Get zero fees on your first transfer to Europe, India, and the Philippines
Sound like something you could get used to? Join over 15.6 million people using Wise.
- Zero fees on your first transfer — up to $2,000.
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.
Get zero fees on your first transfer to Europe, India, and the Philippines
Sound like something you could get used to? Join over 15.6 million people using Wise.
- Zero fees on your first transfer — up to $2,000.
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.
How to send money to Portugal from the US
Enter amount to send in USD.
Pay in USD with your debit card or credit card, or send the money from your online banking.
Choose recipient in Portugal.
Select who you want to send money to and which pay-out method to use.
Send USD, receive EUR.
The recipient gets money in EUR directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent — fees from 0.1%. Plus get dedicated support from our expert team
Secure money transfers to Portugal
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.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Best ways to send money to Portugal with WISE
The best way to send United States dollar to Euro 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.
Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a 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.
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.
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.
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.
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.
How to receive money in Portugal
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Cheapest way to send money to Portugal from the US
The cheapest way to send 1,000 USD to Portugal is by using money that's in your Wise account and costs 3.44 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
USD
EUR
| Sending 1,000 USD | Transfer cost | ||
|---|---|---|---|
| Direct debit | 0 USD | ||
| Bank transfer | 0 USD | ||
| Debit card | 9.17 USD | ||
| Credit card | 26.11 USD | ||
| Apple Pay | 35.25 USD | ||
| Google Pay | 35.25 USD | ||
Fastest way to send money to Portugal from the US
Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
USD
EUR
| Sending 1,000 USD | Should arrive | ||
|---|---|---|---|
| Direct debit | in seconds | ||
| Bank transfer | in 21 minutes | ||
| Debit card | in seconds | ||
| Credit card | in seconds | ||
| Apple Pay | in seconds | ||
| Google Pay | in seconds | ||
Send money to Portugal from the US with the Wise app
Looking for an app to send money to Portugal? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money to Portugal from the US with the Wise app
Looking for an app to send money to Portugal? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
4.3 / 5 on Trustpilot from 285,119 reviews
Do more with Wise in the US
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any hidden fees or markups.
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- FDIC insurance is provided as pass-through insurance with our current program bank. (Wise is not a bank). The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account "swept" into a Federal Deposit Insurance Corporation ("FDIC") insured account at one or more participating banks (each, a "Program Bank") that will hold the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. Availability of FDIC deposit insurance for the deposit funds is subject to certain conditions. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
For customers opted in to receive interest on EUR and GBP, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the "Eligible Balances"). - Annual Percentage Yield (APY) - rates shown are true as of 12/18/2025. See Program Agreement for details.