Unicorn Currencies
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🇺🇸→🇪🇺

Send Money from United States to European Union

Businesses in United States paying European Union suppliers for Manufacturing. Send USD from United States, receive EUR in European Union with t+0 (2.3s avg within unicorn network).

✓ Competitive Advantage: Local USD collection + local EUR delivery = no correspondent bank fees

Save £1,520 per £100k Payment

United States to European Union corridor savings

Traditional Bank
£2,025
  • ❌ 2-3 day settlement
  • ❌ Multiple correspondent banks
  • ❌ Hidden FX margins
  • ❌ High SWIFT fees
Unicorn Currencies
£505
  • ✓ T+0 (2.3s avg within Unicorn network)
  • ✓ Local USD collection
  • ✓ Transparent 0.5% spread
  • ✓ SEPA (Single Euro Payments Area)
Your Savings
75%
£1,520 per £100k
At £600k-£6M monthly, save £7,608/year

Sending from United States: What You Need to Know

USD Origin Specifics

  • USD global reserve currency
  • ACH and FedNow available
  • FinCEN reporting requirements

Your Local Advantages

  • Local USD account available
  • ACH (Automated Clearing House) instant collection
  • No correspondent bank fees on origin side
Local Collection Method
ACH (Automated Clearing House)
T+1 to T+2 • US domestic bank transfers. Low cost, reliable.

Paying Suppliers in European Union: Compliance & Requirements

Regulatory Considerations

  • VAT (Value Added Tax) varies by EU country
  • Intra-EU vs extra-EU customs differences
  • GDPR compliance for customer data
  • EU sanctions regime (separate from UN/US)

Payment Best Practices

  • Use SEPA for €1-999,999 payments (very low cost)
  • Target2 for large/urgent payments
  • Post-Brexit customs documentation required for UK-EU
  • EUR volatility lower than GBP - good for budgeting
Destination Settlement
T+0 (2.3s avg within Unicorn network)
via SEPA (Single Euro Payments Area)

United States → European Union Corridor Insights

Popular Industries

  • Manufacturing
  • Freight Forwarding
  • Food & Beverage

Peak Trading Hours

EST (GMT-5) to CET (GMT+1) time zone consideration

Best for rate execution and faster settlement

Typical Volume

£100k-£500k

Average transaction size for this corridor
Monthly volume: £600k-£6M
Compliance Notice: Subject to sanctions and compliance screening. Certain industries and countries not supported.

Frequently Asked Questions: USD-EUR Payments

How fast are USD-EUR payments?

USD-EUR payments settle in an average of 2.3 seconds wallet-to-wallet when using Unicorn Currencies' local rails, or 1-3 days via traditional SWIFT depending on the route and correspondent banks involved.

What does a USD-EUR transfer cost?

Unicorn Currencies charges a 0.5% FX spread plus a flat fee of £5 per payment for USD-EUR transfers. This is significantly cheaper than traditional banks which typically charge 2-4% in hidden FX margins plus high SWIFT fees.

What exchange rate do I get for USD-EUR?

You get real-time wholesale USD-EUR exchange rates with 15-second rate locks. Our rates are sourced from institutional FX markets, giving you the same pricing that banks use for their own trades.

Can I lock the USD-EUR rate in advance?

Yes, forward contracts are available for USD-EUR payments. You can lock in today's rate for future payments, protecting your business from currency fluctuations for up to 12 months.

What details do I need for USD-EUR payments?

Beneficiary details vary by destination. For European Union payments, you typically need the recipient's local account details (SEPA (Single Euro Payments Area)), account number, and beneficiary name. Some destinations may also require local clearing codes.

Ready to Send USD from United States to European Union?

Save 75% on every payment with t+0 (2.3s avg within unicorn network). Local USD collection available.

Open AccountView European Union Details

Bank of Canada registered PSP | FINTRAC licensed MSB