Source: https://rivet.global/blog/netherlands-international-transfer-fees-for-business
Published: 2026-08-15 · Updated: 2026-08-15 · By Alexia M.

# International transfers from the Netherlands for business

What Dutch companies pay to send money abroad: SEPA and SEPA Instant, verification of payee, SWIFT fees and FX margins outside the euro area, and cheaper local payouts.

## Key takeaways

- Euro transfers in SEPA cost the same as domestic transfers, and SEPA Instant must be offered at the same price as regular transfers.
- Since October 2025, verification of payee checks the name against the IBAN before a euro transfer is sent.
- Outside SEPA, SWIFT transfers carry a fee, an FX margin and sometimes intermediary charges.
- Paying in the recipient's currency on their local rail is usually cheaper than SWIFT.

Google's suggestions include "how to send money from netherlands to usa" and "netherlands wire transfer" after "Netherlands international transfer". The cost depends on the SEPA line.

## Two zones

| Payment | Rail | Cost | Speed |
|---|---|---|---|
| EUR to an EU or EEA country | SEPA or SEPA Instant | Same as domestic | Seconds to 1 day |
| USD, GBP or another currency | SWIFT | Fee, FX margin, possible intermediary fee | 1 to 3 days |

## Verification of payee

Since 9 October 2025, euro-area banks check that the name you enter matches the IBAN. A mismatch warning is often the first sign of invoice fraud, so take it seriously.

## A month for an Eindhoven hardware startup

- Pays a German supplier €30,000 by SEPA Instant: no extra cost.
- Pays a US component distributor $20,000 by SWIFT: fee, margin, possible intermediary charge.
- Pays a UK contractor £5,000: conversion plus transfer fee.

## Ways to cut it

1. Hold currencies you pay often.
2. Pay on the recipient's local rail where your provider supports it.
3. Use OUR for invoice payments.

## Paying into the Netherlands: the local rail

| What | Detail |
|---|---|
| Local rail | SEPA Instant Credit Transfer |
| Run by | European Payments Council scheme, run by each bank; Dutch banks send nearly all domestic transfers instantly |
| Settlement | Under ten seconds, 24/7 |
| Published fee | By the EU Instant Payments Regulation, no more than the bank charges for a standard SEPA transfer |

Source: [European Payments Council: SEPA Instant Credit Transfer](https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Rivet gives Dutch companies EUR details for SEPA on Growth, plus USD and GBP details, and pays out to 120+ countries on local rails where available, with fee and FX shown first. Rivet is not a bank; regulated partner institutions hold the funds. See [instant payments compared](/blog/instant-payments-compared).

## Questions

### How much does an international transfer from the Netherlands cost?

SEPA euro transfers cost the same as domestic ones. SWIFT transfers carry the bank's fee, the FX margin and sometimes intermediary fees.

### How do I send money from the Netherlands to the USA?

By SWIFT in dollars from your bank, or by a provider that pays out in dollars by ACH in the US.

### What is verification of payee?

A name check against the IBAN before a euro transfer, required in the euro area since 9 October 2025.

### OUR or SHA?

OUR means you pay all fees and the recipient gets the full amount. Use it for invoices.