How to Send Large Amounts of Money to France Easily

Sending a large amount of money to France from the UK — whether for a property purchase, relocation, investment, or family support — requires more than just picking the first provider you recognise. When transfer amounts reach £10,000 or more, exchange rates, international money transfer fees, and timing can make a significant difference to the total cost.

This guide explains the best way to send large amounts of money to France from the UK, compares different provider types, and shows how costs can vary at £10,000, £50,000, and £100,000+ levels. It’s written for general information purposes and designed to help readers who want to compare money transfer providers before moving substantial sums.

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What is the best way to send large amounts of money to France from the UK?

For large transfers to France, specialist money transfer services or currency brokers are often more cost-effective than banks. They typically offer better GBP–EUR exchange rates, lower overall costs, and tools such as rate alerts or forward contracts to manage timing and exchange rate risk.

What affects the cost of large transfers to France?

For large international transfers, total cost is driven primarily by exchange rates rather than visible fees.

Exchange rate margins vs fees

Some providers advertise “no transfer fees” but apply a margin to the GBP–EUR exchange rate. Others charge a visible fee while offering a more competitive rate. On large transfers, even a 0.2% exchange rate difference can equate to hundreds of pounds.

For example:

• £50,000 × 0.2% = £100 difference
• £100,000 × 0.3% = £300 difference

This is why focusing on the overall cost, not just fees, is essential.

Transfer method and timing

Costs and speed may also depend on:

• Bank transfer vs specialist money transfer service
• Whether the transfer is one-off or staged
• Market conditions at the time of transfer

Compare exchange rates and transfer fees.

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Common ways to send large amounts to France

High-street banks

UK banks allow international transfers to France via SEPA or SWIFT. While convenient, banks often:

• Apply exchange rate markups
• Offer limited visibility on total costs
• Provide less flexibility for large transfers

Banks are rarely the cheapest option for six-figure transfers.

Digital money transfer services

Digital providers such as Wise are commonly used for:

• Medium to large transfers
• Transparent pricing
• Faster delivery to French bank accounts

However, for very large amounts, some users also compare broker-style services.

Currency brokers and specialist providers

For large transfers to France, many people consider currency brokers such as TorFX, OFX, or Currencies Direct. These providers often focus on:

• Competitive exchange rates for large amounts
• Broker support and rate discussions
• Tools such as forward contracts

This makes them popular for property purchases and relocations.

Cost examples: sending large amounts to France

The examples below are illustrative only. Actual costs depend on live GBP–EUR rates and provider pricing.

Sending £10,000 to France

At £10,000:

• Differences between providers may be modest
• Exchange rate transparency still matters

Digital services and brokers can both be competitive.

Compare costs for your transfer amount.

Sending £50,000 to France

At £50,000:

• Small rate differences can result in noticeable cost changes
• Broker-quoted rates may offer better value

This is a common range for property deposits.

Sending £100,000 or more to France

For £100,000+:

• Exchange rate margins have a major impact
• Forward contracts may help manage rate risk
• Service quality becomes as important as price

For very large transfers, many users avoid banks altogether.

Comparison table: best ways to send large sums to France

Is timing important when sending money to France?

Yes. The GBP–EUR exchange rate can fluctuate daily, which affects how many euros are received. For large transfers:

• Some providers offer rate alerts
• Brokers may offer forward contracts
• Staging payments can reduce timing risk

This is particularly relevant for property purchases with fixed completion dates.

Compare providers before choosing.

Paying for property and major expenses in France

When sending money for a French property purchase:

• Funds are usually sent to a notaire’s client account
• Bank details must be checked carefully
• Transfers should be scheduled well before completion

Currency brokers are commonly used in this scenario due to support and rate management options.

Which option is usually best for large transfers?

There is no single “best” option for everyone:

• Banks are familiar but often expensive
• Digital providers suit many large, simple transfers
• Brokers may offer better rates and support for very large sums

The best approach is to compare providers based on exchange rates, fees, and service level for your specific amount.

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Destination-specific guidance

Costs can vary depending on the receiving bank and region in France. Before sending money, it helps to review:

• A Send Money to France page
• A Cheapest Way to Send Money to France guide

These focus specifically on GBP–EUR transfers and French payment requirements.

See costs for sending money to France.

FAQs About Sending Large Amounts of Money to France

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