Best companies for USD/EUR transfers
13 of 13 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 3 hours
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable 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 = 0.8865 EUR +0.47% vs mid-market	Recipient gets €6,205.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Spain with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8865 EUR €6,205.50You pay$7,000.00
Run a live search Showing top United States to Spain 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 Spain.
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.
TapTap Send Pay via Debit card	Fee $0.00 1 USD = 0.8910 EUR -0.04% vs mid-market	Recipient gets €6,237.00 Minutes
2 reviews Cheapest Receive to bank account
Ways to receive money in Spain 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
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee $0.00 1 USD = 0.8884 EUR +0.25% vs mid-market	Recipient gets €6,218.96 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in Spain with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 0.8884 EUR €6,218.96You 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 Spain 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 3 hours
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Spain with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $27.221 USD = 0.8907 EUR €6,210.72You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 0.8865 EUR +0.47% vs mid-market	Recipient gets €6,205.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Spain with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8865 EUR €6,205.50You pay$7,000.00
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 0.8863 EUR +0.49% vs mid-market	Recipient gets €6,204.10 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in Spain with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.8863 EUR €6,204.10You 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 Spain 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
CurrencyFair Pay via Bank transfer	Fee $3.37 1 USD = 0.8854 EUR +0.59% vs mid-market	Recipient gets €6,194.80 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Spain with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.371 USD = 0.8854 EUR €6,194.80You 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 Spain 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 $5.991 USD = 0.8846 EUR €6,192.20You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 0.8765 EUR €6,135.50You pay$7,074.99
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 Spain 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.
Xe Pay via Debit card	Fee $35.00 1 USD = 0.8865 EUR +0.47% vs mid-market	Recipient gets €6,174.47 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Spain with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 0.8865 EUR €6,174.47You pay$7,000.00
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 Spain 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
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 0.8778 EUR +1.45% vs mid-market	Recipient gets €6,144.60 Minutes - 24 hours
2 reviews
Ways to receive money in Spain with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 0.8778 EUR €6,144.60You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $1.99 1 USD = 0.8765 EUR +1.60% vs mid-market	Recipient gets €6,135.50 Minutes - 24 hours
2 reviews
Ways to receive money in Spain with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Receive via textMinutes - 24 hoursAvailable via:RCVRCHOICE $1.991 USD = 0.8765 EUR €6,135.50You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 0.8765 EUR €6,135.50You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 0.8765 EUR €6,135.50You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 0.8747 EUR €6,122.90You pay$7,075.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 0.8765 EUR +1.60% vs mid-market	Recipient gets €6,135.50 Minutes - 24 hours
2 reviews
Ways to receive money in Spain with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 0.8765 EUR €6,135.50You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 0.8747 EUR €6,122.90You pay$7,179.99
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 Spain 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 Spain 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 = 0.8865 EUR +0.47% vs mid-market	Recipient gets €6,019.34 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Spain with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 0.8865 EUR €6,019.34You 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 Spain

Pick a company

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

TapTap Send was the cheapest on 1 of the 30 days it quoted $7,000 transfers to Spain.

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

For large transfers, a broker like Key Currency 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 Spain, 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 Spain?

How much USD you send to Spain 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 TapTap Send was the cheapest in 3% of the transfers from $5,000 it quoted, and in 3% of all the transfers it quoted.


$500	-0.04%	$0.00	€445.55with debit card to cash pickup	+€15.83
$600	-0.05%	$0.00	€534.66with debit card to cash pickup	+€15.12
$2,000	-0.02%	$0.00	€1,782.00with debit card to bank deposit	+€34.16
$5,000	-0.05%	$0.00	€4,455.00with debit card to bank deposit	+€49.32
$7,000This page	-0.04%	$0.00	€6,237.00with debit card to bank deposit	+€68.91
$10,000	-0.13%	$0.00	€8,910.00with debit card to bank deposit	+€98.15
$25,000	-0.01%	$0.00	€22,275.00with debit card to bank deposit	+€247.84
$50,000	-0.13%	$0.00	€44,550.00with debit card to bank deposit	+€425.62
$100,000	-0.04%	$0.00	€89,100.00with debit card to bank deposit	+€738.32
$250,000	-0.10%	$0.00	€222,750.00with debit card to bank deposit	+€1,938.93
$500,000	-0.03%	$0.00	€445,500.00with debit card to bank deposit	+€2,796.05
$1,000,000	-0.03%	$0.00	€891,000.00with debit card to bank deposit	+€5,518.43

Mid-market rate: 1 USD = 0.8907 EUR

USD/EUR Exchange Rate History

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

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 TapTap Send), across 30 days of comparisons for 7,000 USD transfers to Spain.

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 3 of the last 30 days.

Right now, TapTap Send pays 6,237 EUR on 7,000 USD, which is 2.45 EUR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 6,286.70 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.

If you need to send money now, it's a good time to send.

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 TapTap Send is the cheapest and gets you the most EUR, but it was the cheapest in only 3% of the 358 comparisons it appeared in over the past month.

