Best Way to Send Money from Italy to Georgia
Because banks shouldn't hide your money in spreads.
We expose the real cost of every transfer — the spread, the fees, the delivery time — and rank providers by what actually lands in your recipient's account. No sponsored ordering. Ever.
Which provider is cheapest to send money from Italy to Georgia in 2026?
Hover any card to see exactly what it costs you.
How has the EUR/GEL exchange rate changed recently?
vs Traditional Banks
You save up to GEL 225
on a EUR 900 transfer
Wise
BEST RATEBank of America
+5% markup + $35 wire fee
Wells Fargo
+4.5% markup + $25 wire fee
Sending euros from Italy to Georgia in 2026 is faster and cheaper than ever — if you skip the banks. Digital providers like Wise, Remitly, and Revolut deliver GEL to TBC Bank or Bank of Georgia accounts in minutes, saving 3–8% compared to SWIFT transfers.
In Georgia, recipients can access funds directly at TBC Bank, the country's largest financial institution. By using Wise instead of a traditional bank wire, your recipient gets approximately 130 GEL more on a $1,000 transfer — because digital providers pass the real exchange rate directly. Worth knowing about the local currency: Georgia's 200 lari note portrays Queen Tamar, the 12th-century ruler whose reign is considered the golden age of Georgian culture and military power.
Our verdict: For most senders, Wise offers the best combination of mid-market rates, low fees, and fast delivery to Georgian bank accounts.
Why send money from Italy to Georgia with a digital provider in 2026?
The Italy–Georgia corridor is busier than most people think. Italian employers, freelance clients paying Georgian developers, and family members supporting relatives in Tbilisi or Batumi all push euros east every month. The senders fall into three buckets: Georgians working in Milan, Rome, or Naples sending money home; Italian retirees and remote workers living in Georgia topping up local accounts; and small businesses paying contractors. For all three, banks are the worst option. An Italian high-street bank like Intesa Sanpaolo or UniCredit will typically charge €15–€25 in SWIFT fees, bury another 2–4% in the exchange rate, and take three to five working days. Digital providers crush that on every metric.
What are the transfer fees from Italy to Georgia in 2026?
Watch two numbers, not one. The flat fee is the obvious cost — usually €1 to €5 with digital providers, €15+ with banks. The hidden cost is the exchange rate markup, and it dwarfs the flat fee on anything above €300. Banks quote a "no fee" promo and then sell you GEL at 2–4% worse than the mid-market rate. On a €1,000 transfer, that's €30 you never see leave your account. Always compare the GEL amount the recipient actually receives — that's the only number that matters.
Which provider offers the best EUR to GEL exchange rate?
Wise is the cleanest deal for most senders. It uses the real mid-market rate and charges a transparent fee — typically 0.5–0.7% of the amount. Revolut is competitive on weekdays for premium-tier users, but slaps a markup on weekends when interbank markets close. Remitly often wins on the first transfer with a promo rate, then drifts back toward the pack. WorldRemit covers cash pickup well but is rarely the cheapest for bank deposits. Against an Italian bank's SWIFT route, you'll typically save 3–8% on a €1,000 transfer — real money, not marketing copy.
How long does it take to send money from Italy to Georgia?
Speed depends on the rail you pick. Wise delivers most EUR-to-GEL transfers within hours, sometimes minutes, when funded by SEPA Instant from your Italian account. Remitly's Express tier hits Georgian bank accounts in minutes for a slightly higher fee; their Economy tier takes one to two days but costs less. Use Express when you're covering rent or an emergency. Use Economy when payday lands on the 1st and rent isn't due until the 5th — the savings add up.
Where does the money land in Georgia?
Most digital providers deliver directly to Georgian bank accounts, and the two largest receiving banks in the country are TBC Bank and Bank of Georgia. Both have solid mobile apps and accept incoming international transfers in GEL without friction. Cash pickup is also widely available through partners like MoneyGram and Western Union agents in Tbilisi, Kutaisi, and Batumi. Remittances play an important role in Georgia's economy, which is why the local banking infrastructure is unusually well-tuned for incoming foreign currency — your recipient will rarely wait at a counter.
What taxes or regulations apply to EUR to GEL transfers?
Standard banking regulations apply for sending from Italy to Georgia. On the Italian side, you'll need to verify your identity under EU AML rules, and transfers above €10,000 may trigger additional reporting. Georgia doesn't tax incoming personal remittances, so your recipient gets the full GEL amount. Keep receipts if you send large or recurring sums — Italian tax authorities can ask for documentation if patterns look like undeclared income.
What is the best time to send EUR to Georgia to get the best rate?
EUR/GEL moves less wildly than majors like EUR/USD, but it still swings 1–2% across a month. Send mid-week — Tuesday to Thursday — when markets are liquid and weekend markups don't apply. Set a rate alert on Wise or Revolut and pull the trigger when the rate jumps in your favor. For amounts above €2,000, split into two transfers a week apart to average out volatility. Below €500, just send and stop overthinking it — the fee difference matters more than the rate timing.