Send Money from Portugal to Mozambique

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Mozambican meticals rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are M-Pesa, bank deposit, cash pickup and card payout. The most widely used options in Mozambique are mobile money (M-Pesa), plus bank deposit and cash pickup. Mozambique's M-Pesa is a Vodacom service and is unrelated to the Kenyan wallet of the same name — the recipient's wallet has to be a Mozambican one. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Mozambique, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, mobile money (M-Pesa), plus bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to MZN, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Portugal under the Bank of Portugal, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Treat the Wise row on this page with care. Wise's support centre does not list this destination among the countries it can send to, and answers that gap directly: a recipient in a country off the list can be reached "if their account is denominated in USD, EUR or GBP". Wise's marketing page for this same corridor says the opposite — that the recipient is paid in local currency from a Wise local bank account — but that sentence is templated and appears word for word on destinations that are on the list and destinations that are not. The pricing points the same way as the support centre: across the corridors on this site the median Wise fee is about 1 percent of the amount sent where the currency is on its supported list, against about 4.5 percent where it is missing. The figure shown here is real; what is not settled is whether the money can arrive as local currency. Confirm that with Wise before relying on it. This is the clearest case on the whole site of the cheapest route not being the obvious one. Wise's own table puts open banking at 20.38 EUR, an ordinary bank transfer at 22.18 EUR, and funding from a Wise balance — the method the provider's own guidance usually recommends — above both. Money already sitting inside the service costs more to send than money coming from outside it, by about eighteen percent. The exact Wise-balance figure is not quoted here. Two independent reads of the page returned 24.13 EUR and 24.12 EUR, a one-cent difference, so it is not published as a figure — but both reads agree on the ordering above, and the ordering is the point. Wise's card figures are not quoted either. Two reads returned 28.05 and 69.01 for the debit row and 53.73 and 30.71 for the credit row, while the open-banking, bank transfer and wallet rows came back identical both times. Remitly and Wise quoted materially different exchange rates on the same day — 78.05 metical to the euro against 73.94. That is a difference of more than five percent in the recipient's favour on Remitly's side, which on this corridor is worth far more than any difference in the fees. Rates move, so check both on the day; the lesson is that on this corridor the rate is where the money is. Mobile money cash-out in Mozambique can carry a charge applied by the network rather than the transfer service, and that sits outside every comparison including this one.