Best companies for USD/EUR transfers
4 of 4 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 = 0.8908 EUR -0.01% vs mid-market	Recipient gets €6,211.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kosovo with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8908 EUR €6,211.00You pay$7,000.00
Promoted Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 0.8883 EUR +0.27% vs mid-market	Recipient gets €6,218.08 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Kosovo with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8883 EUR €6,218.08You pay$7,000.00
Run a live search Showing top United States to Kosovo 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 Kosovo.
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.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 0.8883 EUR +0.27% vs mid-market	Recipient gets €6,218.08 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Kosovo with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8883 EUR €6,218.08You pay$7,000.00
Wise Pay via Bank transfer	Fee $27.22 1 USD = 0.8908 EUR -0.01% vs mid-market	Recipient gets €6,211.00 Within minutes
25 reviews FastestOur top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kosovo with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.221 USD = 0.8908 EUR €6,211.00You pay$7,000.00
Chase Pay via Bank transfer	Fee $0.00 1 USD = 0.8736 EUR +1.94% vs mid-market	Recipient gets €6,115.23
0 reviews
Ways to receive money in Kosovo 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 +2.56% vs mid-market	Recipient gets €6,077.47
0 reviews
Ways to receive money in Kosovo 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
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 Kosovo

Pick a company

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

Regency FX was the cheapest on 28 of the 30 days it quoted $7,000 transfers to Kosovo.

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

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

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

Pay for it

You have 1 ways to pay for your transfer to Kosovo, including bank transfer.

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 Kosovo?

How much USD you send to Kosovo 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 Regency FX was the cheapest in 75% of the transfers from $5,000 it quoted, and in 75% of all the transfers it quoted.


$500	-0.48%	$0.99	€447.40with remitly wallet to bank deposit	+€37.23
$2,000	0.14%	$0.00	€1,778.60with bank transfer to bank deposit	+€50.33
$5,000	0.00%	$21.43	€4,433.67with bank transfer to bank deposit	+€33.35
$7,000This page	0.27%	$0.00	€6,218.08with bank transfer to bank deposit	+€62.64
$10,000	0.27%	$0.00	€8,873.28with bank transfer to bank deposit	+€85.19
$50,000	0.25%	$0.00	€44,371.79with bank transfer to bank deposit	+€88.68
$100,000	0.20%	$0.00	€88,811.72with bank transfer to bank deposit	+€308.83
$250,000	0.20%	$0.00	€222,102.40with bank transfer to bank deposit	+€525.07

Mid-market rate: 1 USD = 0.8907 EUR

USD/EUR Exchange Rate History

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

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 Regency FX), across 30 days of comparisons for 7,000 USD transfers to Kosovo.

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, Regency FX pays 6,218.08 EUR on 7,000 USD, which is 16.83 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,278.07 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 Kosovo.

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

Regency FXAppeared in 150 comparisons
Cheapest in 75% of them
WiseAppeared in 240 comparisons
Cheapest in 28% of them
ChaseAppeared in 240 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 Regency FX is the cheapest and gets you the most EUR, and it was also the cheapest in 75% of the 150 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Kosovo.

Wise (today's second cheapest) was the cheapest in only 28% of its comparisons, so it's rarely the cheapest option for transfers to Kosovo.

Ways to send money from the US to Kosovo

There are 4 companies available for sending money from the US to Kosovo, across bank, currency broker, online, app, multi-currency account, and global business account, 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.

Wise charges $27.22 on a $7,000 transfer with -0.01% markup, saves your recipient's details for next time, and EUR arrives in same day.

Over the past month, Wise was the cheapest app on 100% 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.

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 Kosovo.

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

On a $7,000 transfer, you will get 6,211 EUR after a $27.22 fee and -0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 30 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 Kosovo (e.g. a property purchase, tuition, or moving to Kosovo), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/EUR that gets lower the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% 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 6,218.08 EUR with Regency FX (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 Kosovo, 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 Kosovo

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 6,218.08 EUR.

Our data shows that Regency FX gets your recipient 102.85 EUR more than Chase, today's cheapest bank, on the same $7,000.

Deposit USD by bank transfer.

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 Kosovo.

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

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

Your recipient in Kosovo can collect EUR through bank deposit.

1

Bank transfer Bank deposit

You pay $7,000.00

€6,218

Cheapest

Things to consider before sending USD to Kosovo

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 Kosovo

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,218.08 EUR, which is 0.11% more than the next best option.

Fastest way to send money to Kosovo

The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,211 EUR, with the money arriving in same day.

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 Kosovo?

