Grey Lockup in White
EN
Select your language
English
Swahili
Select your REGION
Global icon
Global
Algeria Flag
Algeria
Brazil Flag
Brazil
China flag
China
Egypt Flag
Egypt
Ghana Flag
Ghana
India Flag
India
Indonesia Flag
Indonesia
Kenya Flag
Kenya
Mexico Flag
Mexico
Morocco Flag
Morocco
Philippines Flag
Philippines
South Africa Flag
South Africa
Tanzania Flag
Tanzania
Download brand kit
HOMEMONEY TRANSFER
Send money abroad from Ireland

Send money abroad from Ireland

Grey is a money app for people in Ireland who send abroad often enough to notice what the transfer costs. You hold euro on Grey, top it up by SEPA transfer from an Irish bank, and it converts at the moment you send. Fifty of the fifty seven destinations pay out in the currency your recipient actually uses. Seven do not, and this page names them rather than leaving you to find out at the far end.
EUR
Open a Grey account
flag
swapIcon
flag
TODAY'S RATE
-
Trusted by 3M+ people around the world
4.7
/5.0
GOOGLE PLAY •22K REVIEWS
4.6
/5.0
APP STORE • 12K REVIEWS

What Grey does from Ireland

Roughly a fifth of people living in Ireland were born somewhere else, and the country has two quite different senders because of it. One is a worker or professional sending money home, to Poland, Romania, Brazil, India, the Philippines, Nigeria, Lithuania or Latvia, and often from Drogheda, Dundalk, Ennis, Athlone, Letterkenny or Cork rather than only from Dublin. The other is an Irish household or business paying outward: a property on the continent, a son or daughter who emigrated, a supplier, or a contractor working for one of the multinationals.

The mechanism is the same for both. Your Grey balance holds euro. You top it up by SEPA transfer from an Irish current account, it sits in euro while it waits, and it converts once at the moment you send. The rate and the fee both appear before you confirm, and the rate is fixed at confirmation. Your recipient needs no Grey account; what reaches them is an ordinary credit into their own bank, or a mobile money credit where the destination works that way.

Seven destinations work differently, and a hub page should say so before its corridor pages do. Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria receive a euro credit into the recipient's local IBAN through SEPA. Grey does not convert to zloty, krona, krone, leu, koruna or forint, so the recipient's own bank converts if they want local currency. Poland and Romania are two of the largest communities in the country, which makes that a headline rather than a footnote here. Bulgaria joined the euro on 1 January 2026, so there the euro credit is simply the ordinary arrangement.

Grey serves more than 80 countries in total. Alongside the euro balance you can hold US dollars, provided by Lead Bank, and pounds, spend from a virtual Mastercard, and move money to another Grey user by GreyTag free and instantly. Transfers are encrypted and trackable from the moment you confirm until the money settles.

Grey foreign bank account in Ghana
Sign up
Every corridor out of Ireland begins in the same place, with an account that costs nothing and takes about five minutes to open. You verify once with a valid identity document, and the account is ready before you have moved any money into it.
Fund
Top up in euro by SEPA transfer from an Irish current account: AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union. Nothing converts while the balance waits.
Send
Pick the destination and enter the details it asks for, an IBAN in Europe, an IFSC code for India, a NUBAN for Nigeria. The rate and the fee are both on the screen before you commit to either.

Which currencies Grey sends to from Ireland

One euro balance reaches three different kinds of destination, and that difference matters more to a sender than the length of the country list does. Twenty one destinations take euro and never convert. Twenty nine convert once, from euro into the recipient's own currency. Seven receive euro and leave any conversion to the recipient's bank.
Euro straight through, no conversion
Germany, France, Spain, Italy, Portugal, the Netherlands, Belgium, Austria, Greece, Finland, Croatia, Cyprus, Estonia, Latvia, Lithuania, Luxembourg, Malta, Monaco, San Marino, Slovakia and Slovenia. Euro leaves Ireland and euro lands in the recipient's account, so the fee is the only figure to weigh.
One conversion, local currency out
Euro converts once and the recipient is paid in their own money: Indian rupees, Brazilian reais, Philippine pesos, Nigerian naira, Kenyan shillings, Ghanaian cedis, Egyptian pounds, Moroccan dirhams, South African rand, Mexican pesos, Chinese yuan, Turkish lira, pounds sterling and US dollars among them.
Euro credit, the recipient's bank converts
Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria. The credit reaches the local IBAN in euro through SEPA. It suits a recipient who already keeps a euro account, and it suits money being put aside better than it suits a bill due on a fixed date.

