Find the best way to send money from the Netherlands

Sending €1,000 from the Netherlands to the UK, the US, India or Turkey cost between €18 and €35 through ABN AMRO or Rabobank in our October 2026 price check. The same transfers cost €6 to €7 with Wise. Inside the euro area the picture flips: a SEPA transfer from any Dutch bank is free.

That split is what matters when you send money from the Netherlands. Euros to another SEPA country cost nothing, while anything in another currency picks up a fixed fee, a currency surcharge and sometimes charges from banks along the way.

This guide prices the main ways to make a money transfer from the Netherlands: ING, ABN AMRO, Rabobank and bunq, the online specialists, and cash. It covers what each costs across several routes, how long it takes, the tax and reporting rules, and what you need before you start.

Who Sends Money From the Netherlands

Most money sent from the Netherlands goes to families abroad, above all in Turkey, Morocco and Suriname, the three largest origin groups in the country. Expats, knowledge migrants, students and people with homes or bills abroad make up the rest, and each group pays a different part of the price.

According to CBS figures for 2026, around 480,000 people in the Netherlands have a Turkish background, 437,000 a Moroccan one and 370,000 a Surinamese one. Add about 245,000 people with Polish roots, 219,000 with Syrian roots and close to 100,000 with an Indian background, and you have the main reasons money leaves the country every month.

Who is sending decides which cost hurts most. A worker sending €300 home each month feels every fixed fee. Someone moving €30,000 for a house in Turkey or Morocco barely notices the fee and loses hundreds to the exchange rate. A knowledge migrant paying a mortgage in India wants a predictable amount to arrive on a set date. The cheapest route for one is not always the cheapest for another.

Families sending money home

Regular family transfers are the backbone of money sent abroad from the Netherlands. They tend to be small and frequent, often a few hundred euros a month, and many recipients collect cash or use a local bank that only accepts its own currency. Morocco and Suriname in particular rely on cash pickup networks as much as on bank deposits.

On small amounts a fixed fee does real damage. Rabobank's €16 fee on a €300 transfer is more than 5 percent before the exchange rate is counted, which is why providers built for remittances price small transfers with low or zero fees.

Expats and knowledge migrants

The Netherlands has a large international workforce, from Indian IT engineers on the knowledge migrant scheme to Americans, Britons and other Europeans working in Amsterdam, Eindhoven and Rotterdam. They send money to pay loans, mortgages and family costs at home, or move savings back when they leave. If you have only just arrived, our guide to opening a bank account in the Netherlands as a foreigner covers the first step.

For this group the exchange rate matters more than the fee. A 1 percent margin on a €20,000 transfer is €200 before any fee is added, which is why the rate deserves more attention than the headline charge.

Students, freelancers and small businesses

International students pay rent and fees, Dutch freelancers pay contractors abroad, and small firms pay suppliers in pounds, dollars or lira. These payments are usually larger and less frequent than family transfers and often have a deadline, so speed and a fixed amount on arrival matter more than cash pickup.

What Dutch Banks Charge to Send Money Abroad

Dutch banks charge nothing to send euros within SEPA, but a transfer outside SEPA or in another currency costs €6 to €16 in fees plus a currency surcharge of about 0.8 to 2 percent. In our check that came to €18 to €35 on every €1,000 sent through ABN AMRO or Rabobank.

The banks call the two types differently, but the split is the same everywhere. A Europabetaling or Eurobetaling is a euro transfer to a SEPA country and is free at ING, ABN AMRO, Rabobank and bunq. A Wereldbetaling, a transfer outside SEPA or in a foreign currency, carries a fixed fee and a koersopslag, the surcharge the bank adds to the exchange rate. Our guide to international wire transfer fees explains how those charges stack up on any SWIFT payment.

Fees from ING's private customer cost overview and Wise's July 2026 check of ING, ABN AMRO's tariff page and Rabobank's quotes in Wise's comparison data. Margins measured against the mid-market rate on 22 October 2026.

