Whether you're buying a holiday home in Spain, supporting a Spanish-American family member, paying for a study-abroad semester at IE Business School, or settling business invoices with Spanish partners — SummitFX gets your US dollars to euros at a real rate, with same-day delivery typical when funds reach us before our cutoff.
How the US dollar has moved against the euro 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 USD amount to see what you'd receive in Spain in euros, or enter the euros amount you need and we'll show how many US dollars 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 US or Spanish high street bank. We'll always show the full breakdown before you book.
US-to-Spain is a meaningful corridor — driven by Spanish property purchases, family ties, business invoicing, and migration. Common reasons our clients send money this way:
American buyers acquiring property in Marbella, Mallorca, Barcelona, Madrid and the Costa del Sol — typically for second-home, retirement, or investment purposes. Spanish conveyancing typically runs 4-12 weeks during which USD/EUR can move several percent. Forward contracts protect deal economics from currency moves between deposit and completion.
Spanish-American families (1.6 million+ US residents identify as Spanish-American) sending USD to family in Spain — for ongoing support, contributions to family property, or one-off transfers. Standing arrangements smooth out monthly currency exposure.
American retirees relocating to Spain receiving Social Security, US pension distributions, or US property rental income — converted to EUR for ongoing living costs. Spain's Non-Lucrative Visa is a popular route for self-funded American retirees.
American holiday-home owners in Spain paying community fees (gastos de comunidad), IBI property tax, utilities, and maintenance — or repatriating Spanish rental income back to US accounts. Recurring smaller payments suit our market-order infrastructure.
American students at IE Business School, IESE, ESADE, and other Spanish universities receiving family support — and Spanish students at top US universities. Predictable termly schedules suit forward contracts or rate alerts.
US businesses paying Spanish suppliers across hospitality, energy services, professional services, and real estate. Treasury teams use forwards to hedge predictable USD-EUR exposure on contracted invoicing.
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Read our reviews on Feefo →USD/EUR trades on Federal Reserve versus European Central Bank dynamics. US-eurozone interest-rate differentials, inflation prints on both sides, and broader US-EU trade and political developments all move the pair. Both currencies move on their own central-bank policy, economic data, and global risk sentiment.
Federal Reserve policy: The FOMC sets the federal funds rate. FOMC decisions, the dot plot, the quarterly Summary of Economic Projections, and Chair Jerome Powell's commentary are the most important scheduled USD events.
US CPI & PCE inflation: The Fed targets 2% inflation as measured by Core PCE, but US CPI prints are also closely watched as a more timely indicator. CPI surprises move USD sharply.
US economic data: Non-farm payrolls (the most-watched data release in global markets), US GDP, retail sales, ISM PMIs, and FOMC member speeches all feed Fed expectations and move USD globally.
Risk sentiment & the dollar smile: USD has the unusual property of strengthening both when the US economy outperforms (rate-driven) and during global risk-off (safe-haven flows). USD therefore moves on US data, US politics, and broader global risk sentiment.
European Central Bank policy: The ECB sets monetary policy for the eurozone economy. Decisions, statements from President Christine Lagarde, and changes in policy direction are the biggest scheduled EUR events.
Eurozone HICP inflation: The Harmonised Index of Consumer Prices is the ECB's primary inflation reference. CPI prints from Germany, France, Italy and Spain feed the eurozone composite figure that shapes ECB expectations.
German and French data: Germany and France are the eurozone's two largest economies. German Bundesbank surveys, French and Italian PMIs, and eurozone GDP often move EUR more than smaller-country prints.
Eurozone sovereign spreads & political risk: Italian-German bond spreads (BTP-Bund), national elections, and EU-level decisions on fiscal rules all affect EUR.
