Best companies for USD/EUR transfers
13 of 13 providers Last updated on 28 October 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 = 0.8992 EUR 0.00% vs mid-market	Recipient gets €6,269.92 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Italy with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8992 EUR €6,269.92You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 0.8981 EUR +0.13% vs mid-market	Recipient gets €6,286.70 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Italy with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8981 EUR €6,286.70You pay$7,000.00
Run a live search Showing top United States to Italy 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 Italy.
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 = 0.8981 EUR +0.13% vs mid-market	Recipient gets €6,286.70 Minutes - 24 hours
4 reviews Cheapest Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Italy with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8981 EUR €6,286.70You pay$7,000.00
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee $0.00 1 USD = 0.8970 EUR +0.25% vs mid-market	Recipient gets €6,278.87 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in Italy with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 0.8970 EUR €6,278.87You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 0.8968 EUR +0.27% vs mid-market	Recipient gets €6,277.61 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Italy with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8968 EUR €6,277.61You pay$7,000.00
Wise Pay via Bank transfer	Fee $27.22 1 USD = 0.8992 EUR 0.00% vs mid-market	Recipient gets €6,269.92 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Italy with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8992 EUR €6,269.92You pay$7,000.00
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 0.8949 EUR +0.48% vs mid-market	Recipient gets €6,264.30 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in Italy with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8949 EUR €6,264.30You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 0.8947 EUR +0.50% vs mid-market	Recipient gets €6,263.14 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Italy with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8947 EUR €6,263.14You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 0.8981 EUR +0.13% vs mid-market	Recipient gets €6,255.27 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Italy with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 0.8981 EUR €6,255.27You pay$7,000.00
CurrencyFair Pay via Bank transfer	Fee $3.34 1 USD = 0.8940 EUR +0.58% vs mid-market	Recipient gets €6,255.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Italy with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.341 USD = 0.8940 EUR €6,255.00You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 0.8982 EUR +0.11% vs mid-market	Recipient gets €6,250.93 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Italy with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 0.8982 EUR €6,250.93You 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.
TapTap Send Pay via Debit card	Fee $0.00 1 USD = 0.8910 EUR +0.92% vs mid-market	Recipient gets €6,237.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Italy with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 USD = 0.8910 EUR €6,237.00You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $1.99 1 USD = 0.8885 EUR +1.20% vs mid-market	Recipient gets €6,219.50 Minutes - 24 hours
2 reviews
Ways to receive money in Italy with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.8885 EUR €6,219.50You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 0.8842 EUR €6,189.40You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 0.8795 EUR €6,156.50You pay$7,074.99

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $1.99 1 USD = 0.8885 EUR +1.20% vs mid-market	Recipient gets €6,219.50 Minutes - 24 hours
2 reviews
Ways to receive money in Italy with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Receive via textMinutes - 24 hoursAvailable via:RCVRCHOICE $1.991 USD = 0.8885 EUR €6,219.50You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.8842 EUR €6,189.40You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 0.8810 EUR €6,167.00You pay$7,075.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 0.8795 EUR €6,156.50You pay$7,001.99
Moneycorp Pay via Bank transfer	Fee $0.00 1 USD = 0.8866 EUR +1.40% vs mid-market	Recipient gets €6,206.49 Minutes - 2 days
0 reviews
Ways to receive money in Italy with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 0.8866 EUR €6,206.49You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 0.8842 EUR +1.69% vs mid-market	Recipient gets €6,189.40 Minutes - 24 hours
2 reviews
Ways to receive money in Italy with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 0.8842 EUR €6,189.40You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 0.8810 EUR €6,167.00You pay$7,179.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 0.8810 EUR +2.05% vs mid-market	Recipient gets €6,167.00 Minutes - 24 hours
2 reviews
Ways to receive money in Italy with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 0.8810 EUR €6,167.00You pay$7,060.79
Chase Pay via Bank transfer	Fee $0.00 1 USD = 0.8774 EUR +2.46% vs mid-market	Recipient gets €6,141.65
0 reviews
Ways to receive money in Italy with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.8774 EUR €6,141.65You pay$7,000.00
Wells Fargo Pay via Bank transfer	Fee $0.00 1 USD = 0.8723 EUR +3.04% vs mid-market	Recipient gets €6,106.20
0 reviews
Ways to receive money in Italy with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 0.8723 EUR €6,106.20You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 0.8981 EUR +0.13% vs mid-market	Recipient gets €6,098.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Italy with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 0.8981 EUR €6,098.10You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 0.8992 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 Italy

Pick a company

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

Xe was the cheapest on 2 of the 30 days it quoted $7,000 transfers to Italy.

