Best Way to Send Money to Italy from USA (USD to EUR)

Sending money from USA to Italy: what today's data shows

RemitFinder compares 21 providers and 71 ways to send money from USA to Italy. The mid-market rate is EUR 0.8878 per USD. 14 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Italy from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 21 providers offering 71 ways to send US Dollar (USD) to Euro (EUR).

💰 Most EUR received today, by amount sent:

Five providers rank in the top three at one or more of these amounts: MoneyGram, BOSS Money, Remitly, Revolut and Regency FX.

At USD 1,000, the top three providers are Remitly, MoneyGram and BOSS Money, giving ≈ EUR 893.59, EUR 893.50 and EUR 891.20 respectively. EUR 2.39 separates Remitly in first place from BOSS Money in third.

The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.

🔀 Ways to receive, with the most received at USD 1,000:

Bank Account is the most widely offered way to receive, with 21 providers, followed by Cash Pickup (3), Debit Card (2), SEPA (1) and Revolut Account (1). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to ≈ EUR 893.59.

💱 How to get the best USD to EUR exchange rate?

The mid-market US Dollar to Euro rate today is EUR 0.8878 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is EUR 887.80, and each 1% of markup costs about EUR 8.88.

• 📊 Rates run from EUR 0.7971 to EUR 0.8948 per USD across all amounts. The top three rates are from Remitly (EUR 0.8948 for transfers up to USD 20,000), MoneyGram (EUR 0.8935 for transfers up to USD 1,000) and BOSS Money (EUR 0.8912 for transfers of USD 10 to USD 2,000).
• 📏 Typical markup: 0.17%. The median provider's best rate is 0.17% below the mid-market rate.
• ✅ 5 providers offer a rate above the mid-market rate on some amounts: BOSS Money, MoneyGram, Remitly, Wise and XE Money Transfer.
• 📈 Bigger transfers get better rates with 5 providers.
  • Cambridge Currencies gives EUR 0.8869 per USD for transfers from USD 25,001, compared with EUR 0.8856 for transfers up to USD 5,000.
  • Currency Solutions gives EUR 0.8847 per USD for transfers from USD 150,001, compared with EUR 0.8811 for transfers up to USD 25,000.
  • Instarem gives EUR 0.885 per USD for transfers from USD 50,000, compared with EUR 0.8841 for transfers up to USD 4,999.99.
  • Rutland FX gives EUR 0.8869 per USD for transfers from USD 3,368.25, compared with EUR 0.8856 for transfers up to USD 3,366.90.
  • TorFX gives EUR 0.8862 per USD for transfers from USD 200,001, compared with EUR 0.8754 for transfers up to USD 2,000.
• 💳 How you pay rarely changes the rate. At USD 1,000, 7 of the 8 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is at the mid-market rate for money received by Revolut Account, 0.18% below it in a Bank Account, 0.21% below it on a Debit Card, 0.32% below it by SEPA and 1.94% below it as Cash Pickup.

💸 What is the cheapest way to send money to Italy from USA?

At USD 1,000, the three cheapest providers today are Remitly (paying from a Bank Account, received in a Bank Account), MoneyGram (paying by Debit Card, received in a Bank Account) and BOSS Money (paying from a Bank Account, received on a Debit Card). With these providers, your recipient gets ≈ EUR 893.59, EUR 893.50 and EUR 891.20 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The typical total cost is 2.16% at USD 200, 1.80% at USD 1,000 and 2.00% at USD 5,000. At USD 1,000, all three of the cheapest providers have a total cost below zero, so your recipient gets more than at the mid-market rate.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.43%), and paying by Credit Card the highest (3.98%). On USD 1,000, that difference is worth about EUR 32 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (0.00%), and receiving as Cash Pickup the highest (3.98%). On USD 1,000, that difference is worth about EUR 35 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The cheapest combination is paying in Cash, received in a Bank Account, with a typical total cost of −0.64%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying by ACH, received as Cash Pickup, at 10.22%.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

On USD 1,000, your recipient typically gets EUR 893.50 with the cheapest combination and EUR 797.10 with the most expensive: EUR 96.40 more with the cheapest combination.

