Send Money from Spain to Italy

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 euros 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 bank deposit, cash pickup and mobile wallet. The most widely used options in Italy are bank deposit over SEPA, plus cash pickup. Like Spain, this is a retirement and property corridor — bank deposit dominates and cash pickup barely features. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Italy, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit over SEPA, plus 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 EUR, 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 a euro-to-euro corridor — no conversion, so Wise's fee is its cost of moving money, not a currency spread. Its balance-funded route is free; every other row, including the two card rows, held identical across two independent reads and is published in full. On a stated 1,000 EUR: 0 from a Wise account, 2.80 by bank transfer, 0.95 by open-banking PISP, 8.88 by debit card, 14.94 by credit card, Google Pay or Apple Pay — identical to the figures on this hub's Portugal and Germany corridors, since Wise's EUR-to-EUR pricing does not vary by destination once there's no conversion to price.