What is an international money transfer?

An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

How long does an international money transfer take?

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

How do I send an international money transfer?

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive. Add your recipient’s bank details. If you don’t know their details, we can request them for you. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe. Pay for your transfer with a debit or credit card, or bank transfer. That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

What’s the best way to send money abroad?

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

How is Wise regulated?

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

How much can I send abroad? Are there limits to how much I can send?

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre , or by using our calculator . We’ll also let you know if you try to send too much at one time.

How do I know the money will get there?

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

How will the money be received?

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

How can I avoid a wire transfer fee?

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

What documents do I need to send an international money transfer?

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Bulgaria

Save on your online money transfer to Bulgaria from Thailand. Transfer Euro to Bulgarian lev quickly, safely and join over 14.8 million people using Wise.

Send money from Bulgaria to Thailand instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (53h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
6.84 EUR

Total included fees (0.68%)
6.84 EUR

You could save up to 54.38 EUR

Should arrive in 5 hours

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Bulgaria

Save on your online money transfer to Bulgaria from Thailand. Transfer Euro to Bulgarian lev quickly, safely and join over 14.8 million people using Wise.

Send money from Bulgaria to Thailand instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (53h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 EUR
Our fee
6.84 EUR

Total included fees (0.68%)
6.84 EUR

You could save up to 54.38 EUR

Should arrive in 5 hours

Compare fees for when you send money to Bulgaria

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 1,000 EUR with	Recipient gets(Total after fees)
	1,942.15 BGN
Transfer fee 6.84 EUR Exchange rate(1 EUR BGN) 1.95553 Exchange rate markup 0.13 EUR Cost of transfer 6.97 EUR

	1,927.58 BGN- 14.57 BGN
Transfer fee 6 EUR Exchange rate(1 EUR BGN) 1.93922 Exchange rate markup 8.47 EUR Cost of transfer 14.47 EUR

	1,916.57 BGN- 25.58 BGN
Transfer fee 15 EUR Exchange rate(1 EUR BGN) 1.94576 Exchange rate markup 5.13 EUR Cost of transfer 20.13 EUR

	1,911.94 BGN- 30.21 BGN
Transfer fee 17.50 EUR Exchange rate(1 EUR BGN) 1.94600 Exchange rate markup 5.01 EUR Cost of transfer 22.51 EUR

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	ING	BNP Paribas	Commerzbank
Recipient gets (Total after fees)	1,942.15 BGN	1,927.58 BGN	1,916.57 BGN	1,911.94 BGN
Exchange rate (1 EURBGN)	1.95553	1.93922	1.94576	1.94600
Exchange rate markup	0 EUR	8.34 EUR	5.00 EUR	4.87 EUR
Transfer fee	6.84 EUR	6 EUR	15 EUR	17.50 EUR
Total transfer cost	6.84 EUR	14.34 EUR	20.00 EUR	22.37 EUR

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Bulgaria from Thailand

Enter amount to send in EUR.

Pay in EUR with your debit card or credit card, or send the money from your online banking.

Choose recipient in Bulgaria.

Select who you want to send money to and which pay-out method to use.

Send EUR, receive BGN.

The recipient gets money in BGN directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Bulgaria

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Bulgaria with WISE

The best way to send Euro to Bulgarian lev is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
PISP
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Trustly
Trustly
Trustly is an online bank payment method. With Trustly, you can send money to Wise without leaving our site or app. It's a simple and convenient way to pay in EUR, PLN, SEK, and DKK.

Cheapest way to send money to Bulgaria from Thailand

The cheapest way to send 1,000 EUR to Bulgaria is by using money that's in your Wise account and costs 6.39 EUR. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

EUR

BGN

Sending 1,000 EUR	Transfer cost
Wise account	6.39 EUR

Bank transfer	8.69 EUR

Google Pay	20.77 EUR

Apple Pay	20.77 EUR

Debit card	43.36 EUR

Credit card	17.48 EUR

PISP	6.84 EUR

Trustly	8.27 EUR

Fastest way to send money to Bulgaria from Thailand

Sending money with Wise is super fast: 70% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

EUR

BGN

Sending 1,000 EUR	Should arrive
Wise account	in 5 hours

Bank transfer	in 5 hours

Google Pay	in 5 hours

Apple Pay	in 5 hours

Debit card	in 5 hours

Credit card	in 5 hours

PISP	in 5 hours

Trustly	by Thursday