Corridor USD → EUR · US dollar to Euro
What does it cost to send US dollars to the eurozone?
On 16 October 2026, the most a recipient in the eurozone got for 1,000 USD was 889.83 EUR via Remitly: a true cost of 2.10 USD (0.21%) including fee and rate markup. The last of 7 quotes cost 4.57%.
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
- 0.889826
- Mid-market when quoted
- 0.891703
- Exchange-rate markup inside the rate
- 2.10 USD 0.21%
- True total cost
- 2.10 USD 0.21%
- Recipient gets
- 889.83 EUR
Picking the last quote in this ledger (PayPal) instead would leave the recipient 38.85 EUR short.
Snapshot indicative quotes retrieved 16 Oct 2026, 17:02 UTC. Quote collected 16 Oct 2026, 16:44 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 | 0.21% | 2.10 USD | 0.21% | 889.83 EUR | best |
| 2. Instaremservice | 0.00 USD | 0.63% | 6.26 USD | 0.63% | 886.12 EUR | −3.71 EUR |
| 3. Wiseservice | 9.87 USD | 0.00% | 9.87 USD | 0.99% | 882.43 EUR | −7.40 EUR |
| 4. Western Unionservice | 0.99 USD | 0.96% | 10.63 USD | 1.06% | 882.23 EUR | −7.60 EUR |
| 5. OFXservice | 5.00 USD | 1.82% | 23.08 USD | 2.31% | 871.13 EUR | −18.70 EUR |
| 6. Xoomservice | 0.00 USD | 3.46% | 34.57 USD | 3.46% | 860.87 EUR | −28.96 EUR |
| 7. PayPalservice | 4.99 USD | 4.09% | 45.67 USD | 4.57% | 850.98 EUR | −38.85 EUR |
| Set aside, not ranked (2): see methodology | ||||||
| Wells Fargocollected 73 h before retrieval | 0.00 USD | 3.06% | — | — | 864.44 EUR | — |
| Chase (US)collected 70 h before retrieval | 5.00 USD | 2.89% | — | — | 861.57 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 | 0.21% | 7.79% | 177.97 EUR | 13.52 EUR | 7 |
| 1,000 USD | Remitly | 0.21% | 4.57% | 889.83 EUR | 38.85 EUR | 7 |
| 5,000 USD | Remitly | 0.21% | 4.18% | 4,449.13 EUR | 177.17 EUR | 7 |
What the USD → EUR numbers show
- Remitly delivered the most at every snapshot amount (200.00 USD, 1,000.00 USD, 5,000.00 USD).
- At 200.00 USD, true cost ranged from 0.21% (Remitly) to 7.79% (Xoom); the recipient would get 13.52 EUR less with the last quote than with the first.
- 2 of 7 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 16 October 2026 was 0.888650. The mid-market rate implied by the top quote at its collection time was 0.891703, a difference of 0.34%. 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 | 0.21% | 0.42 USD | 0.21% | 177.97 EUR | best |
| 2. Instaremservice | 0.00 USD | 0.63% | 1.25 USD | 0.63% | 177.22 EUR | −0.75 EUR |
| 3. Western Unionservice | 0.99 USD | 0.96% | 2.91 USD | 1.46% | 175.75 EUR | −2.22 EUR |
| 4. Wiseservice | 7.56 USD | 0.00% | 7.56 USD | 3.78% | 171.53 EUR | −6.44 EUR |
| 5. OFXservice | 5.00 USD | 1.82% | 8.54 USD | 4.27% | 170.72 EUR | −7.25 EUR |
| 6. PayPalservice | 4.99 USD | 4.09% | 12.96 USD | 6.48% | 166.78 EUR | −11.19 EUR |
| 7. Xoomservice | 0.00 USD | 7.79% | 15.58 USD | 7.79% | 164.45 EUR | −13.52 EUR |
| Set aside, not ranked (2): see methodology | ||||||
| Wells Fargocollected 73 h before retrieval | 0.00 USD | 3.06% | — | — | 172.89 EUR | — |
| Chase (US)collected 70 h before retrieval | 5.00 USD | 2.89% | — | — | 168.85 EUR | — |
Every quote for 5,000 USD → EUR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.00 USD | 0.21% | 10.52 USD | 0.21% | 4,449.13 EUR | best |
| 2. Wiseservice | 21.43 USD | 0.00% | 21.43 USD | 0.43% | 4,437.62 EUR | −11.51 EUR |
| 3. Instaremservice | 0.00 USD | 0.57% | 28.50 USD | 0.57% | 4,433.10 EUR | −16.03 EUR |
| 4. OFXservice | 0.00 USD | 0.86% | 43.10 USD | 0.86% | 4,420.08 EUR | −29.05 EUR |
| 5. Western Unionservice | 0.99 USD | 0.96% | 49.22 USD | 0.98% | 4,414.62 EUR | −34.51 EUR |
| 6. Xoomservice | 0.00 USD | 2.19% | 109.43 USD | 2.19% | 4,360.94 EUR | −88.19 EUR |
| 7. PayPalservice | 4.99 USD | 4.09% | 209.22 USD | 4.18% | 4,271.96 EUR | −177.17 EUR |
| Set aside, not ranked (2): see methodology | ||||||
| Chase (US)collected 70 h before retrieval | 0.00 USD | 2.42% | — | — | 4,350.45 EUR | — |
| Wells Fargocollected 73 h before retrieval | 0.00 USD | 3.05% | — | — | 4,322.70 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 can freelancers get paid from abroad without losing 5%?
- How do exchange-rate markups work, and how big are they?
- 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 889.83 EUR delivered, in the snapshot retrieved 16 Oct 2026, 17:02 UTC. Its upfront fee was 0.00 USD and its rate markup 0.21%.
- How much of the cost of sending USD to EUR is hidden in the exchange rate?
- For the 7 quotes on 1,000 USD, rate markups ranged from 0.00% to 4.09% of the amount converted. 2 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 16 Oct 2026, 17:02 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, 17:02 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: usd-to-eur.json