ING

ING charges €6 for a Wereldbetaling sent online with shared costs, and adds a 0.85 percent surcharge when it converts into one of 19 major currencies, including US dollars, pounds, Swiss francs and Polish zloty. For other currencies, such as Indian rupees, Moroccan dirham or Turkish lira, Wise's July 2026 check put ING's surcharge at 1.25 to 1.75 percent.

On ING's published prices, €1,000 sent in dollars or pounds costs about €14.50: the €6 fee plus €8.50 in the surcharge. In rupees or lira it rises to roughly €18.50 to €23.50. If you choose to pay all costs so the full amount arrives, ING adds the receiving and intermediary charges on top. ING was not in the comparison data we used, so these figures come from its tariffs rather than a live quote.

ABN AMRO

ABN AMRO publishes one of the clearest price lists among Dutch banks. A transfer outside SEPA or in foreign currency costs €9 online and €25 through a bank employee, and the surcharge is 0.85 percent on major currencies such as the dollar and the pound, 0.95 percent on currencies including the Turkish lira, the zloty and the Singapore dollar, and 1.35 percent on a small group that includes the Egyptian pound.

In the comparison data, ABN AMRO's quoted fees ranged from €10 to €25 depending on the currency, higher than the €9 headline, so check the confirmation screen before you approve. All in, it cost €17.58 to send €1,000 in dollars, €21.69 in rupees, €22.45 in pounds, €28.87 in dirham and €32.56 in lira. ABN AMRO also charges €9 to receive money from outside SEPA, which matters if money ever comes back.

Rabobank

Rabobank does not publish a single surcharge for transfers, but its pricing shows up clearly in the comparison data: a €16 fee on every currency we checked and a margin of 0.8 to 1.0 percent on dollars, pounds, lira and dirham. On rupees the margin was 1.9 percent, which pushed the cost of a €1,000 transfer to €34.89.

Across five routes Rabobank cost €23.47 to €34.89 per €1,000. Leave out the receiving bank's BIC and Rabobank adds a surcharge, and if you choose to cover the recipient's bank charges it adds those as well. A Wereldbetaling takes three working days on average, according to Rabobank's own processing times.

bunq and other online banks

bunq, Knab and the other app-based banks are excellent for euros. SEPA transfers are free and usually instant, and bunq lets you hold some balances in other currencies. Outside the euro, their pricing is less transparent than the specialists'. bunq does not publish a fixed surcharge for international transfers, so compare the amount that will arrive in the app with a specialist's quote before you send anything sizeable.

The exchange rate margin they do not show

The mid-market rate is the midpoint between what buyers and sellers pay for a currency, the rate you see on Google or Reuters. Banks convert at a worse rate and keep the difference. To check it yourself, divide what the recipient will get by what you send and compare the result with the mid-market exchange rate at the same moment.

Here is how it looked on 22 October 2026. At the mid-market rate, €1,000 was worth $1,121.55, £837.15 or 106,256 rupees. Rabobank delivered $1,092.75, £816.98 and 102,548 rupees, and ABN AMRO $1,101.83, £818.36 and 103,951 rupees. The gap is smaller than at most US or UK banks, but with the fixed fee on top it still adds up to about two to three and a half percent of the transfer.

Hidden extras on a transfer outside SEPA

A Wereldbetaling travels by SWIFT, so one or more correspondent banks can sit between your bank and the recipient's and take a fee before the money lands. With shared costs, the default at most Dutch banks, the recipient's bank can deduct its own charge too. You can pay all costs instead, but that adds a separate charge to your side of the transfer.

Other charges appear when something goes wrong. ABN AMRO charges €20 to repair an incomplete payment and €25 to trace, stop or cancel one, plus whatever the foreign bank charges. Xoom, PayPal's transfer service, sits at the expensive end of the comparison data: it cost €47.03 on €1,000 to dollars and €74.87 to pounds, and PayPal itself typically converts at 3 to 4 percent above the mid-market rate.