Key Currency (today's second cheapest) was the cheapest in 68% of its comparisons, so if you send money to Spain regularly, it's worth comparing it with TapTap Send before each transfer.

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

Ways to send money from the US to Spain

There are 13 companies available for sending money from the US to Spain, across currency broker, app, online, multi-currency account, global business 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.

TapTap Send charges $0 on a $7,000 transfer with -0.04% markup, saves your recipient's details for next time, and EUR arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 3% 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 Spain.

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

On a $7,000 transfer, you will get 6,210.72 EUR after a $27.22 fee and -0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 27 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 Spain (e.g. a property purchase, tuition, or moving to Spain), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/EUR that gets lower the more you send.

Our analysis shows Key Currency was the cheapest broker in 76% 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 6,237 EUR with TapTap Send (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 Spain, 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 Spain

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 6,237 EUR.

Our data shows that TapTap Send gets your recipient 121.77 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 Spain.

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 Spain.

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

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

They can collect cash in Spain

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

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

1

Debit card Bank deposit

You pay $7,000.00

€6,237

Cheapest
2

Bank transfer Bank deposit

You pay $7,000.00

€6,219

-€18
3

Bank transfer Cash pickup

You pay $7,005.99

€6,192

-€45
4

Cash deposit Cash pickup

You pay $7,060.79

€6,145

-€92
5

Debit card Receive via text

You pay $7,001.99

€6,136

-€102

Show moreShow less

6

Debit card Card deposit

You pay $7,001.99

€6,136

-€102
7

Bank transfer Card deposit

You pay $7,074.99

€6,136

-€102
8

Credit card Bank deposit

You pay $7,177.99

€6,136

-€102
9

Debit card Cash pickup

You pay $7,075.99

€6,123

-€114
10

Credit card Cash pickup

You pay $7,179.99

€6,123

-€114

Things to consider before sending USD to Spain

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 Spain

The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 6,237 EUR, which is 0.29% more than the next best option.

Fastest way to send money to Spain

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 Spain?

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

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

While Key Currency 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 Spain 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 360 comparisons across 12 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 from Spain

Send money to Spain

Send money from United Kingdom to Spain Send money from Colombia to Spain Send money from Netherlands to Spain Send money from France to Spain Send money from Nigeria to Spain Send money from India to Spain Send money from Mexico to Spain Send money from Canada to Spain Send money from Philippines to Spain

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	0.8924	–	€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
TapTap Send	0.8840	$0.00	€6,188.00	−€59.08
Chase	0.8709	$0.00	€6,096.22	−€150.86

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8936	–	€6,255.21
Key Currency Cheapest	0.8914	$0.00	€6,239.58	−€15.63
Regency FX	0.8912	$0.00	€6,238.32	−€16.89
TapTap Send	0.8840	$0.00	€6,188.00	−€67.21
Chase	0.8714	$0.00	€6,099.77	−€155.44

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8926	–	€6,248.18
Key Currency Cheapest	0.8904	$0.00	€6,232.56	−€15.62
Regency FX	0.8902	$0.00	€6,231.31	−€16.87
TapTap Send	0.8850	$0.00	€6,195.00	−€53.18
Chase	0.8707	$0.00	€6,095.25	−€152.93

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8917	–	€6,241.76
Key Currency Cheapest	0.8895	$0.00	€6,226.16	−€15.60
Regency FX	0.8893	$0.00	€6,224.91	−€16.85
TapTap Send	0.8850	$0.00	€6,195.00	−€46.76
Chase	0.8707	$0.00	€6,095.25	−€146.51

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8897	–	€6,227.91
Key Currency Cheapest	0.8875	$0.00	€6,212.34	−€15.57
Regency FX	0.8873	$0.00	€6,211.09	−€16.82
TapTap Send	0.8840	$0.00	€6,188.00	−€39.91
Chase	0.8683	$0.00	€6,078.43	−€149.48

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

Best companies for USD/EUR transfers

How to send money from US to Spain

Pick a company

Pay for it

Check and send

How much USD are you sending to Spain?

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

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 Spain

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 Spain

Things to consider before sending USD to Spain

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 Spain?

How we analyze the market

Related transfer routes

Send money from Spain

Send money to Spain

Recommendations

Tools & resources

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
TapTap Send	0.8840	$0.00	€6,188.00	−€41.33
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	–	€6,245.12
Key Currency Cheapest	0.8899	$0.00	€6,229.51	−€15.61
Regency FX	0.8898	$0.00	€6,228.26	−€16.86
TapTap Send	0.8830	$0.00	€6,181.00	−€64.12
Chase	0.8700	$0.00	€6,090.32	−€154.80

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8903	–	€6,231.96
Key Currency Cheapest	0.8881	$0.00	€6,216.38	−€15.58
Regency FX	0.8879	$0.00	€6,215.13	−€16.83
TapTap Send	0.8840	$0.00	€6,188.00	−€43.96
Chase	0.8700	$0.00	€6,090.32	−€141.64

