Send money from Europe to the USA
Transfer Euros to US Dollars without the bank markup. X Rate Capital prices EUR→USD off the live interbank market, settles same-day on wires, one to two days on ACH over Fedwire or ACH, and puts a named specialist on every transfer.
Sending the other way? Send money from the USA to Europe.
More routes: Europe transfers · USA transfers
What people use us for in the USA
Buying property in USA
Deposits, staged payments and completion on a American purchase — rate locked when you commit, funds landing over Fedwire or ACH on the day they're due.
Relocating to USA
Move savings, salary and pension income from Europe without losing 3–4% to your bank each time. Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes.
Family & living costs
Regular or one-off support for family in USA, settling same-day on wires, one to two days on ACH, with scheduled transfers and a full audit trail.
Paying American suppliers
Pay suppliers, contractors or staff in US Dollars with batch payments, forward cover on your margin, and transparent EUR/USD pricing.
Where the savings actually come from.
A high-street bank pricing EUR/USD builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over Fedwire or ACH, so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most Europe-to-USA transfers we handle are US property, university fees, business expansion and investment accounts — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, EUR/USD transfers settle same-day on wires, one to two days on ACH, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your Europe funding and your USA beneficiary before the first trade.
Fund over SEPA
Send Euros to your account using SEPA. Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes.
Settle into USA
We book EUR/USD at the live rate and pay out over Fedwire or ACH — same-day on wires, one to two days on ACH. Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two.
Frequently asked questions
How long does a transfer from Europe to the USA take?+
Funds reach the beneficiary over Fedwire or ACH, typically same-day on wires, one to two days on ACH once your money has cleared with us and the beneficiary is verified. Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two. US banks commonly deduct correspondent fees from incoming wires — we route to avoid that where possible. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of Europe?+
Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes. On the receiving side: Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two. US banks commonly deduct correspondent fees from incoming wires — we route to avoid that where possible.
Are there fees to send EUR to USD?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
How much could I save versus my bank on a EUR/USD transfer?+
On a typical bank margin of 2–4%, a £50,000-equivalent transfer costs £1,000–£2,000 in spread you never see itemised. Our margin is a fraction of that and shown to you before you commit. The calculator above gives you an indicative EUR/USD figure to compare against your bank's quote.
What are people usually sending EUR to USD for?+
Most EUR/USD volume we handle is driven by US property, university fees, business expansion and investment accounts. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.