Sending Money Home from Europe: Best Transfer Services Compared

Choosing the Right Money Transfer Service

One of the main reasons you're working in Europe is to support your family back home. Choosing the right remittance service can save you hundreds of euros per year.

Top Services Compared

Our Recommendation

Wise (formerly TransferWise) offers the best combination of low fees and real exchange rates. For a €2,000 transfer to India, you'll save €30-50 compared to traditional bank transfers.

Tips to Minimize Fees

• Send larger amounts less frequently (one transfer per month instead of weekly)
• Avoid weekend transfers — banks process on business days
• Use bank-to-bank transfers instead of cash pickup
• Compare rates before each transfer — they fluctuate daily
• Set up exchange rate alerts for favorable moments

Tax Considerations

Remittances sent from Europe are not taxed in most European countries. However, check your home country's rules on receiving foreign income.

Start earning in Europe and support your family today.

What this guide covers

This guide focuses on Sending Money Home from Europe: Best Transfer Services Compared. Compare Wise, Remitly, Western Union, and other remittance services for sending money from Europe to South Asia — fees, speed, and convenience. The sections below translate that framing into concrete steps, common mistakes from workers who walked this path before you, and a checklist you can run through in one sitting before deciding on next moves.

Why this matters now

Relocation is the part of the process where well-prepared workers thrive and unprepared ones lose money. The blocks below cover what to plan before flight, what to handle in the first 7 days on the ground, and the financial mistakes most newcomers make in month one.

The Europe-wide context

Across our placement network — currently 13 European countries spanning from Denmark in the north to Albania and Montenegro on the Adriatic — the underlying pattern for international blue-collar workers is consistent: 12-month entry contracts, accommodation typically included, salaries from €1,500 to €4,300/month depending on country and sector, with renewal and residency milestones aligned to a 5-year arc.

What varies most across countries is processing speed (Poland and Serbia among the fastest at 4-6 weeks; Italy and Vietnam-origin applications among the slowest at 12-16), cost of living (Bulgaria and Albania among the lowest; Denmark and France among the highest), and the path to permanent residency (clear and well-supported in Germany, Denmark, Czech Republic; less defined in non-EU destinations like Turkey).

Step-by-step breakdown

1. Step 1. Two weeks before departure: confirm passport validity (18+ months recommended), print all documents in duplicate, pack a 7-day clothing kit appropriate to the destination season.
2. Step 2. Day of arrival: keep cash to cover 7 days, transit pass, charged phone with destination SIM ready, and the employer or recruiter's emergency contact saved.
3. Step 3. Days 1-3: register at the local residency office, open a bank account (most employers require an IBAN before first paycheck), set up healthcare registration where applicable.
4. Step 4. Days 4-14: apply for tax number, local mobile contract, residency card. Forward your home-country mail to a trusted contact who can scan and send.
5. Step 5. Days 15-30: build local reference points — a doctor, a grocery store, a transport route, a community centre. The first 30 days set the next 12 months' rhythm.

Common pitfalls and how to avoid them

• Underestimating winter clothing costs in Northern Europe. Workers from Pakistan, Bangladesh, India and parts of Africa frequently arrive in October without thermals or insulated boots and lose €200-400 in the first cold week.
• Skipping mandatory healthcare registration in the first month assuming the employer handles it. Some do; many don't until you ask.
• Bringing too much cash. Most EU countries require declaration above €10,000 and getting a local IBAN within the first 14 days makes everything from rent to phone contracts to employer reimbursements smoother.
• Booking a one-way ticket without confirming the residency-registration deadline (Anmeldung in Germany, soggiorno in Italy, registracja in Poland). These deadlines start ticking on arrival day, not on contract day.

Frequently asked questions

What about driving — can I use my home-country license?

In the EU, most non-EU licenses are valid for 6 months from arrival, after which you need an EU license. Many workers do not need a car (employer-provided shuttle or public transport handle the commute), but plan ahead if your role requires driving.

Do I need to bring my own bedding/cookware?

Most employer-provided accommodation comes furnished with bed, bedding, basic kitchen, washing machine. Personal items (toiletries, prayer mat, small electronics with EU plug adapter) are worth packing.

How quickly can I bring my family?

Family reunification typically requires 12-24 months of continuous employment plus proof of housing capacity. Some countries (Denmark, Germany) move faster than others (Italy, France) on processing.

How much money should I bring on day one?

Cash equivalent to €500-800 for the first 14 days (transit, food, basic SIM). More than €10,000 must be declared at EU borders. Most expenses can be paid by card once your local bank account opens (typically within the first 7 days).

Will my employer pick me up at the airport?

Many partner employers do — especially for first-time international workers — and CHI Recruiting confirms this in advance. If not, the recruiter provides written instructions for the airport-to-accommodation transfer (train, taxi, prepaid bus).

Action checklist

• Pack a 7-day kit appropriate to destination weather
• Bring €500-800 in cash for first 14 days
• Open local bank account in week 1
• Confirm passport 18+ months valid
• Schedule residency registration within 14 days of arrival

Resources to bookmark

• Official immigration portals — every EU country publishes its work-permit guidance in English. Bookmark the official portal for your destination (e.g. diplo.de for Germany, nyidanmark.dk for Denmark, gov.pl for Poland) and check it once a month for rule changes.
• Sector wage councils — Germany's Mindestlohnkommission, Denmark's sector unions, Poland's national wage announcements. These move 6 months ahead of what employers actually pay.
• Eurostat labour statistics — quarterly releases on employment, vacancy rates, and average wages by sector. Useful for sense-checking employer claims.
• CHI Recruiting blog — country-by-country guides, sector-specific salary research, and updates on visa quota changes from your home country.
• Worker community groups — Telegram, WhatsApp and Facebook groups by country and source-country. Look for those moderated by long-term residents, not recruitment agencies posing as community.

Glossary of terms you will see

• Type D visa — long-stay national visa used by most EU countries to admit non-EU workers. Tied to a specific employer and job.
• Single permit — combined work and residence permit issued in countries like Czech Republic, Slovakia, Croatia. Simplifies the paper chain.
• Blue Card — EU-wide highly-skilled worker permit. Mostly relevant for university-educated roles, not blue-collar.
• Anmeldung / soggiorno / TRP — local residency registration that must happen within a fixed window (often 14 days) after arrival.
• IBAN — international bank account number; required by most employers before first paycheck.
• Mindestlohn / minimum wage — country-set floor that defines the lower bound on legal pay. Updated yearly.
• Apostille — international certification that authenticates documents (education, police, marriage). Most EU countries now accept it instead of the older consular legalisation chain.

Related guides

• Understanding European Rental Markets: A Country-by-Country Guide for Foreign Workers
• Grocery Shopping in Europe on a Budget: A Guide for South Asian Workers
• Understanding European Tipping Culture: A Guide for Foreign Workers
• Public Transport Guide for Workers in Europe: Getting Around Without a Car

Looking for a specific role aligned with this guide? Browse open positions at CHI Recruiting — every job page lists the country-specific salary, contract length, and onboarding details so you can match this guide to live opportunities. Reference: BLOG-SENDING-MONEY-HOME-EUROP.