Send Money to France — Free, Fast, No Fees
Send money to anyone in France. Recipient withdraws euros to any French bank via SEPA in under 20 minutes. No fees on either end.
Send Money to France — No Fees, Real Market Rate
Sending money to France with Peanut costs nothing. The recipient withdraws euros directly to any French bank account via SEPA — free, with 90% of withdrawals arriving in under 20 minutes. No hidden charges, no exchange rate markups, no intermediary banks taking a cut.
France is part of the SEPA zone, which means Peanut's SEPA integration provides full deposit and withdrawal access. Whether you are sending money to family, paying a French contractor, or moving your own funds to a French bank account, Peanut is the fastest and cheapest path.
Why Peanut Is the Best Way to Send Money to France
No Fees
Every step is free. Depositing into Peanut costs nothing — whether you use digital dollars from an exchange, SEPA from a European bank, or ACH from a US bank. Sending the money is free. The recipient withdrawing to their French bank account via SEPA is free. Compare that to the alternatives:
- Wise: 0.4-1.5% in additional charges on every transfer
- PayPal: 3-4% cross-border fee, plus an unfavorable exchange rate markup
- Western Union: $5-$15+ flat fee per transfer, plus a rate markup
Better Exchange Rate
For non-EUR senders (US, UK, Latin America), the exchange rate matters. Peanut converts digital dollars to euros at the market rate — no hidden markups. For EUR-to-EUR transfers within the SEPA zone, there is no currency conversion at all — the recipient gets exactly what you send.
Fast
SEPA withdrawals to French banks are fast. 90% arrive in under 20 minutes. If the recipient's bank supports SEPA Instant, it can be even faster. Peanut-to-Peanut transfers are always instant.
No Local Account Needed on the Sender's Side
You do not need a French bank account or a Carte nationale d'identité to send money to France. Verify with any passport or national ID card from any country. The recipient needs a French bank account with an IBAN to receive the SEPA withdrawal.
How It Works
- 1
Sign up and verify
Create a Peanut account and verify with your passport or national ID card. The process takes under 2 minutes.
- 2
Deposit funds
US users deposit via ACH (free, 1-3 business days). European users deposit via SEPA (free, under 20 minutes). Anyone can send USDC, USDT, or DAI on Solana, Arbitrum, Base, or other supported networks — free, arrives in minutes.
- 3
Send to the recipient
Send money to the recipient's Peanut account — arrives instantly. Or send via a Peanut Link that anyone can claim without an account.
- 4
Recipient withdraws to French bank
The recipient withdraws euros to their French bank account via SEPA. 90% of SEPA withdrawals arrive in under 20 minutes. Free.
Where the Money Goes
SEPA Bank Withdrawal
The recipient withdraws their Peanut balance to any French bank account via SEPA transfer. This works with every French bank — BNP Paribas, Société Générale, Crédit Agricole, La Banque Postale, or any other institution. The withdrawal is free and 90% arrive in under 20 minutes.
Digital Dollar Withdrawal
The recipient can also withdraw USDC, USDT, or DAI to any external wallet on supported networks. This is useful for recipients who prefer to hold digital dollars or forward funds to another destination.
Peanut Balance
The recipient can hold funds in their Peanut balance as digital dollars and spend later — in France via bank withdrawal, or abroad via local payment systems like Mercado Pago in Argentina or Pix in Brazil.
How Much Does It Cost?
Peanut charges no fees on deposits, transfers, or withdrawals.
| Service | Transfer Fee | Exchange Rate | Speed |
|---|---|---|---|
| Peanut | Free | Market rate | SEPA: under 20 min |
| Wise | 0.4-1.5% | Mid-market (close) | 1-2 business days |
| PayPal | 3-4% | Unfavorable markup | 1-3 business days |
| Western Union | $5-$15+ | Rate markup | Hours to days |
For full details, visit the pricing page.
Sending from Specific Countries
Send Money from the United States to France
US-based senders deposit via ACH (free, 1-3 business days) or digital dollars from an exchange (free, arrives in minutes). The recipient in France withdraws euros to their bank via SEPA.
Send Money from the United Kingdom to France
UK senders can deposit via SEPA if they hold a euro-denominated account. For GBP-denominated accounts, the fastest path is sending digital dollars from a UK exchange — deposits arrive in minutes.
Send Money from Latin America to France
Senders in Latin America deposit digital dollars from a local exchange. The recipient in France withdraws euros to their bank via SEPA — free and fast.
FAQ
How much does it cost to send money to France with Peanut?+
Nothing. Deposits, sending, and withdrawals are all free. The exchange rate is the market rate with no hidden charges. Compare that to Wise (0.4-1.5%), PayPal (3-4%), or Western Union ($5-$15+ per transfer).
How long does it take to send money to France?+
Peanut-to-Peanut transfers are instant. SEPA withdrawals to French bank accounts take under 20 minutes for 90% of transfers. Deposit speed depends on your funding method: digital dollars arrive in minutes, SEPA deposits land in under 20 minutes, ACH takes 1-3 business days.
Does the recipient need a Peanut account?+
Not necessarily. You can send a Peanut Link — the recipient clicks it and can claim funds to a new Peanut account or withdraw directly to their French bank via SEPA.
What exchange rate does Peanut use for France?+
For EUR-to-EUR (sender in SEPA zone): no conversion needed. For non-EUR senders: Peanut converts digital dollars to EUR at the market rate. The rate locks at the moment of conversion.
Do I need a French ID to send money to France?+
No. You can verify with any passport or national ID card from any country. No Carte nationale d'identité or French residency needed.
