Corridor EUR → USD · Euro to US dollar
What does it cost to send euros to United States?
On 15 October 2026, the most a recipient in United States got for 1,000 EUR was 1,113.84 USD via Wise: a true cost of 6.21 EUR (0.62%) including fee and rate markup. The last of 19 quotes cost 5.48%.
Transfer cost receipt · EUR → USD
Most to the recipient: Wise transfer service
- You send
- 1,000.00 EUR
- Upfront fee
- −6.21 EUR
- Amount converted
- 993.79 EUR
- Rate given
- 1.1208
- Mid-market when quoted
- 1.1208
- Exchange-rate markup inside the rate
- 0.00 EUR 0.00%
- True total cost
- 6.21 EUR 0.62%
- Recipient gets
- 1,113.84 USD
Picking the last quote in this ledger (Sparkasse) instead would leave the recipient 54.36 USD short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:56 UTC. Quote collected 15 Oct 2026, 14:55 UTC; provider delivery estimate ~24 h. Source: Wise public comparison data.
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Every quote for 1,000 EUR → USD
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 6.21 EUR | 0.00% | 6.21 EUR | 0.62% | 1,113.84 USD | best |
| 2. Instaremservice | 0.00 EUR | 0.63% | 6.33 EUR | 0.63% | 1,113.76 USD | −0.08 USD |
| 3. Remitlyservice | 2.99 EUR | 0.78% | 10.81 EUR | 1.08% | 1,108.73 USD | −5.11 USD |
| 4. Banco Santander ESbank 2d old | 0.00 EUR | 1.65% | 16.53 EUR | 1.65% | 1,102.32 USD | −11.52 USD |
| 5. ABN AMRO Bankbank | 10.00 EUR | 0.80% | 17.93 EUR | 1.79% | 1,100.75 USD | −13.09 USD |
| 6. Rabobankbank | 16.00 EUR | 0.45% | 20.45 EUR | 2.05% | 1,097.92 USD | −15.92 USD |
| 7. Monesebank | 20.00 EUR | 0.06% | 20.61 EUR | 2.06% | 1,097.75 USD | −16.09 USD |
| 8. WorldRemitservice 2d old | 1.99 EUR | 2.21% | 24.06 EUR | 2.41% | 1,093.89 USD | −19.95 USD |
| 9. Commerzbankbank | 15.00 EUR | 0.94% | 24.22 EUR | 2.42% | 1,093.70 USD | −20.14 USD |
| 10. OFXservice | 10.00 EUR | 1.75% | 27.30 EUR | 2.73% | 1,090.25 USD | −23.59 USD |
| 11. Western Unionservice | 2.99 EUR | 2.67% | 29.61 EUR | 2.96% | 1,087.67 USD | −26.17 USD |
| 12. ING Germanybank 2d old | 32.00 EUR | 1.01% | 41.81 EUR | 4.18% | 1,073.98 USD | −39.86 USD |
| 13. Skrillservice | 0.00 EUR | 4.81% | 48.05 EUR | 4.81% | 1,066.99 USD | −46.85 USD |
| 14. Xoomservice | 1.99 EUR | 4.63% | 48.17 EUR | 4.82% | 1,066.86 USD | −46.98 USD |
| 15. Deutsche Bankbank | 36.55 EUR | 1.27% | 48.75 EUR | 4.88% | 1,066.21 USD | −47.63 USD |
| 16. LaCaixabank | 27.00 EUR | 2.32% | 49.55 EUR | 4.96% | 1,065.31 USD | −48.53 USD |
| 17. PayPalservice | 1.99 EUR | 4.90% | 50.87 EUR | 5.09% | 1,063.83 USD | −50.01 USD |
| 18. Sabadellbank | 22.00 EUR | 2.99% | 51.28 EUR | 5.13% | 1,063.37 USD | −50.47 USD |
| 19. Sparkassebank 2d old | 50.00 EUR | 0.50% | 54.75 EUR | 5.48% | 1,059.48 USD | −54.36 USD |
| Set aside, not ranked (5): see methodology | ||||||
| BBVArate 8.55% above mid-market | 6.00 EUR | −8.55% | — | — | 1,209.36 USD | — |
| BNP Paribascollected 141 h before retrieval | 0.00 EUR | 1.23% | — | — | 1,107.09 USD | — |
| Moneygramcollected 50 h before retrieval | 5.99 EUR | 1.51% | — | — | 1,097.26 USD | — |
| UniCreditcollected 56 h before retrieval | 15.25 EUR | 1.12% | — | — | 1,091.42 USD | — |
| La Banque Postalecollected 77 h before retrieval | 37.90 EUR | −0.02% | — | — | 1,078.61 USD | — |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 EUR | Instarem | 0.70% | 21.64% | 222.59 USD | 46.94 USD | 19 |
| 1,000 EUR | Wise | 0.62% | 5.48% | 1,113.84 USD | 54.36 USD | 19 |
| 5,000 EUR | Wise | 0.50% | 4.94% | 5,574.81 USD | 247.15 USD | 17 |
What the EUR → USD numbers show
- The provider that delivers the most changes with the amount: Instarem at 200.00 EUR, Wise at 1,000.00 EUR, Wise at 5,000.00 EUR. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 EUR, true cost ranged from 0.70% (Instarem) to 21.64% (Sparkasse); the recipient would get 46.94 USD less with the last quote than with the first.
