Best companies for USD/EUR transfers
9 of 9 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $27.22 1 USD = 0.8907 EUR -0.01% vs mid-market	Recipient gets €6,210.72 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8907 EUR €6,210.72You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 0.8896 EUR +0.12% vs mid-market	Recipient gets €6,227.20 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Bulgaria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8896 EUR €6,227.20You pay$7,000.00
Run a live search Showing top United States to Bulgaria deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Bulgaria.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Xe Pay via Bank transfer	Fee $0.00 1 USD = 0.8896 EUR +0.12% vs mid-market	Recipient gets €6,227.20 Minutes - 24 hours
4 reviews Cheapest Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Bulgaria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8896 EUR €6,227.20You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 0.8882 EUR +0.27% vs mid-market	Recipient gets €6,217.72 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Bulgaria with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8882 EUR €6,217.72You pay$7,000.00
Wise Pay via Bank transfer	Fee $27.22 1 USD = 0.8907 EUR -0.01% vs mid-market	Recipient gets €6,210.72 Within minutes
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Bulgaria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8907 EUR €6,210.72You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 0.8862 EUR +0.50% vs mid-market	Recipient gets €6,203.38 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Bulgaria with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8862 EUR €6,203.38You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 0.8896 EUR +0.12% vs mid-market	Recipient gets €6,196.06 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Bulgaria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 0.8896 EUR €6,196.06You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $1.99 1 USD = 0.8846 EUR +0.68% vs mid-market	Recipient gets €6,192.20 Minutes - 24 hours
2 reviews
Ways to receive money in Bulgaria with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.8846 EUR €6,192.20You pay$7,001.99 Cash pickupMinutes - 24 hours $277.001 USD = 0.8757 EUR €6,129.90You pay$7,277.00

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $1.99 1 USD = 0.8846 EUR +0.68% vs mid-market	Recipient gets €6,192.20 Minutes - 24 hours
2 reviews
Ways to receive money in Bulgaria with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.8846 EUR €6,192.20You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 0.8757 EUR €6,129.90You pay$7,075.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 0.8846 EUR +0.68% vs mid-market	Recipient gets €6,192.20 Minutes - 24 hours
2 reviews
Ways to receive money in Bulgaria with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 0.8846 EUR €6,192.20You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 0.8757 EUR €6,129.90You pay$7,179.99
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 0.8897 EUR +0.11% vs mid-market	Recipient gets €6,191.81 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Bulgaria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 0.8897 EUR €6,191.81You 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.
Moneycorp Pay via Bank transfer	Fee $0.00 1 USD = 0.8782 EUR +1.40% vs mid-market	Recipient gets €6,147.27 Minutes - 2 days
0 reviews
Ways to receive money in Bulgaria with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 0.8782 EUR €6,147.27You pay$7,000.00
Chase Pay via Bank transfer	Fee $0.00 1 USD = 0.8736 EUR +1.93% vs mid-market	Recipient gets €6,115.23
0 reviews
Ways to receive money in Bulgaria with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.8736 EUR €6,115.23You pay$7,000.00
Wells Fargo Pay via Bank transfer	Fee $0.00 1 USD = 0.8682 EUR +2.55% vs mid-market	Recipient gets €6,077.47
0 reviews
Ways to receive money in Bulgaria with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.8682 EUR €6,077.47You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 0.8896 EUR +0.12% vs mid-market	Recipient gets €6,040.38 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Bulgaria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 0.8896 EUR €6,040.38You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 0.8578 EUR +3.76% vs mid-market	Recipient gets €6,004.60 Minutes - 24 hours
2 reviews
Ways to receive money in Bulgaria with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 0.8578 EUR €6,004.60You pay$7,060.79
How Our Results Work Mid-market rate: 1 USD = 0.8907 EUR Updates every 60 minutes.

Why compare

USD/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Bulgaria

Pick a company

If you're sending a one-off transfer, then Xe is the best option.

Xe was the cheapest on 6 of the 30 days it quoted $7,000 transfers to Bulgaria.

For recurring transfers, I'd suggest using an app like Xe or a multi-currency account.

For large transfers, a broker like Xe is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Bulgaria, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Bulgaria?

How much USD you send to Bulgaria 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 25% of the transfers from $5,000 it quoted, and in 22% of all the transfers it quoted.


