Author,  Andrew Gibson

Last Updated on August 12th, 2024

 

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Transferring money internationally is a vital part of running a business, especially when it involves significant transactions between countries like Spain and the UK. 

Efficient transfers are crucial for keeping your operations smooth, managing expenses, and maintaining strong business relationships.

But how do you navigate this complex process? Let’s break it down step by step. 

This guide will help you understand how to transfer money from Spain to the UK for business purposes.

Whether you’re sending funds to suppliers, managing payroll, or investing in new opportunities, we’ve got you covered.

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Understanding the Basics of International Business Transfers

When it comes to running a business, international money transfers are part and parcel of the game, especially when dealing with different currencies. 

Moving funds from one country to another usually involves currency conversion, adding a layer of complexity.

So, what makes business transfers different from personal ones? 

Well, business transactions typically come with stricter regulations and require more detailed documentation. 

Ensuring you comply with both Spanish and UK regulations is crucial to avoid any legal hiccups or penalties.

Getting a handle on these basics sets the foundation for making informed decisions and streamlining your transfer process. 

It might seem daunting at first, but once you understand the essentials, it becomes much easier to navigate.

Choosing the Right Transfer Method

Choosing the right method for your business transfer can feel like a balancing act. You need to consider factors like cost, speed, and reliability. 

So, which option is best for you? Let’s break it down:

Currency Brokers

Dealing with large sums? 

Currency brokers might be your best choice. 

They offer competitive exchange rates and personalised service, providing expert guidance and flexible solutions tailored to your specific needs. 

If you want someone to guide you through the process and ensure you’re getting the best deal, a currency broker could be just what you need.

Online Transfer Services

Looking for a faster and cheaper way to send money? 

Online transfer services might be just what you need. 

These platforms typically offer lower fees and quicker transfers, making them incredibly convenient. 

However, keep in mind that they often come with lower transaction limits, which might not be ideal if you’re dealing with large sums. 

They are secure, but if you’ve ever wished for more personalised support, especially during important transfers, you might find online services lacking.

Bank Transfers

Bank transfers are the old reliable option. 

Banks are known for their strong security and trustworthiness. 

But here’s the catch: they often come with higher fees and slower processing times compared to other methods. 

If you appreciate the stability and reputation of banks, this could be your best bet. Just be ready for the slower service and higher costs. 

Oh, and don’t expect any hand-holding if you need support during your transfer!

So, which method is right for you? 

It really comes down to what you value most, cost, speed, or that personal touch. 

Whatever your priority, there’s a solution out there that fits.

Setting Up Your Transfer

Initiating a business transfer involves a few key steps, but don’t worry – it’s pretty straightforward.

Step	Details
Gathering Necessary Information	Ensure you have all required details, such as the recipient’s bank details, SWIFT/BIC codes, and relevant business documents.
Choosing a Transfer Method and Provider	Based on your needs, select the most suitable method and provider. Consider factors like fees, exchange rates, and processing times.
Completing the Transfer Setup Process	Follow the provider’s instructions to set up the transfer. This may involve creating an account, verifying your identity, and entering the transfer details.

By following these steps, you can simplify the setup process and make sure your transfer goes smoothly.

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Managing Exchange Rates

Exchange rates can make a big difference in your international money transfers. 

Securing the best rate can save your business a lot of money. So, how do you make sure you’re getting the best bang for your buck? 

Here are some tips to help you manage those rates effectively.

Spot Rates vs. Forward Contracts

Ever wish you could lock in a great rate now for a transfer you’ll make later? That’s where forward contracts come in. 

Spot rates are the current exchange rates you’d use today. 

But if you want to protect yourself from any unfavourable rate changes in the future, a forward contract lets you secure a rate now for a transfer down the road. 

Using Rate Alerts and Market Analysis

Wouldn’t it be nice if someone could tap you on the shoulder when exchange rates are in your favour? Rate alerts do just that. 

They notify you when the rates hit a level you’re happy with. 