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8910	–	€6,236.93
Key Currency Cheapest	0.8888	$0.00	€6,221.34	−€15.59
Regency FX	0.8886	$0.00	€6,220.09	−€16.84
TapTap Send	0.8840	$0.00	€6,188.00	−€48.93
Chase	0.8688	$0.00	€6,081.70	−€155.23

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8900	–	€6,230.28
Key Currency Cheapest	0.8878	$0.00	€6,214.70	−€15.58
Regency FX	0.8876	$0.00	€6,213.46	−€16.82
TapTap Send	0.8830	$0.00	€6,181.00	−€49.28
Chase	0.8670	$0.00	€6,069.26	−€161.02

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8931	–	€6,251.69
Key Currency Cheapest	0.8909	$0.00	€6,236.06	−€15.63
Regency FX	0.8907	$0.00	€6,234.81	−€16.88
TapTap Send	0.8830	$0.00	€6,181.00	−€70.69
Chase	0.8703	$0.00	€6,092.29	−€159.40

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
TapTap Send	0.8860	$0.00	€6,202.00	−€46.69
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	–	€6,247.36
Key Currency Cheapest	0.8902	$0.00	€6,231.74	−€15.62
Regency FX	0.8901	$0.00	€6,230.49	−€16.87
TapTap Send	0.8840	$0.00	€6,188.00	−€59.36
Chase	0.8704	$0.00	€6,092.61	−€154.75

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
TapTap Send	0.8840	$0.00	€6,188.00	−€85.33
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
TapTap Send	0.8930	$0.00	€6,251.00	−€43.61
Chase	0.8774	$0.00	€6,141.65	−€152.96

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8977	–	€6,283.83
Key Currency Cheapest	0.8954	$0.00	€6,268.12	−€15.71
Regency FX	0.8953	$0.00	€6,266.86	−€16.97
TapTap Send	0.8930	$0.00	€6,251.00	−€32.83
Chase	0.8757	$0.00	€6,129.79	−€154.04

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8945	–	€6,261.51
Key Currency Cheapest	0.8923	$0.00	€6,245.85	−€15.66
Regency FX	0.8921	$0.00	€6,244.60	−€16.91
TapTap Send	0.8900	$0.00	€6,230.00	−€31.51
Chase	0.8725	$0.00	€6,107.59	−€153.92

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
Key Currency	0.8902	$0.00	€6,231.21	−€15.62
TapTap Send	0.8900	$0.00	€6,230.00	−€16.83
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	0.8939	–	€6,257.58
Key Currency Cheapest	0.8917	$0.00	€6,241.94	−€15.64
Regency FX	0.8915	$0.00	€6,240.68	−€16.90
TapTap Send	0.8860	$0.00	€6,202.00	−€55.58
Chase	0.8735	$0.00	€6,114.50	−€143.08

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8909	–	€6,236.31
Xe Cheapest	0.8899	$0.00	€6,229.30	−€7.01
Key Currency	0.8887	$0.00	€6,220.72	−€15.59
Regency FX	0.8885	$0.00	€6,219.48	−€16.83
TapTap Send	0.8840	$0.00	€6,188.00	−€48.31
Chase	0.8703	$0.00	€6,091.85	−€144.46

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8880	–	€6,215.83
Key Currency Cheapest	0.8858	$0.00	€6,200.29	−€15.53
Regency FX	0.8856	$0.00	€6,199.04	−€16.78
TapTap Send	0.8810	$0.00	€6,167.00	−€48.82
Chase	0.8660	$0.00	€6,061.98	−€153.85

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8943	–	€6,259.96
Key Currency Cheapest	0.8920	$0.00	€6,244.31	−€15.65
Regency FX	0.8919	$0.00	€6,243.06	−€16.90
TapTap Send	0.8810	$0.00	€6,167.00	−€92.96
Chase	0.8723	$0.00	€6,105.88	−€154.08

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8968	–	€6,277.63
Key Currency Cheapest	0.8946	$0.00	€6,261.93	−€15.70
Regency FX	0.8944	$0.00	€6,260.68	−€16.95
TapTap Send	0.8900	$0.00	€6,230.00	−€47.63
Chase	0.8757	$0.00	€6,130.05	−€147.58

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8956	–	€6,269.13
Key Currency Cheapest	0.8934	$0.00	€6,253.46	−€15.67
Regency FX	0.8932	$0.00	€6,252.20	−€16.93
TapTap Send	0.8910	$0.00	€6,237.00	−€32.13
Chase	0.8757	$0.00	€6,130.05	−€139.08

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.8907	–	€6,234.55
TapTap Send Cheapest	0.8910	$0.00	€6,237.00	+€2.45
Key Currency	0.8884	$0.00	€6,218.96	−€15.59
Regency FX	0.8882	$0.00	€6,217.72	−€16.83
Chase	0.8736	$0.00	€6,115.23	−€119.32