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Transferring Money to Spain for International Property Buyers & Investors


Sending funds to Spain for property purchases or investments requires careful planning to maximize value and minimize risk. High-net-worth buyers need to consider currency fluctuations, transfer fees, legal compliance, and timing to ensure money arrives safely.

There are multiple options for transferring money internationally: traditional banks, online transfer services, and currency brokers. Banks provide security but often charge higher fees and offer less competitive exchange rates. Online services like Wise, OFX, and Revolut often deliver better rates and faster transfers. Using professional services ensures that funds reach Spanish accounts without delays.

For property financing guidance, see our Mortgages page. For currency considerations, visit our Currency guide.



High-value property transactions often involve advanced planning of currency purchases. Forward contracts allow buyers to lock in favorable rates ahead of payment dates, protecting against exchange rate volatility. This is particularly important when purchasing coastal villas or luxury apartments for holiday or rental purposes.

Banks such as Santander, BBVA, and CaixaBank offer international wire transfers, but independent providers often provide better rates and lower fees. External resources for secure transfers:


For non-resident buyers, opening a Spanish bank account simplifies transfers and ensures compliance with Spanish regulations. Proof of funds may be required for property purchases, particularly for Golden Visa applications. Legal advice helps ensure all documentation meets Spanish and international requirements.

External guidance on safe transfers includes:


When transferring money for rental investments, timing is important. Aligning transfers with lease agreements or property completion dates ensures smooth cash flow. Multi-currency accounts or forward contracts help protect against adverse exchange rate movements. For rental management strategies, see our Rental & Investment Management guide.



For large transfers, buyers should consider:
  • Splitting transfers over time to mitigate currency risk
  • Working with a Spanish lawyer for compliance
  • Using regulated transfer providers for security and traceability

External currency and market tracking resources include:

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