Combine this with a bit of market analysis to understand trends, and you can make more informed decisions.

By using these strategies, you can get the most out of exchange rates and make your money transfers work harder for you.

Minimising Fees and Costs

Nobody likes hidden fees, right? Keeping transfer costs low is essential for making the most of your money. 

Here are some friendly tips to help you out:

Compare Provider Fees: Different providers have their own fee structures, and some can be more cost-effective than others. Take a bit of time to compare these fees. It’s like shopping around for the best deal, a little effort can lead to big savings.

Understand Hidden Fees and Charges: No one likes surprises, especially when it comes to fees. Make sure you’re aware of any hidden costs, such as currency conversion charges or intermediary bank fees. Asking your provider to clarify these can help you avoid unexpected expenses.

By staying proactive and informed about fees, you can cut costs and make your transfers more efficient. 

It’s all about taking those extra steps to ensure you’re getting the best value for your money.

Ensuring Compliance and Security

When it comes to international business transfers, compliance and security are top priorities. 

Here’s what you need to know to keep everything running smoothly:

Step	Details
Compliance Requirements	Stay up to date with AML regulations and KYC requirements. Provide necessary business documents and complete verification processes.
Best Practices for Secure Transfers	Use reputable providers, protect sensitive information, and follow secure online transaction practices.

By sticking to these guidelines, you’ll safeguard your transfers and stay compliant with regulations.

Summary

Transferring money from Spain to the UK for business transactions requires careful planning and understanding of the various methods available. 

Whether you’re sending funds to suppliers, managing payroll, or investing in new opportunities, choosing the right transfer method is crucial. 

Banks offer reliability but can be slow and expensive, while online services provide speed and lower costs, though they may lack personalised support. 

Currency brokers, on the other hand, are ideal for large transfers, offering competitive rates and expert guidance. 

By understanding the basics, managing exchange rates, minimising fees, and ensuring compliance, you can make your international business transfers smooth, secure, and cost-effective.

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Överför pengar från Spanien till Sverige (Tydliga och hjälpsamma råd)

 

 

Author,  Andrew Gibson

Last Updated on April 16th, 2025

Oavsett om du säljer en fastighet, flyttar hem eller gör en betalning – här får du veta de bästa sätten att överföra pengar från Spanien till Sverige.

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När du ska överföra pengar från Spanien till Sverige har du i princip tre alternativ:

1. Använda en bank
2. Använda en valutamäklare
3. Använda en pengaöverföringsapp

Använda en bank

Att använda en bank för att skicka pengar utomlands är kanske det mest självklara, men det har också flera nackdelar.

För det första kan det bli mycket dyrare, och för det andra erbjuder bankerna sällan någon egentlig service längre.

Det är en av anledningarna till att bankerna fått så mycket konkurrens – de gör helt enkelt inte ett särskilt bra jobb!

Generellt sett kan du räkna med att betala 3–4 % mer med en bank jämfört med en valutamäklare eller pengaöverföringsapp.

Vid större transaktioner kan detta bli väldigt kostsamt.

Om du till exempel säljer en fastighet i Spanien för 120 000 €, och vill växla till svenska kronor, kan banken ta upp till 4 800 € i avgifter.

Poängen är – innan du använder en bank, jämför och ta in offert från annat håll.

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Använda en valutamäklare

En valutamäklare är specialiserad på att skicka pengar utomlands för kunder.

Precis som en bank använder de det säkra SWIFT-systemet för internationella överföringar, men till en mycket lägre kostnad.

Du får bättre växelkurser och lägre avgifter, vilket gör att du får mer pengar i slutänden.

En annan fördel är att du får personlig service.

Som du säkert märkt är det svårt att få riktig service idag – stora företag vill att du gör allt själv och tar ändå lika mycket betalt.

Med en valutamäklare får du hjälp genom hela processen – från början till slut – vilket ger trygghet.

Liten rekommendation: Key Currency är en ledande valutamäklare som hjälper dig att skicka pengar från Spanien till Sverige på ett snabbt, enkelt och kostnadseffektivt sätt.