Choosing well is worth EUR 120.40 more on USD 1,000. The most your recipient can get today is ≈ EUR 893.59, and the least is EUR 773.19.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 4.99 is 2.50% of USD 200 but only 0.10% of USD 5,000.
• 🆓 14 providers charge no fee on some ways to send or some amounts: Airwallex, BOSS Money, Cambridge Currencies, Currency Solutions, Instarem, Key Currency, MoneyGram, Regency FX, Revolut, Rutland FX, Taptap Send, TorFX, Western Union and XE Money Transfer.

≈ marks amounts that include an estimated fee, where a provider does not publish its own.

🏦 How to send money from USA to Italy through a bank?

18 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 21 providers or by SEPA with 1 provider.

Bank Transfer or Card? At USD 1,000, the typical total cost is 0.43% paying from a Bank Account, 0.57% paying by ACH, 1.15% paying by Debit Card and 3.98% paying by Credit Card.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Wise publishes instant delivery.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Italy.

⚡ How to send money from USA to Italy fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup), Revolut (Revolut Account) and Wise (Bank Account).

By the times providers publish, money can arrive instantly in a Bank Account, as Cash Pickup or by Revolut Account and within 2 days by SEPA. Where no time is published, money typically arrives on a Debit Card in 1–2 days.

Speed costs little extra. At USD 1,000, the cheapest way with a published delivery time within an hour is MoneyGram (paying by Debit Card, received in a Bank Account), with a total cost of −0.64%. The cheapest way overall has a total cost of −0.65%, 0.01 percentage points less.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

• ⚡ How you pay can change the speed. With one provider, money arrives in a Bank Account in about 15 minutes when you pay by Debit Card, compared with about 3 days when you pay by ACH.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Italy from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 🥇 Remitly, MoneyGram and BOSS Money give your recipient the most on USD 1,000 today.
• 💱 Remitly, MoneyGram and BOSS Money offer the highest exchange rates, from EUR 0.8912 to EUR 0.8948 per USD.
• 🔀 Western Union offers the most ways to send (15), followed by Ria Money Transfer (12) and BOSS Money (10).
• 💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Italy.
• 🆓 14 providers have no-fee options.
• ⚡ MoneyGram, Revolut and Wise publish the fastest delivery: instant.
• 🎁 8 providers have RemitFinder deals for this corridor.

📋 All 21 providers, by what your recipient gets for USD 1,000:

At USD 1,000, 20 of the 21 providers accept the transfer. Among them, your recipient gets between EUR 866.25 and EUR 893.59, and half of the providers give at least EUR 883.95.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex USD to EUR exchange rate today

• 💱 Airwallex's US Dollar to Euro exchange rate is EUR 0.8857 per USD, 0.24% below the mid-market rate.
• 💸 Airwallex charges no fee.
• 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.
• 💰 On USD 1,000, your recipient gets EUR 885.70 with Airwallex (paying from a Bank Account, received in a Bank Account).

BOSS Money USD to EUR exchange rate today

• 💱 BOSS Money's US Dollar to Euro exchange rate runs from EUR 0.87 to EUR 0.8912 per USD. Its best rate applies to transfers of USD 10 to USD 2,000 and is 0.38% above the mid-market rate.
• 💸 BOSS Money charges no fee when you pay from a Bank Account, by Debit Card, by Mobile Wallet or by BOSS Money Wallet and USD 4.99 (USD 9.99 from USD 250.01, USD 12.99 from USD 500.01, USD 18.99 from USD 750.01, 3% from USD 1,000.01) when you pay by Credit Card.
• 🏦 With BOSS Money, you pay from a Bank Account, by Credit Card, by Debit Card, by Mobile Wallet or by BOSS Money Wallet, and your recipient gets the money in a Bank Account or on a Debit Card.
• ⏱️ With BOSS Money, money arrives in a Bank Account typically in 2–4 days and on a Debit Card typically in 1–2 days.
• 📏 BOSS Money accepts USD 10 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 891.20 with BOSS Money (paying from a Bank Account, received on a Debit Card).
• 🎁 RemitFinder exclusives for BOSS Money: $0 Fee on first 3 transfers; Refer a friend to earn USD 25.