The Best Ways to Send Money From the Netherlands

The cheapest way to send money from the Netherlands in another currency is an online specialist paid from your Dutch bank account. Wise, Remitly and Xe all serve customers in the Netherlands, and on our quotes Wise cost €5.76 to €6.90 per €1,000 on pounds, dollars, rupees and lira, against €17.58 to €34.89 at ABN AMRO and Rabobank.

All three hold EU licences that cover the Netherlands, so the choice comes down to the job. Wise is the strongest on price for bank deposits in major currencies and for larger amounts. Remitly is built for sending money home, with cash pickup and mobile wallets in places like Morocco and Suriname. Xe, which runs its European business from Amsterdam, suits people who want to watch the rate before a big one-off transfer.

Wise

Wise converts at the mid-market rate and charges one fee, shown before you pay. On our 22 October 2026 quotes that fee was €5.76 on €1,000 to pounds, €6.21 to dollars, €6.69 to rupees and €6.90 to lira, and it was the entire cost. Transfers to pounds, rupees and lira were estimated to arrive in about two minutes, and dollars within a day.

Wise is not the cheapest everywhere. On €1,000 to Moroccan dirham its fee was €24.16 with delivery in about three days, close to Rabobank's all-in cost, and on Surinamese dollars it charged €65.35 with a seven day estimate. Check the routes you actually use. Our full Wise review covers limits and the multi-currency account in detail.

Remitly

Remitly lets customers in the Netherlands send to more than 150 countries, including Morocco, Suriname, Turkey and India. Depending on the route you can send to a bank account, for cash pickup or to a mobile wallet. In Morocco its payout partners include Banque Populaire, Cash Plus, Wafacash and Damane Cash, which matters when your family does not use a bank.

Remitly was not in the comparison data we used, but its own site showed a strong offer for new customers: no fee on the first transfer and a promotional rate of 11.00 dirham per euro on the first €1,000 to Morocco, almost exactly the mid-market rate of 11.0148 that day. That offer applies once, so check the standard price on repeat transfers. Our Remitly review and the Remitly vs Wise comparison go deeper.

Xe

Xe's European money transfer business is XE Europe B.V., based in Amsterdam and licensed by De Nederlandsche Bank as a payment institution. Fees start at €0, and card payments carry a small extra charge. Like most providers, Xe builds its margin into the rate, so compare the amount that arrives rather than the fee. Bank transfers to Xe usually land within 24 hours.

Xe's tools suit larger one-off transfers: you can set rate alerts and send when the rate moves your way. Xe was not in the comparison data we used, so get a live quote on the day and set it against the figures in this guide. See our Xe review for how its pricing works.

Which option for which transfer

The right choice depends on where the money is going and how it needs to arrive. This is how the options line up on the transfers people actually make from the Netherlands.

How Much Does It Cost to Send Money From the Netherlands?

Sending €1,000 from the Netherlands in pounds, dollars, rupees or lira cost €6 to €7 with Wise and €18 to €35 with ABN AMRO or Rabobank in our October 2026 check. Euros within SEPA cost nothing. Dirham and Surinamese dollars were the expensive exceptions, at €24 to €39 and €65 respectively.

The table shows the total cost of a €1,000 transfer on five routes, priced on the same day from Wise's public comparison data with the Netherlands as the sending country. Total cost is the fee plus whatever the exchange rate took, measured against the mid-market rate.

Total cost on €1,000, quotes collected 22 October 2026 from Wise's public price comparison data. ING, Remitly and Xe were not in the data. Rates move by the minute, so treat small gaps as noise and large ones as the real story.

