{"id":2072,"date":"2025-10-03T11:46:02","date_gmt":"2025-10-03T09:46:02","guid":{"rendered":"https:\/\/curiara.com\/europa\/?p=2072"},"modified":"2025-10-15T17:01:29","modified_gmt":"2025-10-15T15:01:29","slug":"international-transfer-commissions-time","status":"publish","type":"post","link":"https:\/\/curiara.com\/europa\/en\/transferencia-internacional-comisiones-tiempo\/","title":{"rendered":"Fees and times: what you need to know before making an international transfer"},"content":{"rendered":"<p>Sending money home is never just about moving figures on a screen. For us, the brave ones who support our families from far away, every <strong>international transfer<\/strong> is an act of love.&nbsp;<\/p>\n\n\n\n<p>It is to send a hug that crosses borders, it is to turn hours of work into medicine, food and opportunities. And for that very reason, to understand <strong>commissions and times<\/strong> is vital: we want our effort to arrive fully, quickly and safely.<\/p>\n\n\n\n<p>In this article we will tell you clearly what costs to consider, how long it can take to <strong>international transfer<\/strong>why to avoid informal remittances, how to identify trustworthy companies and how to <a href=\"https:\/\/curiara.com\/europa\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Curiara<\/strong><\/a> turns this act of love into a simple, transparent and swift experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is an international transfer and why does it matter so much?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/que-es-una-transferencia-internacional.jpg\" alt=\"what is an international transfer\" class=\"wp-image-2083\" title=\"what is an international transfer\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/que-es-una-transferencia-internacional.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/que-es-una-transferencia-internacional-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/que-es-una-transferencia-internacional-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/que-es-una-transferencia-internacional-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>A <strong>international transfer<\/strong> is the sending of money from one country to another via banks, <strong>remittance companies <\/strong>or digital platforms.&nbsp;<\/p>\n\n\n\n<p>For us, it is also a bridge that keeps us close to our loved ones. That's why knowing how the fees are calculated, how the exchange rate works and what factors affect the timing is key to getting the money there on time and without surprises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Commissions: what nobody tells you<\/strong><\/h2>\n\n\n\n<p>In a <strong>international transfer<\/strong>The amount that goes out is not always the same as the amount that comes in. These are the pieces of the puzzle:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Fixed commissions<\/strong><\/h3>\n\n\n\n<p>Some providers charge a <strong>fixed tariff<\/strong> per shipment. If you send small amounts, that commission \"weighs\" more, while if you send large amounts, it tends to be diluted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Percentage commissions<\/strong><\/h3>\n\n\n\n<p>Other companies charge a <strong>percentage<\/strong> of the amount. It may be convenient for modest shipments, but if you send more, the cost escalates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The hidden cost: the exchange rate<\/strong><\/h3>\n\n\n\n<p>This is the most common trap. There are services that \"<strong>they do not charge commission<\/strong>\"but you are charged a less favourable exchange rate.<\/p>\n\n\n\n<p>That difference is money that your family does not receive. In all <strong>international transfer<\/strong>Always compare the actual exchange rate with the one you are offered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Intermediaries<\/strong><\/h3>\n\n\n\n<p>In networks such as <a href=\"https:\/\/www.caixabank.es\/particular\/cuentas-bancarias\/bic-swift-p.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SWIFT<\/strong><\/a>The money may go through intermediary banks that deduct additional charges. The result: less arrives at the destination.<\/p>\n\n\n\n<p><strong>With Curiara<\/strong> the story is different:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The exchange rate varies daily<\/strong>, y <strong>we show it to you in full transparency<\/strong>together with the applicable fee, <strong>for your approval before sending<\/strong>.<br><\/li>\n\n\n\n<li><strong>First consignment free of charge<\/strong>Your first shipment without commission so you can try it out with confidence.<br><\/li>\n\n\n\n<li><strong>Competitive rates and fees<\/strong> market, clear and without small print.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Times: because love should not take long<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/abrazos-de-remesas.jpg\" alt=\"remittance hugs\" class=\"wp-image-2082\" title=\"remittance hugs\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/abrazos-de-remesas.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/abrazos-de-remesas-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/abrazos-de-remesas-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/abrazos-de-remesas-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>The times of a <strong>international transfer<\/strong> depend on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The network: <strong>SWIFT<\/strong> usually takes 1-5 working days; <strong>SEPA<\/strong> (in the EU) can be faster; <strong>the <\/strong><a href=\"https:\/\/www.impulsa-empresa.es\/diccionario\/fintech\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>fintech<\/strong><\/a> can be almost immediate.