Changing EUR to USD in Estonia: the cheapest way, and what the rest cost you
The spread takes 0 EUR at Luminor Bank.
Measured against 0.8807 EUR per USD, the reference these banks price from.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
Luminor Bank | 0 EUR | read from luminor.ee |
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
N26 | 0 EUR | 0% disclosed fee, checked 2026-07-01 |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 6 banks, cheapest first. The dearest takes 3.4% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Luminor Bank own board | 0.9078 | 0.8549 | 0 EUR |
| Read from the board this bank publishes at luminor.ee. | |||
| Citadele (Estonian branch) own board | 0.9001 | 0.8613 | 0 EUR |
| Read from the board this bank publishes at www.citadele.ee. | |||
| SEB Pank own board | 0.8986 | 0.8634 | 0 EUR |
| Read from the board this bank publishes at www.seb.ee. | |||
| Swedbank own board | 0.8963 | 0.8654 | 0 EUR |
| Read from the board this bank publishes at www.swedbank.ee. | |||
| bunq derived | 0.8763 | 0.8851 | 2.49 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.5% margin, which is the basis this bank discloses against. | |||
| Coop Pank own board | 0.8828 | — | — |
| Read from the board this bank publishes at www.cooppank.ee. | |||
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Rates are EUR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 0.8807, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-10-01.