$500	-1.50%	$0.99	€452.05with bank transfer to bank deposit	+€29.31
$2,000	-0.01%	$0.99	€1,781.40with remitly wallet to bank deposit	+€41.99
$5,000	0.15%	$0.00	€4,446.50with bank transfer to bank deposit	+€43.05
$7,000This page	0.12%	$0.00	€6,227.20with bank transfer to bank deposit	+€69.45
$10,000	0.27%	$0.00	€8,875.17with bank transfer to bank deposit	+€88.98
$50,000	0.11%	$0.00	€44,440.00with bank transfer to bank deposit	+€371.58
$100,000	0.20%	$0.00	€88,793.06with bank transfer to bank deposit	+€698.40
$250,000	0.14%	$0.00	€222,325.00with bank transfer to bank deposit	+€1,859.60

Mid-market rate: 1 USD = 0.8907 EUR

USD/EUR Exchange Rate History

Is today a good time to send money from US to Bulgaria?

The cheapest way to send USD 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 Xe), across 30 days of comparisons for 7,000 USD transfers to Bulgaria.

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. The bank line is the cheapest bank available on each day.

Understanding USD/EUR exchange rate

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 USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.

Right now, Xe pays 6,227.20 EUR on 7,000 USD, which is 7.35 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,277.47 EUR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 Bulgaria.

We've tracked 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

XeAppeared in 205 comparisons
Cheapest in 22% of them
Regency FXAppeared in 146 comparisons
Cheapest in 56% of them
WiseAppeared in 235 comparisons
Cheapest in 13% of them
ChaseAppeared in 239 comparisons
Never the cheapest

Based on 240 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze 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 EUR, but it was the cheapest in only 22% of the 205 comparisons it appeared in over the past month.

Regency FX (today's second cheapest) was the cheapest in 56% of its comparisons, so if you send money to Bulgaria regularly, it's worth comparing it with Xe before each transfer.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from the US to Bulgaria

There are 9 companies available for sending money from the US to Bulgaria, across online, app, currency broker, global business account, multi-currency account, bank, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Xe charges $0 on a $7,000 transfer with 0.12% markup, saves your recipient's details for next time, and EUR arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 20% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 6,192.20 EUR in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Bulgaria.

Of all online companies listed here, Xe gets you the most EUR per USD.

On a $7,000 transfer, you will get 6,227.20 EUR after a $0 fee and 0.12% markup.

In our comparisons over the past month, it was the cheapest online service on 6 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Bulgaria (e.g. a property purchase, tuition, or moving to Bulgaria), a broker like Xe charges no fee, gives you a dedicated account manager, and adds 0.12% markup on USD/EUR that gets lower the more you send.

Our analysis shows Xe was the cheapest broker in 37% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

Only if you have to

Banks

Wiring money abroad from your bank is the most expensive option.

On a $7,000 transfer, a bank like Chase gets your recipient 6,115.23 EUR, against 6,227.20 EUR with Xe (the overall cheapest option).

We found Chase was the cheapest bank on 30 of the 30 days it appeared for this amount.

The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving EUR.

This is useful for traveling to Bulgaria, building up EUR balance, or receiving payments in EUR.

Wise converts $7,000 at -0.01% markup plus small fee and holds the EUR until you spend it.

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

Ways to fund USD and receive EUR in Bulgaria

With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 6,227.20 EUR.

Our data shows that Xe gets your recipient 111.97 EUR more than Chase, today's cheapest bank, on the same $7,000.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Bulgaria.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 6,192.20 EUR on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to Bulgaria.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Bulgaria can collect EUR through bank deposit and cash pickup.

They can collect cash in Bulgaria

Your recipient can collect EUR from a participating MoneyGram location in Bulgaria.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

€6,227

Cheapest
2

Debit card Bank deposit

You pay $7,000.00

€6,196

-€31
3

Credit card Bank deposit

You pay $7,177.99

€6,192

-€35
4

Bank transfer Cash pickup

You pay $7,277.00

€6,130

-€97
5

Debit card Cash pickup

You pay $7,075.99

€6,130

-€97

Show moreShow less

6

Credit card Cash pickup

You pay $7,179.99

€6,130

-€97
7

Cash deposit Cash pickup

You pay $7,060.79

€6,005

-€223

Things to consider before sending USD to Bulgaria

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/EUR company

Cheapest way to send money to Bulgaria

The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,227.20 EUR, which is 0.15% more than the next best option.

Fastest way to send money to Bulgaria

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,191.81 EUR, with the money arriving in within minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Bulgaria?

For transfers over $10,000, Xe is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Bulgaria.