<br><\/li>\n\n\n\n<li>The countries involved: the <strong>banking connectivity<\/strong> y <strong>regulatory<\/strong> changes from runner to runner.<br><\/li>\n\n\n\n<li>Working days and public holidays: a Friday afternoon is not the same as a Tuesday morning.<br><\/li>\n\n\n\n<li>Data verification: a <strong>IBAN<\/strong> misspelled, a <strong>name<\/strong> other than the holder or a <strong>check<\/strong> security measures can put the brakes on everything.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>The Curiara Promise<\/strong>: your beneficiary <strong>ALWAYS received within 24 working hours<\/strong> from the moment we receive your payment. Please note: <a href=\"https:\/\/curiara.com\/europa\/en\/venezuela-banking-calendar-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>does not apply on weekends and holidays in Venezuela.<\/strong><\/a>because local banking does not operate then. If you want maximum speed, <strong>pay by credit or debit card<\/strong> (and if you are in <strong>Spain<\/strong>you can also use <strong>Bizum<\/strong>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tips for fast travel<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose the right method: online and regulated, with delivery to a bank account.<br><\/li>\n\n\n\n<li>Have your documentation ready: identification and, if requested, proof of address.<br><\/li>\n\n\n\n<li>Check fares and exchange rates before confirming.<br><\/li>\n\n\n\n<li>Plan ahead according to bank holidays and banking hours.<br><\/li>\n\n\n\n<li>Choose card or Bizum to speed up payment accreditation.<br><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>With Curiara<\/strong>your money always arrives in less than <strong>24 working hours after receipt of your payment<\/strong>. If you need it to be as fast as possible, pay by card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Informal remittances: why they seem tempting... and why they are dangerous<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/remesas-informales.jpg\" alt=\"informal remittances\" class=\"wp-image-2078\" title=\"informal remittances\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/remesas-informales.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/remesas-informales-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/remesas-informales-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/remesas-informales-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>When the going gets tough, as it has with recent migration shifts and tense economic contexts, many look for quick exits.&nbsp;<\/p>\n\n\n\n<p>This is where the <a href=\"https:\/\/curiara.com\/europa\/en\/remesas-informales-por-que-son-peligrosas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>informal remittances<\/strong><\/a>The following are just a few examples: WhatsApp groups, \"the neighbour's friend\", personal accounts and unregulated money changers promising miracles.<\/p>\n\n\n\n<p>The problem is that the \"easiest\" can be very expensive:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lack of security:<\/strong> If something goes wrong, there is no contract and no back-up; you have no one to complain to.<br><\/li>\n\n\n\n<li><strong>Loss of money:<\/strong> Cases abound where the money never arrived.<br><\/li>\n\n\n\n<li><strong>Hidden fees: <\/strong>they offer you \"great rates\", but in the end you get less.<br><\/li>\n\n\n\n<li><strong>Legal risks:<\/strong> moving money through unauthorised channels exposes you without your knowledge.<br><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Your effort deserves to be complete and smooth. Avoid shortcuts. Choose regulated, transparent and traceable routes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to recognise a reliable company<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/empresas-confiables-de-remesas.jpg\" alt=\"reliable remittance companies\" class=\"wp-image-2081\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/empresas-confiables-de-remesas.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/empresas-confiables-de-remesas-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/empresas-confiables-de-remesas-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/empresas-confiables-de-remesas-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Before making a <strong>international transfer<\/strong>check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Licensing and regulation<\/strong>operating legally in the country of origin and complying with regulations.<br><\/li>\n\n\n\n<li><strong>Transparency:<\/strong> to show you <strong>rate and commission before confirming<\/strong>.<br><\/li>\n\n\n\n<li><strong>Reputation:<\/strong> <a href=\"https:\/\/www.google.com\/search?sca_esv=2236234dce6e64d8&amp;rlz=1C5CHFA_enES1104ES1104&amp;uds=AOm0WdE2fekQnsyfYEw8JPYozOKzDB7cpLY6v7-Kx41m7wBPTk-uF-2Z2f8ZT2PPlQahpQjKYow64XI146MXJOUM9_lS4IH3y2rURpk7DRu9YTAvGmFLQOjPRtiiOCR_FawDkaFn3l69-WcuTsOFitu7urfTrnrpXA&amp;q=Curiara+Europa+Rese%C3%B1as&amp;si=AMgyJEtREmoPL4P1I5IDCfuA8gybfVI2d5Uj7QMwYCZHKDZ-E91blYOxukN7yhrGBGwO8PkQGtXNXQqE1Noehi6-Ey7NhUJ4ke9_jW5cO5wyu54Dhvf-kXbU4LAv-YKn0H1YJWF_W3n5&amp;hl=es-ES&amp;sa=X&amp;ved=2ahUKEwjmzYWn7YKQAxUnV6QEHfo8Lb4Q_4MLegQIUhAN&amp;biw=1920&amp;bih=992&amp;dpr=1\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>real reviews on Google<\/strong><\/a>\/Trustpilot and active community.