Major currencies: where the gap is widest

On pounds, dollars, rupees and lira the pattern was the same. Wise cost 0.6 to 0.7 percent all in, while ABN AMRO and Rabobank cost 1.8 to 3.5 percent once the fee and the surcharge were counted. That makes the banks three to five times the price of a specialist on the currencies most people send.

The bank results are worth reading closely. ABN AMRO was cheaper than Rabobank on dollars and rupees, and Rabobank cheaper on lira, mostly because of the fee each charged on that currency. Instarem, another specialist in the data, priced close to Wise on these routes too, which shows the gap is about banks rather than one provider.

Dirham and Surinamese dollars: where the gap narrows

Not every route rewards switching. To Moroccan dirham, Wise charged €24.16 against €26.06 at Rabobank and €28.87 at ABN AMRO, a difference of a few euros. Remitly's first transfer offer, with no fee and a rate almost at mid-market on the first €1,000, beat all of them for a new customer.

Suriname is harder still. Wise's only quote to Surinamese dollars carried a €65.35 fee and a seven day estimate, and most Dutch banks do not offer the currency at all. Many senders transfer euros or dollars to a Surinamese bank account instead, or use a remittance provider with cash pickup, so compare both before you commit.

What the gap adds up to over a year

Take €1,000 a month to the US, India or Turkey, a common pattern for families and expats. Through ABN AMRO or Rabobank that costs between €211 and €419 a year, depending on the route. Through Wise it costs €75 to €83. Switching saves roughly €130 to €340 a year on one regular transfer, and more if you send larger amounts.

How Long Does It Take to Send Money From the Netherlands?

A euro SEPA transfer from a Dutch bank usually arrives the same day and often within seconds as an instant payment. Transfers outside SEPA take one to three working days at the banks. Specialists are faster on the main routes: Wise estimated about two minutes to the UK, India and Turkey on our quotes.

Specialist times are the providers' own estimates on 22 October 2026; bank times are from the banks' processing pages and the usual SWIFT range.

Euros inside SEPA

If the recipient has a euro account anywhere in the SEPA area, from Belgium and Germany to Poland or Portugal, your Dutch bank is the fastest and cheapest option. Under the EU Instant Payments Regulation, euro instant transfers cannot cost more than a standard SEPA transfer, and they typically arrive within ten seconds, day or night.

Since October 2025, banks in the euro area also have to check the recipient's name against the IBAN before you send, a check Dutch customers already knew from the IBAN name check. It catches most typing mistakes before they cost you anything.

Transfers outside SEPA

A Wereldbetaling passes through your bank, possibly one or more correspondent banks, then the recipient's bank, and each step adds time. Cut-off times matter: Rabobank, for example, must receive a rupee payment by 11:00 for it to be processed that day and value-dated two working days later, while dollar and pound payments can go until 17:30 and settle the same day. Our guide on how long a wire transfer takes breaks down each stage.

Specialists are faster because they hold money in each country and pay out locally. Your euros land in their account in Europe and the recipient is paid from their local account, often through instant systems such as Faster Payments in the UK or IMPS in India. That is why a transfer to a British or Indian account can arrive in minutes while a bank transfer to the same account takes days.

What slows a transfer down

Most delays come from a handful of causes. Weekends and Dutch public holidays stop SWIFT processing, and holidays in the destination country can hold the payout. A first transfer with a new provider can take longer while it checks your identity, and large transfers can trigger questions about where the money came from.

How you pay matters too. Paying a specialist by instant bank transfer usually means the money reaches them in seconds, while a standard transfer can add a working day. If timing is critical, send early in the day and avoid Friday afternoons.

How to Send Money From the Netherlands, Step by Step

To transfer money from the Netherlands, open an account with a specialist, verify your ID, enter the amount and the recipient's bank, wallet or pickup details, then pay from your Dutch account by bank transfer. A bank Wereldbetaling works the same way but needs the recipient's BIC and usually costs more.