What it costs to send money out of Ireland

The rate you are shown at confirmation is the rate applied. It does not move afterwards, and the amount your recipient receives is not an estimate that settles into something else later in the day.

For the twenty one eurozone destinations there is no conversion at all, so there is nothing to compare on the rate. Euro leaves your balance and euro arrives in Germany, France, Spain, Italy, Portugal or any of the others. The fee is the whole of the cost.

For Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria there is a second cost Grey cannot show you, because it is not Grey's to set. The euro credit arrives intact. If your recipient wants zloty, krona or leu, their own bank decides the spread on that conversion. Ask them what their bank charges before deciding this is the right route, particularly if the money has to land as an exact local figure on a fixed date.

Where Grey reaches from Ireland

Grey serves more than 80 countries, and fifty seven of them have a page written from Ireland. In the eurozone: Germany, France, Spain, Italy, Portugal, the Netherlands, Belgium, Austria, Greece, Finland, Croatia, Cyprus, Estonia, Latvia, Lithuania, Luxembourg, Malta, Monaco, San Marino, Slovakia and Slovenia. By euro credit: Poland, Romania, Czechia, Hungary, Bulgaria, Sweden and Denmark. In Africa: Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, South Africa, Ethiopia, Egypt, Morocco, Senegal, Cameroon and Cote d'Ivoire. In Asia: India, Bangladesh, the Philippines, China, Indonesia, Malaysia, Thailand and Saudi Arabia. In the Americas: the United States, Canada, Brazil, Mexico, Chile and Uruguay. Plus the United Kingdom and Turkiye. Two are singled out below for opposite reasons: Poland because it is the largest community in the country and the corridor whose mechanics most need explaining, India because it is the largest of the corridors that pay out in the recipient's own currency.
Open the Poland page
Send money from Ireland to Poland
Send money from Ireland to Poland
The largest non-Irish community in the country, and the corridor this hub has to be straightest about. Grey credits euro into the Polish IBAN through SEPA rather than converting to zloty, and the recipient's own bank handles any conversion. The Poland page sets out in detail who that genuinely suits and who it does not.
Open the Poland page
Open the India page
Send money from Ireland to India
Send money from Ireland to India
The largest of the corridors from Ireland that pay out locally, and one that has grown with healthcare, pharma and tech hiring across Dublin, Cork and Galway. Euro converts once and rupees reach the account by IFSC code or a UPI ID. The rupee figure is on the screen before you confirm.
Open the India page
Everywhere else Grey reaches from Ireland
From
Ireland
To
Austria
From
Ireland
To
Bangladesh
From
Ireland
To
Belgium
From
Ireland
To
Brazil
From
Ireland
To
Bulgaria
From
Ireland
To
Cameroon
From
Ireland
To
Canada
From
Ireland
To
Chile
From
Ireland
To
China
From
Ireland
To
Cote d’Ivoire
From
Ireland
To
Croatia
From
Ireland
To
Cyprus
From
Ireland
To
Czechia
From
Ireland
To
Denmark
From
Ireland
To
Egypt
From
Ireland
To
Estonia
From
Ireland
To
Ethiopia
From
Ireland
To
Finland
From
Ireland
To
France
From
Ireland
To
Germany
From
Ireland
To
Ghana
From
Ireland
To
Greece
From
Ireland
To
Hungary
From
Ireland
To
Indonesia
From
Ireland
To
Italy
From
Ireland
To
Kenya
From
Ireland
To
Latvia
From
Ireland
To
Lithuania
From
Ireland
To
Luxembourg
From
Ireland
To
Malaysia
From
Ireland
To
Malta
From
Ireland
To
Mexico
From
Ireland
To
Monaco
From
Ireland
To
Morocco
From
Ireland
To
Netherlands
From
Ireland
To
Nigeria
From
Ireland
To
Philippines
From
Ireland
To
Portugal
From
Ireland
To
Romania
From
Ireland
To
Rwanda
From
Ireland
To
San-Marino
From
Ireland
To
Saudi Arabia
From
Ireland
To
Senegal
From
Ireland
To
Slovakia
From
Ireland
To
Slovenia
From
Ireland
To
South Africa
From
Ireland
To
Spain
From
Ireland
To
Sweden
From
Ireland
To
Tanzania
From
Ireland
To
Thailand
From
Ireland
To
Turkiye
From
Ireland
To
Uganda
From
Ireland
To
United Kingdom
From
Ireland
To
United States
From
Ireland
To
Uruguay

