Move your money to Spain — without losing it to bad rates and bank fees.
When you’re moving to Spain, transferring savings, deposits and pension payments through your bank can easily cost you thousands due to uncompetitive exchange rates and hidden fees. Spartan FX is the currency provider Spainguru recommends — FCA-regulated, no transfer fees, real human service, and a free guide written specifically for the Spainguru audience.
The straight answer to “who should I move my money with?”
A short, honest explainer from Spainguru on why we keep referring readers to Spartan FX for international payments.
Spainguru’s take
Why Spartan FX is on our short list
Vetted partnerAlmost every reader moving to Spain will need to transfer money at some stage — whether for visa fees, legal and insurance costs, a rental deposit, a property purchase, ongoing pension payments, or simply to live off savings while settling in.
Converting funds through a high-street bank typically costs 2–4% via a hidden exchange-rate margin, often alongside additional transfer or receiving fees.
With Spartan FX, you can have peace of mind knowing your funds are safeguarded through payments giant Visa Inc. This means your transfers are processed via regulated financial institutions across the US, UK, Europe and beyond. Just as importantly, their team will help you navigate the compliance and regulatory requirements associated with international payments.
Spartan FX is the specialist we direct Spainguru readers to because they focus on what actually matters. Clients can take a more structured approach by building a currency strategy over time, rather than simply accepting the live rate. Tools such as limit orders, stop losses and forward contracts let you define best- and worst-case scenarios — particularly valuable in the current geopolitical environment. Most online-only services don’t offer this level of control.
When you’re moving your life savings internationally, many people value having an experienced professional guiding the process rather than relying purely on an app.
You won’t pay anything extra for using this service — opening a Spartan FX account is free, and the guide download is also free. Spainguru may receive a small introduction fee from Spartan FX, which helps keep our resources free for readers.
Banks hide this when sending money to Spain.
Spainguru sits down with Michael Hart from Spartan FX to unpack the hidden costs of moving large sums to Spain, why high-street banks quietly give poor exchange rates, and how expats can save thousands when buying property or relocating.
Four things that actually move the needle.
No jargon. The four product features that matter most when you’re moving meaningful sums to Spain.
Best exchange rate guarantee
If you find a better live rate elsewhere on the same trade, Spartan FX matches it. The rate gap vs. a bank is typically where you save the most.
No transfer fees
Zero per-transfer charges, however many transfers you make. Send a deposit today and a pension top-up next month — same deal.
24/7 secure online platform
Lock in a rate, send funds, or set up a forward contract from any device, any hour. SWIFT Faster Payments arrive within hours.
A real person on the line
One-to-one service with a named specialist. For the bigger transfers — a deposit, a property completion — you’re talking to someone, not a chatbot.
Regulated, audited, and held in segregated accounts.
Spartan FX’s underlying payment partners are FCA-authorised in the UK, with equivalent licences in the EU and the US. Client funds sit in accounts that are completely separate from company money.
All client money is held in segregated client accounts under Spartan FX’s FCA-authorised payment partners. See the Spartan FX × Spainguru page for full regulatory details.
Four steps from “thinking about it” to “money landed in Spain”.
No long forms, no monthly fees. Open the account, agree the rate, send the funds.
Open an account
Free to open. Standard ID checks (KYC), all online. Most accounts are activated within a day.
Agree the rate
Lock in today’s rate, or set a target rate and let Spartan FX trigger when the market hits it.
Send your funds
Transfer your money into your segregated Spartan FX client account. Funds are never mingled with company money.
Payment lands
SWIFT Faster Payments out — usually same-day. Notary, solicitor, landlord or your own Spanish account.
Why people moving to Spain use a specialist instead of their bank.
Indicative figures based on typical UK/US high-street bank transfer costs. Your actual rate will vary — ask Spartan FX for a live quote.
From Spartan FX’s independent Feefo reviews.
Feefo only allows verified Spartan FX customers to leave reviews — these aren’t testimonials Spartan FX selected.
“Top grade client care. Ben and colleague Neil ensured my mother and fathers currency exchange went without a hiccup. The client care before, during, and after the sale of the property was second to none.”Rafael B Verified Feefo review
Get the free ‘Moving Money to Spain’ guide.
Sign up takes about a minute. You’ll receive the Spartan FX × Spainguru guide written specifically for our readers, plus the option to book a free 20-minute consultation if you’d rather start with a conversation. No payment, no obligation.
Already decided? Open your Spartan FX client account →