What you need before you start

You need a valid passport, Dutch ID card or residence permit and an address in the Netherlands. Providers may ask for more details as amounts grow, and for large transfers expect to show proof of where the money came from, such as a payslip, a sale contract or a bank statement. Recent arrivals can usually send as soon as they have a Dutch bank account.

For the recipient you need their full name exactly as it appears on their account plus the local details: an IBAN in Europe or Turkey, a 24-digit RIB in Morocco, an account number and IFSC code in India, a sort code and account number in the UK, or a mobile number for a wallet. Our guide to the bank details you need for a money transfer lists them by country.

With an online provider

1. Create an account and verify your identity with your passport or ID card.
2. Enter how much you want to send and check the amount your recipient will get.
3. Add the recipient's bank, wallet or cash pickup details.
4. Pay from your Dutch bank account by bank transfer, or by card where offered.
5. Track the transfer and share the reference with your recipient.

Paying by bank transfer is usually the cheapest way to fund a transfer. Card payments can carry an extra fee, and a credit card can be treated as a cash advance by its issuer.

From your own Dutch bank account

In the ING, ABN AMRO or Rabobank app, start a new transfer and enter the recipient's IBAN or account number. If the account is outside SEPA or in another currency, the app switches to a Wereldbetaling and asks for the BIC, the currency and who pays the costs. Shared costs is the default. Check the fee, the rate and the amount before you approve.

With cash

You can still walk into a money transfer office in Amsterdam, Rotterdam or The Hague and pay in cash, and for people without a Dutch bank account that may be the only option. It is usually the most expensive way to send, because agent prices and exchange rates tend to be worse than the same provider's online price, and you will need to show ID.

If you have any Dutch bank account, paying online is almost always cheaper, even when your recipient collects cash at the other end. Remitly's cash pickup in Morocco, for example, is funded from your account rather than at a counter.

Limits, Tax and Reporting When You Send Money From the Netherlands

There is no tax on sending money abroad from the Netherlands and no legal limit on how much you can transfer. Banks and providers set their own limits, large gifts can fall under Dutch gift tax, and banks must flag unusual transactions to the authorities under anti money laundering rules.

How much you can send

Your limit depends on the bank or provider and how far you have verified your identity. ING's default daily limit is €2,000, according to Wise's July 2026 check, and you can raise it in the app or send larger amounts at a branch. Specialists usually start you on lower limits and raise them once you add documents. For a property purchase or another large payment, verify your account well in advance. Our guide to transferring large sums internationally covers the extra checks.

Is there a tax on sending money from the Netherlands?

No tax applies to the transfer itself. What can apply is schenkbelasting, the Dutch gift tax, which depends on where the giver lives, so a gift from the Netherlands can fall under it even when the recipient lives abroad. The recipient is the one who owes it, above the yearly exemption.

In 2026 parents can give each child €6,908 a year tax free, or a one-off €33,129 to a child aged 18 to 40, rising to €69,009 for an expensive study. The exemption for other recipients is much lower. This is general information rather than tax advice: check with the Belastingdienst or a tax adviser before a large transfer.

Reporting rules and extra checks

Under the Wwft, the Dutch anti money laundering law, banks and payment institutions must check their customers and report unusual transactions to FIU-Nederland. That is why a large or unusual transfer can trigger questions about where the money came from. If you carry €10,000 or more in cash into or out of the EU, you must declare it to customs. Splitting a transfer into smaller amounts to avoid checks is itself a red flag, so send in one go and keep your records.

Is It Safe to Send Money From the Netherlands?

Sending money from the Netherlands through a licensed bank or payment institution is safe. Providers must hold a licence from De Nederlandsche Bank or another EU regulator that covers the Netherlands, keep customer money separate from their own, and follow EU rules on price transparency and payee checks.