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

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 Italy, 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 day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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 Italy?

How much USD you send to Italy 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 7% of the transfers from $5,000 it quoted, and in 6% of all the transfers it quoted.


$500	0.16%	$0.00	€448.85with bank transfer to bank deposit	+€13.19
$600	0.16%	$0.00	€538.86with bank transfer to bank deposit	+€11.93
$2,000	0.02%	$0.00	€1,798.60with bank transfer to bank deposit	+€33.97
$5,000	0.34%	$0.00	€4,480.50with remitly wallet to bank deposit	+€40.72
$7,000This page	0.13%	$0.00	€6,286.70with bank transfer to bank deposit	+€65.22
$10,000	0.25%	$0.00	€8,965.03with bank transfer to bank deposit	+€84.59
$50,000	0.11%	$0.00	€44,885.00with bank transfer to bank deposit	+€354.07
$100,000	0.15%	$0.00	€89,744.78with bank transfer to bank deposit	+€686.47
$250,000	0.13%	$0.00	€224,575.00with bank transfer to bank deposit	+€1,782.79

Mid-market rate: 1 USD = 0.8992 EUR

USD/EUR Exchange Rate History

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

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 Italy.

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.

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 US.

Right now, Xe pays 6,286.7 EUR on 7,000 USD, which is 7.91 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

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 6% of the 177 comparisons it appeared in over the past month.

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 Italy

There are 13 companies available for sending money from the US to Italy, across broker, app, online, multi-currency account, global 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 0.13% 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 7% 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 6,219.5 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 Italy.

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

On a $7,000 transfer, you will get 6,286.7 EUR after a $0 fee and 0.13% markup.

In our comparisons over the past month, it was the cheapest online service on 2 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 Italy (e.g. a property purchase, tuition, or moving to Italy), a broker like Xe charges no fee, gives you a dedicated account manager, and adds 0.13% markup on USD/EUR that gets lower the more you send.

Our analysis shows Xe was the cheapest broker in 20% 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.

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 6,141.65 EUR, against 6,286.7 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 Italy, building up EUR balance, or receiving payments in EUR.

Wise converts $7,000 at 0% 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 Italy

With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 6,286.7 EUR.

Our data shows that Xe gets your recipient 145.05 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 Italy.

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 6,219.5 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, Venmo and Cash App only support domestic transfers, so they cannot send money to Italy.

Your recipient in Italy can collect EUR through bank deposit, receive via text, cash pickup, and card deposit.

They can collect cash in Italy

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

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

€6,287

Cheapest
2

Debit card Bank deposit

You pay $7,000.00

€6,255

-€31
3

Debit card Receive via text

You pay $7,001.99

€6,220

-€67
4

Bank transfer Cash pickup

You pay $7,005.99

€6,189

-€97
5

Credit card Bank deposit

You pay $7,177.99

€6,189

-€97

Show moreShow less

6

Debit card Cash pickup

You pay $7,075.99

€6,167

-€120
7

Credit card Cash pickup

You pay $7,179.99

€6,167

-€120
8

Cash deposit Cash pickup

You pay $7,060.79

€6,167

-€120
9

Bank transfer Card deposit

You pay $7,074.99

€6,157

-€130
10

Debit card Card deposit

You pay $7,001.99

€6,157

-€130

Things to consider before sending USD to Italy

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 Italy

The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,286.7 EUR, which is 0.12% more than the next best option.

Fastest way to send money to Italy

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,250.93 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 Italy?

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

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

While Wise 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.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Italy and 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 226 comparisons across 9 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.

