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Compare the best ways to send money to Italy

Get the best deals when you transfer money to Italy. Find the cheapest, fastest, and most reliable providers with the best EUR exchange rates.

Read on for the best EUR deals, expert information, and all you need to transfer money to Italy.

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Best money transfer companies

Send money to Italy

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"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
Sponsored

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.2% - 0.7%
Fees
None

"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."

Transfer Speed
Minutes - 5 days
Exchange Rate Markup
0.1% - 0.6%
Fees
0.3% - 1%

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.4% - 1.5%
Fees
None

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 0.6%
Fees
None

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.15% - 1.5%
Fees
None

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

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 1.3%
Fees
None

"Lumon has cared for over 69,000 customers since 2000. Get support for larger transfers from dedicated currency specialists."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
1% - 2%
Fees
None

"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 3%
Fees
None

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 2%
Fees
£/€/$3 - 5

"Fast, secure internatinal transfers with no fees and transparent rates. They offer a free currency card for use at home and abroad."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.9% - 2%
Fees
None

"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 3%
Fees
None

"Moneycorp is an established player in the market, with a focus on private clients and corporates. Make overseas payments in over 120 currencies and 190 countries."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.5% - 2%
Fees
None

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 4%
Fees
1% - 3%

We found Wise to be the best way to send money to Italy.

After testing and reviewing 21 money transfer providers servicing Italy, Wise came out on top.

Wise appeared in 96.7% of searches for EUR transfers and was rated the best option among the 21 providers that support Euro transfers.

Wise offers quick transfers, adds a -0.02% markup on EUR transfers, and costs $55.51 in fees.

This makes it the best option for a mix of cost, speed & features for EUR transfers.

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How to send money to Italy with the best rate

About money transfers to Italy

Top rated for transfers from United States to Italy
Wise
Total number of US - IT providers
21
Average cheapest fees & rate
Revolut
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Revolut
Best for debit card
Xe

Consider this before sending money to Italy

1
Compare your transfer options to Italy

Don't choose the first option you come across when sending EUR. Always compare different methods for sending money to Italy to evaluate fees, speed, and reliability.

We reviewed 21 providers that offer services in Italy and found:

  • Wise to be the overall best service

  • Wise to offer the fastest transfers to Italy

  • Revolut to be the cheapest option

This gives you a complete overview of all the options available for transferring money to Italy.

2
The EUR exchange rate matters
3
Pick the suitable payment method
4
Transfer limits & the amount
5
How quickly do you need EUR?
6
There are more ways to send money
7
Receiving money in Italy
8
Understand the taxes
9
Prepare the documents

Revolut: The cheapest way to send money to Italy

Revolut consistently offers the cheapest money transfers to Italy.

There are 21 providers servicing Italy, and Revolut appeared as the cheapest option 206 times in our comparisons.

Revolut charges $0 per transfer to Italy, with a 0.2% markup on the EUR exchange rate. This is % cheaper than the second cheapest option.

To get the most out of your transfer to Italy, use a Bank transfer deposit to maximize the amount of EUR received.

Screenshot
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Screenshot

Wise: The fastest way to send money to Italy

Wise appeared in 43.2% of our comparisons as the fastest transfer service to Italy.

They charge $10.35 in fees and apply a 0% markup on the EUR exchange rate, which is 0% better than the second-best option.

For the best combination of cost and speed, we suggest using Bank transfer to fund your EUR transfer.

Screenshot

Easiest way to send money to Italy: Wise

Looking for a quick and convenient way to send EUR? Use Wise - our top-rated provider.

Our 6-month analysis shows that Wise came up as the top-rated provider for transfers to Italy in 96.7% of the searches.

By “easiest”, we mean the service that is easy to get started with, is fully transparent and offers a good balance of cheap and fast transfers.

Screenshot

Sending large amounts of money to Italy

Sending large amounts to Italy can be expensive. You should consider the exchange rate, transfer limits, customer service, safety, company experience with large transfers, and any legal requirements in Italy.

In this case, Wise ticks all the boxes. Out of 21 money transfer companies serving Italy, Wise came on top as the highest-rated company for EUR transfers.

Whether you are buying a property in Italy, funding your education, having a destination wedding, or just need to send a lot of EUR, we recommend opting for a specialized provider such as Wise.

Understand the costs of money transfers to Italy

The total cost of EUR transfers depends on your location, the amount of EUR sent, the delivery/deposit methods, transfer fees, and the markup applied to the EUR exchange rate.