While Xe may not always be the cheapest or fastest way to send EUR, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Bulgaria and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 240 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/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.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

Send money to Bulgaria

Send money from United Kingdom to Bulgaria Send money from Spain to Bulgaria Send money from Poland to Bulgaria Send money from Australia to Bulgaria Send money from India to Bulgaria Send money from Canada to Bulgaria Send money from Israel to Bulgaria Send money from Turkey to Bulgaria Send money from Switzerland to Bulgaria

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8922	–	€6,245.75
Regency FX Cheapest	0.8898	$0.00	€6,228.89	−€16.86
Wise	0.8924	$27.22	€6,222.36	−€23.39
Xe	0.8883	$0.00	€6,218.10	−€27.65
Chase	0.8709	$0.00	€6,096.22	−€149.53

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8935	–	€6,254.37
Regency FX Cheapest	0.8911	$0.00	€6,237.48	−€16.89
Wise	0.8935	$27.22	€6,230.42	−€23.95
Xe	0.8894	$0.00	€6,225.80	−€28.57
Chase	0.8714	$0.00	€6,099.77	−€154.60

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8925	–	€6,247.64
Regency FX Cheapest	0.8901	$0.00	€6,230.77	−€16.87
Wise	0.8926	$27.22	€6,224.03	−€23.61
Xe	0.8885	$0.00	€6,219.50	−€28.14
Chase	0.8707	$0.00	€6,095.25	−€152.39

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8916	–	€6,241.19
Regency FX Cheapest	0.8892	$0.00	€6,224.33	−€16.86
Wise	0.8916	$27.22	€6,217.09	−€24.10
Xe	0.8874	$0.00	€6,211.80	−€29.39
Chase	0.8707	$0.00	€6,095.25	−€145.94

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8896	–	€6,227.19
Regency FX Cheapest	0.8872	$0.00	€6,210.38	−€16.81
Wise	0.8895	$27.22	€6,202.16	−€25.03
Xe	0.8857	$0.00	€6,199.90	−€27.29
Chase	0.8683	$0.00	€6,078.43	−€148.76

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8899	–	€6,229.33
Regency FX Cheapest	0.8875	$0.00	€6,212.51	−€16.82
Wise	0.8898	$27.22	€6,204.37	−€24.96
Xe	0.8796	$0.00	€6,157.20	−€72.13
Chase	0.8678	$0.00	€6,074.87	−€154.46

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8920	–	€6,244.03
Regency FX Cheapest	0.8896	$0.00	€6,227.17	−€16.86
Wise	0.8921	$27.22	€6,220.15	−€23.88
Xe	0.8879	$0.00	€6,215.30	−€28.73
Chase	0.8700	$0.00	€6,090.32	−€153.71

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8902	–	€6,231.61
Regency FX Cheapest	0.8878	$0.00	€6,214.78	−€16.83
Wise	0.8903	$27.22	€6,207.68	−€23.93
Xe	0.8861	$0.00	€6,202.70	−€28.91
Chase	0.8700	$0.00	€6,090.32	−€141.29

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8908	–	€6,235.58
Regency FX Cheapest	0.8884	$0.00	€6,218.74	−€16.84
Wise	0.8909	$27.22	€6,212.38	−€23.20
Xe	0.8868	$0.00	€6,207.60	−€27.98
Chase	0.8688	$0.00	€6,081.70	−€153.88

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8898	–	€6,228.62
Regency FX Cheapest	0.8874	$0.00	€6,211.80	−€16.82
Wise	0.8899	$27.22	€6,205.20	−€23.42
Xe	0.8859	$0.00	€6,201.30	−€27.32
Chase	0.8670	$0.00	€6,069.26	−€159.36

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8929	–	€6,250.02
Regency FX Cheapest	0.8904	$0.00	€6,233.14	−€16.88
Wise	0.8929	$27.22	€6,225.97	−€24.05
Xe	0.8889	$0.00	€6,222.30	−€27.72
Chase	0.8703	$0.00	€6,092.29	−€157.73

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8927	–	€6,248.69
Regency FX Cheapest	0.8903	$0.00	€6,231.82	−€16.87
Wise	0.8926	$27.22	€6,223.75	−€24.94
Xe	0.8824	$0.00	€6,176.80	−€71.89
Chase	0.8708	$0.00	€6,095.60	−€153.09

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8925	–	€6,247.50
Regency FX Cheapest	0.8901	$0.00	€6,230.63	−€16.87
Wise	0.8925	$27.22	€6,222.92	−€24.58
Xe	0.8884	$0.00	€6,218.80	−€28.70
Chase	0.8708	$0.00	€6,095.60	−€151.90