Cambridge Currencies USD to EUR exchange rate today

• 💱 Cambridge Currencies' US Dollar to Euro exchange rate runs from EUR 0.8856 to EUR 0.8869 per USD. Its best rate applies to transfers from USD 25,001 and is 0.10% below the mid-market rate.
• 💸 Cambridge Currencies charges no fee.
• 🏦 With Cambridge Currencies, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Cambridge Currencies, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets EUR 885.58 with Cambridge Currencies (paying from a Bank Account, received in a Bank Account).

Currency Solutions USD to EUR exchange rate today

• 💱 Currency Solutions' US Dollar to Euro exchange rate runs from EUR 0.8811 to EUR 0.8847 per USD. Its best rate applies to transfers from USD 150,001 and is 0.35% below the mid-market rate.
• 💸 Currency Solutions charges no fee.
• 🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Currency Solutions, money arrives in a Bank Account in about 1 day.
• 📏 Currency Solutions accepts transfers from USD 1,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 881.14 with Currency Solutions (paying from a Bank Account, received in a Bank Account).

CurrencyFair USD to EUR exchange rate today

• 💱 CurrencyFair's US Dollar to Euro exchange rate is EUR 0.885 per USD, 0.32% below the mid-market rate.
• 💸 CurrencyFair's fee is not published for USD to EUR transfers, so amounts here include an estimated fee.
• 🏦 With CurrencyFair, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With CurrencyFair, money arrives in a Bank Account typically in 2–4 days.
• 📏 CurrencyFair accepts USD 100 to USD 99,000,000 per transfer.
• 💰 On USD 1,000, your recipient gets about EUR 883.80 with CurrencyFair (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for CurrencyFair: First 3 transfers free for RemitFinder users.

Instarem USD to EUR exchange rate today

• 💱 Instarem's US Dollar to Euro exchange rate runs from EUR 0.8841 to EUR 0.885 per USD. Its best rate applies to transfers from USD 50,000 and is 0.32% below the mid-market rate.
• 💸 Instarem charges no fee.
• 🏦 With Instarem, you pay from a Bank Account or by ACH, and your recipient gets the money in a Bank Account or by SEPA.
• ⏱️ With Instarem, money arrives in a Bank Account within 2 days and by SEPA within 2 days.
• 💰 On USD 1,000, your recipient gets EUR 884.10 with Instarem (paying from a Bank Account, received in a Bank Account).

Key Currency USD to EUR exchange rate today

• 💱 Key Currency's US Dollar to Euro exchange rate is EUR 0.8869 per USD, 0.10% below the mid-market rate.
• 💸 Key Currency charges no fee.
• 🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
• 📏 Key Currency accepts transfers from USD 6,736.50 per transfer.

MoneyGram USD to EUR exchange rate today

• 💱 MoneyGram's US Dollar to Euro exchange rate runs from EUR 0.8108 to EUR 0.8935 per USD. Its best rate applies to transfers up to USD 1,000 and is 0.64% above the mid-market rate.
• 💸 MoneyGram's fee depends on how you pay and how much you send.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes and as Cash Pickup instantly.
• 📏 MoneyGram accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 893.50 with MoneyGram (paying by Debit Card, received in a Bank Account).

