Quote on WhatsApp
Tell us: amount in EUR, recipient name + account, country and bank. We reply within 5 minutes with the locked rate, the fee, and the exact number your family will receive.
Money transfer · From LatviaSend money home —
Send money home —
real rate, flat fee.
Interbank rate + 0.5% spread + €2–€5 flat fee. That's it. No weird “exchange margin.” No 4% surprise. Quote on WhatsApp, bank-transfer in, money arrives in your family's account the same day.
Same-day arrival to most corridors · WhatsApp tracking
0.5%Spread on FX
€2–€5Flat fee, all in
6Corridors live
Same dayArrival in most
What you actually pay
Western Union: 4% margin. Us: 0.5%.
When you send €500 to India through a high-street operator, the receiver sees roughly 43,000–43,500 INR. Through us they see ≈45,140 INR. That's €18–€26 saved on a single transfer.
We charge a flat €2–€5 fee (€2 for EU SEPA, €3 for India/Pakistan, €5 for Nepal/Bangladesh) and apply our 0.5% FX spread. The whole number is on the WhatsApp quote you approve before sending.
Source rate: ECB reference + interbank mid. Rails: IMPS (India), IBFT (Pakistan), BEFTN (Bangladesh), FAST (Turkey), SEPA Instant (EU).
How sending works
Three steps. Same-day arrival.
Bank-transfer to us
We send you our Latvian IBAN and a reference code. SEPA Instant is preferred — funds arrive at us in under 60 seconds. Once received, we confirm on WhatsApp.
We push out + track
We execute the FX, push via the local instant-payment rail, and WhatsApp you when it lands in the recipient's account with their bank's reference number.
Live corridors
Six corridors. Rates and arrival times.
Pulled from the interbank mid-rate at 01:31 EET, plus a transparent 0.5% spread. Locked for 30 minutes when you message us. Send-cutoff is 14:00 EET for same-day delivery on most corridors.
India
1 EUR ≈ 110 INR
ArrivalSame day · IMPS
Example€500 → ₹55,148
Pakistan
1 EUR ≈ 323 PKR
ArrivalSame day · IBFT
Example€500 → ₨1,61,694
Bangladesh
1 EUR ≈ 142 BDT
ArrivalSame day · BEFTN
Example€500 → ৳71,168
Nepal
1 EUR ≈ 176 NPR
Arrival1 working day
Example€500 → रू88,236
Turkey
1 EUR ≈ 53 TRY
ArrivalSame day · FAST
Example€500 → ₺26,600
EU SEPA
1:1 EUR
ArrivalSame day · SEPA Inst.
Example€500 → €500
- 0.5%Single FX spread
- €2–€5Flat fee, no surprises
- 6Live corridors
- Same dayTo most destinations
Common questions
Frequently asked.
How is your rate set?
Real interbank mid-rate from our liquidity provider + 0.5% spread + a flat €2–€5 fee depending on corridor. Final amount is visible on the WhatsApp quote before you commit.
Why is this cheaper than Western Union or MoneyGram?
Those services typically charge 4–6% on the rate plus a fixed fee. We charge 0.5% + a flat €2–€5. On a €500 transfer to India that's roughly €18–€26 saved.
How fast does the money arrive?
India, Pakistan, Bangladesh, Turkey: same-day if you send before 14:00 EET via fast payment rails. Nepal: 1 working day. EU SEPA Instant: under 10 seconds.
How do I send?
WhatsApp us the recipient details (name, IBAN/account, country, bank). We quote the all-in rate. You bank-transfer to our Latvian IBAN. We push the funds out the same day.
Can I track the transfer?
Yes. We send a WhatsApp message when we receive your funds, another when we push out the transfer, and the bank reference number for the recipient to track on their side.
What documents do I need?
For the first transfer with us: a copy of your ID and source-of-funds confirmation (a payslip or recent invoice). Subsequent transfers up to €5,000 require nothing extra. Larger amounts trigger standard AML checks per Latvian law.
Do you handle business transfers?
Yes — for self-employed people and SIA. We can invoice and issue a VAT-marked receipt for accounting. Bigger corridors and larger amounts are negotiable.
Also from RozoFinance
Changing cash, not sending it home?
We also do in-office currency exchange — same transparent pricing, nine currencies, locked-rate quotes via WhatsApp.
Send today
Tell us where it goes.
WhatsApp us recipient + amount. Quote in 5 minutes. Same-day arrival if sent before 14:00 EET.
0.5% + €2–€5 flat
Or come in
Riga office.
Walk in Mon–Fri 10:00–18:00 EET. We do the quote, you bank-transfer from your phone, we push it out before you leave.
In-person or remote
Have a question first? Message Santa.
Mon–Fri 10:00–18:00 EET. Most messages answered within the hour.