MoneyTransfers

How to send money to UK from Spain with the best EUR-GBP rate

Get the best deals when you transfer from Spain to the United Kingdom. Find the cheapest, fastest, and most reliable providers with the best EUR to GBP exchange rates.

Read on for analysis on the best ways to send money to United Kingdom from Spain.

Transferring the other way? Send GBP from United Kingdom to Spain instead.
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July 6th, 2025
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Best money transfer companies

Send money from Spain to United Kingdom

Last updated: Today
Mid-market rate as of 07/06/2025: 1 EUR = 0.862601 GBP
Results below are based on a 7000 EUR search
0 of 17 providers
Sponsored
Wise
Recipient gets (GBP)
£6,011.64
Full transfer details
Visit Wise
£155 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 (GBP)
£5,890.50
Full transfer details
Visit Xe
£33 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 (GBP)
£6,023.11
Full transfer details
Visit Key Currency
£166 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 (GBP)
£6,022.51
Full transfer details
Visit Currencyflow
£165 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 (GBP)
£6,021.90
Full transfer details
Visit Regency FX
£165 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
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (GBP)
£6,020.09
Full transfer details
Visit TorFx
£163 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
Currencies Direct
Recipient gets (GBP)
£6,013.70
Full transfer details
Visit Currencies Direct
£157 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
Wise
Recipient gets (GBP)
£6,011.64
Full transfer details
Visit Wise
£155 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
7
CurrencyFair
Recipient gets (GBP)
£6,001.40
Full transfer details
Visit CurrencyFair
£144 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
8
OFX
Recipient gets (GBP)
£5,973.10
Full transfer details
Visit OFX
£116 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
9
Remitly
Recipient gets (GBP)
£5,965.40
Full transfer details
Visit Remitly
£108 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
10
Profee
Recipient gets (GBP)
£5,916.77
Full transfer details
Visit Profee
£60 better than a typical bank*

"Card-to-card transfers can be received in just two minutes."

Personal account manager
Multi-currency card
Receive to bank account or debit card
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
11
Xe
Recipient gets (GBP)
£5,890.50
Full transfer details
Visit Xe
£33 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 (GBP)
£6,008.05
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (GBP)
    £5,833.62
    Not recommended
  • PayPal
    PayPal
    Recipient gets (GBP)
    £5,559.01
    Not recommended
Sponsored
Wise
Recipient gets (GBP)
£6,011.64
Full transfer details
Visit Wise
£155 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 (GBP)
£5,890.50
Full transfer details
Visit Xe
£33 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 EUR to GBP transfers.

Wise scored the highest of the 17 money transfer companies supporting EUR to GBP transfers.

For example, sending 7,000 EUR to GBP will cost you €34.42 in fees, and the recipient will get 6,011.64 GBP. The delivery time is día siguiente.

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

Wise is the top rated company for sending money from Spain (EUR) to United Kingdom (GBP) - Wise Screenshot

How to compare companies offering money transfers from Spain to United Kingdom

Summary of recent searches

Top rated for transfers from Spain to United Kingdom
Wise
Total number of ES - GB providers
17
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 Spain to United Kingdom

1
Compare providers

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

Our analysis included 17 providers that operate between Spain and United Kingdom.

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

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

Cheapest way to send money to the United Kingdom from Spain: Key Currency

Of the 17 providers compared, Key Currency is the cheapest option for sending money right now.

The cost is a combination of a fee of 0 EUR and an exchange rate for converting Euro to Pound Sterling that is 0.25% different to the mid-market rate.

We found that Key Currency is 0.01% cheaper than the second-best option.

We would recommend Key Currency for low cost, affordable transfers from Pound Sterlings to United Kingdom.

Key Currency is the cheapest way to send money from Spain (EUR) to United Kingdom (GBP) - Key Currency Screenshot

Fastest money transfers to United Kingdom from Spain: Currencyflow.

We tested 17 companies offering transfers from Euro to the United Kingdom and Currencyflow offered the quickest options.

For example, the transfer time for sending €7,000 to United Kingdom with Currencyflow is minutos - 24 horas.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Money transfers from Spain to the United Kingdom through Currencyflow have a fee of 0 EUR.

To confirm that Currencyflow was the 'fastest' option we compared 17 money transfer providers for the overall speed of sending money from Spain to the United Kingdom. This was made up of depositing Euro to a money transfer account and transfer times to the United Kingdom.

When sending quickly is a priority, Currencyflow is our recommended choice for sending into United Kingdom from Spain.

Currencyflow is the fastest way to send money from Spain (EUR) to United Kingdom (GBP) - Currencyflow Screenshot

Need to make a large transfer to the UK? Use Currencies Direct

For larger transfers, competitive pricing & strong customer service are key.

Opt for a service proven with large transfers when size matters. For large payments to the UK, your top option is Currencies Direct.

While Currencies Direct may not always be the cheapest or fastest way to send EUR to the UK, they will ensure your money is safe and give you peace of mind while your money moves to United Kingdom.

Tax implications on transfers from Spain and into the UK

When receiving money in the UK from Spain, the recipient should be aware of any legal and tax implications of the transfer.

Depending on the type of transfer being received, obligations in the UK will differ.

There are also potential tax reliefs that those receiving money in the UK from Spain should be aware of.

These are:

Type of Income/Tax

Declaration or Relief

Details

Monetary Values

Employment Income

Declaration

Salary or wages received from abroad are subject to UK income tax.

Tax rates: 20%, 40%, 45% based on income.

Self-Employment Income

Declaration

Payments from clients abroad are subject to UK income tax.

Tax rates: 20%, 40%, 45% based on income.

Pension Income

Declaration

Overseas pensions are subject to UK income tax, with possible exemptions depending on tax treaties.

Variable based on pension income.

