What is the cheapest option?

Wise is the lowest-cost option in our comparison for this rail; fees vary by amount and direction.

How long does it take?

Most listed services settle within minutes to one business day, depending on the rail and counterparty.

Transfers

Quick answer

14 services connect to SEPA for EUR transfers to and from Europe. Wise ranks first.

Last updated June 2026 · Cross-checked against official sources

1
Wise95/100USD
European card for people with brasilian CPF
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2
Krak86/100USD
New fintech from Kraken crypto exchange, good for turning fiat into crypto
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3
Wallbit85/100USD
USD account in US
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4
Takenos82/100USD
USD account in US
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5
Kolo78/100USD
Free global USD card
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6
DolarApp77/100USD
Free global virtual card
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7
Tuyo77/100USD
Free global USD card
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8
Global 6675/100USD
USD/EUR/BRL/GBP/etc accounts
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SEPA transfers in Argentina: apps, fees & how-to (2026)
Service	Score	Holds USD	FX model	Card cost
Wise	95	Yes	interbank_spread	—
Krak	86	Yes	interbank_spread	—
Wallbit	85	Yes	own_rate	Virtual card costs 5 USD
Takenos	82	Yes	no_fx	Virtual card costs 5 USD + 1% commission
Kolo	78	Yes	crypto_p2p	10 USD top up to activate card
DolarApp	77	Yes	own_rate	Free global virtual & physical cards
Tuyo	77	Yes	crypto_p2p	Free virtual card
Global 66	75	Yes	interbank_spread	—

What is the cheapest option?: Wise is the lowest-cost option in our comparison for this rail; fees vary by amount and direction.
How long does it take?: Most listed services settle within minutes to one business day, depending on the rail and counterparty.