Best Way to Send Money from Greece to Romania

Why send money from Greece to Romania with a digital provider in 2026?

The Greece-to-Romania corridor is part of one of Europe's most active remittance flows. Romania is the EU's largest remittance recipient in Eastern Europe — over 3.5 million Romanians work abroad, primarily in Italy, Germany, and Spain, with a growing community in Greece supporting families back home. If you are sending money for the first time, follow these steps before picking a provider.

• Step 1: Identify why you are sending — family support, rent, a property purchase, or freelance payment. The amount and frequency determine which provider is cheapest.
• Step 2: Compare a digital provider against your Greek bank's quote for the same transfer. Banks like Piraeus, Alpha, or Eurobank typically charge 3-5% more once exchange rate markup is added.
• Step 3: Choose a digital specialist — Wise, Remitly, Revolut, or WorldRemit — because they convert EUR to RON at the mid-market rate or close to it.

What are the transfer fees from Greece to Romania in 2026?

Fees come in two layers, and you need to check both before sending.

• Step 1: Look at the upfront fee. Wise typically charges €0.50-€3 for transfers up to €1,000, while banks charge €15-€25 flat.
• Step 2: Compare the exchange rate shown to the mid-market rate (Google "EUR to RON"). The difference is the markup — banks add 2-4%, while Wise adds 0% and Revolut adds 0-0.5% on weekdays.
• Step 3: Multiply the markup by your amount. On a €2,000 transfer, a 3% markup costs €60 — far more than any flat fee.
• Step 4: Watch for receiving fees. Sending to a Romanian RON account avoids them; sending in EUR to a Romanian account often triggers a €5-€10 conversion fee on arrival.

Which provider offers the best EUR to RON exchange rate?

Run a quick comparison every time — rates shift daily.

• Step 1: Open Wise and request a quote for your exact amount. Note the RON figure the recipient will receive.
• Step 2: Check Remitly's "Economy" option for the same amount — it is often cheaper than Wise on transfers above €500.
• Step 3: If you already use Revolut, check its in-app rate on a weekday before 5pm CET to avoid weekend markup.
• Step 4: Pick the provider that delivers the most RON. Digital providers save 3-8% versus traditional banks on this route.

How long does it take to send money from Greece to Romania?

Speed depends on payment method and provider tier.

• Step 1: For urgent transfers, pay by debit card on Wise or Remitly — funds typically arrive within minutes to 2 hours.
• Step 2: For lower fees, use SEPA bank transfer from your Greek IBAN. Money arrives the same day if sent before 11am, otherwise the next business day.
• Step 3: Avoid weekends and Greek/Romanian public holidays — SEPA does not process, so a Friday afternoon transfer may not land until Tuesday.
• Step 4: Use economy options only when you can wait 1-2 business days, since they save €2-€5 but offer no real benefit on small amounts.

Where does the money land in Romania?

The two largest receiving banks in Romania are Banca Transilvania and BCR (part of Erste Group), and most digital providers can deliver directly to accounts at these banks. Follow these steps to make sure delivery is smooth.

• Step 1: Ask the recipient for their full IBAN (Romanian IBANs start with RO and have 24 characters).
• Step 2: Confirm the account currency — sending RON to a RON account avoids a second conversion.
• Step 3: If the recipient prefers cash, WorldRemit and Remitly offer pickup at Romanian post offices and partner agents.
• Step 4: For tech-savvy recipients, Revolut-to-Revolut transfers in RON are instant and free.

What taxes or regulations apply to EUR to RON transfers?

Standard banking regulations apply for sending from Greece to Romania, since both countries are EU members and SEPA participants.

• Step 1: Have your Greek tax number (AFM) and ID ready when registering with any provider.
• Step 2: For transfers above €10,000, expect to upload proof of funds — a payslip, sale contract, or bank statement.
• Step 3: Recipients in Romania do not pay tax on gifts from family, but income payments may need to be declared by the recipient.
• Step 4: Keep transfer receipts for at least five years in case of an audit by Greek or Romanian tax authorities.

What is the best time to send EUR to Romania to get the best rate?

Timing can save you a meaningful amount on larger transfers.

• Step 1: Send Tuesday to Thursday between 9am and 4pm CET, when EUR/RON liquidity is strongest.
• Step 2: Set a rate alert on Wise or Revolut at your target rate — you will get a notification when it hits.
• Step 3: For amounts above €5,000, consider splitting the transfer across two days to average out rate swings.
• Step 4: Avoid sending during Romanian National Bank announcements or Greek market holidays, when spreads widen.