Market Rate €1 = zł 4.3706€1 = zł 4.3706

Transfer Amount €500€2,000

Revolut

Currencies Direct

OFX

Wise

Currencies Direct

EUR / PLN

zł 2,172.30

€0.70

4.3507

0.46%

Within minutes

Bank transfer

EUR / PLN

zł 2,172.20

€0.00

4.3444

0.60%

Minutes - 24 hours

Bank transfer

EUR / PLN

zł 2,171.08

€0.00

4.3422

0.65%

Minutes - 24 hours

Bank transfer

EUR / PLN

zł 8,701.60

€0.00

4.3508

0.45%

Minutes - 24 hours

Debit card

EUR / PLN

zł 8,691.94

€11.18

4.3704

0.00%

Within a week

Bank transfer

EUR / PLN

zł 8,688.80

€0.00

4.3444

0.60%

Minutes - 24 hours

Bank transfer

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Paying with iDEAL does not decide the receiving method

With Wise, Remitly, Taptap Send or Western Union, iDEAL can authorise funding through your Dutch bank for an eligible order.

The app still needs the recipient's bank, wallet or collection details, and funding confirmation is separate from overseas arrival.

For a payment to Suriname, Morocco or Turkey, start with the receiving account or local access rather than the familiar Dutch payment button.

I suggest keeping the app's receipt after authorising through the bank, since that record identifies the actual international transfer.

When your banking app or a payment request is enough

For a euro payment to another SEPA bank account, your current banking app can cover the task without currency conversion.

Tikkie and other local payment requests solve a different task from converting euros for a foreign bank account or mobile wallet.

You do not need a multi-currency account simply because the recipient's euro account is in another country.

For a large foreign payment, international money transfer services also include brokers with support beyond the phone interface.

My suggestion is to assess the converted amount and help available for that payment, rather than choosing solely on the app's rating.

How to send money abroad from your phone

Confirm the recipient's receiving details

Choose the account, wallet or collection method first, with the correct recipient name and details for the payment.

Complete the required identity checks, or use your activated banking app when the existing account already supports the transfer.

Fund and review the finished quote

Select the offered bank, card or iDEAL method, then check the recipient amount, fee, exchange rate and arrival estimate.

Authorise and keep the transfer record

Complete the payment authorisation and save the app receipt, then use its status or tracking number to follow progress.

Enter your destination and EUR amount below to compare available transfer prices from the Netherlands before choosing how to send.

Our methodology & why trust us

I assessed apps available for Dutch outbound payments by their mobile functions, local funding routes, receiving methods and full costs.

Our live EUR corridor results helped check sending options, with separate official research into eligibility, app features and regulated entities.

The selection includes bunq and ABN AMRO because sending from an existing banking balance differs from funding a separate remittance order.

Our review process explains how we assess companies and transfer options.

Sources

Best multi-currency accounts

Choose around the currencies you receive, the payer's payment method and whether you need to spend directly from the foreign balance.

16 Oct 2026

Mobile money transfers

A mobile wallet keeps money in an account you access through your phone, with payments and withdrawals depending on that particular service.

16 Oct 2026

Best money transfer companies

These seven services cover bank payments, family remittances and cash funding from the Netherlands.

16 Oct 2026

Best multi-currency business accounts

A multi-currency account lets you receive supported currencies, keep separate balances and use the money before deciding how much to convert into euros.

16 Oct 2026

Cheapest way to send money abroad

Compare the same euro budget and receiving currency, then confirm the funding method and arrival estimate for your payment.

16 Oct 2026

Contributors

Author

Artiom Pucinskij

Financial Content Strategist

artiom.pucinskij@intent.uk