OFX USD to EUR exchange rate today

• 💱 OFX's US Dollar to Euro exchange rate is EUR 0.8847 per USD, 0.35% below the mid-market rate.
• 💸 OFX's fee is not published for USD to EUR transfers, so amounts here include an estimated fee.
• 🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets about EUR 883.50 with OFX (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Panda Remit USD to EUR exchange rate today

• 💱 Panda Remit's US Dollar to Euro exchange rate is EUR 0.8863 per USD, 0.17% below the mid-market rate.
• 💸 Panda Remit charges USD 3.99.
• 🏦 With Panda Remit, you pay by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With Panda Remit, money arrives in a Bank Account in about 15 minutes.
• 📏 Panda Remit accepts USD 100 to USD 2,999 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 882.76 with Panda Remit (paying by Debit Card, received in a Bank Account).
• 🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Pangea Money Transfer USD to EUR exchange rate today

• 💱 Pangea Money Transfer's US Dollar to Euro exchange rate is EUR 0.87 per USD, 2.00% below the mid-market rate.
• 💸 Pangea Money Transfer's fee is not published for USD to EUR transfers, so amounts here include an estimated fee.
• 🏦 With Pangea Money Transfer, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Pangea Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 📏 Pangea Money Transfer accepts up to USD 6,000 per transfer.
• 💰 On USD 1,000, your recipient gets about EUR 868.82 with Pangea Money Transfer (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for Pangea Money Transfer: Get 0 fee first transfer.

Regency FX USD to EUR exchange rate today

• 💱 Regency FX's US Dollar to Euro exchange rate is EUR 0.8869 per USD, 0.10% below the mid-market rate.
• 💸 Regency FX charges no fee.
• 🏦 With Regency FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Regency FX, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets EUR 886.91 with Regency FX (paying from a Bank Account, received in a Bank Account).

Remitly USD to EUR exchange rate today

• 💱 Remitly's US Dollar to Euro exchange rate is EUR 0.8948 per USD, 0.79% above the mid-market rate.
• 💸 Remitly's fee is not published for USD to EUR transfers, so amounts here include an estimated fee.
• 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
• 📏 Remitly accepts up to USD 20,000 per transfer.
• 💰 On USD 1,000, your recipient gets about EUR 893.59 with Remitly (paying from a Bank Account, received in a Bank Account).

Revolut USD to EUR exchange rate today

• 💱 Revolut's US Dollar to Euro exchange rate is EUR 0.8878 per USD, the same as the mid-market rate.
• 💸 When you pay by Revolut Account, Revolut charges USD 75 (0.15% from USD 50,000) when your recipient gets the money in a Bank Account and no fee when your recipient gets the money by Revolut Account.
• 🏦 With Revolut, you pay by Revolut Account, and your recipient gets the money in a Bank Account or by Revolut Account.
• ⏱️ With Revolut, money arrives in a Bank Account within 2 days and by Revolut Account instantly.
• 📏 Revolut accepts USD 112.64 to USD 100,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 887.80 with Revolut (paying by Revolut Account, received by Revolut Account).
• 🎁 RemitFinder exclusive for Revolut: Sign up and get USD 20.

Ria Money Transfer USD to EUR exchange rate today

• 💱 Ria Money Transfer's US Dollar to Euro exchange rate runs from EUR 0.8684 to EUR 0.8706 per USD. Its best rate applies to transfers of USD 100 to USD 5,000 and is 1.94% below the mid-market rate.
• 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 📏 Ria Money Transfer accepts USD 100 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 866.25 with Ria Money Transfer (paying from a Bank Account, received as Cash Pickup).

Rutland FX USD to EUR exchange rate today

• 💱 Rutland FX's US Dollar to Euro exchange rate runs from EUR 0.8856 to EUR 0.8869 per USD. Its best rate applies to transfers from USD 3,368.25 and is 0.10% below the mid-market rate.
• 💸 Rutland FX charges no fee.
• 🏦 With Rutland FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Rutland FX, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets EUR 885.58 with Rutland FX (paying from a Bank Account, received in a Bank Account).