- Banks listed for this corridor averaged 3.46% in true cost at 1,000.00 EUR, against 2.79% for non-bank transfer services; on average 37% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 3 of 19 quotes at 1,000.00 EUR charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for EUR/USD on 15 October 2026 was 1.1208. The mid-market rate implied by the top quote at its collection time was 1.1208, a difference of 0.00%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 EUR → USD
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 EUR | 0.70% | 1.41 EUR | 0.70% | 222.59 USD | best |
| 2. Wiseservice | 2.47 EUR | 0.00% | 2.47 EUR | 1.24% | 221.34 USD | −1.25 USD |
| 3. Banco Santander ESbank 2d old | 0.00 EUR | 1.65% | 3.31 EUR | 1.65% | 220.46 USD | −2.13 USD |
| 4. Monesebank | 4.00 EUR | 0.06% | 4.12 EUR | 2.06% | 219.55 USD | −3.04 USD |
| 5. Remitlyservice | 2.99 EUR | 0.78% | 4.54 EUR | 2.27% | 219.09 USD | −3.50 USD |
| 6. WorldRemitservice 2d old | 1.99 EUR | 2.21% | 6.37 EUR | 3.18% | 217.03 USD | −5.56 USD |
| 7. Western Unionservice | 1.99 EUR | 2.67% | 7.28 EUR | 3.64% | 216.01 USD | −6.58 USD |
| 8. Skrillservice | 0.00 EUR | 4.81% | 9.61 EUR | 4.81% | 213.40 USD | −9.19 USD |
| 9. ABN AMRO Bankbank | 10.00 EUR | 0.80% | 11.52 EUR | 5.76% | 211.25 USD | −11.34 USD |
| 10. PayPalservice | 1.99 EUR | 4.90% | 11.69 EUR | 5.84% | 211.07 USD | −11.52 USD |
| 11. OFXservice | 10.00 EUR | 1.75% | 13.32 EUR | 6.66% | 209.24 USD | −13.35 USD |
| 12. Commerzbankbank | 12.50 EUR | 0.94% | 14.26 EUR | 7.13% | 208.19 USD | −14.40 USD |
| 13. Xoomservice | 1.99 EUR | 7.00% | 15.85 EUR | 7.92% | 206.41 USD | −16.18 USD |
| 14. Rabobankbank | 16.00 EUR | 0.45% | 16.83 EUR | 8.42% | 205.30 USD | −17.29 USD |
| 15. ING Germanybank 2d old | 22.00 EUR | 1.01% | 23.80 EUR | 11.90% | 197.49 USD | −25.10 USD |
| 16. Sabadellbank | 22.00 EUR | 2.99% | 27.33 EUR | 13.66% | 193.54 USD | −29.05 USD |
| 17. LaCaixabank | 27.00 EUR | 2.32% | 31.01 EUR | 15.50% | 189.41 USD | −33.18 USD |
| 18. Deutsche Bankbank | 36.55 EUR | 1.27% | 38.62 EUR | 19.31% | 180.88 USD | −41.71 USD |
| 19. Sparkassebank 2d old | 42.50 EUR | 0.50% | 43.29 EUR | 21.64% | 175.65 USD | −46.94 USD |
| Set aside, not ranked (5): see methodology | ||||||
| BBVArate 8.55% above mid-market | 6.00 EUR | −8.55% | — | — | 236.03 USD | — |
| BNP Paribascollected 141 h before retrieval | 0.00 EUR | 1.23% | — | — | 221.42 USD | — |
| Moneygramcollected 50 h before retrieval | 2.99 EUR | 1.51% | — | — | 217.47 USD | — |
| UniCreditcollected 56 h before retrieval | 15.25 EUR | 1.12% | — | — | 204.76 USD | — |
| La Banque Postalecollected 77 h before retrieval | 37.90 EUR | −0.02% | — | — | 181.73 USD | — |
Every quote for 5,000 EUR → USD