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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

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8802	–	€6,161.47
Key Currency Cheapest	0.8780	$0.00	€6,146.07	−€15.40
Regency FX	0.8778	$0.00	€6,144.83	−€16.64
Xe	0.8761	$0.00	€6,132.70	−€28.77
Chase	0.8585	$0.00	€6,009.58	−€151.89

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8808	–	€6,165.88
Key Currency Cheapest	0.8786	$0.00	€6,150.47	−€15.41
Regency FX	0.8785	$0.00	€6,149.23	−€16.65
Xe	0.8767	$0.00	€6,136.90	−€28.98
Chase	0.8594	$0.00	€6,015.74	−€150.14

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8837	–	€6,185.83
Key Currency Cheapest	0.8815	$0.00	€6,170.37	−€15.46
Regency FX	0.8813	$0.00	€6,169.13	−€16.70
Xe	0.8797	$0.00	€6,157.90	−€27.93
Chase	0.8623	$0.00	€6,036.21	−€149.62

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8885	–	€6,219.71
Key Currency Cheapest	0.8863	$0.00	€6,204.16	−€15.55
Regency FX	0.8861	$0.00	€6,202.92	−€16.79
Xe	0.8844	$0.00	€6,190.80	−€28.91
Chase	0.8623	$0.00	€6,036.21	−€183.50

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8881	–	€6,217.05
Key Currency Cheapest	0.8859	$0.00	€6,201.51	−€15.54
Regency FX	0.8858	$0.00	€6,200.26	−€16.79
Xe	0.8785	$0.00	€6,149.50	−€67.55
Chase	0.8665	$0.00	€6,065.16	−€151.89

Compare the best ways to send money from United States to Italy

Best companies for USD/EUR transfers

How to send money from US to Italy

Pick a company

Pay for it

Check and send

How much USD are you sending to Italy?

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

Understanding USD/EUR exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to Italy

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Banks

Global accounts

Multi-currency accounts

Ways to fund USD and receive EUR in Italy

Things to consider before sending USD to Italy

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 Italy?

How we analyze the market

Related transfer routes

Send money from Italy

Send money to Italy

Recommendations

Tools & resources

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8937	–	€6,256.04
Key Currency Cheapest	0.8915	$0.00	€6,240.40	−€15.64
Regency FX	0.8913	$0.00	€6,239.15	−€16.89
Xe	0.8893	$0.00	€6,225.10	−€30.94
Chase	0.8669	$0.00	€6,068.30	−€187.74

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8919	–	€6,243.37
Key Currency Cheapest	0.8897	$0.00	€6,227.76	−€15.61
Regency FX	0.8895	$0.00	€6,226.51	−€16.86
Xe	0.8878	$0.00	€6,214.60	−€28.77
Chase	0.8719	$0.00	€6,103.29	−€140.08

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8906	–	€6,233.92
Key Currency Cheapest	0.8883	$0.00	€6,218.34	−€15.58
Regency FX	0.8882	$0.00	€6,217.09	−€16.83
Xe	0.8865	$0.00	€6,205.50	−€28.42
Chase	0.8701	$0.00	€6,090.77	−€143.15

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8938	–	€6,256.81
Key Currency Cheapest	0.8916	$0.00	€6,241.17	−€15.64
Regency FX	0.8914	$0.00	€6,239.92	−€16.89
Xe	0.8899	$0.00	€6,229.30	−€27.51
Chase	0.8687	$0.00	€6,081.00	−€175.81

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8906	–	€6,234.13
Key Currency Cheapest	0.8884	$0.00	€6,218.54	−€15.59
Regency FX	0.8882	$0.00	€6,217.30	−€16.83
Xe	0.8865	$0.00	€6,205.50	−€28.63
Chase	0.8717	$0.00	€6,101.65	−€132.48

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8925	–	€6,247.53
Key Currency Cheapest	0.8903	$0.00	€6,231.91	−€15.62
Regency FX	0.8901	$0.00	€6,230.66	−€16.87
Xe	0.8826	$0.00	€6,178.20	−€69.33
Chase	0.8708	$0.00	€6,095.68	−€151.85

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8924	–	€6,247.08
Key Currency Cheapest	0.8902	$0.00	€6,231.46	−€15.62
Regency FX	0.8900	$0.00	€6,230.21	−€16.87
Xe	0.8885	$0.00	€6,219.50	−€27.58
Chase	0.8709	$0.00	€6,096.22	−€150.86

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8938	–	€6,256.62
Key Currency Cheapest	0.8916	$0.00	€6,240.98	−€15.64
Regency FX	0.8914	$0.00	€6,239.73	−€16.89
Xe	0.8896	$0.00	€6,227.20	−€29.42
Chase	0.8714	$0.00	€6,099.77	−€156.85

