The Best International Money Transfer Services in the Netherlands in 2026

The best companies for sending money abroad

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

Mid-market bank payments funded through iDEAL

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"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."

Flexible delivery for family payments

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

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

Smaller weekday exchanges for existing users

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"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.

Payments to supported mobile wallets

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

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

Payments to eligible bank cards

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

Visit

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

Cash funding at a participating agent

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Larger overseas bank payments with support

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

Visit

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

My reviews of the money transfer services

Wise

Mid-market bank payments funded through iDEAL

I'd say consider Wise for bank payments combining the mid-market rate with iDEAL funding from a Dutch account, provided its final quote suits your payment.

Its mid-market exchange rate and separate transfer fee make the bank-funded quote easier to compare with a Dutch bank's currency conversion.

You can fund a euro transfer through iDEAL from a Dutch bank account, alongside other eligible payment methods.

The iDEAL limit is €50,000 per transfer, but the funding time changes with the amount you send.

Payments below €3,000 reach Wise instantly, while larger payments can take one or two working days before Wise processes the onward transfer.

That distinction is important for a payment deadline, since quick funding does not guarantee equally quick delivery to the recipient.

I'd say compare bank funding with iDEAL and card funding before paying, because the payment method can change the total fee.

Wise suits bank-account recipients, while a family member who needs cash collection or a particular mobile wallet may need another service.

The destination, checks and funding method determine the delivery estimate, so use the quote for your payment rather than a general speed claim.

Remitly

For letting family choose how they receive money

Remitly suits a recipient who needs cash collection or bank delivery, with the available options determined by the receiving country.

Dutch senders can pay through iDEAL/Wero, cards or eligible mobile-payment options, so a credit card is not necessary for every transfer.

I suggest choosing the receiving method first, then comparing the cost and delivery estimate for that exact combination.

A cash collection quote can differ from a bank deposit even when you send the same euro amount to the same country.

Some routes offer Express and Economy choices, allowing you to compare the price of a quicker payment with a less urgent transfer.

The estimate still depends on funding, transaction checks and the receiving system, so do not promise your family a fixed arrival time before confirmation.

Remitly's first-transfer offers can reduce the cost of trying the service, but they do not establish the price of your next payment.

Check the normal exchange rate as well as the fee when deciding where to send regular family support.

For an ordinary euro payment within SEPA, I suggest checking your existing Dutch bank before adding a separate remittance service.

Revolut

For existing users making smaller weekday exchanges

Revolut is a good fit when you already use the account and have part of your monthly exchange allowance left.

Standard includes €1,000 of monthly exchanges before its excess fee applies, which can reduce the conversion charge on smaller weekday payments.

I like it for payments to another Revolut user or eligible euro SEPA transfers, where the transfer itself is free.

Other international bank payments can carry a separate sending fee, so the exchange allowance alone does not establish the complete cost.

Revolut uses its own exchange rate, which you should compare with the amount another service would deliver after all charges.

Dutch Standard pricing applies a 1% fee to exchanges above the allowance and a separate 1% weekend exchange fee.

That makes the timing and your earlier monthly exchanges relevant, even if this particular transfer looks small enough to fit the allowance.

The Dutch account is offered through Revolut Bank UAB's Netherlands branch, with eligible deposits covered by Lithuania's deposit-insurance scheme.

It suits bank payments from an account you already have, while a recipient who needs cash collection requires another option.

Taptap Send

For family transfers to a supported mobile wallet

I like Taptap Send when the recipient already uses one of its supported mobile wallets and wants the money there directly.

Dutch iDEAL funding lets you pay through your bank, avoiding the need to obtain a separate card just for these transfers.

Bank deposits and cash collection are also available on selected routes, so check the receiving options for your family's country.

The app focuses on remittance destinations, which gives it a different role from a service used for general overseas bank payments.

For most markets, the cost sits in the exchange-rate margin without a separate transfer fee, while some destinations have a fixed charge.

A transfer labelled without a fee still needs comparing by the final amount the recipient gets, particularly for repeated monthly support.

If the recipient will withdraw money from a mobile wallet, check whether that wallet charges separately for taking out cash.

Those local charges can change which receiving method gives your family more money to spend.

Taptap Send's European service is regulated through its Belgian payment institution, and verification or receiving limits can affect the payment you arrange.

TransferGo

Payments to an eligible bank card

TransferGo supports payments to eligible bank cards as well as bank accounts, giving you another way to reach a recipient where that option is available.

I'd say consider it when card delivery fits the recipient, then check whether the available funding method and delivery time justify the total cost.

