Corridor EUR → USD · Euro to US dollar
What does it cost to send euros to United States?
On 16 October 2026, the most a recipient in United States got for 1,000 EUR was 1,114.93 USD via Wise: a true cost of 6.21 EUR (0.62%) including fee and rate markup. The last of 18 quotes cost 5.74%.
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
- 1.1219
- Mid-market when quoted
- 1.1219
- Exchange-rate markup inside the rate
- 0.00 EUR 0.00%
- True total cost
- 6.21 EUR 0.62%
- Recipient gets
- 1,114.93 USD
Picking the last quote in this ledger (Sparkasse) instead would leave the recipient 57.88 USD short.
Snapshot indicative quotes retrieved 16 Oct 2026, 17:03 UTC. Quote collected 16 Oct 2026, 17:02 UTC; provider delivery estimate ~3 days. 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% | 1,114.93 USD | best |
| 2. Instaremservice | 0.00 EUR | 0.86% | 8.59 EUR | 0.86% | 1,111.77 USD | −3.16 USD |
| 3. Remitlyservice | 2.99 EUR | 0.93% | 12.27 EUR | 1.23% | 1,107.65 USD | −7.28 USD |
| 4. ABN AMRO Bankbank | 10.00 EUR | 0.86% | 18.54 EUR | 1.85% | 1,100.61 USD | −14.32 USD |
| 5. Commerzbankbank | 15.00 EUR | 0.94% | 24.27 EUR | 2.43% | 1,094.18 USD | −20.75 USD |
| 6. Rabobankbank | 16.00 EUR | 0.96% | 25.43 EUR | 2.54% | 1,092.88 USD | −22.05 USD |
| 7. UniCreditbank | 15.25 EUR | 1.18% | 26.90 EUR | 2.69% | 1,091.23 USD | −23.70 USD |
| 8. OFXservice | 10.00 EUR | 1.77% | 27.50 EUR | 2.75% | 1,090.57 USD | −24.36 USD |
| 9. Western Unionservice | 2.99 EUR | 2.69% | 29.82 EUR | 2.98% | 1,087.96 USD | −26.97 USD |
| 10. Monesebank | 30.00 EUR | 0.08% | 30.82 EUR | 3.08% | 1,086.84 USD | −28.09 USD |
| 11. Deutsche Bankbank | 36.55 EUR | 0.22% | 38.65 EUR | 3.87% | 1,078.06 USD | −36.87 USD |
| 12. La Banque Postalebank 1d old | 37.90 EUR | 0.21% | 39.92 EUR | 3.99% | 1,076.64 USD | −38.29 USD |
| 13. Skrillservice | 0.00 EUR | 4.82% | 48.21 EUR | 4.82% | 1,067.34 USD | −47.59 USD |
| 14. Xoomservice | 1.99 EUR | 4.64% | 48.30 EUR | 4.83% | 1,067.24 USD | −47.69 USD |
| 15. PayPalservice | 1.99 EUR | 4.74% | 49.28 EUR | 4.93% | 1,066.14 USD | −48.79 USD |
| 16. LaCaixabank | 27.00 EUR | 2.35% | 49.83 EUR | 4.98% | 1,065.53 USD | −49.40 USD |
| 17. Sabadellbank | 22.00 EUR | 3.00% | 51.37 EUR | 5.14% | 1,063.79 USD | −51.14 USD |
| 18. Sparkassebank | 50.00 EUR | 0.78% | 57.39 EUR | 5.74% | 1,057.05 USD | −57.88 USD |
| Set aside, not ranked (6): see methodology | ||||||
| BBVAcollected 69 h before retrieval | 6.00 EUR | −8.55% | — | — | 1,209.95 USD | — |
| BNP Paribascollected 167 h before retrieval | 0.00 EUR | 1.23% | — | — | 1,107.63 USD | — |
| Banco Santander EScollected 73 h before retrieval | 0.00 EUR | 1.65% | — | — | 1,102.87 USD | — |
| Moneygramcollected 76 h before retrieval | 5.99 EUR | 1.51% | — | — | 1,097.80 USD | — |
| WorldRemitcollected 71 h before retrieval | 1.99 EUR | 2.21% | — | — | 1,094.42 USD | — |
| ING Germanycollected 73 h before retrieval | 32.00 EUR | 1.01% | — | — | 1,074.51 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 | 0.93% | 21.86% | 222.19 USD | 46.94 USD | 18 |
| 1,000 EUR | Wise | 0.62% | 5.74% | 1,114.93 USD | 57.88 USD | 18 |
| 5,000 EUR | Wise | 0.50% | 4.82% | 5,581.03 USD | 244.33 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 0.93% (Instarem) to 21.86% (Sparkasse); the recipient would get 46.94 USD less with the last quote than with the first.
