If you're paying from another currency

Getting your money into Spain without losing it to fees.

If your funds start in GBP, USD or another currency, the exchange rate and transfer fees you pay before the money even reaches Spain can matter as much as your mortgage terms. This is not something Dream Nest arranges directly. It is something we point clients toward, from a specialist we've seen work well.

Why this is worth a separate conversation.

A Spanish bank will often charge a processing fee and a markup on the exchange rate for a large transfer, especially around a property purchase. A specialist currency broker works differently — dedicated account management, tools to fix or track a rate, and typically no transfer fees. We work alongside Currencies Direct for converting and transferring larger sums into Spain.

Currencies Direct For converting and transferring the funds themselves into Spain, once they're ready to move. Established in 1996, authorised and regulated by the Bank of Spain (registration number 6716) and by the FCA in the UK. No transfer fees, and tools like forward contracts, limit orders and rate alerts to help you manage timing around a purchase. Visit Currencies Direct ↗

We point clients to Currencies Direct for this. Dream Nest does not arrange currency transfers directly.

Talk to us about your case ↗

Planning a move to Spain, map and coffee on a Mediterranean balcony

Where your money is actually going

Planning a move to Spain means the exchange rate matters just as much as the mortgage rate.

Start with your mortgage case

Let's cover the mortgage side first.

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