Send money to Europe
Over SWIFT · SEPA, with the amount converted to euro and the delivery window stated before you confirm. The fee is up to 1.8% of what you send.
- Currency
- euro (EUR)
- Method
- SWIFT · SEPA
- Delivery
- Instant
- Fee
- up to 1.8%
The final leg into Europe runs over SWIFT · SEPA. What MON 3 handles is the one before it: a single conversion into euro, priced before you confirm rather than deducted along the way.
MON 3 fee (max 1.8%): − R$18.00
~ €163.31
Estimated amount · 1 BRL = 0.1663 EUR · updated 2026-09-01
The final amount appears in the app before you confirm.
The cost, line by line
What you pay to send money to Europe, and when.
| Item | With MON 3 | What that means |
|---|---|---|
| Fee on the amount sent | Up to 1.8% | Includes the conversion into euro |
| Rate applied | The live one | On screen, before you confirm |
| When the final amount is known | Before you confirm | If the number does not suit you, do not confirm |
| Time to reach the account | The delivering network's window | Stated on screen before you confirm |
| Delivery method | SWIFT · SEPA | The network that delivers in Europe |
The percentage applies to the amount sent. The calculator above uses the live rate and shows how much arrives.
Countries covered
A transfer into the euro area reaches Portugal, Germany, France, Spain, Italy, Netherlands, Belgium, Austria, Ireland and Finland over the same network, in the same currency and within the same window — which is why this is one page.
What the recipient needs
The local bank details the network requires. No MON 3 account, no app and no sign-up needed to receive.
How to send to Europe
Create your account
Free sign-up in minutes, with identity verification.
Choose Europe and the amount
See the rate and total cost instantly, before confirming.
Pay and track
Confirm, pay and track delivery to Europe in real time.
Why send to Europe with MON 3
Fast
Delivery instantly via SWIFT · SEPA.
Affordable
A fee of up to 1.8%, with no hidden costs. You see everything before confirming.
Secure
Bank-grade infrastructure, encryption and identity verification.
Speed compared
Frequently asked questions
How long does it take to send money to Europe?
For Europe, delivery is instantly via SWIFT · SEPA (Instant).
How much does it cost to send money to Europe?
The fee is at most 1.8%, with no hidden costs. You see the final amount before confirming.
In which currency does the money arrive in Europe?
Your amount is converted and delivered in euro (EUR), the local currency of Europe.
Is it safe to send money to Europe with MON 3?
Yes. MON 3 uses bank-grade infrastructure, strong encryption and identity verification on every transfer.
How soon does the money arrive in Europe?
Delivery in Europe runs over SWIFT · SEPA, and its window is shown before you confirm. The total time also depends on how the money leaves the sending account.
Does the recipient need a MON 3 account?
The local bank details the network requires. No MON 3 account, no app and no sign-up needed to receive.
How do I know how much arrives in euro before sending?
The calculator on this page uses the live rate. When you actually send, the amount is locked and held through confirmation, so the number you see is the number that arrives.
Who is MON 3?
MON 3 is Montres Global LTDA, founded in 2025 and an official Circle partner. Custody and transfer of the money are carried out by licensed financial institutions in each country — MON 3 arranges the operation and locks the price with you.
Ready to send money to Europe?