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8926	–	€6,248.20
Key Currency Cheapest	0.8904	$0.00	€6,232.58	−€15.62
Regency FX	0.8902	$0.00	€6,231.33	−€16.87
Xe	0.8885	$0.00	€6,219.50	−€28.70
Chase	0.8707	$0.00	€6,095.25	−€152.95

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8916	–	€6,241.48
Key Currency Cheapest	0.8894	$0.00	€6,225.88	−€15.60
Regency FX	0.8892	$0.00	€6,224.63	−€16.85
Xe	0.8874	$0.00	€6,211.80	−€29.68
Chase	0.8707	$0.00	€6,095.25	−€146.23

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8898	–	€6,228.74
Key Currency Cheapest	0.8876	$0.00	€6,213.17	−€15.57
Regency FX	0.8874	$0.00	€6,211.92	−€16.82
Xe	0.8858	$0.00	€6,200.60	−€28.14
Chase	0.8683	$0.00	€6,078.43	−€150.31

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8899	–	€6,229.33
Key Currency Cheapest	0.8877	$0.00	€6,213.75	−€15.58
Regency FX	0.8875	$0.00	€6,212.51	−€16.82
Xe	0.8796	$0.00	€6,157.20	−€72.13
Chase	0.8678	$0.00	€6,074.87	−€154.46

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.8898	$27.22	€6,204.37	–
Xe	0.8798	$0.00	€6,158.60	–
Chase	0.8678	$0.00	€6,074.87	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8921	–	€6,244.42
Key Currency Cheapest	0.8898	$0.00	€6,228.81	−€15.61
Regency FX	0.8897	$0.00	€6,227.56	−€16.86
Xe	0.8880	$0.00	€6,216.00	−€28.42
Chase	0.8700	$0.00	€6,090.32	−€154.10

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8903	–	€6,232.45
Key Currency Cheapest	0.8881	$0.00	€6,216.87	−€15.58
Regency FX	0.8879	$0.00	€6,215.62	−€16.83
Xe	0.8862	$0.00	€6,203.40	−€29.05
Chase	0.8700	$0.00	€6,090.32	−€142.13

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8909	–	€6,236.29
Key Currency Cheapest	0.8887	$0.00	€6,220.70	−€15.59
Regency FX	0.8885	$0.00	€6,219.46	−€16.83
Xe	0.8867	$0.00	€6,206.90	−€29.39
Chase	0.8688	$0.00	€6,081.70	−€154.59

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8900	–	€6,230.07
Key Currency Cheapest	0.8878	$0.00	€6,214.49	−€15.58
Regency FX	0.8876	$0.00	€6,213.25	−€16.82
Xe	0.8859	$0.00	€6,201.30	−€28.77
Chase	0.8670	$0.00	€6,069.26	−€160.81

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8930	–	€6,251.07
Key Currency Cheapest	0.8908	$0.00	€6,235.44	−€15.63
Regency FX	0.8906	$0.00	€6,234.19	−€16.88
Xe	0.8888	$0.00	€6,221.60	−€29.47
Chase	0.8703	$0.00	€6,092.29	−€158.78

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8927	–	€6,248.69
Key Currency Cheapest	0.8904	$0.00	€6,233.07	−€15.62
Regency FX	0.8903	$0.00	€6,231.82	−€16.87
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	–	€6,247.22
Key Currency Cheapest	0.8902	$0.00	€6,231.60	−€15.62
Regency FX	0.8901	$0.00	€6,230.35	−€16.87
Xe	0.8883	$0.00	€6,218.10	−€29.12
Chase	0.8704	$0.00	€6,092.61	−€154.61

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8962	–	€6,273.33
Xe Cheapest	0.8950	$0.00	€6,265.00	−€8.33
Key Currency	0.8939	$0.00	€6,257.65	−€15.68
Regency FX	0.8938	$0.00	€6,256.39	−€16.94
Chase	0.8741	$0.00	€6,118.81	−€154.52

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8992	–	€6,294.61
Xe Cheapest	0.8981	$0.00	€6,286.70	−€7.91
Key Currency	0.8970	$0.00	€6,278.87	−€15.74
Regency FX	0.8968	$0.00	€6,277.61	−€17.00
Chase	0.8774	$0.00	€6,141.65	−€152.96