Sending euros from Malta to the United States? Whether you're supporting US family, paying tuition at a US university, settling a US business invoice, or completing a property purchase — SummitFX gets your EUR into a US account at a real rate, with same-day Fedwire delivery typical when funds reach us before our cutoff.
How the euro has moved against the US dollar over recent weeks, months, and years. Use the tabs to switch between time horizons. The live dot shows where the market is right now.
Type in either box — enter a EUR amount to see what you'd receive in the United States in dollars, or enter the USD amount you need and we'll show how many euros it costs. Calculated at the live mid-market rate shown above.
Note: The rate shown is the live mid-market rate. Your actual executable rate includes a small spread — typically 0.5–0.9% at SummitFX vs 2–4% at a Maltese or US high street bank. We'll always show the full breakdown before you book.
Malta-to-US is a meaningful corridor — driven by family ties, business invoicing, education, property purchases, and emigration flows. Common reasons our clients send money this way:
Maltese nationals or expats living in Malta sending euros to US family members — for ongoing support, contributions to US obligations, or one-off transfers. Standing arrangements suit recurring monthly payments.
Maltese businesses paying US suppliers, contractors, or service providers — particularly across technology, professional services, and consumer goods. Treasury teams use forwards to hedge predictable EUR-USD exposure.
Maltese students enrolled at US universities receiving family support payments — covering tuition (often USD 50,000-80,000+ per year for graduate programmes), residence fees, and living costs. Predictable termly schedules suit forward contracts.
Maltese buyers acquiring US property — particularly in New York, Miami, Los Angeles, and Houston. US conveyancing typically runs 30–60 days from offer to closing; forward contracts protect deal economics from currency moves.
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Read our reviews on Feefo →Your EUR reaches us via SEPA Instant or SEPA Credit Transfer to our euro account. Once converted, USD settles into your US recipient account via Fedwire (the Federal Reserve's wholesale system, same-day for amounts received before cutoff) or ACH (the retail network, typically T+1). Major US banks (JPMorgan Chase, Bank of America, Citibank, Wells Fargo, US Bank, HSBC USA) all support inbound USD via both rails.
The most common reasons a Malta-to-US transfer slips past same-day:
US OFAC and AML review on inbound USD. US banks apply strict OFAC sanctions screening on all inbound USD transfers, particularly for first-time large amounts or new beneficiary relationships. Standard reviews complete in 30 minutes to two hours; occasionally additional documentation is required.
Late EUR arrival in UK time. Our cutoff is 14:00 UK time. Funds sent late afternoon or that bounce through correspondent banks can miss the window.
Maltese or US bank holidays. Maltese bank holidays differ from US ones (US has additional federal holidays like Independence Day, Thanksgiving, Memorial Day). Trades booked when either side is closed will settle on the next mutual business day.
You can convert euros to US dollars through your bank, through a transfer app, or through a broker. Malta-to-US is a corridor where the difference between options is meaningful — both Maltese and US banks tend to mark up EUR/USD aggressively for retail transfers.
Common questions about sending euros to the United States. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
EUR/USD trades on ECB versus Federal Reserve policy. Both currencies move on their own central bank's monetary policy stance, economic data, and broader risk sentiment — with USD often acting as the global reserve currency, attracting safe-haven flows during periods of risk-off.
If your EUR arrives with us by 14:00 UK time on a UK business day, we settle the USD onward via Fedwire same-day for larger amounts, or ACH for retail (typically T+1). Note US inbound USD typically reaches a US beneficiary's bank within hours via Fedwire.
Maltese and US banks typically mark up EUR/USD by 2-4% for retail customers. SummitFX spreads are 0.5-0.9% depending on size — meaningful savings, particularly on larger property, business, or family-support transfers.
Yes. If you know an upcoming US property completion, scheduled tuition payment, or future business invoice, a forward contract fixes today's rate for delivery on a future date. You pay a deposit (typically 5-10% of the trade) upfront and settle the balance at delivery.
No hard minimum — we handle trades from EUR 1,000 to EUR 5m+ on this corridor. For recurring smaller payments (monthly support, mortgage payments), market orders or standing arrangements work better than ad-hoc bookings.
US banks apply AML and OFAC sanctions screening on all inbound USD, particularly for first-time large transfers or new beneficiary relationships. Standard reviews complete in 30 minutes to two hours; occasionally larger or unusual transfers require additional documentation. We work with you on documentation up front to avoid delays.
Message us on WhatsApp and we'll have a live EUR/USD rate back in seconds.