Taptap Send USD to EUR exchange rate today

• 💱 Taptap Send's US Dollar to Euro exchange rate is EUR 0.881 per USD, 0.77% below the mid-market rate.
• 💸 Taptap Send charges no fee.
• 🏦 With Taptap Send, you pay by Debit Card, and your recipient gets the money in a Bank Account.
• ⏱️ With Taptap Send, money arrives in a Bank Account typically in 2–4 days.
• 📏 Taptap Send accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 881.00 with Taptap Send (paying by Debit Card, received in a Bank Account).

TorFX USD to EUR exchange rate today

• 💱 TorFX's US Dollar to Euro exchange rate runs from EUR 0.8754 to EUR 0.8862 per USD. Its best rate applies to transfers of USD 200,001 to USD 999,999,999 and is 0.18% below the mid-market rate.
• 💸 TorFX charges no fee.
• 🏦 With TorFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With TorFX, money arrives in a Bank Account typically in 2–4 days.
• 📏 TorFX accepts up to USD 999,999,999 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 875.37 with TorFX (paying from a Bank Account, received in a Bank Account).

Western Union USD to EUR exchange rate today

• 💱 Western Union's US Dollar to Euro exchange rate runs from EUR 0.7971 to EUR 0.8806 per USD. Its best rate applies to all amounts and is 0.81% below the mid-market rate.
• 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
• 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money in a Bank Account, as Cash Pickup or on a Debit Card.
• ⏱️ With Western Union, money arrives in a Bank Account typically in 2–4 days, as Cash Pickup typically within 2 hours and on a Debit Card typically in 1–2 days.
• 💰 On USD 1,000, your recipient gets EUR 880.60 with Western Union (paying by Debit Card, received on a Debit Card).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

Wise USD to EUR exchange rate today

• 💱 Wise's US Dollar to Euro exchange rate is EUR 0.8902 per USD, 0.27% above the mid-market rate.
• 💸 Wise charges 0.29% + USD 6.98 (0.19% + USD 31.94 from USD 25,070.09) when you pay from a Bank Account, 6.42% + USD 0.83 when you pay by Credit Card or with Apple Pay and 1.52% + USD 0.87 when you pay by Debit Card.
• 🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card or with Apple Pay, and your recipient gets the money in a Bank Account.
• ⏱️ With Wise, money arrives in a Bank Account instantly.
• 📏 Wise accepts USD 3 to USD 1,000,000 per transfer.
• 💰 On USD 1,000, your recipient gets EUR 881.41 with Wise (paying from a Bank Account, received in a Bank Account).

XE Money Transfer USD to EUR exchange rate today

• 💱 XE Money Transfer's US Dollar to Euro exchange rate runs from EUR 0.8767 to EUR 0.8899 per USD. Its best rate applies to transfers of USD 1,000 to USD 1,000 and is 0.24% above the mid-market rate.
• 💸 XE Money Transfer charges no fee when you pay from a Bank Account or by ACH, 3% when you pay by Credit Card and 0.5% when you pay by Debit Card.
• 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets EUR 889.90 with XE Money Transfer (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Italy

1. Compare providers. RemitFinder lists 21 providers and 71 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying from a Bank Account has the lowest typical total cost (0.43%).
3. Choose how your recipient gets the money. Bank Account (21 providers), Cash Pickup (3 providers), Debit Card (2 providers), SEPA (1 provider) or Revolut Account (1 provider), including Poste Italiane.
4. Check the limits. Published maximums start at USD 2,999 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Italy.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Italy from USA

These FAQs use data from RemitFinder's live comparison of 21 providers for USA to Italy money transfers.

• How do I send money from USA to Italy?

  Compare 21 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Italy from USA?