Its pricing includes an exchange-rate margin and payment-method charges, so compare the amount delivered rather than relying on a low headline fee.

A card-funded payment can cost differently from one funded through a bank transfer, even when the recipient and amount stay the same.

Delivery options depend on the route, and an estimate for a faster service still requires funding and any necessary verification to be completed.

Bank holidays can also affect the standard delivery option, making the date you arrange the transfer relevant to the recipient's deadline.

TransferGo offers bank or card delivery where supported, but you should confirm the receiving method before assuming it covers your recipient's account.

Its EU personal service is provided by UAB TransferGo Lithuania, a licensed electronic-money institution, with customer funds safeguarded separately.

My suggestion is to compare it alongside the other available quotes, without treating one positive route or occasional promotion as proof of lower prices everywhere.

Western Union

Pay cash at a participating sending agent

Western Union suits a sender who wants to pay at an agent or a recipient who needs to collect cash.

You can also arrange a transfer online from the Netherlands and use iDEAL/Wero or another available funding method instead of visiting an agent.

The service offers bank deposits and selected mobile-wallet payments, although cash access is why I suggest considering it over a bank-payment app.

For an agent-funded payment, confirm the opening hours and accepted identification before setting aside time to visit.

The recipient needs the correct collection details, including the tracking number and a name that matches their identification.

Cash availability depends on the receiving location, its hours and any checks, so a general claim of delivery in minutes is not a guarantee.

I'd say compare the online and agent quotes separately, because the same amount and destination can have different prices through each channel.

Western Union earns money from currency conversion as well as charging transfer fees, which means a low fee alone does not establish a low total cost.

Its Dutch online service is provided by the Austrian-regulated Western Union International Bank, with the available payout options set by the destination.

Currencies Direct

For larger bank payments with an account manager

Currencies Direct suits a larger overseas bank payment when you want an account manager to help with the payment details and timing.

I'd say consider it for a property payment or another substantial transfer, where discussing the process can be more valuable than choosing solely from an app quote.

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.8442

Transfer Amount €25,000

1

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£21,000.00

€0.00

0.8400

0.50%

Minutes - 24 hours

Bank transfer

Visit

EUR USD

Mid Market Rate €1 = $1.1225

Transfer Amount €25,000

1

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$27,927.50

€0.00

1.1171

0.49%

Minutes - 24 hours

Bank transfer

Visit

You can arrange payments online, through the app or by phone, with euro funding through the supported bank-payment instructions.

That gives you a way to discuss the transfer before sending a large sum, rather than relying entirely on the smallest headline sending fee.

Currencies Direct does not charge its own separate transfer fee, but the exchange-rate margin still contributes to the total cost.

Ask how much will reach the receiving bank and whether any charges outside Currencies Direct could reduce that amount.

My suggestion is to compare that final quote with a bank-funded app transfer using the same euro amount and receiving currency.

The account manager does not make the exchange rate automatically better, and a small transfer may not need this level of assistance.

Its EU service is provided by Currencies Direct Spain, an electronic-money institution authorised by the Bank of Spain, rather than a Dutch bank.

Compare quotes for a €1,000 payment

These current quotes cover six destinations, with the receiving currency kept alongside the amount after fees so you can assess a matching payment.

