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 Netherlands 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 Netherlands 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 29 of the 29 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

There are 4 ways to fund your transfer, including bank transfer, debit card, iDEAL, and credit card.

The most common way is to fund your account with iDEAL (Wero).

Verify and send

First time round you'll need a photo ID and a BSN.

On a first transfer to someone new, send a small amount and check it landed.

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 Netherlands 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 the Netherlands.

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 138 comparisons
Cheapest every time
WiseAppeared in 146 comparisons
Cheapest in 5% 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 138 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 5% of its comparisons, so it's rarely the cheapest option for transfers to Spain.

Ways to send money from the Netherlands to Spain

2 companies send money from the Netherlands to Spain, across app, multi-currency account, global business account, and online, and more.

For one-off transfers

Online transfers

Sending money to Spain online is simple.

Pick Spain, enter the amount, and pay with iDEAL (Wero) or bank transfer depending who you use.

Wise is the cheapest online option, sending €7.000 gets you 6.999,05 EUR 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.

Frequent transfers abroad

Money transfer apps

For the regular transfer to Spain, apps are the easiest.

Revolut charges €0 in fees on a €7.000 transfer with 0% markup and gets you 7.000 EUR.

Over the past month, Revolut was the cheapest app on 100% of the days it appeared for €7.000 transfers.

You can pay for your transfer via bank transfer, debit card, iDEAL, and credit card but you can’t use Tikkie for deposits.

For large EUR transfers

Currency brokers

Currency brokers are the best for large transfers from the Netherlands.

They handle the transfer for you, charge no fees, but add a markup on top of EUR rate.

I suggest running a and getting a few quotes before settling.

Holding, travelling, and receiving

Multi-currency accounts

These let you hold EUR and EUR in one account.

This is handy for receiving payments, spending EUR and EUR, or travelling to Spain.

Revolut is the cheapest multi-currency account.

It converts €7.000 at 0% markup plus €0 fee and holds the EUR until you send or spend it.

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

For ZZP'ers

Global accounts

Global accounts offer business tools and business transfers from the Netherlands.

Companies like Wise Business, Airwallex, or Payoneer offer batch payments, invoicing, admin tools, and more.

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 Spain, the recipient can collect EUR through bank deposit.

You can deposit EUR using bank transfer, debit card, iDEAL, and credit card.

Paying through iDEAL (Wero)

Choose iDEAL (Wero) during the transfer, select your Dutch bank and approve the pre-filled payment.

This funds your balance without entering the company's account details manually.

To find the company with the best EUR/EUR rate offering iDEAL (Wero), use our deposit filter above.

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 Netherlands to Spain

A few things to consider before sending money from the Netherlands to Spain.

Compare your transfer options

Cheapest way to send money to Spain

The cheapest option for a €7.000 transfer is Revolut, funded through 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 in Spain. Your recipient gets 7.000 EUR in within minutes.

iDEAL is becoming Wero

iDEAL remains the normal way to approve an online payment from a Dutch bank account.

Since 2026, the name and payment experience have been moving to Wero in stages.

Sending gifts can trigger Dutch gift tax

Dutch rules treat a gift to someone abroad in the same way as a gift to someone in the Netherlands.

For 2026, the annual exemption is €6,908 when parents give to a child and €2,769 for most other recipients.

The recipient normally files the return if the total from the same donor exceeds the exemption.

The Belastingdienst explains gifts abroad and publishes the current exemptions.

Regularly paying a genuine shared expense is not automatically the same as making a gift, but keep records showing what the payment covered.

How we analyse the market

We track 2 companies sending EUR to Spain, all registered with De Nederlandsche Bank or passported in, and the rates update in real time on live searches.

We compare fees, exchange rates and how the money can be paid in and collected.

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.

Each company goes through our review before it appears here.

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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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	–	–	–	–

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	1.0000	€0.00	€7,000.00	–
Wise	1.0000	€0.95	€6,999.05	–

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

Best companies for EUR/EUR transfers