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

Compare the best deals on transfers from the United States to Portugal. Explore the cheapest, fastest, and most reliable providers with the best USD to EUR exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Portugal from United States.

Transferring the other way? Send EUR from Portugal to United States instead.
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July 15th, 2025
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Best money transfer companies

Send money from United States to Portugal

Last updated: Today
Mid-market rate as of 07/15/2025: 1 USD = 0.85571 EUR
Results below are based on a 7000 USD search
0 of 16 providers
Sponsored
Wise
Recipient gets (EUR)
€5,967.29
Full transfer details
Visit Wise
€157 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,908.00
Full transfer details
Visit Xe
€98 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (EUR)
€5,975.00
Full transfer details
Visit Key Currency
€165 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (EUR)
€5,974.40
Full transfer details
Visit Currencyflow
€164 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (EUR)
€5,973.80
Full transfer details
Visit Regency FX
€164 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
4
Wise
Recipient gets (EUR)
€5,967.29
Full transfer details
Visit Wise
€157 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
5
Currencies Direct
Recipient gets (EUR)
€5,959.80
Full transfer details
Visit Currencies Direct
€150 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
6
CurrencyFair
Recipient gets (EUR)
€5,952.60
Full transfer details
Visit CurrencyFair
€142 better than a typical bank*

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

Personal account manager
Multi-currency card
Receive to bank account
7
OFX
Recipient gets (EUR)
€5,951.40
Full transfer details
Visit OFX
€141 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
8
Remitly
Recipient gets (EUR)
€5,933.20
Full transfer details
Visit Remitly
€123 better than a typical bank*

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

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
9
Xe
Recipient gets (EUR)
€5,908.00
Full transfer details
Visit Xe
€98 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (EUR)
€5,960.06
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Barclays
    Barclays
    Recipient gets (EUR)
    €5,793.00
    Not recommended
  • HSBC
    HSBC
    Recipient gets (EUR)
    €5,787.02
    Not recommended
  • Capital One
    Capital One
    Recipient gets (EUR)
    €5,750.37
    Not recommended
  • PayPal
    PayPal
    Recipient gets (EUR)
    €5,514.61
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€5,967.29
Full transfer details
Visit Wise
€157 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,908.00
Full transfer details
Visit Xe
€98 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Overall best way: Wise

Wise is our recommended company for USD to EUR transfers.

Wise scored the highest of the 16 money transfer companies supporting USD to EUR transfers.

For example, sending 7,000 USD to EUR will cost you $27.22 in fees, and the recipient will get 5,967.29 EUR. The delivery time is next day.

For a great mix of cost, speed & features, we advise using Wise for your United States to Portugal transfer.

Wise is the top rated company for sending money from United States (USD) to Portugal (EUR) - Wise Screenshot

How to compare companies offering money transfers from United States to Portugal

Summary of recent searches

Top rated for transfers from United States to Portugal
Wise
Total number of US - PT providers
16
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe

Considerations for sending money from United States to Portugal

1
Compare providers

Always compare ways to send money from the United States to Portugal to get the best options for fees, speed, and reliability.

Our analysis included 16 providers that operate between United States and Portugal.

Through this, you get a comprehensive view of all the options you have in the United States when you need to send money to Portugal.

2
Track the US Dollar-Euro exchange rate
3
Choose the right payment method
4
Use regulated providers
5
Consider transfer limits
6
How to receive money in Portugal
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to send money from United States to Portugal: Key Currency

The combination of the lowest fees and best exchange rate is through Key Currency. This makes them our cheapest transfer service of the 16 compared for sending US Dollar to Portugal.

Our data shows, over the past week, that Key Currency is 0.01% than the second-best option when sending via a bank transfer.

This measure includes a fee of 0 USD and a USD-EUR exchange rate for international transfers that is 0.25% different to the mid-market rate.

Securing the best rates on a USD to Portugal transfer can be done with Key Currency but you can always search for your specific amount.

Key Currency is the cheapest way to send money from United States (USD) to Portugal (EUR) - Key Currency Screenshot

Fastest way to send money to Portugal from the United States: Currencyflow

We compared 16 companies and found Currencyflow offers the fastest money transfers between the United States and Portugal.

The transfer time is minutes - 24 hours with Currencyflow for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Euro transfer through Currencyflow comes with a 0 USD fee (based on a $7,000 transfer).

To ensure Currencyflow was the 'fastest' option we compared 16 providers. This comparison was for overall speed of sending money from the United States to Portugal and is a combination of depositing US Dollar, transfer times to Portugal and withdrawal timeframes where applicable.

When speed is a priority, Currencyflow is the top choice for sending into Portugal from the United States.

Currencyflow is the fastest way to send money from United States (USD) to Portugal (EUR) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Portugal from the United States needs a strong exchange rate and effective transfer management.

From the
16 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Portugal from the United States.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Euros to Euro.

As such, we recommend Currencies Direct for large Portugal transfers.

Understanding the cost of transferring money from United States to Portugal

The total cost of money transfers from United States to Portugal is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-EUR is currently 0.8617 EUR per US Dollar. Providers offering services closer to this rate will ensure more Euro for your US Dollars.

  • To give a historic average, over the last 7 days the USD-EUR mid-market rate has been 0.8551 EUR per US Dollar, this has had a high of 0.8572 and a low of 0.8519.

  • From the 16 companies compared, Wise offers the best exchange rate on transfers to Portugal and the United States.

  • Generally, the exchange rate you receive on converting USD to EUR will be the biggest factor impacting the cost of sending US Dollars to Portugal.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Key Currency, just 0 USD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Euro. Simply, the higher the amount received in the United States, the lower the cost of sending from Portugal.

Finding the best exchange rate for US Dollar to Euro

Timing is essential for sending money between USD and EUR. The exchange rate you secure impacts how much EUR you get for your USD.

Mid-market Rate
1 
USD
=
0.861697 
EUR

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to EUR averaged 0.8551 EUR.

  • The highest value recorded was 0.8572 EUR, while the lowest was 0.8519 EUR.

  • There are currently 16 providers offering transfers between the United States and Portugal close to this rate

Want to secure the best USD-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from United States to Portugal!

Payment methods available to fund your United States to
Portugal transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from the United States to Portugal.

    Sending money via a bank transfer with a company such as Key Currency for transfers from the United States to Portugal allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Key Currency is the best provider for bank transfers of the 16 we tested when sending USD to Portugal.

    With a fee of USD0 to send money from the United States to Portugal, Key Currency offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to Portugal with a prepaid or a debit card is very simple with Xe.


    Xe is a leader in card payments for transfers from the United States to Portugal, competing among a total of 16 active money transfer companies on this route.

  • Credit cards

    We recommend avoiding credit card deposits as it usually means taking a cash advance and using it for the deposit. Instead, use a bank transfer or a debit card deposit to save on fees.

    If you have to, we recommend running a comparison to find the best deal for your transfer.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

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


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 from United States to Portugal.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD to EUR.


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

Money transfer company reviews

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How long does it take to send money from United States to Portugal?
What is the best exchange rate I can get for sending money from United States to Portugal?
Are there any minimum or maximum transfer amounts for sending money from United States to Portugal?
Can I schedule regular transfers between United States and Portugal?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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