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

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

While Regency FX 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 Kosovo 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 Kosovo

Send money from Switzerland to Kosovo Send money from United Kingdom to Kosovo

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	0.8927	–	€6,248.69
Regency FX Cheapest	0.8903	$0.00	€6,231.82	−€16.87
Wise	0.8927	$27.22	€6,224.87	−€23.82
Chase	0.8709	$0.00	€6,096.22	−€152.47

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8936	–	€6,255.23
Regency FX Cheapest	0.8912	$0.00	€6,238.34	−€16.89
Wise	0.8938	$27.22	€6,232.10	−€23.13
Chase	0.8714	$0.00	€6,099.77	−€155.46

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8926	–	€6,248.48
Regency FX Cheapest	0.8902	$0.00	€6,231.61	−€16.87
Wise	0.8928	$27.22	€6,225.14	−€23.34
Chase	0.8707	$0.00	€6,095.25	−€153.23

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8915	–	€6,240.64
Regency FX Cheapest	0.8891	$0.00	€6,223.79	−€16.85
Wise	0.8915	$27.22	€6,216.26	−€24.38
Chase	0.8707	$0.00	€6,095.25	−€145.39

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8900	–	€6,229.94
Regency FX Cheapest	0.8876	$0.00	€6,213.12	−€16.82
Wise	0.8899	$27.22	€6,205.20	−€24.74
Chase	0.8683	$0.00	€6,078.43	−€151.51

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
Chase	0.8678	$0.00	€6,074.87	−€154.46

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8922	–	€6,245.40
Regency FX Cheapest	0.8898	$0.00	€6,228.54	−€16.86
Wise	0.8921	$27.22	€6,220.70	−€24.70
Chase	0.8700	$0.00	€6,090.32	−€155.08

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8903	–	€6,232.38
Regency FX Cheapest	0.8879	$0.00	€6,215.55	−€16.83
Wise	0.8904	$27.22	€6,208.24	−€24.14
Chase	0.8700	$0.00	€6,090.32	−€142.06

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8908	–	€6,235.74
Regency FX Cheapest	0.8884	$0.00	€6,218.90	−€16.84
Wise	0.8908	$27.22	€6,211.28	−€24.46
Chase	0.8688	$0.00	€6,081.70	−€154.04

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8900	–	€6,230.14
Regency FX Cheapest	0.8876	$0.00	€6,213.32	−€16.82
Wise	0.8900	$27.22	€6,205.75	−€24.39
Chase	0.8670	$0.00	€6,069.26	−€160.88

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8930	–	€6,250.86
Regency FX Cheapest	0.8906	$0.00	€6,233.98	−€16.88
Wise	0.8930	$27.22	€6,226.81	−€24.05
Chase	0.8703	$0.00	€6,092.29	−€158.57

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8925	–	€6,247.16
Regency FX Cheapest	0.8900	$0.00	€6,230.29	−€16.87
Wise	0.8924	$27.22	€6,222.36	−€24.80
Chase	0.8704	$0.00	€6,092.61	−€154.55

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8960	–	€6,272.11
Regency FX Cheapest	0.8936	$0.00	€6,255.17	−€16.94
Wise	0.8961	$27.22	€6,248.29	−€23.82
Chase	0.8741	$0.00	€6,118.81	−€153.30

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8993	–	€6,295.07
Regency FX Cheapest	0.8969	$0.00	€6,278.07	−€16.99
Wise	0.8993	$27.22	€6,270.49	−€24.57
Chase	0.8774	$0.00	€6,141.65	−€153.41

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8975	–	€6,282.64
Regency FX Cheapest	0.8951	$0.00	€6,265.68	−€16.96
Wise	0.8977	$27.22	€6,259.23	−€23.41
Chase	0.8757	$0.00	€6,129.79	−€152.85

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8943	–	€6,260.17
Regency FX Cheapest	0.8919	$0.00	€6,243.27	−€16.90
Wise	0.8943	$27.22	€6,235.72	−€24.45
Chase	0.8725	$0.00	€6,107.59	−€152.58

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
Chase	0.8735	$0.00	€6,114.50	−€132.33

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8938	–	€6,256.46
Regency FX Cheapest	0.8914	$0.00	€6,239.57	−€16.89
Wise	0.8938	$27.22	€6,232.10	−€24.36
Chase	0.8715	$0.00	€6,100.29	−€156.17

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8928	–	€6,249.53
Regency FX Cheapest	0.8904	$0.00	€6,232.66	−€16.87
Wise	0.8927	$27.22	€6,224.87	−€24.66
Chase	0.8703	$0.00	€6,091.85	−€157.68

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8901	–	€6,230.42
Regency FX Cheapest	0.8877	$0.00	€6,213.60	−€16.82
Wise	0.8901	$27.22	€6,206.30	−€24.12
Chase	0.8703	$0.00	€6,091.85	−€138.57

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8880	–	€6,215.66
Regency FX Cheapest	0.8856	$0.00	€6,198.88	−€16.78
Wise	0.8880	$27.22	€6,191.98	−€23.68
Chase	0.8660	$0.00	€6,061.98	−€153.68

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8950	–	€6,265.07
Regency FX Cheapest	0.8926	$0.00	€6,248.15	−€16.92
Wise	0.8948	$27.22	€6,239.07	−€26.00
Chase	0.8723	$0.00	€6,105.88	−€159.19

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
Chase	0.8757	$0.00	€6,130.05	−€147.58

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8957	–	€6,269.89
Regency FX Cheapest	0.8933	$0.00	€6,252.96	−€16.93
Wise	0.8957	$27.22	€6,245.21	−€24.68
Chase	0.8736	$0.00	€6,115.23	−€154.66

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8907	–	€6,234.91
Regency FX Cheapest	0.8883	$0.00	€6,218.08	−€16.83
Wise	0.8908	$27.22	€6,211.00	−€23.91
Chase	0.8736	$0.00	€6,115.23	−€119.68

How to send money to Kosovo 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

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 Kosovo?

Send money to Kosovo

Recommendations

Tools & resources