Best Way to Send Money from Netherlands to Chile
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 Netherlands to Chile in 2026?
Hover any card to see exactly what it costs you.
How has the EUR/CLP exchange rate changed recently?
vs Traditional Banks
You save up to CLP 76580
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 the Netherlands to Chilean pesos is straightforward when you skip the banks and use a digital provider. This guide walks you through choosing the right service, avoiding hidden exchange rate markups, and getting funds to Banco de Chile, Santander Chile, or fintech wallets like Mach and TENPO in minutes.
In Chile, recipients can access funds directly at Banco de Chile, the country's largest financial institution. By using Wise instead of a traditional bank wire, your recipient gets approximately 43,700 CLP more on a $1,000 transfer — because digital providers pass the real exchange rate directly. Worth knowing about the local currency: the $10,000 peso note features naval hero Arturo Prat and is printed with cotton fibre to last up to five years.
Our verdict: Use Wise or Remitly with the Economy speed option for most transfers — you'll save 3-8% versus your Dutch bank without sacrificing security.
Step 1: Understand the EUR to CLP Corridor
Before you transfer a single euro, get familiar with who uses this route and why. Most senders going from the Netherlands to Chile are Chilean expats living in Amsterdam, Rotterdam, or Utrecht supporting family back home, Dutch retirees moving funds to Chilean accounts for travel or property, freelancers paying remote contractors in Santiago, and parents funding students at universities in Valparaíso. Knowing your category matters because it shapes the right amount, frequency, and provider for your needs. Standard banking regulations apply for sending from the Netherlands to Chile — there are no special licenses required for typical personal transfers, but always declare the source of funds when prompted.
Step 2: Spot the Hidden Fees Before You Pay
Money transfer costs come in two flavors, and you need to identify both before clicking "send."
- The flat fee — usually €2 to €15, clearly displayed at checkout.
- The exchange rate markup — the silent killer, hidden inside a worse-than-mid-market rate.
To check the markup, open Google or XE.com and search "EUR to CLP" to find the mid-market rate. Then compare it to what your provider quotes you. If the gap is more than 0.5%, you are losing money on the spread. A €2,000 transfer with a 3% markup costs you €60 in invisible fees — far more than any flat fee.
Step 3: Choose a Digital Provider Over a Bank
Walking into ING, ABN AMRO, or Rabobank to wire euros to Chile is the most expensive option you can pick. Traditional banks typically apply a 3% to 8% exchange rate markup on top of SWIFT fees that can reach €25 to €40 per transfer.
Digital providers crush banks on this corridor. Follow this shortlist in order:
- Wise — uses the real mid-market rate with a transparent flat fee, ideal for amounts above €500.
- Remitly — strong for recurring family remittances, with Express and Economy speeds.
- Revolut — excellent if you already hold a multi-currency account in the EU.
- WorldRemit — solid for cash pickup or mobile wallet delivery in Chile.
Step 4: Pick the Right Speed
Speed costs money. Decide what you actually need.
- Instant or Express (minutes to a few hours) — use this for emergencies, medical bills, or rent due tomorrow. Expect to pay a small premium.
- Standard (4 to 24 hours) — the sweet spot for most personal transfers.
- Economy (1 to 3 business days) — cheapest option, perfect for non-urgent transfers and larger amounts where the savings matter.
Step 5: Choose How the Money Lands in Chile
This is where Chile shines. The Fintechile ecosystem is the most developed in South America, with platforms like Mach and TENPO offering real-time wallet credits from international transfers — meaning your recipient can see funds within minutes on their phone. For traditional bank deposits, the two largest receiving institutions are Banco de Chile and Santander Chile, and most digital providers can deliver directly to accounts at these banks without delays. Confirm with your recipient which option works best — wallet for speed, bank for larger sums or business use.
Step 6: Time Your Transfer Smartly
- Send Tuesday to Thursday morning (CET) — currency markets are most liquid and spreads are tightest.
- Avoid weekends and Chilean public holidays — funds will sit idle until banks reopen.
- For amounts above €5,000, request a quote from Wise or call your provider — some offer better rates on larger sums.
- Set a rate alert on Wise or XE — the EUR/CLP pair can swing 2-3% in a week, and waiting for a favorable day can save you hundreds.
- Split very large transfers into two payments across different days to average your rate exposure.
Step 7: Verify and Send
Double-check the recipient's full name, RUT (Chilean tax ID), bank name, and account number before confirming. A single wrong digit can delay the transfer by a week. Save the confirmation email and tracking link, and share the reference number with your recipient so they can follow the funds in real time.