Vi är en av de få valutamäklare som inte tar ut några avgifter för att skicka pengar från Spanien till Sverige. Och till skillnad från banker och appar, erbjuder vi dessutom service på svenska!

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Använda en pengaöverföringsapp

Pengaöverföringsappar har dykt upp överallt de senaste åren.

De är oftast populära för mindre betalningar.

Några välkända appar i den här kategorin är Wise, Revolut, Remitly och XE.

Tänk på dessa som ”gör-det-själv”-lösningar.

De passar bra för teknikvana personer, men för större belopp kan det kännas osäkert – gör du ett misstag finns det ingen att ringa.

All kommunikation sker via mejl eller chatt.

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Så här överför du pengar från Spanien till Sverige (i 4 enkla steg)

Processen är ganska enkel och består av fyra steg:

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Vad kostar det att överföra pengar från Spanien till Sverige?

När du jämför kostnader ska du tänka på två saker: avgifter och växelkurs.

Avgifterna kan vara svåra att förstå, särskilt hos banker – de tar ofta ut flera olika typer av avgifter som du inte ser förrän i slutet av processen (med flit).

Hos Key Currency tar vi inga avgifter när du skickar pengar från Spanien till Sverige.

Vi erbjuder konkurrenskraftiga EUR–SEK växelkurser och berättar exakt hur mycket du får när överföringen är klar.

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Varning för avgifter vid bankcheck om du säljer en fastighet!

Om du säljer en fastighet i Spanien bör du vara medveten om extra kostnader.

Efter försäljningen får du oftast en bankcheck från notarien – det är fortfarande det vanligaste sättet att få betalt i Spanien.

Men när du försöker sätta in den på ditt spanska bankkonto, tar banken en avgift.

Stora spanska banker som Santander, Caixa, Bilbao och Sabadell tar ofta upp till 1,5 % av beloppet bara för att sätta in bankchecken!

Vid en fastighetsförsäljning kan detta bli en enorm kostnad.

Vi har en lösning.
Vi är en av de få valutamäklare som har verksamhet i Spanien och kan därför hjälpa våra kunder att sätta in sina bankcheckar utan avgift.

Detta är inget andra mäklare erbjuder, eftersom de ofta inte har någon fysisk närvaro i Spanien.

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Vilken information behöver jag för att skicka pengar från Spanien till Sverige?

För att skicka pengar till ett svenskt bankkonto behöver du följande information om mottagaren:

• Fullständigt namn och adress
• IBAN
• BIC/SWIFT-kod

Alla svenska bankkonton har ett IBAN med 24 tecken.

Exempel på ett svenskt IBAN:

SE45 8000 3427 7654 4222 7891

Behöver du hjälp med detta, finns vi här.

Du kan skicka pengar till en rad svenska banker, som:

SEB, Nordea, Handelsbanken, Swedbank med flera.

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Sammanfattning

• Du kan använda bank, valutamäklare eller app för att skicka pengar från Spanien till Sverige.
• Jämför kostnader – bankerna kan göra dig 3–4 % fattigare.
• Överföringen tar vanligtvis 2–3 arbetsdagar.
• Säljer du en fastighet? Se upp för avgifter på bankchecken– de kan bli höga!

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Vem är vi?

Key Currency är en oberoende valutamäklare.

Vi erbjuder mycket konkurrenskraftiga växelkurser och tar inga avgifter.

Vi är specialiserade på stora transaktioner – särskilt fastighetsaffärer där kostnad och timing kan ha stor ekonomisk påverkan.

Eftersom vi hanterar andras pengar vet vi hur viktigt det är med förtroende, säkerhet och transparens.

Vi har 5-stjärnigt betyg på Trustpilot baserat på över 2 600 verifierade recensioner.

Tror du att vår tjänst kan vara till nytta för dig? Begär en kostnadsfri offert!

 

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Zelle does not support international transfers, so it cannot be used to send money from the US to the UK.

