Best Way to Send Money From the USA to Ireland

The currency used in Ireland is the Euro (EUR) . In America, the currency is the US Dollar (USD).

If you need to transfer money from the USA to Ireland – you will usually save money if you avoid using traditional banks.

Whether you’re moving back home, supporting family, or managing an inheritance, traditional bank transfers often come with hefty fees and hidden costs. But fear not! You can save hundreds of dollars by exploring alternatives when sending money from the USA to Ireland or from Ireland to the USA.

Instead of using a traditional bank , consider other options like currency exchange specialists who offer:

  • Better exchange rates: Save by avoiding inflated bank rates and getting more euros for your dollar.
  • Lower fees: Ditch those sneaky bank charges and enjoy transparent, upfront fees.
  • Convenient online services: Manage your transfers easily from the comfort of your home.

Don’t let bank fees eat into your hard-earned money. Explore your options and make your international transfers smarter, not harder!

A report by Capital Investments Ltd found , that in 2019, people in the USA sending money to other countries paid a total of $7.3 billion in fees and exchange rate markups. However, by using a currency broker instead of banks, they could have reduced those exchange rate markups and often avoided fees altogether.

What is the best way to send money to Ireland from the USA ?

How can I send money from the USA to Ireland?

The following money transfer companies are authorised in some, or all, US states and can be used by US residents to send money from the US to Ireland.

They are also authorised in Ireland & the EU and can be used by people in Ireland to send money to the USA from Ireland.

Currencies Direct

Currencies Direct is one of the bigger global money transfer companies and has been operating since 1999 transferring over £7.5 billion annually.
Currencies Direct Inc is registered as a Money Services Business with the Financial Crimes Enforcement Network in the USA.
Currencies Direct can provide money transfer services in most states of the USA (42).
They also have an office in Orlando, Florida.

  • Currencies Direct is authorised in the UK by the Financial Conduct Authority as an Electronic Money Institution.
  • In the EU, they are authorised as an Electronic Money Institution by the Bank of Spain.
  • They have an Irish office in County Cork. (You can call them on 00353 (0)151 361 91.)
  • Currencies Direct has an office in Orlando, Florida.
Currencies Direct USA Ireland

Once you have registered with Currencies Direct, you can arrange transfers between the USA and Ireland over the phone, online, or via their app.
Staff are always available to offer personal service and advice. They have experience of dealing with transfers to solicitors and estate agents for property purchases in Ireland.

You can request a quote for currency exchange on their website.

Garton Global Payments

Garton Global Payments is based in London and was set up by Irish native Niall Walsh. They have plenty of experience in dealing with large international money transfers to and from Ireland.
All customer payments and transfers are carried out on the Currency Cloud platform which is licensed for money transmission in all but 7 USA states.
The Dutch Central Bank has granted Currencycloud BV (their Dutch entity) an e-money license allowing it to operate across all the EU countries.
Currencycloud processes over $1bn a month on behalf of hundreds of thousands of people and companies. (Including Revolut, Aviva, Starling Bank (UK), Brookline Bancorp (USA) and Standard Bank (South Africa) )

Garton Global

Garton Global Payments has a much lower cost base than the banks which means they can offer better rates for you. (Especially on amounts over $10,000 / €10,000) .
They can also offer customers the ability to fix an exchange rate for a date in the future. (max 12 months) .

Click here to Request a Quote for your transfer. Or call them on (UK) +44 20 8004 3288. or on their Irish number 01-5846855


Transfermate has its headquarters in Dublin and also has offices in the USA located in New York, Miami, Chicago, Austin and San Francisco. They are backed by strategic partners AIB and ING.
TransferMate is licenced as a Money Services Business in all the states of the USA and can be used to send money to Ireland from the USA .
In Ireland, it is authorised to carry out money remittance by the Central Bank of Ireland. (This also covers the whole of the EU). See more about their regulation here. So you can also use them to send money to the USA from Ireland .

money transfers usa ireland

Transfermate specialises in large business payments – but they are also very experienced in dealing with transfers for personal clients.
If you need to transfer large amounts of money between the USA and Ireland , Transfermate’s minimum transfer amount is €1000.
Once you have set up an account with Transfermate you can arrange USD to EUR transfers or EUR to USD via their website. Personal support will also be available over the phone 24/7.

WISE (Formerly Transferwise)

WISE is an online peer-to-peer exchange company with its HQ in the UK. However, residents of the USA can use WISE because It is licensed as a money transmitter in all US states. (apart from Nevada and Hawaii).
In the EU, WISE is licensed and regulated by the National Bank of Belgium – this covers the whole, of the EU including Ireland.

There is no minimum transfer amount with WISE – so they are great for smaller transfers
The exchange rates offered by WISE are usually close to the Interbank rate and their fees are based on a small percentage rate. (For example, $42 to transfer $10,000 US Dollars to Euros and $4.51 to transfer $1000 to Euros.)

If you are located in the US – you can visit the  WISE US Website to find out more and register.

WISE is ideal if you are in Ireland and have third-party payments being sent to you in US Dollars.
The WISE “Multi-Currency Account ” allocates you a US bank account number and routing number. You can give this account number to other people to transfer US dollars into it, as if it was any “normal” US bank account.

ACH transfers, also known as electronic money transfers, into a WISE USD account are free to receive.
SWIFT or “wire” transfers into the account will cost you $7.50.
Once you receive the USD payment you can then use your WISE account to swap it into Euros and transfer it to your destination bank account in Ireland.

You can also directly link a WISE account to a US bank, credit card provider and PayPal, and also set up direct debits.

What is the Best Way to Send Money To the USA From Ireland ?

Money Transfer Companies Authorised for Residents of Ireland. (Not for USA Residents)


Fexco is based in County Kerry and is authorised as a payment services provider by the Central Bank of Ireland.
If you live in Ireland, you can use Fexco to exchange your Euros into US Dollars and transfer the money to a bank account in the USA.  Fexco will also be able to assist Irish residents in sending money from the USA to Ireland. However, Residents of the US cannot currently register with Fexco.

exchange dollars to euros

Fexco will help you get the most from your money with bank-beating exchange rates.
You will get direct access to a dedicated currency dealer who will support you throughout your money transfer.
You can request a quote online at the Fexco Website

You may also be interested in our page about Transferring Money Between the UK and Ireland.