Fees that hide between the lines
Your bank says "€15 international transfer fee". But you lose another €30-40 in FX spread nobody shows you. Real total: €50 to send €1,000.
International transfers · Personal and business
Send money abroad without losing on every transfer
Send EUR, USD, MXN, BRL, GBP or USDC to any local bank or external wallet. See the final cost before confirming. Lands in minutes, not days.
No setup cost · Verification in 90 seconds · No SWIFT or intermediaries
Send USDC
You send
1 000,00 USDC
🇲🇽
$ 18 297 MXNTo Mexico · SPEI
CLABE 014 ···· 5491
Fee
14,50 USDC
Time
Seconds
An international transfer today costs more than you think
Intermediary banks take their cut
A SWIFT transfer goes through 2-3 banks before arriving. Each one takes a fee without notice. The recipient gets what's left, not what you sent.
Days waiting, no idea where the money is
2 to 5 business days is normal. No tracking, no confirmations, no way to know it arrived. If you need to pay a supplier, employee or family, that time feels endless.
Send money internationally, in three steps
1
Pick destination and currency
Choose the destination country and the currency you want it to land in: EUR, USD, MXN, BRL, GBP or USDC. Specify whether it goes to a local bank or external wallet.
2
See the cost before confirming
Fee + applied FX rate + total your recipient will get. No fine print. No surprise charges later. If it doesn't add up, cancel at no cost.
Visible cost3
Money lands in minutes
Confirm the transfer and it goes out instantly. SEPA Instant for EUR, SPEI for MXN, PIX for BRL, ACH/FedNow for USD and USDC on any supported network. Lands in minutes.
Send to the world's main corridors
We operate on local rails in each country. Your recipient gets it in their bank like a domestic transfer.
🇪🇺 EUR · SEPA Instant
To the eurozone (SEPA)
Send EUR to any IBAN across 36 SEPA countries. Lands via SEPA Instant in seconds.
- Average time
- Seconds
- You send
- EUR
🇺🇸 USD · ACH / FedNow
To the US (ACH)
Send USD to any US bank account via local ACH. No SWIFT, no intermediaries.
- Average time
- Seconds
- You send
- USD
🇲🇽 MXN · SPEI
To Mexico (SPEI)
Send MXN to any CLABE in Mexico via SPEI, Mexico's instant transfer system. 24/7, including holidays.
- Average time
- Seconds
- You send
- MXN
🇧🇷 BRL · PIX
To Brazil (PIX)
Send BRL to any Brazilian account via PIX. Instant, 24/7.
- Average time
- Seconds
- You send
- BRL
🇬🇧 GBP · FPS
To the UK (Faster Payments)
Send GBP to any UK account via Faster Payments. Lands in minutes.
- Average time
- Seconds
- You send
- GBP
💲 USDC · USDT
To an external wallet (USDC / USDT)
Send USDC or USDT to any wallet on Ethereum, Polygon, Solana or Tron. You only pay the network gas fee.
- Average time
- Seconds
- You send
- USDC, USDT
Availability of each corridor depends on your country of residence and the destination. See full coverage
Calculate how much you save on your next transfer
Compare what your recipient gets today with your current bank vs Kunga.
Traditional bank
- Flat fee
- ~15,00 USDC
- FX spread (~3 %)
- ~30,00 USDC
- Total cost
- ~45,00 USDC
- Recipient gets
- $ 17.667,50
Wise
- Fee (~0,7 %)
- ~7,00 USDC
- FX spread (~0,5 %)
- ~5,00 USDC
- Total cost
- ~12,00 USDC
- Recipient gets
- $ 18.278,00
Kunga
- Variable fee (1.45%)
- 14,50 USDC
- FX spread
- 0 %
- Total cost
- 14,50 USDC
- Recipient gets
- $ 18.231,75
You save vs Banco
+$ 564,25
vs Wise: +$ 0,00
If you send 5 times per month
+$ 2821,25
Per year
+$ 33.855,00
Real Kunga fees. Traditional bank using industry-average rates (~$15 flat + 3 % spread). Wise using standard public pricing (~0.7 % + ~0.5 % spread). Q1 2026.
For those who send money across borders every month
🤝
Paying contributors and freelancers
Madrid agency with 4 freelancers in LATAM.
Before
Monthly SWIFT transfers, €35 per send, 4 days waiting. €140 per month just in fees.
With Kunga
Sends USDC to their wallets or MXN/BRL to their local accounts. Average cost per send: €8. Time: minutes.
