I second the recommendation for Wise.  You can put money in your account
in multiple currencies, and convert between them when you want
(e.g. when the rate is favorable), and the fees are quite low.  They
have even started paying interest on the balance, in some currencies at
least.  They associate with a particular bank for each currency, so for
example you can to an IBAN transfer if you have a balance in Euros.

That said, of course this does not solve the original problem of this
thread.

-- 
David Zelinsky



David Pirotte <[email protected]> writes:

> Hello,
>
>> Paypal works reasonably for that.  The problem with bank accounts
>> outside the EUR zone is actually not as much conversion fees rather
>> than utterly preposterous transfer fees.
>
> Fwiw, I use Wise, by far the cheapest way to transfer, in my (real)
> experience, 10x to 20x cheaper then 'normal' bank transfer:
>
>       https://wise.com/
>       https://wise.com/br/receive-money/
>
> Cheers,
> David

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