Who regulates money transfers in the Netherlands

De Nederlandsche Bank supervises banks and payment institutions, and the AFM oversees how they treat customers. Providers licensed elsewhere in the EU can serve Dutch customers through passporting and appear in DNB's public register. Wise is licensed by the National Bank of Belgium, Remitly Europe by the Central Bank of Ireland, and XE Europe B.V. by DNB under licence R149006.

Bank deposits are covered by the Dutch deposit guarantee scheme up to €100,000. Payment institutions do not offer that guarantee, but they must safeguard your money in separate accounts while it is in transit. For a full breakdown, see our guide to the safest way to send money internationally.

Scams that target senders

The risk is rarely the provider. It is the person asking for the money. The most common scams aimed at Dutch senders are WhatsApp messages from a child claiming a new number and asking for an urgent payment, fake bank helpdesk calls urging you to move money to a safe account, romance scams and fake sellers who insist on a transfer. Once cash is collected at an agent, it is almost impossible to get back.

The Routes People Send on Most From the Netherlands

Suriname, Morocco and Turkey take the largest share of family money sent from the Netherlands, with India and the rest of Europe close behind. Each route has its own quirks that decide how fast and how cheaply money arrives, from euro accounts in Suriname to IBANs in Turkey and cash pickup in Morocco.

Netherlands to Suriname

Suriname is one of the most important routes from the Netherlands and one of the hardest to price. Most Dutch banks do not convert into Surinamese dollars, and Wise's quote carried a €65.35 fee with a seven day estimate. Many families send euros or dollars to a Surinamese bank account, or use cash pickup. Compare the options on our Netherlands to Suriname page.

Netherlands to Morocco

Money to Morocco can go into a bank account or be collected in cash at partners such as Wafacash, Cash Plus and Banque Populaire. Wise, Rabobank and ABN AMRO cost €24 to €29 on €1,000 in our check, so first transfer offers and cash pickup costs decide this route. See live prices on the Netherlands to Morocco page.

Netherlands to Turkey

Transfers to Turkey go to a Turkish IBAN and can arrive in minutes with a specialist. On €1,000, Wise cost €6.90 against €23.47 at Rabobank and €32.56 at ABN AMRO. With the lira moving fast, the time between your quote and the payout matters. Compare today's rates on our Netherlands to Turkey page.

Netherlands to India

Knowledge migrants make India a growing route. Transfers need the recipient's account number and IFSC code, and can pay into NRE or NRO accounts. Wise priced €1,000 at €6.69, while Rabobank cost €34.89 and ABN AMRO €21.69. Check prices on the Netherlands to India page.

Bottom Line

For euros within SEPA, your own Dutch bank is free and fast, so there is no reason to look further. If you transfer money from the Netherlands in any other currency, ING, ABN AMRO and Rabobank add a fixed fee and a surcharge that cost €18 to €35 per €1,000 on the routes we priced, while Wise cost €6 to €7 on the main currencies. On Morocco and Suriname the gap narrows, so compare Remitly's offer and the cash options there. Whatever the route, check the amount that arrives rather than the fee.

Sources

• Wise public price comparison data, EUR to GBP, USD, INR, TRY, MAD and SRD from the Netherlands, collected 22 October 2026
• ABN AMRO: Tarieven geld overmaken en ontvangen
• ING: Kostenoverzicht betaalproducten particulieren
• Wise: ING (NL) international transfer fees, rates, limits and times (sources checked July 2026)
• Rabobank: Wereldbetaling
• Rabobank: Verwerkingstijden betalingen naar het buitenland
• Remitly: Send money from the Netherlands
• Remitly: Send money from the Netherlands to Morocco
• Xe: European (EU) regulatory information, XE Europe B.V.
• AlleCijfers: Migratie Nederland, CBS figures 2026
• Knab: Belastingvrij schenken aan je kind in 2026
• Regulation (EU) 2024/886 on instant credit transfers in euro
• De Nederlandsche Bank: Public register
• European Commission: Cash controls when entering or leaving the EU
• Fraudehelpdesk