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8961	–	€6,272.56
Xe Cheapest	0.8950	$0.00	€6,265.00	−€7.56
Regency FX	0.8937	$0.00	€6,255.62	−€16.94
Wise	0.8961	$27.22	€6,248.01	−€24.55
Chase	0.8741	$0.00	€6,118.81	−€153.75

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8992	–	€6,294.47
Regency FX Cheapest	0.8968	$0.00	€6,277.47	−€17.00
Wise	0.8992	$27.22	€6,269.92	−€24.55
Xe	0.8950	$0.00	€6,265.00	−€29.47
Chase	0.8774	$0.00	€6,141.65	−€152.82

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8977	–	€6,284.04
Regency FX Cheapest	0.8953	$0.00	€6,267.07	−€16.97
Wise	0.8977	$27.22	€6,259.51	−€24.53
Xe	0.8935	$0.00	€6,254.50	−€29.54
Chase	0.8757	$0.00	€6,129.79	−€154.25

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.8945	$27.22	€6,236.83	–
Xe	0.8903	$0.00	€6,232.10	–
Chase	0.8725	$0.00	€6,107.59	–
Regency FX No quote collected this day	–	–	–	–

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8924	–	€6,246.83
Wise Cheapest	0.8960	$27.22	€6,247.73	+€0.90
Regency FX	0.8900	$0.00	€6,229.96	−€16.87
Xe	0.8837	$0.00	€6,185.90	−€60.93
Chase	0.8735	$0.00	€6,114.50	−€132.33

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8939	–	€6,257.09
Xe Cheapest	0.8928	$0.00	€6,249.60	−€7.49
Regency FX	0.8915	$0.00	€6,240.20	−€16.89
Wise	0.8939	$27.22	€6,232.93	−€24.16
Chase	0.8735	$0.00	€6,114.50	−€142.59

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8925	–	€6,247.78
Regency FX Cheapest	0.8901	$0.00	€6,230.91	−€16.87
Wise	0.8927	$27.22	€6,224.31	−€23.47
Xe	0.8884	$0.00	€6,218.80	−€28.98
Chase	0.8703	$0.00	€6,091.85	−€155.93

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8909	–	€6,236.29
Xe Cheapest	0.8898	$0.00	€6,228.60	−€7.69
Regency FX	0.8885	$0.00	€6,219.45	−€16.84
Wise	0.8909	$27.22	€6,212.11	−€24.18
Chase	0.8703	$0.00	€6,091.85	−€144.44

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8880	–	€6,215.72
Xe Cheapest	0.8869	$0.00	€6,208.30	−€7.42
Regency FX	0.8856	$0.00	€6,198.94	−€16.78
Wise	0.8878	$27.22	€6,190.60	−€25.12
Chase	0.8660	$0.00	€6,061.98	−€153.74

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8942	–	€6,259.75
Regency FX Cheapest	0.8918	$0.00	€6,242.85	−€16.90
Wise	0.8941	$27.22	€6,234.05	−€25.70
Xe	0.8902	$0.00	€6,231.40	−€28.35
Chase	0.8723	$0.00	€6,105.88	−€153.87

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8968	–	€6,277.63
Regency FX Cheapest	0.8944	$0.00	€6,260.68	−€16.95
Wise	0.8976	$27.22	€6,258.95	−€18.68
Xe	0.8873	$0.00	€6,211.10	−€66.53
Chase	0.8757	$0.00	€6,130.05	−€147.58

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8954	–	€6,268.08
Xe Cheapest	0.8944	$0.00	€6,260.80	−€7.28
Regency FX	0.8930	$0.00	€6,251.16	−€16.92
Wise	0.8954	$27.22	€6,243.53	−€24.55
Chase	0.8757	$0.00	€6,130.05	−€138.03

How to send money to Bulgaria from the US with the best USD-EUR rate

Best companies for USD/EUR transfers

Pick a company

Pay for it

Check and send

Understanding USD/EUR exchange rate

Is the cheapest money transfer company always the best?

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Banks

Global accounts

Multi-currency accounts

Find the right USD/EUR company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Bulgaria?

Send money to Bulgaria

Recommendations

Tools & resources

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8907	–	€6,234.55
Xe Cheapest	0.8896	$0.00	€6,227.20	−€7.35
Regency FX	0.8882	$0.00	€6,217.72	−€16.83
Wise	0.8907	$27.22	€6,210.72	−€23.83
Chase	0.8736	$0.00	€6,115.23	−€119.32