Send Money from Spain to Chile

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Chilean pesos rather than the headline fee.

At €1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about €10.11 all in, or 1.01% of the amount sent. Western Union is next at about €11.09. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to €100, Western Union costs least on this corridor; from €250 upwards, Wise does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are bank deposit and cash pickup. The most widely used options in Chile are bank deposit to the major Chilean banks, plus cash pickup and card payout. Chile has floated its currency freely since 1999 and runs no parallel exchange rate, so the quoted rate reflects a single market rate. Not every provider supports every method, so check the table above before you commit.

No. Ria Money Transfer and Western Union offer cash pickup in Chile, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit to the major Chilean banks, plus cash pickup and card payout 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 CLP, 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 Spain under the Bank of Spain (Banco de España), 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.

This is one of two corridors in this hub where Wise states the amount its cost applies to. The other is Brazil, and between them they are the only Spanish corridors on this site carrying a Wise figure that can be compared with anything. Wise's card figures are withheld on this hub. Read twice on the same day, its account, bank-transfer, open-banking and wallet rows returned identical figures while its debit and credit card rows moved by more than twice — on Brazil the debit row went from 46.89 to 18.72 EUR and on Chile from 17.91 to 46.17. A number that moves that far between two readings an hour apart is not a price, so only the rows that held are published. The open-banking row on Wise's table — it labels it PISP — is a Spanish bank payment authorised directly rather than a card, and it appears because Spain is an EU member. It is consistently among the cheapest ways to fund a transfer here and it is the row most senders never notice, because the card sits above it in the list. Chile is a higher-income destination than most Spanish corridors reach, and the money moves in both directions — Chilean professionals in Spain and Spanish residents with Chilean ties. That mix means larger, less frequent transfers, where a fee difference of a few euro matters far less than a rate difference of half a percent.