Sending
Sending is a European mobile-only P2P payments app offering free instant transfers between users and free standard bank transfers to any EU/EEA account. It stands out with real mid-market exchange rat…
💬 Verdict
Sending is an excellent choice for EU/EEA residents who make frequent small-value transfers and want to avoid fees and FX markups. If you value instant payments between friends and transparent exchange rates, it's worth a try. However, if you need global coverage, desktop access, or a more comprehensive financial toolbox, look elsewhere. Bottom line: a solid, free money-transfer tool for Europe, but with clear limitations.
Sending
Free plan available — no credit card required
📊 Pros & Cons
Pros
- 👍 Free transfers between Sending users, including instant person-to-person payments.
- 👍 Free standard bank transfers to all EU/EEA accounts, not just Sending users.
- 👍 Uses real mid-market exchange rates for cross-currency transfers with no hidden FX markup.
- 👍 Mobile-focused app that is clean, fast, and easy to set up.
- 👍 Ideal for eurozone users who just want to send money without juggling multiple banking apps.
Cons
- 👎 Only available as a mobile app — no web dashboard or desktop access.
- 👎 Limited to EU/EEA payments; not useful for global sends outside Europe.
- 👎 Core P2P features only work when both sender and recipient have the Sending app.
- 👎 Does not offer multi-currency accounts or business payment features like Wise or Revolut.
- 👎 No integrated escrow, buyer protection, or merchant tools for online purchases.
🎯 Use Cases
Free instant transfers between Sending users make splitting rent, dinners, or travel costs effortless, and keeping it inside the app adds no fees.
Real mid-market exchange rates mean you avoid the typical 2-4% FX markup, making it a smart choice for cross-border personal transfers.
The app provides a digital, traceable alternative to handing over cash, and peer-to-peer transfers are instant and free.
You can send money directly to a seller's bank account without fees, but it lacks escrow or buyer protection systems found on marketplace apps.
🔍 Deep Dive
There are no visible hidden fees for standard transfers, but your own bank may charge for outgoing SEPA or international transfers, and cross-currency transfers require using the app's exchange rate, which may not always be the exact live interbank rate.
Minimal — the app works like most fintech transfer apps: verify identity, link an account, and send money in a few taps.
Businesses, frequent global senders outside the EU/EEA, and anyone who prefers a full-featured digital bank with multi-currency accounts.
❓ Frequently Asked Questions
Is Sending really free to use?
Yes, for normal personal use. Transfers between Sending app users are free, and standard EU/EEA bank transfers are also free. For cross-currency transfers, you get the interbank mid-market rate without any added markup.
Which countries can I send money to with Sending?
You can send bank transfers to accounts within the EU/EEA. If the recipient also uses the Sending app, the transfer is instant and free.
Does Sending support business or commercial transfers?
Sending is primarily designed for person-to-person payments, not business or commercial transactions. Business users should look at dedicated payment platforms like Wise or a business bank account.
How long does a transfer take?
Transfers between Sending users are typically instant. EU/EEA bank transfers usually arrive within 1 to 2 business days, depending on the banks involved.
Is there a web version of Sending?
No, Sending is a mobile-first app. All transfers, account management, and features are accessed through the Android or iOS app.
What currencies does Sending support?
Sending supports euro and other EU/EEA currencies for cross-currency transfers. The exact list can vary, but it covers the primary currencies used in the region.
How do I fund a transfer on Sending?
You fund transfers by linking a bank account, debit card, or existing balance within the Sending app. Transfers between Sending users are free; external bank transfers may be subject to your bank's standard charges.
