Corridor USD → EUR · US dollar to Euro
What does it cost to send US dollars to the eurozone?
On 15 October 2026, the most a recipient in the eurozone got for 1,000 USD was 887.89 EUR via Remitly: a true cost of 3.48 USD (0.35%) including fee and rate markup. The last of 9 quotes cost 4.44%.
Transfer cost receipt · USD → EUR
Most to the recipient: Remitly transfer service
- You send
- 1,000.00 USD
- Upfront fee
- 0.00 USD
- Amount converted
- 1,000.00 USD
- Rate given
- 0.887886
- Mid-market when quoted
- 0.890988
- Exchange-rate markup inside the rate
- 3.48 USD 0.35%
- True total cost
- 3.48 USD 0.35%
- Recipient gets
- 887.89 EUR
Picking the last quote in this ledger (PayPal) instead would leave the recipient 36.50 EUR short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:55 UTC. Quote collected 15 Oct 2026, 14:44 UTC. Source: Wise public comparison data.
Plain link to the provider's official site. No commission.
Every quote for 1,000 USD → EUR
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. Remitlyservice | 0.00 USD | 0.35% | 3.48 USD | 0.35% | 887.89 EUR | best |
| 2. Instaremservice | 0.00 USD | 0.65% | 6.51 USD | 0.65% | 885.19 EUR | −2.70 EUR |
| 3. Wiseservice | 9.87 USD | 0.00% | 9.87 USD | 0.99% | 883.26 EUR | −4.63 EUR |
| 4. Western Unionservice | 0.99 USD | 0.98% | 10.80 USD | 1.08% | 881.36 EUR | −6.53 EUR |
| 5. OFXservice | 5.00 USD | 2.03% | 25.21 USD | 2.52% | 868.53 EUR | −19.36 EUR |
| 6. Wells Fargobank 2d old | 0.00 USD | 3.06% | 30.57 USD | 3.06% | 863.75 EUR | −24.14 EUR |
| 7. Chase (US)bank 2d old | 5.00 USD | 2.89% | 33.80 USD | 3.38% | 860.87 EUR | −27.02 EUR |
| 8. Xoomservice | 0.00 USD | 3.51% | 35.11 USD | 3.51% | 859.70 EUR | −28.19 EUR |
| 9. PayPalservice | 4.99 USD | 3.96% | 44.44 USD | 4.44% | 851.39 EUR | −36.50 EUR |
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 USD | Remitly | 0.35% | 7.99% | 177.58 EUR | 13.61 EUR | 9 |
| 1,000 USD | Remitly | 0.35% | 4.44% | 887.89 EUR | 36.50 EUR | 9 |
| 5,000 USD | Wise | 0.43% | 4.06% | 4,441.98 EUR | 167.93 EUR | 9 |
What the USD → EUR numbers show
- The provider that delivers the most changes with the amount: Remitly at 200.00 USD, Remitly at 1,000.00 USD, Wise at 5,000.00 USD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 USD, true cost ranged from 0.35% (Remitly) to 7.99% (Xoom); the recipient would get 13.61 EUR less with the last quote than with the first.
- Banks listed for this corridor averaged 3.22% in true cost at 1,000.00 USD, against 1.93% for non-bank transfer services; on average 93% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 3 of 9 quotes at 1,000.00 USD 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 USD/EUR on 15 October 2026 was 0.892220. The mid-market rate implied by the top quote at its collection time was 0.890988, a difference of −0.14%. 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 USD → EUR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.00 USD | 0.35% | 0.70 USD | 0.35% | 177.58 EUR | best |
| 2. Instaremservice | 0.00 USD | 0.65% | 1.30 USD | 0.65% | 177.04 EUR | −0.54 EUR |
| 3. Western Unionservice | 0.99 USD | 0.98% | 2.95 USD | 1.47% | 175.57 EUR | −2.01 EUR |
| 4. Wells Fargobank 2d old | 0.00 USD | 3.06% | 6.11 USD | 3.06% | 172.75 EUR | −4.83 EUR |
| 5. Wiseservice | 7.56 USD | 0.00% | 7.56 USD | 3.78% | 171.70 EUR | −5.88 EUR |
| 6. OFXservice | 5.00 USD | 2.03% | 8.96 USD | 4.48% | 170.21 EUR | −7.37 EUR |
| 7. Chase (US)bank 2d old | 5.00 USD | 2.89% | 10.64 USD | 5.32% | 168.71 EUR | −8.87 EUR |
| 8. PayPalservice | 4.99 USD | 3.96% | 12.72 USD | 6.36% | 166.86 EUR | −10.72 EUR |
| 9. Xoomservice | 0.00 USD | 7.99% | 15.97 USD | 7.99% | 163.97 EUR | −13.61 EUR |
Every quote for 5,000 USD → EUR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 21.43 USD | 0.00% | 21.43 USD | 0.43% | 4,441.98 EUR | best |
| 2. Remitlyservice | 0.00 USD | 0.35% | 17.41 USD | 0.35% | 4,439.43 EUR | −2.55 EUR |
| 3. Instaremservice | 0.00 USD | 0.59% | 29.75 USD | 0.59% | 4,428.44 EUR | −13.54 EUR |
| 4. Western Unionservice | 0.99 USD | 0.98% | 50.10 USD | 1.00% | 4,410.30 EUR | −31.68 EUR |
| 5. OFXservice | 0.00 USD | 1.09% | 54.42 USD | 1.09% | 4,406.45 EUR | −35.53 EUR |
| 6. Xoomservice | 0.00 USD | 2.24% | 112.19 USD | 2.24% | 4,354.98 EUR | −87.00 EUR |
| 7. Chase (US)bank 2d old | 0.00 USD | 2.42% | 121.19 USD | 2.42% | 4,346.96 EUR | −95.02 EUR |
| 8. Wells Fargobank 2d old | 0.00 USD | 3.05% | 152.31 USD | 3.05% | 4,319.23 EUR | −122.75 EUR |
| 9. PayPalservice | 4.99 USD | 3.96% | 203.02 USD | 4.06% | 4,274.05 EUR | −167.93 EUR |
What to check before paying out in eurozone
Euro payouts inside the Single Euro Payments Area use SEPA credit transfers and need an IBAN. Under EU rules, a cross-border euro payment within the EU costs the same as a domestic one from the same bank. Source: European Commission: cross-border payments.
Read next
- What do banks really charge for an international transfer?
- How do exchange-rate markups work, and how big are they?
- How can freelancers get paid from abroad without losing 5%?
- SWIFT wire or local payout: which costs less to receive?
- What is the mid-market rate and where can you check it?
- Check the hidden markup on a rate you were offered
- How RateRunner calculates true cost
Questions people ask
- Which provider gave the most for 1,000 USD sent to eurozone?
- Remitly, with 887.89 EUR delivered, in the snapshot retrieved 15 Oct 2026, 14:55 UTC. Its upfront fee was 0.00 USD and its rate markup 0.35%.
- How much of the cost of sending USD to EUR is hidden in the exchange rate?
- For the 9 quotes on 1,000 USD, rate markups ranged from 0.00% to 3.96% of the amount converted. 3 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these USD to EUR quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:55 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, 14:55 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: usd-to-eur.json