Send money to Spain from the UK
Send money to Spain securely with competitive GBP/EUR exchange rates, no transfer fees, and expert support from currency specialists.
Send money to Spain securely with competitive GBP/EUR exchange rates, no transfer fees, and expert support from currency specialists.
£10bn transferred each year
Fully regulated in the UK and the EU
Expert guidance and 24/7 customer support
Rated Excellent on Trustpilot
Sending money to Spain is simple. With Currencies Direct, you can create a free account, agree your exchange rate and make your transfer in just a few steps. Once we've received your funds, we'll convert them into euros and send them securely to your recipient's Spanish bank account.
Register online or open an account over the phone. Our team is here to guide you through the process if you need help.
Choose when to transfer your money and secure your exchange rate online, or speak to your dedicated account manager for expert guidance.
Send us your funds via bank transfer, debit card or wallet balance. We'll convert your money and send it securely to your chosen account.
The cost of sending money to Spain depends on the interbank exchange rate at the time of your transfer, the exchange rate offered by your provider, and any margins or fees added to the transfer.
The exchange rate you get from your provider determines how many euros you’ll receive for your pound-to-euro transfer. Currency specialists tend to offer better rates than high-street banks, and it's often good to shop around.
Some providers may charge a fee for your transfer to Spain, which could be a set amount or percentage-based. Spanish banks sometimes charge their own inbound receiving fees (comisión por recepción), which can also add to the cost.
Currency markets are always moving, so the timing of your transfer can affect how many euros you get for your pounds. For example, the GBP/EUR exchange rate reached highs of €1.21 and lows of €1.13 through 2025. This could mean an €8,000 difference on a £100,000 transfer.
Exchange rates change constantly. Check the latest GBP to EUR interbank rate before sending money to Spain and see how market movements could affect your transfer.
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The exchange rates quoted in this section are based on the interbank rate. This gives you an accurate view of market performance, but it’s important to note that we cannot offer customers these rates – no provider can. Some companies advertise the interbank rates only to add on extra fees when you transfer. We buy currency at the rate banks use between themselves, rates not available to everyday businesses or individuals. We add a small increase to that rate, payable by the customer — that’s how we make our money. Customers also receive expert support throughout their transfer. If there are any additional charges, these will be made clear to you.
As a specialist currency provider, we combine competitive exchange rates with expert guidance to help you get more from your transfer. Whether you're sending a one-off payment, transferring a large sum or setting up regular payments, we'll help you find the right solution.
Get competitive GBP/EUR exchange rates with no transfer fees, helping more of your money reach its destination.
Your own dedicated currency expert is on hand to answer questions, explain your options and provide market guidance whenever you need it.
Send money to Spain with confidence. We’re authorised by the FCA and the Bank of Spain. Your funds are safeguarded, and your transfer is handled securely from start to finish.
Whether you're making a one-off payment or setting up regular transfers, we offer flexible solutions tailored to your needs, such as forward contracts and automated payments.
Banks tend to offer less competitive rates, charge higher fees and offer limited support or services. You could get a much better deal using Currencies Direct.
|
|
Currencies Direct |
Typical high-street bank |
|---|---|---|
|
Transfer fee |
£0 |
May apply |
|
Exchange rate |
Competitive specialist rates |
Exchange rate may include a larger margin |
|
Payment route |
Uses local payment networks, which can help avoid receiving fees |
May use UK-based payment networks, which can trigger inbound charges |
|
Personal support |
Dedicated account manager |
Usually limited |
|
Best for |
International money transfers |
General banking services |
“Excellent personal service and a very good product. I now use Currencies Direct for all international transfers where possible. It is easy to use, has good rates, and has much better customer service than the typical bank.” – Gary Tonge
Read the full review on Trustpilot
“A quick, safe and efficient way of sending money abroad. The staff were polite and professional and I will definitely use Currencies Direct again.” – Cathy Bane
Read the full review on Trustpilot
People send money to Spain for all sorts of reasons, from buying property and relocating overseas to supporting family or covering everyday expenses. The reason for your transfer can influence the amount you send, how often you transfer money and the services that best suit your needs.
Buying a property in Spain often involves multiple transfers, large sums and fixed completion dates. Planning in advance and having a currency expert on hand can help simplify the process and keep your payments on track.
If you're relocating to Spain, we can help you transfer pensions, savings and other regular payments. Whether you’re covering everyday living costs or moving your finances overseas, we offer flexible transfer options and ongoing support.
Send money to family or friends in Spain quickly and securely. Whether you’re helping with living expenses, education costs or a one-off payment, you can make transfers online or through our app 24/7, giving you the flexibility to send money whenever it’s needed.