- Banks listed for this corridor averaged 3.63% in true cost at 1,000.00 EUR, against 2.88% for non-bank transfer services; on average 29% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 2 of 18 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 16 October 2026 was 1.1253. The mid-market rate implied by the top quote at its collection time was 1.1219, a difference of −0.30%. 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 | 0.93% | 1.86 EUR | 0.93% | 222.19 USD | best |
| 2. Wiseservice | 2.47 EUR | 0.00% | 2.47 EUR | 1.24% | 221.59 USD | −0.60 USD |
| 3. Remitlyservice | 2.99 EUR | 0.93% | 4.82 EUR | 2.41% | 218.87 USD | −3.32 USD |
| 4. Monesebank | 6.00 EUR | 0.08% | 6.16 EUR | 3.08% | 217.37 USD | −4.82 USD |
| 5. Western Unionservice | 1.99 EUR | 2.69% | 7.32 EUR | 3.66% | 216.07 USD | −6.12 USD |
| 6. Skrillservice | 0.00 EUR | 4.82% | 9.64 EUR | 4.82% | 213.47 USD | −8.72 USD |
| 7. PayPalservice | 1.99 EUR | 4.74% | 11.37 EUR | 5.69% | 211.53 USD | −10.66 USD |
| 8. ABN AMRO Bankbank | 10.00 EUR | 0.86% | 11.64 EUR | 5.82% | 211.23 USD | −10.96 USD |
| 9. OFXservice | 10.00 EUR | 1.77% | 13.36 EUR | 6.68% | 209.30 USD | −12.89 USD |
| 10. Commerzbankbank | 12.50 EUR | 0.94% | 14.27 EUR | 7.13% | 208.28 USD | −13.91 USD |
| 11. Xoomservice | 1.99 EUR | 7.01% | 15.86 EUR | 7.93% | 206.49 USD | −15.70 USD |
| 12. UniCreditbank | 15.25 EUR | 1.18% | 17.44 EUR | 8.72% | 204.73 USD | −17.46 USD |
| 13. Rabobankbank | 16.00 EUR | 0.96% | 17.76 EUR | 8.88% | 204.36 USD | −17.83 USD |
| 14. Sabadellbank | 22.00 EUR | 3.00% | 27.35 EUR | 13.67% | 193.61 USD | −28.58 USD |
| 15. LaCaixabank | 27.00 EUR | 2.35% | 31.06 EUR | 15.53% | 189.45 USD | −32.74 USD |
| 16. Deutsche Bankbank | 36.55 EUR | 0.22% | 36.91 EUR | 18.45% | 182.89 USD | −39.30 USD |
| 17. La Banque Postalebank 1d old | 37.90 EUR | 0.21% | 38.24 EUR | 19.12% | 181.40 USD | −40.79 USD |
| 18. Sparkassebank | 42.50 EUR | 0.78% | 43.72 EUR | 21.86% | 175.25 USD | −46.94 USD |
| Set aside, not ranked (6): see methodology | ||||||
| BBVAcollected 69 h before retrieval | 6.00 EUR | −8.55% | — | — | 236.15 USD | — |
| BNP Paribascollected 167 h before retrieval | 0.00 EUR | 1.23% | — | — | 221.53 USD | — |
| Banco Santander EScollected 73 h before retrieval | 0.00 EUR | 1.65% | — | — | 220.57 USD | — |
| Moneygramcollected 76 h before retrieval | 2.99 EUR | 1.51% | — | — | 217.58 USD | — |
| WorldRemitcollected 71 h before retrieval | 1.99 EUR | 2.21% | — | — | 217.14 USD | — |
| ING Germanycollected 73 h before retrieval | 22.00 EUR | 1.01% | — | — | 197.59 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% | 5,581.03 USD | best |