<br><\/li>\n\n\n\n<li><strong>Technological security:<\/strong> web\/app with HTTPS, two-step verification and encryption.<br><\/li>\n\n\n\n<li><strong>Real customer service: <\/strong>available channels and timely responses.<br><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Curiara<\/strong> and more, it backs up every shipment with valid receipts for formalities (including <strong>family reunification<\/strong>), offers close support (including WhatsApp), and allows you to follow the status of your shipment in real time from the web or app (<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.curiara.sendmoney&amp;hl=es\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Android<\/strong><\/a> y <a href=\"https:\/\/apps.apple.com\/es\/app\/curiara-europa\/id1565559588\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>iOS<\/strong><\/a>).<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step by step: how to send your Curiara<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/curiara-envios-tranferencia-internacional.jpg\" alt=\"curiara shipments international transfer\" class=\"wp-image-2079\" title=\"curiara shipments international transfer\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/curiara-envios-tranferencia-internacional.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/curiara-envios-tranferencia-internacional-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/curiara-envios-tranferencia-internacional-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/curiara-envios-tranferencia-internacional-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Register (\u224810 minutes).<\/strong> We comply with international standards, so we verify your identity only once.<br><\/li>\n\n\n\n<li><strong>Add your beneficiary<\/strong>IBAN, SWIFT\/BIC or complete and correct bank coordinates.<br><\/li>\n\n\n\n<li><strong>Choose amount and review:<\/strong> you will see the daily rate and applicable fee for your approval.<br><\/li>\n\n\n\n<li><strong>Pay:<\/strong> card (recommended), bank transfer or Bizum (if you are in the <strong>Spain<\/strong>).<br><\/li>\n\n\n\n<li>Real-time monitoring.<br><\/li>\n\n\n\n<li><strong>Delivery:<\/strong> your family receives in less than 24 working hours (except weekends and public holidays on <strong>Venezuela<\/strong>).<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Golden tips to squeeze every shipment<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verify the data: a misspelled digit may delay your <strong>international transfer<\/strong>.<br><\/li>\n\n\n\n<li>Take advantage of working days: avoid Friday afternoons or holiday eves.<br><\/li>\n\n\n\n<li>Bundle shipments if you pay flat rates; if the commission is a percentage, consider splitting.<br><\/li>\n\n\n\n<li>Avoid informal remittances: protect your money and your family.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A hug that crosses borders<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"http:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/transferencia-internacional.jpg\" alt=\"international transfer\" class=\"wp-image-2080\" title=\"international transfer\" srcset=\"https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/transferencia-internacional.jpg 800w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/transferencia-internacional-300x200.jpg 300w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/transferencia-internacional-768x512.jpg 768w, https:\/\/curiara.com\/europa\/wp-content\/uploads\/sites\/2\/2025\/10\/transferencia-internacional-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Each <strong>international transfer<\/strong> is much more than money: it is a kiss hidden in a receipt, it is the dinner that brings your family together, it is the new notebook of a child who dreams, it is the medicine that gives relief and hope.&nbsp;<\/p>\n\n\n\n<p>Each mailing is a way of saying \"I love you\", \"I am not forgetting you\", \"we are together even if an ocean separates us\".<\/p>\n\n\n\n<p>At <strong>Curiara<\/strong> We understand and celebrate it, because we are also children, parents, siblings and friends who know what it means to miss and yet still be present.&nbsp;<\/p>\n\n\n\n<p>That's why we've set out to row with you so that your <strong>remittances<\/strong> always arrive complete, promptly and transparently.<\/p>\n\n\n\n<p>And we are here to make sure that this love always arrives safely, securely, steadily and swiftly.&nbsp;<\/p>\n\n\n\n<p><strong>Curiara: to hold from afar.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Enviar dinero a casa nunca es solo mover cifras en una pantalla. Para nosotros, los valientes que sostenemos desde lejos a nuestras familias, cada transferencia internacional es un acto de amor.&nbsp; Es mandar un abrazo que cruza fronteras, es convertir horas de trabajo en medicinas, comida y oportunidades. Y por eso mismo, entender comisiones y [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":2344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-remesas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transferencia internacional: tiempos y comisiones | Curiara<\/title>\n<meta name=\"description\" content=\"Descubre comisiones, tiempos y consejos para una transferencia internacional segura y r\u00e1pida. 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