From ~€35 to ~€8 per transfer · arrives in minutes
You always know where your money is
Every send with real-time tracking in your dashboard. No calling the bank, no waiting for emails.
🇲🇽
In progressTransfer #KG-29481 · To Mexico (SPEI)
1 000 USDC → $ 18 297,00 MXN
- ✓
Sent
Your transfer leaves your USDC balance seconds after confirming.
- ✓
Processing
Automatic AML and compliance validation. Auditable logs.
- ✓
Converted
Conversion to destination currency at the market rate.
- •••
On the way to the receiving bank
Injected to the local rail (SEPA, SPEI, PIX, ACH, FPS).
- —
Delivered
Confirmation from the receiving bank with timestamp and auditable hash.
One fee, visible before confirming
1.45% on the amount using Kunga wallet
That's the whole fee. No hidden spread, no intermediary charges.
1:1 conversion to USDC
Your balance always lives in USDC, so the source of the send is stable. You don't pay FX spread on the outbound side.
No intermediary banks
We use local rails (SEPA, ACH, SPEI, PIX) that connect directly to the receiving bank. Nobody else takes a cut.
Cost visible before confirming
Before hitting "Send", you see exactly what you pay and what the recipient gets. If it doesn't add up, cancel.
Your transfers, traceable and protected
Mandatory two-factor
Sign-in protected with 2FA. No authentication, no access to your account or any balance.
Blockchain traceability
Every operation is logged with timestamp and hash. Exportable for your accountant or auditor.
Regulated Tier-1 custody
Your balance is separate from Kunga's operations, held by regulated entities.
MiCA and AML compliance
Active transaction monitoring under the European crypto-asset framework and the anti-money-laundering directive.
What people already sending with Kunga say
I pay three LATAM freelancers every month. I used to spend €100 on transfer fees alone. Now under €25 and the money lands the same day.
I send money to my family in Argentina. It used to be an odyssey with exchange houses. Now USDC lands in a wallet and they convert it whenever it suits.
As a company we pay suppliers in four countries. Kunga cut our international financial costs by 70 %. No tricks, no surprises in billing.
Vs the usual alternatives
Wise Revolut Bank Kunga
SEPA, ACH, SPEI, PIX coverage Partial Partial With SWIFT Complete
USDC/USDT wallet sends No No No Yes
FX spread Visible ~0.5 % Visible ~0.5 % Hidden ~2-3 % 0 %
Average send time Min-1 day Min-1 day 2-5 days Sec-3 days
Cost to send €1,000 to MXN ~10 € ~10 € ~30-50 € ~14,50 €
Human support for large sends Limited Limited Yes Dedicated advisor
Comparison based on public Q1 2026 fees. Real differences depend on corridor and volume. For sends above €10,000, ask about OTC terms. More comparisons
Companies with volume
Sending more than €100,000 per month?
For companies with recurring volume we offer OTC terms and a dedicated commercial advisor.
1
Volume-scaled pricing
The more you move, the less you pay per operation.
2
OTC desk for large sends
FX rates negotiated directly, no order-book slippage.
3
Dedicated commercial advisor
Guided KYB onboarding, API integration if you need to automate sends.
Frequently asked questions about sending money
Does my recipient need a Kunga account?
No. Your recipient gets the money in their usual local bank or existing wallet. You send, they receive in their usual system. They don't need to register with Kunga or do anything.
Is there a limit per transfer?
There is no fixed limit per transfer. For high-value transfers, our compliance team may ask you for additional information about the source and destination of funds before processing them, to keep complying with our AML/CTF policy.
What happens if I enter the wrong details?
Before confirming you see the recipient's details and must validate them with 2FA. Once sent, if the destination account doesn't exist, the money returns to your balance (can take 1-3 days depending on the corridor). If the destination account exists but is wrong, we can't reverse the send — always verify before confirming.
Can I schedule recurring sends?
Sends are one-off right now. For companies with recurring payment needs (freelance payroll, recurring suppliers), we offer API integration and business plans.
What do I do if my send hasn't arrived?
Every operation has visible tracking in your dashboard with up-to-date status. If after the corridor's average times it hasn't arrived, write to us: our team tracks and resolves it. The history with timestamp and hash is auditable.
Is it available in my country?
Send availability depends on your country of residence and the destination corridor. Verify before at /cobertura.
How is the applied FX rate calculated?
Your balance lives in USDC, so any send starts from USDC. The conversion to the destination currency is done at the market rate at the moment of the send, with no added margin. You see it before confirming.
Your next transfer, without losing money along the way
Open your free account and send your first international transfer today.
No setup cost · No commitment · KYC in 90 seconds