| 2. Instaremservice | 0.00 EUR | 0.76% | 38.06 EUR | 0.76% | 5,564.32 USD | −16.71 USD |
| 3. Deutsche Bankbank | 36.55 EUR | 0.22% | 47.38 EUR | 0.95% | 5,553.87 USD | −27.16 USD |
| 4. OFXservice | 0.00 EUR | 0.95% | 47.41 EUR | 0.95% | 5,553.84 USD | −27.19 USD |
| 5. La Banque Postalebank 1d old | 37.90 EUR | 0.21% | 48.30 EUR | 0.97% | 5,552.83 USD | −28.20 USD |
| 6. Remitlyservice | 2.99 EUR | 0.93% | 49.48 EUR | 0.99% | 5,551.51 USD | −29.52 USD |
| 7. ABN AMRO Bankbank | 10.00 EUR | 0.86% | 53.06 EUR | 1.06% | 5,547.50 USD | −33.53 USD |
| 8. Commerzbankbank | 15.00 EUR | 0.94% | 61.93 EUR | 1.24% | 5,537.55 USD | −43.48 USD |
| 9. Rabobankbank | 16.00 EUR | 0.96% | 63.76 EUR | 1.28% | 5,535.50 USD | −45.53 USD |
| 10. UniCreditbank | 15.25 EUR | 1.18% | 74.24 EUR | 1.48% | 5,523.74 USD | −57.29 USD |
| 11. Western Unionservice | 3.99 EUR | 2.69% | 138.45 EUR | 2.77% | 5,451.74 USD | −129.29 USD |
| 12. LaCaixabank | 35.00 EUR | 2.35% | 151.47 EUR | 3.03% | 5,437.14 USD | −143.89 USD |
| 13. Monesebank | 150.00 EUR | 0.08% | 154.10 EUR | 3.08% | 5,434.19 USD | −146.84 USD |
| 14. Xoomservice | 0.00 EUR | 3.31% | 165.28 EUR | 3.31% | 5,421.65 USD | −159.38 USD |
| 15. Sabadellbank | 37.50 EUR | 3.00% | 186.54 EUR | 3.73% | 5,397.81 USD | −183.22 USD |
| 16. PayPalservice | 1.99 EUR | 4.74% | 238.81 EUR | 4.78% | 5,339.20 USD | −241.83 USD |
| 17. Skrillservice | 0.00 EUR | 4.82% | 241.04 EUR | 4.82% | 5,336.70 USD | −244.33 USD |
| Set aside, not ranked (5): see methodology | ||||||
| BBVAcollected 69 h before retrieval | 6.00 EUR | −8.55% | — | — | 6,078.98 USD | — |
| BNP Paribascollected 167 h before retrieval | 0.00 EUR | 1.23% | — | — | 5,538.14 USD | — |
| Banco Santander EScollected 73 h before retrieval | 0.00 EUR | 1.65% | — | — | 5,514.33 USD | — |
| Moneygramcollected 76 h before retrieval | 9.99 EUR | 1.51% | — | — | 5,511.02 USD | — |
| WorldRemitcollected 71 h before retrieval | 1.99 EUR | 2.21% | — | — | 5,480.84 USD | — |
Read next
Questions people ask
- Which provider gave the most for 1,000 EUR sent to United States?
- Wise, with 1,114.93 USD delivered, in the snapshot retrieved 16 Oct 2026, 17:03 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 18 quotes on 1,000 EUR, rate markups ranged from 0.00% to 4.82% of the amount converted. 2 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 16 Oct 2026, 17:03 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 16 Oct 2026, 17:03 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (16 October 2026).
- Raw data for this page: eur-to-usd.json