The platform is limited to transactions between US-based accounts only, making it suitable for domestic payments rather than international money transfers. 

To send funds abroad, you’ll need to use a different service.

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Why Doesn’t Zelle Work Internationally?

Zelle was designed to make domestic transfers in the US as seamless as possible, but it wasn’t set up to handle the ins and outs of international payments. 

Currently, Zelle’s network is exclusive to over 1,700 US banks and credit unions, none of which extend services outside the US.

Think of it as a local subway line: great for getting around town, but it doesn’t connect you to a different country. 

With Zelle, you’re essentially “calling local,” and there’s no infrastructure in place to reach accounts outside the US, like a bank in the UK.

While Zelle may be out of the running, you’re certainly not out of options. 

Here are some great alternatives to help you transfer money from the US to the UK, many of which offer competitive rates and a hassle-free experience.

Best Alternatives to Zelle for Sending Money to the UK

1. Currency Brokers

If you’re looking to move larger amounts, a currency broker like Key Currency could be your best bet.

Brokers specialise in international money transfers, and they’re known for delivering better exchange rates than most banks, especially when dealing with bigger sums. 

Unlike the automated processes of most apps, brokers provide a personal touch. Think of them as the concierge of currency transfers, guiding you through each step and helping you avoid hidden fees. 

This is particularly helpful if you’re making a complex or high-value transfer, such as purchasing property, moving investments, or assisting family members. 

With a broker, you get real human support, so you can feel confident knowing your money is in expert hands.

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2. Wise (formerly TransferWise)

For those seeking simplicity and transparency, Wise is a solid choice. Wise gives you the real exchange rate (the same rate you’d find if you looked it up online) without any hidden markups. 

This level of transparency makes it easy to see exactly how much will land in your recipient’s UK account. 

Transfers with Wise are typically quick, often completed within a day or two, making it one of the fastest options around. 

And with an app that’s intuitive and easy to navigate, you can manage your transfer from your phone, wherever you are. 

Wise works well for smaller, regular payments or single transfers and offers a straightforward, user-friendly experience.

3. PayPal

Most people have used PayPal at one time or another, whether for online shopping or sending a quick payment to friends. 

You can link a US bank account or card to PayPal and send money directly to someone’s PayPal account in the UK, making it a convenient and recognizable option. 

However, PayPal’s convenience comes at a cost: fees for international transfers tend to be higher, and the exchange rates are typically less favourable compared to brokers or Wise. 

For small, quick transfers, PayPal is a viable choice, but it may not be the best for saving on fees or securing the best rates.

4. Bank Transfers

Finally, there’s the traditional route, bank transfers. They’re reliable and have been used for international transfers for decades. 

However, banks tend to charge higher fees for sending money abroad, and their exchange rates aren’t as competitive as those from specialised transfer services. 

Transfers through banks can also take a bit longer to process. 

While this option may not offer the best rates, it’s a dependable choice if you prefer the familiarity of your bank and don’t mind paying a bit extra for the service.

What If the Recipient Has a US Bank Account?

If the person you’re sending money to in the UK has a US-based bank account, there’s a little workaround: you can use Zelle as if they were still stateside. 

Zelle doesn’t rely on the recipient’s physical location, only that their account is with a US-based bank that supports the service. 

However, if they solely have a UK bank account, Zelle simply won’t work, and you’ll need one of the alternatives above.

Summary

In the end, while Zelle is fantastic for quick, local transfers in the US, it’s limited to domestic use and doesn’t offer international support to the UK or anywhere else abroad. 

But that doesn’t mean you’re stuck. Options like currency brokers, Wise, and PayPal offer secure, convenient ways to transfer money overseas, and each has its own advantages. 

Brokers offer a hands-on, tailored experience for larger transfers, while Wise and PayPal can be great for quick, smaller transactions. 

Choosing the service that best fits your needs will ensure that your money reaches its destination smoothly, without the limitations Zelle imposes.

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