The US and Spain share substantial bilateral ties anchored on Hispanic-American family flows (over 1.6 million US residents identify as Spanish-American), US tourism (Spain is consistently among the top European destinations for American visitors), US property buyers in coastal Spain (smaller than the British buyer flow but real, particularly in Marbella, Mallorca, and Barcelona), and US-Spain business links across hospitality, energy (Iberdrola has substantial US operations via Avangrid), banking (Santander US), and pharmaceuticals. Spanish students at US universities and US students at Spanish business schools (IE, IESE, ESADE) are a steady flow.
USD funds reach us via Fedwire (same-day for larger amounts) or ACH (1-2 business days, lower-cost for retail amounts). Once converted, EUR settles into your Spanish recipient account via SEPA Instant where supported, otherwise SEPA Credit Transfer. Banco Santander, BBVA, CaixaBank, Bankinter, Sabadell, ING España all support inbound EUR payments in full.
The most common reasons US-to-Spain transfers slip past same-day:
ACH instead of Fedwire. ACH is cheaper but takes 1-2 business days to settle. If timing matters, send via Fedwire — same-day reach to us, then same-day EUR settlement onward.
Time-zone gap. Our cutoff is 14:00 UK time, which is 9:00 AM ET (or 6:00 AM PT). For West Coast clients, that's an early morning send. Plan accordingly or book the prior business day.
OFAC and AML review. The US has the strictest sanctions-screening regime in the world. First-time large transfers, transfers to new beneficiary relationships, or transfers where the destination country has any OFAC sensitivity can be held briefly for review. Standard delays are 30 minutes to two hours.
Spanish bank holidays. Spanish bank holidays differ from US Federal Reserve holidays. Trades booked when Spanish banks are closed will settle on the next Spanish business day.
You can convert US dollars to euros through your bank, through a transfer app, or through a broker. US-Spain is a corridor where the difference between options is meaningful — US banks tend to mark up USD/EUR aggressively for retail customers.
Everything clients typically ask about sending US dollars to Spain. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
USD/EUR trades on Federal Reserve versus European Central Bank dynamics. US-eurozone interest-rate differentials, inflation prints on both sides, and broader US-EU trade and political developments all move the pair. The Federal Reserve's policy stance, ECB policy, and broader economic and political developments all feed into the rate.
We never forecast — but the chart above puts today's rate in context. Rate alerts let you set a target level and wait passively rather than guessing on macro. For larger transfers (property, business invoices, relocation budgets), forward contracts protect against adverse moves.
US banks typically mark up USD/EUR by 2-4% for retail customers — sometimes more for non-major-currency transfers. SummitFX spreads are 0.5-0.9% depending on size — meaningful savings, particularly on larger property, business, or relocation transfers. We're FCA-regulated in the UK and serve US clients via international wire.
If your USD arrives with us by 14:00 UK time on a UK business day, we settle the EUR the same day via SEPA. EUR typically lands in your beneficiary's Spanish account within hours — often inside an hour for SEPA Instant. Most US clients send funds via Fedwire which arrives same-day; ACH typically takes 1-2 business days, so plan timing accordingly.
Yes. If you know an upcoming Spanish property completion date, scheduled business invoice, tuition payment, or relocation budget, 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 $1,000 to $20m+. For recurring smaller payments (monthly family support, mortgage payments, scheduled obligations), market orders or standing arrangements work better than ad-hoc bookings.
The rate shown on Google, XE, or in our chart above is the mid-market rate — the midpoint of interbank buy and sell quotes. Nobody actually transacts at this rate; providers add a margin. Banks typically 2-4%, transfer apps 0.7-1.0%, SummitFX 0.5-0.9% — with our clients also getting a named dealer and WhatsApp access.
Yes — US-to-Spain property purchases are common, particularly in Marbella, Mallorca, and Barcelona. We coordinate timing with your Spanish notario or property lawyer; forward contracts protect deal economics during the 4-12 week conveyancing window. For trades above $100,000 your dealer can also schedule a strategy call rather than booking via WhatsApp alone.
Message us on WhatsApp and we'll have a live USD/EUR rate back in seconds.