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Send money to Europe from the UK

Send money to Europe from the UK

Grey sends money from the UK to 30 European countries directly to any bank account in euros. The live GBP-to-EUR rate and total fee are shown before you confirm. SEPA and SEPA Instant supported. Transfers from a funded Grey balance typically arrive within minutes. Grey is regulated by the FCA.
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Send money to Europe from the UK

Grey supports GBP-to-EUR transfers across 30 European countries. Every transfer goes directly into your recipient's bank account via SEPA. The exchange rate and fee are both shown before you tap Send.

Grey is regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Grey is a financial technology company, not a bank. Over 3 million people use Grey for international transfers.

Unlike a bank wire to Europe from HSBC, Barclays, or Lloyds, which typically costs £20-40 in visible fees and takes 3-5 business days, most Grey SEPA transfers arrive within minutes at a fraction of the cost.

Grey foreign bank account in Ghana
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid UK photo ID such as a passport, BRP card, or driving licence.
Fund
Add money from your UK bank account via Faster Payments. Fee: 0.8% of the deposit amount, minimum £2, capped at £10. Or send directly from your existing Grey balance.
Send
Choose the European destination country, enter your recipient's IBAN, confirm the live GBP-to-EUR rate and fee, and send. The money typically arrives within minutes via SEPA.

Grey vs your UK bank for sending to Europe

HSBC, Barclays, Lloyds, and NatWest all charge £20-40 in visible fees per international transfer to Europe. That is before the exchange rate is applied. UK bank GBP-to-EUR rates commonly run 2-4% below mid-market. On a £1,000 monthly transfer, the rate markup alone costs roughly £240 a year.
On speed
Transfer GBP-to-EUR directly to Deutsche Bank, Commerzbank, Sparkasse, and all major German banks via SEPA. Typically arrives within minutes. Competitive GBP-to-EUR rates with transparent fees.
On cost
Transfer GBP-to-EUR directly to BNP Paribas, Credit Agricole, Societe Generale, and La Banque Postale via SEPA. Typically arrives within minutes. Competitive GBP-to-EUR rates.
On transparency
Select your destination country in the Grey app to see the live GBP-to-EUR rate and the exact fee for that transfer before you confirm.

How much does it cost to send money abroad

Grey charges a 1% conversion fee capped at $6 and a 0.5% withdrawal fee capped at €10. Both are shown alongside the live GBP-to-EUR rate before you confirm. The SEPA transfer then arrives within minutes, not 3-5 business days.

The only way to compare providers accurately is to look at what your recipient actually receives in euros, not the fee number alone. Grey shows the fee and the exchange rate separately before you tap Send. The rate shown is the rate applied. There are no adjustments after the fact.

The only way to compare providers accurately is to look at what your recipient actually receives in their local currency, not the fee number alone. Grey shows the fee and the exchange rate separately before you tap Send. The rate shown is the rate applied. There are no adjustments after the fact.

Send money from the UK to Germany
Send money from the UK to Germany
Transfer GBP-to-EUR directly to Deutsche Bank, Commerzbank, Sparkasse, and all major German banks via SEPA. Typically arrives within minutes. Competitive GBP-to-EUR rates with transparent fees.
Send money from the UK to France
Send money from the UK to France
Transfer GBP-to-EUR directly to BNP Paribas, Credit Agricole, Societe Generale, and La Banque Postale via SEPA. Typically arrives within minutes. Competitive GBP-to-EUR rates.
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Best way to send money to Europe from the UK

If total cost matters most
Calculate the euros your recipient receives, not just the fee line. UK banks charge £20-40 in visible fees plus a GBP-to-EUR rate 2-4% below mid-market. Grey charges a 1% conversion fee capped at $6 and a 0.5% withdrawal fee capped at €10, both shown before you confirm.
If speed matters most
Grey SEPA transfers from a funded balance typically arrive within minutes. Faster Payments funding clears the same day. Wise typically takes 1-2 business days. UK bank wires to Europe take 3-5 business days and cost £20-40 in visible fees alone.
If you need more than just transfers
Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.
How Grey keeps your money safe
Grey is a financial technology company, not a bank. Your transfers are protected with bank-grade encryption, and banking services are provided by licensed banking partners.

Which European countries does Grey support from the UK?

Grey supports GBP-to-EUR transfers to 30 European countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, and Holy See. Grey shows the live GBP-to-EUR rate and full fee before you confirm every transfer. The rate shown is the rate applied. There are no adjustments after the fact.

Standard SEPA transfers typically arrive within one business day across all 30 supported European countries. From a funded Grey balance, most transfers initiate within seconds.
SEPA Instant settles in under 10 seconds, 24 hours a day, 365 days a year. Grey routes eligible transfers via SEPA Instant where available in the destination country.
Western Union supports GBP-to-EUR transfers via agent locations and bank accounts but charges a higher combined fee and rate margin than Grey. Grey delivers directly to European bank accounts via SEPA with a transparent fee shown before you confirm.
PayPal and Xoom support some GBP-to-EUR transfers but at higher fees and less favourable rates than Grey. Grey shows the live GBP-to-EUR rate and full fee before every transfer. No hidden margin.

FAQs

Which European countries can I send money to from the UK with Grey?
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Grey supports GBP to EUR transfers to 30 European countries via SEPA: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, and Holy See.
What is the fee for sending GBP to EUR from the UK?
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Grey charges a 1% conversion fee on GBP to EUR transfers, capped at $6 regardless of the amount. The withdrawal fee is 0.5% of the transfer amount, minimum €2, capped at €10. The Faster Payments deposit fee is 0.8% minimum £2, capped at £10. All fees are shown before you confirm.
How long does a GBP to EUR transfer take from the UK?
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Transfers from a funded Grey balance typically arrive within minutes via SEPA or SEPA Instant. If funding via Faster Payments, allow the same day for the deposit to reach your Grey account first.
What is SEPA and how does it work?
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SEPA is the Single Euro Payments Area, the bank transfer network that connects financial institutions across Europe. Grey routes GBP to EUR transfers through SEPA, which delivers to all major European banks as a standard euro credit.
What is the GBP to EUR exchange rate today?
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The live GBP to EUR rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
Is Grey regulated for sending money to Europe from the UK?
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Yes. Grey is regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Grey is a financial technology company, not a bank.
Is Grey cheaper than HSBC for sending money to Europe?
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In most cases, yes. HSBC and other UK high-street banks typically charge £20-40 per international transfer plus a GBP to EUR rate 2-4% below mid-market. Grey charges a 1% conversion fee capped at $6 and a 0.5% withdrawal fee capped at €10, both shown before you confirm.
Why is Grey's GBP to EUR conversion fee capped at $6?
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GBP to EUR is a Group A currency pair in Grey's fee structure. Group A applies a 1% conversion fee capped at $6. On a £1,000 transfer, the effective fee is well under 1%. The cap makes larger transfers to Europe predictably cheaper.
Can I send money to Europe from a GBP Grey balance?
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Yes. If you hold GBP in your Grey balance, you can send to any supported European country without waiting for a Faster Payments deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
Does my recipient in Europe need a Grey account?
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No. Your recipient does not need a Grey account. The euros arrive in their European bank account as a standard SEPA credit, the same way any domestic European transfer would appear.
How does Grey compare to Wise for sending GBP to EUR?
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Both Grey and Wise show fees and exchange rates upfront. Grey typically delivers within minutes from a funded balance via SEPA. Wise typically takes 1-2 business days for bank-funded transfers. Compare the euro amount your recipient receives in both before sending.

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