Foreign Investments

Declaration & Relief

Gains from selling overseas assets are subject to capital gains tax, with relief under double taxation agreements.

Tax-free allowance: £12,300 (2023-2024). Tax rates: 10% or 20%.

Gifts and Inheritances

Declaration

Subject to UK inheritance tax, especially if the deceased was a UK domicile.

Threshold: £325,000. Tax rate: 40% above threshold.

Foreign Dividends

Declaration & Relief

Subject to UK income tax, with possible relief for foreign tax paid.

Tax-free dividend allowance: £1,000. Tax rates: 8.75%, 33.75%, 39.35%.

Foreign Interest

Declaration & Relief

Interest from foreign accounts is subject to UK income tax, with possible relief for foreign tax paid.

Tax-free savings allowance: £1,000 (basic rate), £500 (higher rate).

Double Taxation Relief

Relief

Relief against UK tax liability for foreign tax paid on the same income.

Varies based on foreign tax paid.

Remittance Basis (Non-Domiciled)

Declaration & Relief

Tax on foreign income and gains only if brought into the UK, with specific rules and charges.

Annual charge: £30,000 (residents of 7 out of 9 years), £60,000 (residents of 12 out of 14 years).

Reporting Requirements

Declaration

All foreign income and gains must be reported to HMRC via self-assessment tax return.

Penalties and interest for non-compliance.

Understanding the cost of moving money to United Kingdom from Spain

The total cost of money transfers to the United Kingdom from Spain, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

The Mid-Market and Exchange Rates: The current mid-market for EUR-GBP is 0.8626 GBP per Euro.

  • Using a transfer company offering an exchange rate closer to this will result in being able to buy more Pound Sterling for your Euros.

  • On average for the last week, the EUR-GBP mid-market rate has been 0.8623 GBP per Euro. This hit a high of 0.8647, and a low of 0.8583.

  • From the 17 companies compared, Wise offers the best exchange rates.

  • The biggest factor in the overall cost of sending money is the exchange rate you receive on converting EUR to GBP.

Fees: Some money transfers between Spain and the United Kingdom will be subject to fees.

Key Currency is the cheapest option overall, charging 0 EUR.

Although you should search for your send amount for actual fees as your scenario may be different.

Amount Received: Money transfer companies will show you the amount of Pound Sterling eventually received in the United Kingdom.

This number should guide you, as a higher amount of money received in the United Kingdom means a better overall cost of sending money from Spain.

How to find the best exchange rate for Euro to Pound Sterling

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

Mid-market Rate
1 
=
0.862601 
GBP

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from EUR to GBP has seen some fluctuation. On average, it stood at 0.8623.

  • During this period, the highest value recorded was 0.8647, while the lowest was 0.8583.

  • Wise, which is our recommended service to send money online from Spain to United Kingdom offers an exchange rate that is only -0.05% above the mid-market rate.

Want to secure the best EUR-Pound Sterling exchange rates?

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

Payment options for Spain to
United Kingdom money transfers

  • Bank transfers in the UK

    Bank transfers are usually the best and easiest way to send money from Spain to the United Kingdom.

    By using a money transfer company such as Key Currency for transfers from Spain to the United Kingdom, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.

    Key Currency is the cheapest money transfer company for bank transfers from the 17 we compared for transfers from EUR into the United Kingdom.

    With a fee of 0 EUR to send money from Spain to the United Kingdom, Key Currency offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from Spain to the United Kingdom with a debit or a prepaid card is available through Wise.


    Wise is one of the cheaper options for debit card payments for transfers from Spain to the United Kingdom. This cost is against a total of 17 money transfer companies offering this option.

    If you want to know more about money transfers from Spain to the United Kingdom we recommend taking a look at our top guides:

  • Credit cards

    When it comes to international credit card transfers from Spain to the United Kingdom, we recommend running a quick comparison, as not many companies will let you send money with a credit card directly.

    Be aware 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.

  • Opt for a multi-currency account to receive into GBP

    There are receiving fees to be aware of in the UK when receiving international transfers from Spain. These are specific to using a bank account to receive money. Incoming transfers are also subject to conversion into GBP as well in some scenarios.

    Bank

    Receiving Fee

    Details

    Santander

    No fee

    Santander does not charge a fee to receive an incoming international payment. However, intermediary banks and exchange rate markups may apply additional costs.

    NatWest

    £1 - £5

    NatWest charges between £1 and £5 for receiving international payments. Additional agent fees may apply depending on the intermediary banks involved.

    HSBC

    £4 - £9

    HSBC charges £4 for online payments to another HSBC account and £9 to non-HSBC accounts. Their Global Transfer service allows fee-free transfers between global HSBC accounts.

    Lloyds

    £7

    Lloyds charges £7 for receiving payments over £100. Payments in pounds from within the EU to their Basic Account are fee-free.

    Barclays

    £6 - £15

    Barclays charges £6 for online international payments and £15 for payments arranged in branch or by telephone. SEPA payments made online are fee-free.

    When receiving (or sending) payments regularly, it can pay to have access to a multi-currency account. This will give you local account details and reduce the time, and cost, of transferring money.

How we analyze the market

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


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 Spain to United Kingdom.


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


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

Money transfer company reviews

How much money can be transferred from Spain to United Kingdom?
Are there any tax implications to sending money from Spain to United Kingdom?
Can I send money from Spain to United Kingdom with MoneyTransfers.com?
What are the typical transfer fees for sending Euros to United Kingdom through various providers?
How long does it take to send money from Spain to United Kingdom?
What is the best exchange rate I can get for sending money from Spain to United Kingdom?
Are there any minimum or maximum transfer amounts for sending money from Spain to United Kingdom?
Can I schedule regular transfers between Spain and United Kingdom?

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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