Live offers across tracked providers in Luxembourg — updated daily from the Giraffy database.
18 live offers compared from 18 providers. Updated daily.
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Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Money transfer covers the services people in Luxembourg use to send money abroad or convert currencies — whether supporting family overseas, paying for property, or moving funds between countries. With a highly international population and a large cross-border workforce, demand for cheap, fast currency transfers is high. Options range from traditional bank wires and cash-transfer agents to specialist fintechs offering low-cost, transparent exchange rates. Within the euro area, SEPA transfers are cheap and often instant; the cost question mainly arises for non-euro currencies.
For euro payments across the SEPA zone, standard and instant transfers are inexpensive through any Luxembourg bank. For currency conversion and non-euro destinations, specialist providers compete hard on the exchange-rate margin and fees. Fintechs such as Wise offer the mid-market rate plus a transparent fee, brokers like OFX and TorFX serve larger transfers, and Western Union covers cash pickup in many countries. Banks such as BIL and app banks like bunq also offer transfers, though often at wider margins than the specialists.
Lower cost — Specialist providers typically beat bank exchange margins, saving money on larger transfers.
Speed — Many transfers arrive same-day or within minutes, and SEPA instant is near-real-time in euro.
Transparency — Fintechs show the exchange rate and fee upfront so you know the total cost.
Choice of delivery — Bank deposit, wallet or cash pickup lets you match the recipient's needs.
Compare the total cost — the fee plus the exchange-rate margin — rather than the advertised fee alone, since the margin is often the bigger cost. For large one-off transfers, a currency broker may offer a better rate and rate-lock tools; for small regular sends, a fintech app is usually cheapest. Check delivery speed, the recipient's preferred payout method, transfer limits, and whether the provider is regulated. Beware of low headline fees hiding a poor exchange rate.
Wise is popular for transparent mid-market pricing on everyday currency transfers, while OFX and TorFX target larger transfers with dedicated dealer support and rate tools. Western Union remains a go-to for cash pickup in many destinations. Banks such as BIL and app banks like bunq provide transfers integrated with your account, convenient but often costlier for non-euro currencies. The best choice depends on amount, destination and how the recipient wants to receive funds.
Pricing varies by provider, amount and currency pair, so there is no single market rate. The two cost elements are the fixed or percentage fee and the exchange-rate margin added to the mid-market rate. Fintechs typically charge a small transparent fee with a tight margin; banks and cash agents often bundle a wider margin into a seemingly low fee. Always compare the final amount the recipient receives to judge true value.
Payment and e-money institutions offering transfers must be authorised — in Luxembourg by the CSSF, or in another EU state and passported in — and must safeguard customer funds separately from company money. This safeguarding protects your balance if the firm fails, though it is not the same as bank deposit insurance. Anti-money-laundering rules require identity checks, and consumers can raise disputes through the provider's regulator and the ULC.
Are SEPA euro transfers free? They are cheap and often free or near-free between euro accounts, with instant options widely available.
Why is the exchange rate more important than the fee? The margin added to the exchange rate is frequently the larger cost, especially on bigger transfers, so compare the total received.
Is my money safe with a fintech? Authorised providers must safeguard your funds separately, which protects them if the firm fails.
Giraffy tracks 5 prepaid FX and travel money cards across OFX,Western Union,TorFX,Interactive Brokers Luxembourg,BIL Luxembourg providers in Luxembourg. Compare by the mid-market exchange rate margin and ATM withdrawal fees to find the lowest total cost.
A prepaid travel card is loaded with a specific currency (or multiple currencies) before you travel. You lock in an exchange rate at loading time, protecting against rate movements. Unlike a regular debit card, there are no overdraft risks, and many travel cards offer better exchange rates than high-street banks.
Most prepaid travel cards allow ATM withdrawals abroad, but fee structures vary — some offer a free monthly ATM allowance, others charge per withdrawal. Check the ATM fee, daily withdrawal limit, and whether your chosen card is accepted by ATM networks at your destination.
Multi-currency cards typically support 40–50 currencies, covering all major travel destinations. Lesser-used currencies may not be available — check the provider's currency list if you're travelling to an unusual destination. Some cards auto-convert at the point of sale if the local currency isn't loaded.
Yes — a prepaid card can be frozen via an app immediately if lost or stolen, protecting your remaining balance. You're not liable for fraudulent transactions in most cases. Keeping a small amount of local cash as backup is still advisable for markets where card acceptance is limited.
Key fees to check: loading fees (some charge to add funds), ATM withdrawal fees, inactivity fees if the card isn't used for 12+ months, and a small exchange rate margin on the mid-market rate. Some premium providers (Wise, Revolut Metal) offer fee-free loading and ATM withdrawals up to monthly limits.