Last updated at 16/10/2026

EUR GBP

Mid Market Rate €1 = £0.8442

Transfer Amount €1,000

1

Instarem

2

Revolut

3

Western Union

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GBP

£843.00

€0.00

0.8430

0.14%

Minutes - 24 hours

Debit card

Visit

EUR / GBP

£841.28

€0.40

0.8416

0.31%

Within minutes

Bank transfer

Visit

EUR / GBP

£841.20

€0.00

0.8412

0.36%

Minutes - 2 days

Debit card

Visit

EUR USD

Mid Market Rate €1 = $1.1232

Transfer Amount €1,000

1

Revolut

2

Currencies Direct

3

Wise

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / USD

$1,118.76

€0.85

1.1197

0.31%

Within a week

Bank transfer

Visit

EUR / USD

$1,117.50

€0.00

1.1175

0.51%

Minutes - 24 hours

Bank transfer

Visit

EUR / USD

$1,116.13

€6.21

1.1231

0.01%

Within 3 hours

Bank transfer

Visit

EUR PLN

Mid Market Rate €1 = zł 4.3702

Transfer Amount €1,000

1

Revolut

2

Xe

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / PLN

zł 4,354.25

€0.70

4.3573

0.30%

Within minutes

Bank transfer

Visit

EUR / PLN

zł 4,350.80

€0.00

4.3508

0.44%

Minutes - 24 hours

Debit card

Visit

EUR / PLN

zł 4,344.30

€0.00

4.3443

0.59%

Minutes - 24 hours

Bank transfer

Visit

EUR TRY

Mid Market Rate €1 = ₺55.6184

Transfer Amount €1,000

1

Remitly

2

Currencies Direct

3

OFX

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / TRY

₺55,800.00

€0.00

55.8000

-0.33%

Within minutes

Debit card

Visit

EUR / TRY

₺55,271.00

€0.00

55.2710

0.63%

Minutes - 24 hours

Bank transfer

Visit

EUR / TRY

₺55,256.83

€0.00

55.2568

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR MAD

Mid Market Rate €1 = MAD 11.0021

Transfer Amount €1,000

1

TapTap Send

2

OFX

3

Remitly

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / MAD

MAD 11,000.00

€0.00

11.0000

0.02%

Minutes

Debit card

Visit

EUR / MAD

MAD 10,930.62

€0.00

10.9306

0.65%

Minutes - 24 hours

Bank transfer

Visit

EUR / MAD

MAD 10,930.00

€0.00

10.9300

0.66%

Within a week

Debit card

Visit

EUR GHS

Mid Market Rate €1 = GH₵13.0621

Transfer Amount €1,000

1

Western Union

2

TapTap Send

3

Xe

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

EUR / GHS

GH₵13,002.82

€0.00

13.0028

0.46%

Minutes - 2 days

Debit card

Visit

EUR / GHS

GH₵13,002.80

€0.00

13.0028

0.46%

Minutes

Debit card

Visit

EUR / GHS

GH₵12,982.00

€0.00

12.9820

0.62%

Minutes - 24 hours

Debit card

Visit

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Choose how the money should arrive

A euro payment can be simpler than currency conversion

For a euro payment to an eligible SEPA account, I suggest checking your existing bank before opening a separate transfer account.

ABN AMRO supports euro transfers within SEPA, while a payment in another currency or outside that area uses its international-transfer service.

Sending money to an EU country does not automatically mean paying in euros, particularly when the recipient wants Polish zloty rather than a euro balance.

Agree the receiving currency before sending, so a second conversion at the recipient's bank does not change the price you expected.

Match family payments to the receiving method

For a bank account abroad, compare services that support the required destination currency and account details, using the same euro budget.

For a recipient using mobile money or collecting cash, select that delivery method before comparing the rate and transfer fee.

The fastest bank deposit does not necessarily help someone who needs cash, particularly when collection hours or travel to an agent delay access.

I'd say check any wallet withdrawal charge, since money arriving in a wallet and cash available after withdrawal are different amounts.

Check Suriname and Caribbean bank instructions separately

For Suriname, ask whether the account expects Surinamese dollars, US dollars or euros, then select a service that supports that receiving instruction.

Curaçao and Sint Maarten use the Caribbean guilder, with currency code XCG, rather than the euro used in the Netherlands.

Aruba and the Caribbean Netherlands also have their own receiving-currency arrangements, so a shared connection with the Netherlands does not remove conversion.

For an overseas invoice, confirm whether the bill requires a specific amount and whether intermediary-bank deductions could leave the payment short.

Funding through iDEAL does not guarantee immediate delivery

Several services accept iDEAL or iDEAL/Wero funding, letting you authorise the euro payment through a supported Dutch banking app.

Funding confirmation and overseas delivery are separate stages, so a successful bank authorisation does not by itself mean the recipient can use the money.

I suggest checking the complete delivery estimate, especially when identity checks or the funding amount can change the timing of your first transfer.

Use the company's own payment instructions and your personal account details, keeping the funding reference alongside the international tracking information.

Large overseas payments need a different check

For savings, tuition or property payments, compare the total conversion cost alongside support and the documents required for the amount you plan to send.

Currencies Direct can provide a personal quote, while an online service may still offer better value when the payment does not need an account manager.

Ask the recipient's bank whether it deducts incoming charges before assuming your company's quoted payout settles an invoice in full.

If you need to keep foreign funds before paying, multi-currency accounts in the Netherlands covers balances and receiving details rather than only one-off transfers.

How to send money abroad from the Netherlands

Find an option for your destination

For the cost decision, the cheapest ways to send money abroad from the Netherlands examines exchange rates and charges in more detail.

Use the form below for your amount and destination, then check the receiving method and local funding requirements before paying.