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 24.93 EUR | 0.00% | 24.93 EUR | 0.50% | 5,574.81 USD | best |
| 2. Instaremservice | 0.00 EUR | 0.53% | 26.75 EUR | 0.53% | 5,574.27 USD | −0.54 USD |
| 3. Rabobankbank | 16.00 EUR | 0.45% | 38.56 EUR | 0.77% | 5,561.03 USD | −13.78 USD |
| 4. Remitlyservice | 2.99 EUR | 0.78% | 42.19 EUR | 0.84% | 5,556.96 USD | −17.85 USD |
| 5. OFXservice | 0.00 EUR | 0.93% | 46.36 EUR | 0.93% | 5,552.29 USD | −22.52 USD |
| 6. ABN AMRO Bankbank | 10.00 EUR | 0.80% | 49.99 EUR | 1.00% | 5,548.22 USD | −26.59 USD |
| 7. Commerzbankbank | 15.00 EUR | 0.94% | 61.68 EUR | 1.23% | 5,535.12 USD | −39.69 USD |
| 8. Banco Santander ESbank 2d old | 0.00 EUR | 1.65% | 82.64 EUR | 1.65% | 5,511.62 USD | −63.19 USD |
| 9. Deutsche Bankbank | 36.55 EUR | 1.27% | 99.41 EUR | 1.99% | 5,492.83 USD | −81.98 USD |
| 10. Monesebank | 100.00 EUR | 0.06% | 103.06 EUR | 2.06% | 5,488.74 USD | −86.07 USD |
| 11. WorldRemitservice 2d old | 1.99 EUR | 2.21% | 112.50 EUR | 2.25% | 5,478.15 USD | −96.66 USD |
| 12. Western Unionservice | 3.99 EUR | 2.67% | 137.36 EUR | 2.75% | 5,450.28 USD | −124.53 USD |
| 13. LaCaixabank | 35.00 EUR | 2.32% | 150.08 EUR | 3.00% | 5,436.03 USD | −138.78 USD |
| 14. Xoomservice | 0.00 EUR | 3.29% | 164.50 EUR | 3.29% | 5,419.87 USD | −154.94 USD |
| 15. Sabadellbank | 37.50 EUR | 2.99% | 186.07 EUR | 3.72% | 5,395.69 USD | −179.12 USD |
| 16. Skrillservice | 0.00 EUR | 4.81% | 240.26 EUR | 4.81% | 5,334.95 USD | −239.86 USD |
| 17. PayPalservice | 1.99 EUR | 4.90% | 246.77 EUR | 4.94% | 5,327.66 USD | −247.15 USD |
| Set aside, not ranked (5): see methodology | ||||||
| BBVArate 8.55% above mid-market | 6.00 EUR | −8.55% | — | — | 6,076.00 USD | — |
| La Banque Postalecollected 77 h before retrieval | 37.90 EUR | −0.02% | — | — | 5,563.01 USD | — |
| BNP Paribascollected 141 h before retrieval | 0.00 EUR | 1.23% | — | — | 5,535.43 USD | — |
| UniCreditcollected 56 h before retrieval | 15.25 EUR | 1.12% | — | — | 5,524.68 USD | — |
| Moneygramcollected 50 h before retrieval | 9.99 EUR | 1.51% | — | — | 5,508.32 USD | — |
Read next
Questions people ask
- Which provider gave the most for 1,000 EUR sent to United States?
- Wise, with 1,113.84 USD delivered, in the snapshot retrieved 15 Oct 2026, 14:56 UTC. Its upfront fee was 6.21 EUR and its rate markup 0.00%.
- How much of the cost of sending EUR to USD is hidden in the exchange rate?
- For the 19 quotes on 1,000 EUR, rate markups ranged from 0.00% to 4.90% of the amount converted. 3 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these EUR to USD quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:56 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:56 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: eur-to-usd.json