Choosing how to send money out of Ireland

If total cost is the question
Compare what arrives, not what is charged. A fee and a rate margin are two halves of one number, and only the amount in the recipient's currency settles the argument. On the eurozone destinations the fee is the entire cost, because nothing converts. On the seven euro credit destinations there is a further spread at the recipient's bank that no provider in Ireland can quote you.
If you send the same amount every month
The balance holds euro between sends, so money can sit in it from payday until the day you actually transfer, and the rate is fixed at the moment you confirm rather than on the day it processes. Where the person at the other end is also on Grey, GreyTag moves it free and instantly.
If euro is not the only currency you deal in
You can hold US dollars, provided by Lead Bank, and pounds alongside the euro balance, and spend from a virtual Mastercard. Contractors in Dublin, Cork and Galway invoicing American or British clients keep the currency they are paid in and convert when it suits them.
What Grey is, in plain terms
Grey is not a bank. It is an authorised financial services provider working with regulated partners in the EU.

What else a Grey account does from Ireland

Grey serves more than 80 countries, so the fifty seven destinations written from Ireland are part of the network rather than the whole of it. The same account, the same balance and the same identity check cover all of them.

The account is not only a way to send. You can hold more than one currency in it, spend from a virtual Mastercard, and move money to another Grey user by GreyTag without a fee and without a wait.

The euro balance is the default from Ireland. It fills by SEPA transfer, holds its value in euro while it waits, and converts only at the moment you send.
A US dollar balance, provided by Lead Bank, sits alongside it, with pounds as a third. Useful if you are paid in one currency, spend in another and send in a third.
A virtual Mastercard draws on the balance you already hold, so an online payment in dollars or euro does not have to be routed through a conversion you did not choose.
GreyTag moves money between two Grey accounts free and instantly, which is the quickest route whenever the person at the other end is also on Grey.

Open a Grey account from Ireland

FAQs

Which countries can I send to from Ireland with Grey?
expand
Fifty seven destinations have a page written from Ireland, across the eurozone, central Europe, Africa, Asia and the Americas. Grey serves more than 80 countries overall.
How do I move money into my Grey balance from an Irish bank?
expand
By SEPA transfer from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union. The balance then holds euro until you send.
Which destinations receive euro instead of their own currency?
expand
Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria. Grey credits euro into the local IBAN and the recipient's own bank converts it.
Does sending euro from Ireland to Germany or Spain involve a conversion?
expand
No. You hold euro and your recipient receives euro, so nothing converts on either side and the fee is the whole cost.
Why does the Poland corridor not pay out in zloty?
expand
Grey does not convert to zloty. A euro credit reaches the Polish IBAN through SEPA, and the recipient's bank converts it if they want zloty.
Does my family in India or Nigeria need a Grey account to be paid?
expand
No account is needed. The payout is an ordinary bank credit in rupees or naira into the account details you enter.
Is the exchange rate fixed when I confirm a transfer from Ireland?
expand
Yes. The rate and the fee both appear before confirmation, and the rate is fixed at the moment you confirm it.
I already use Revolut in Ireland. What does a Grey account add?
expand
Balances in US dollars provided by Lead Bank, pounds and euro, a virtual Mastercard, and the fee and rate shown separately on every destination.
Is opening a Grey account in Ireland free?
expand
Yes. The account is free, opens in about five minutes from your phone, and needs one valid identity document to verify.
Can I send from Ireland to another Grey user?
expand
GreyTag transfers between two Grey accounts are free and instant, whichever of the fifty seven destinations the other person happens to be in.
What changed for Bulgaria now that it uses the euro?
expand
Bulgaria joined the euro on 1 January 2026, so a euro credit into a Bulgarian IBAN is now simply the ordinary arrangement there.

Get digital banking
at your fingertips

Download on Google PlayDownload on Apple Store
CONTACT US
hello@grey.co
PRODUCTS
Money transferVirtual cardsCurrency exchangeForeign accountsPouchLifestyleBill PaymentsGift CardsExpense ManagementSavings
COMPANY
About usCSRCareersBlogPressPressContact
LIFESTYLE
For freelancersFor digital nomadsFor travellersJoin our community
RESOURCES
SecurityCustomer StoriesLimitless
LEGAL &SUPPORT
Privacy policyTerms of serviceAcceptable use policyHelp centerVideo tutorialsFAQ
MONEY TRANSFER
Send from USSend from UKSend from NigeriaSend from PhilippinesSend from South AfricaSend from Kenya