Transfer fee

The money transfer service you use to send Euro can apply a fixed fee, a percentage-based fee, or a combination of both.

For example, a $2,000 transfer to Italy will cost you $0 in fees with Xoom, based on our May 2025 analysis of 21 services supporting Euro transfers.

EUR exchange rate markup

An exchange rate markup is the percentage added to the mid-market EUR rate.

Using the same example, Wise offers the best EUR exchange rates, with a -0.02% markup on the USD- EUR rate. This means for every USD sent, you receive 0.8817 EUR with -0.02% deducted from it.

Deposit method

How you fund your transfer can significantly impact the overall cost.

Bank transfer is the most common option, costing up to $0 per transfer to Italy.

Debit card transfers can go as high as $927.1 in fees, while credit cards can reach $0 per EUR transfer and may include additional cash advance fees and other fees.

Bank transfer is the cheapest payment method for sending EUR.

Live EUR Exchange Rate

Get the best EUR exchange rate

The exchange rate is the value of the EUR (Euro) against other currencies, and since it fluctuates, it will affect how much EUR the recipient will get. Sending money when EUR reaches the highest value will result in more EUR for your recipient.

Mid-market Rate
1 
=
0.881660 
EUR

Over the past six months, the EUR exchange rate has:

  • Averaged at 0.9413 Euro per USD

  • Reached a high of 0.981 EUR/USD

  • Dropped to a low of 0.8773 EUR per US Dollar

You should aim to make a transfer when the rate is closer to 0.981 EUR/USD. This will give your recipient in Italy more Euro.

Pair your transfer with Wise (who offers the best exchange rate), and you will maximize the amount of EUR received.

Get notified when it’s the best time to send EUR

Sign up for our rate alerts, and we’ll notify you when it’s the best time to send EUR!

Payment methods available for money transfers to Italy

The way you fund your transfer to Italy will impact the speed, cost, and amount of EUR your recipient receives.

  • Bank transfers

    Bank transfer deposits are a common and reliable funding method for sending EUR, offered by most services covering Italy.

    While bank transfers are typically more affordable, it may take up to 3 business days for the EUR to arrive in Italy.

    In our testing of 21 providers, Revolut appeared 144 times as the cheapest option for bank transfers to Italy, charging $0 per transfer with a 0.2% markup—% cheaper than the second-best alternative.

    Avoid using wire transfers to Italy over the SWIFT network, as they are slower and more expensive due to the bank intermediaries on the way to Italy. Instead, choose ACH or your local network option.

  • Credit cards

    A credit card deposit is another option for EUR transfers.

    Based on our comparison of 21 companies serving Italy, offers the lowest fees for credit card transfers.

    CC deposits are usually more expensive when sending Euro. will charge $0 for a CC transfer vs Revolut charging just $Revolut with a bank transfer.

    Money transfer to Italy is an international transaction.

    Your credit card company may apply a cash advance fee and higher interest rates for international payments to Italy. We recommend avoiding credit cards when sending money to Italy.

  • Debit and prepaid cards

    Debit cards are typically faster but more expensive than bank deposits, with most EUR transfers completed within a few hours.

    We recommend using Wise for debit or prepaid card deposits.

    With Wise, you’ll pay a -0.03% markup on the EUR rate and $15.38 in fees when depositing money via the card. This is 0% cheaper than using the next cheapest option for transferring money to Italy.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available in Italy.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money to Italy.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to Italy

For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

Keep your money safe

The Bank of Italy is responsible for the accounting standards of banks and other financial institutions.

Always choose providers that are regulated by financial authorities and ensure you send money to the recipients you know and trust.

If you don’t know what the key regulatory bodies are in Italy, please refer to our directory of financial regulators worldwide.

FAQs

Find answers to the most common questions on our dedicated FAQ page.

Are there any limits when sending EUR?
Are there any tax implications on EUR transfers?
What are the fees and exchange rates?
How long does it take to transfer money to Italy?
Can I schedule regular payments to Italy?
What currency is used in Italy?
Can I send EUR from any country?
What should I do if something goes wrong with my transfer to Italy?
Can I just wire money to Italy with my bank?
Can I use MoneyTransfers.com to transfer money?

Contributors

Artiom Pucinskij
Artiom Pucinskij is a seasoned financial content strategist who holds an impressive background in marketing from the University of Portsmouth. With years of dedicated experience in the personal finance and remittance sectors, Artiom has become an integral part of MoneyTransfers.com's growth.
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