Buying a property, moving savings or transferring an inheritance to Spain often involves sending a significant amount of money overseas.
Larger transfers may require additional checks, such as providing proof of identity or source of funds information, so preparing in advance can help avoid delays.
Exchange rate movements can also have a bigger impact when transferring larger sums, while planning ahead gives you more flexibility around important payment dates, such as a Spanish property completion.
Large transfers may require additional checks, so having your identification and source of funds information ready can help keep your transfer on track.
Whether you're completing a property purchase or moving savings overseas, starting the process early gives you more time to consider your options and choose when to transfer.
Tools such as forward contracts, rate alerts and market orders can help you manage exchange rate risk, which can be particularly valuable when sending large amounts of money overseas.
If you're living in Spain or managing ongoing costs there, setting up regular payments can make it easier to stay on top of your finances.
Whether you're transferring a UK pension, paying a Spanish mortgage or covering recurring local costs such as community fees (cuota de la comunidad), property tax (IBI) and utilities, automated transfers can save time and reduce the need to arrange each payment manually.
With regular payment plans, you can schedule transfers to suit your needs and explore options that help you manage future exchange rate movements.
Set up recurring transfers to Spain on a schedule that works for you, helping you manage regular expenses without arranging each payment separately.
Regular transfers can help cover mortgages, pensions, community fees, utilities and other ongoing euro payments.
Forward contracts can help customers fix an exchange rate in advance, giving greater certainty when budgeting for regular transfers.
To send money to a bank account in Spain, you'll usually need the recipient's details, the amount you want to transfer and, in some cases, additional information to meet regulatory requirements.
The recipient's full name
Their Spanish IBAN (International Bank Account Number), which starts with ‘ES’ followed by 22 digits
The name of their bank (and BIC/SWIFT code if required)
The amount you want to send
A payment reference (if applicable)
Proof of identity
Evidence of the source of your funds
The reason for your transfer
Good to know: We send eligible euro transfers to Spain through local payment networks (SEPA) rather than relying on traditional SWIFT transfers. This can help your money reach the recipient more efficiently and may reduce the risk of additional receiving fees being charged by the recipient’s bank.
Your security is our priority. We have measures in place to keep your funds safe, and we’re here to help you protect yourself from fraud. There are important steps you must take to protect yourself from fraudsters, including checking that your payee is genuine and that their account details are correct.
Ready to send money to Spain? Open a free Currencies Direct account in minutes to access competitive exchange rates, specialist transfer tools and support from a dedicated currency expert.
Once we’ve received and cleared your funds, transfers to Spain are often completed on the same day. Depending on the payment method, recipient bank and time of day, some transfers may arrive on the next working day.
We don’t charge transfer fees. The overall cost of your transfer depends on the exchange rate you secure when converting pounds to euros.
You'll typically need the recipient’s full name, their Spanish bank account details (including their IBAN), and the amount you’d like to send. For larger transfers, we may also ask for proof of identity or the source of your funds as part of our regulatory checks.
Yes. Currencies Direct is authorised by the Financial Conduct Authority in the UK (Firm Reference Number 900669) and the Bank of Spain in the EU (registration number 6716). Client funds are held in safeguarded accounts, and we use bank-level security measures to protect your transfers. Read our security of funds page for more information.
Yes. Whether you’re transferring savings, making a property payment or moving an inheritance, we can help you send large sums securely. You’ll also have access to a dedicated account manager who can guide you through the process.
Yes. You can arrange regular transfers for Spanish mortgages, pensions, utility bills or other recurring payments, helping you automate your finances and reduce admin.
The exchange rate available to you depends on market conditions at the time of your transfer. You'll always be shown your rate before you confirm your transaction, and you can also speak to one of our currency specialists about your options.
Yes. You can send euros to most personal and business bank accounts in Spain, provided you have the correct recipient details.
Customers do not usually need to manually declare standard bank transfers to Spain. However, for larger sums, banks or authorities may request evidence of the source of funds, so keeping relevant documentation is recommended. This can help answer any queries from your bank or the Spanish tax authorities (Agencia Tributaria).
Yes. We regularly help customers transfer funds for property deposits, completion payments and legal fees. If you're buying a home in Spain, visit our dedicated page on transferring money for a Spanish property purchase to learn more.
Yes. If you need to send money at a future date, a forward contract lets you secure a GBP/EUR exchange rate in advance. This can help you manage the impact of exchange rate changes, which can be particularly useful for planned payments such as a property purchase, large transfer or regular payments.