  At USD 1,000, Remitly, MoneyGram and BOSS Money give your recipient the most today: ≈ EUR 893.59, EUR 893.50 and EUR 891.20 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Italy?

  At USD 1,000, the cheapest providers today are Remitly, MoneyGram and BOSS Money. The cheapest combination is paying in Cash, received in a Bank Account, with a typical total cost of −0.64%. 14 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• How much can I save by comparing providers to send money to Italy?

  At USD 1,000, your recipient gets between EUR 773.19 and ≈ EUR 893.59, depending on the provider and how you send. Comparing can get them EUR 120.40 more on one transfer. Remitly gives the most today, paying from a Bank Account, received in a Bank Account.

• What is the USD to EUR exchange rate today?

  The mid-market rate is EUR 0.8878 per USD. Providers' rates run from EUR 0.7971 to EUR 0.8948.

• Can I get a better rate than the mid-market USD to EUR rate?

  Yes. Five providers, led by Remitly, MoneyGram and BOSS Money, offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• Exchange rate or fee: what matters more when you send money to Italy?

  At USD 200, the typical fee is 0.63% of the amount, and the typical exchange rate has a markup of 1.15%. At USD 5,000, the typical fee is 0.00% of the amount, and the typical exchange rate has a markup of 1.15%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Italy lower the cost?

  Not always. The typical total cost is 2.16% at USD 200, 1.80% at USD 1,000 and 2.00% at USD 5,000. Cambridge Currencies, Currency Solutions, Instarem, Rutland FX and TorFX give a better exchange rate on larger transfers.

• Which payment method is cheapest for sending money from USA to Italy?

  Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.43%), and paying by Credit Card the highest (3.98%). On USD 1,000, that difference is worth about EUR 32 more to your recipient. The providers giving your recipient the most when paying from a Bank Account are Remitly, BOSS Money and XE Money Transfer.

• Is Debit Card cheaper than Credit Card for sending money to Italy?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 1.15%, compared with 3.98% paying by Credit Card. On USD 1,000, that difference is worth about EUR 25 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

• Which delivery method is cheapest for sending money to Italy from USA?

  Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (0.00%), and receiving as Cash Pickup the highest (3.98%). On USD 1,000, that difference is worth about EUR 35 more to your recipient. The provider giving your recipient the most when receiving by Revolut Account is Revolut.

• Is Bank Account cheaper than Cash Pickup for sending money to Italy?

  Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 1.15%, compared with 3.98% receiving as Cash Pickup. On USD 1,000, that difference is worth about EUR 25 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

• How can I send cash to Italy from USA?

  MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Italy. By published times, Cash Pickup can be ready instantly with MoneyGram.

• What is the fastest way to send money to Italy?

  By their published times, MoneyGram, Revolut and Wise deliver fastest, instantly.

• Can I send money from USA to Italy instantly?

  Yes. Four providers publish delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is EUR 893.50, with MoneyGram (paying by Debit Card, received in a Bank Account).

• How much money can I send to Italy from USA?

  Each provider sets its own limits. The lowest published maximum is USD 2,999, and 10 of 21 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Italy without fees?

  Yes, with Airwallex, BOSS Money, Cambridge Currencies, Currency Solutions, Instarem, Key Currency, MoneyGram, Regency FX, Revolut, Rutland FX, Taptap Send, TorFX, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from USA to Italy?

  RemitFinder compares 21 providers: Airwallex, BOSS Money, Cambridge Currencies, Currency Solutions, CurrencyFair, Instarem, Key Currency, MoneyGram, OFX, Panda Remit, Pangea Money Transfer, Regency FX, Remitly, Revolut, Ria Money Transfer, Rutland FX, Taptap Send, TorFX, Western Union, Wise and XE Money Transfer.

• Which app is best to send money to Italy?

  It depends on your amount and how you pay. RemitFinder compares 21 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Italy?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, 1 of the 8 providers that offer more than one way to pay changes the rate with it.