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For access to your online account please contact your personal account manager, alternatively email hello@currencyflow.com
For access to your online account please contact your personal account manager, alternatively email hello@currencyflow.com
Need to transfer money from the UK to Spain? You might be helping family, paying for a property, or just moving savings between accounts. Whatever the reason, getting the money there shouldn’t cost more than it needs to. But with banks, it often does. From poor exchange rates to added fees, small details can quietly add up.
At Currencyflow, we help individuals and businesses transfer money to Spain quickly and securely. Our clients get competitive GBP to EUR rates, no fees, and expert support for both one-off and recurring payments.
People transfer money from the UK to Spain for many different reasons. Whether it's for personal, property, or professional needs, each scenario can benefit from lower costs and better timing.
Whether it’s a flat in Barcelona or a villa on the Costa del Sol, we help buyers navigate stage payments, notary transfers, and fluctuating exchange rates. Lock in a rate ahead of completion or split transfers across construction milestones. All with SEPA speed.
If you have relatives living in Spain, whether they’re retired parents or children studying abroad, regular transfers are common. Even modest monthly payments can add up over time, and using a bank with high fees and poor rates can quietly cost you more than expected.
Students attending university or international schools in Spain often rely on support from home. From tuition to rent and living expenses, reliable transfers, at a good rate, are key to avoiding unnecessary costs.
If you’ve relocated to Spain or split your time between both countries, you may want to transfer your savings. We help convert and send GBP to EUR at rates far better than most UK banks, with fast, secure transfers to Spanish bank accounts.
Fill out our short online form. We'll send you a tailored GBP to EUR rate based on your transfer size and timing. No obligation.
Your account manager will help you set up your Currencyflow account by phone or email, whichever suits you. It’s free and takes just a few minutes.
Send your pounds to your safeguarded Currencyflow account via UK bank transfer. We’ll confirm once your funds are received.
Your money is exchanged at the agreed rate and sent to the recipient’s Spanish bank account. You can send it straight away or schedule it for later.
Even a small difference in the exchange rate can result in your recipient receiving hundreds of euros more or less. Especially when sending larger amounts, this isn’t a detail to overlook.
The mid-market rate is rarely what banks offer. They build in margins of 3–5% and don’t always make that clear. Currencyflow provides rates based on the real market, with a small transparent margin.
GBP to EUR rates fluctuate with the markets, influenced by factors such as interest rates, political news, inflation data, and investor sentiment. If you’re not in a rush, timing your transfer can make a real difference.
If you’re planning a future transfer, such as a property completion or a scheduled invoice, we offer forward contracts. These let you fix today’s exchange rate for a later date, helping you avoid surprises if the market shifts.
SEPA is a payment system used across most of Europe, including Spain. It lets you send euros across borders with low fees and fast delivery. Usually, the same day. Most Spanish banks don’t charge anything to receive the money, which helps keep things simple.
This is especially useful if you're sending money regularly, paying for a property, or transferring savings. We often send funds to CaixaBank, BBVA, Sabadell, and Santander, all of which support SEPA transfers.
Most transfers from the UK to Spain are delivered either the same day or by the next working day. Here are some factors that affect speed:
Banks typically take 2–5 working days, especially for larger transfers. Currencyflow is designed to move faster.
To send money to a Spanish bank account, you'll need:
Note: Transfers over €10,000 into Spain may require the recipient to declare them for tax purposes under Spanish gift and inheritance laws (ISD), especially if not linked to a purchase or loan.
Most transfers arrive the same day or next working day via SEPA. Timing depends on when the funds are received and whether any checks are required.
Not to send money, but if you're buying property, the recipient (or their lawyer) usually needs one for legal and tax purposes.
Transfers over €10,000 may need to be declared under Spain’s ISD (gift/inheritance tax) rules, especially if not linked to a purchase. Property payments are usually exempt, but should be documented.
Yes. We offer forward contracts that let you fix a GBP to EUR rate in advance, ideal for property completions or staged payments.
