GBP → EUR Transfer Cost Calculator

See the real cost of your transfer — including the exchange rate margin your bank doesn't show you.

Last updated: March 2026 · FXPathway independent analysis

Real transfer example

£5,000 sent via a bank with a 3% FX margin → ~€150 lost to spread before any fee. A specialist provider at 0.5% would cost ~€25. Difference: €125.

Amount to send in GBP

GBP / EUR exchange rate mid-market rate

Check the current rate on Google or XE.com

Bank FX margin typical: 2–4%

0%4%8%

Specialist provider fee e.g. Wise ~0.5%

0%1.5%3%

You could save on this transfer

€0

Your bank

€0

Specialist provider

€0

GBP amount£0

Mid-market rate1.18

Bank FX margin cost€0

Specialist fee€0

Difference€0

What does this mean?

The exchange rate margin is often the largest cost in a transfer — and the least visible. Read our full UK → Spain guide →