Planning a major transfer to Italy? Here’s how to do it right

Italy remains one of the top destinations for international property investments, business transactions, and high-value acquisitions. Whether you are buying real estate, investing in an Italian company, or paying for luxury assets, sending large payments to Italy requires careful planning, compliance with legal frameworks, and the use of trusted channels. In 2025, the combination of stricter financial regulations and innovative payment technologies makes it possible to execute such transactions with both speed and security — provided you choose the right approach.

Below are seven proven, compliant, and secure methods to send substantial funds to Italy while minimizing risks, avoiding unnecessary delays, and ensuring that your transaction is recognized by Italian authorities.

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1. Optimized SWIFT transfers through regulated banks

SWIFT remains one of the most widely accepted systems for sending large sums across borders. However, not all SWIFT transfers are equal — optimized routing through trusted correspondent banks can significantly improve speed and reliability. For Italy-bound transactions, it is crucial to use financial institutions that are familiar with both EU payment standards and Italy’s currency control rules. This method is especially effective for one-off property purchases or settling corporate invoices where complete documentation is available in advance.

2. Multi-currency accounts to manage exchange rates

Maintaining a multi-currency account allows you to hold and send funds in EUR without unnecessary conversions, reducing currency fluctuation risks. This can be particularly advantageous for businesses working with Italian suppliers or investors making staged property payments. With VelesClub Int. and UNIBROKER, clients gain access to multi-currency settlement options and a network of partner banks across Europe, ensuring compliance and cost efficiency.

3. SEPA transfers for intra-European transactions

For clients based in the EU or EEA, Single Euro Payments Area (SEPA) transfers offer an efficient way to send large sums to Italy. While SEPA is often associated with smaller, everyday payments, it can also accommodate high-value transfers when processed through regulated channels. This method is particularly suitable for corporate settlements or cross-border investments within the European economic zone, where both the sender and recipient accounts are SEPA-enabled.

4. Escrow arrangements for property and high-value assets

Escrow accounts provide an additional layer of trust in transactions involving large sums. Funds are held securely by a neutral third party until all agreed contractual conditions are met. In Italy, escrow is frequently used for real estate purchases, yacht sales, and other luxury asset acquisitions. This structure ensures both buyer and seller are protected and that the payment is only released once legal and contractual requirements are fulfilled.

5. Alternative payment networks beyond SWIFT

In situations where SWIFT is slow or restricted, alternative cross-border payment networks can maintain transaction flow without compromising compliance. Licensed settlement partners can provide routes that are both efficient and legally recognized in Italy. These systems are often preferred by businesses with ongoing trade relationships or investors working with multiple jurisdictions, as they offer flexibility and reduced dependence on traditional banking pathways.

6. Structured instalments for regulatory alignment

In some cases, splitting a large payment into structured instalments can simplify compliance and reduce the risk of delays. This approach is particularly useful for project-based investments, phased property acquisitions, or ongoing service contracts. Each instalment can be accompanied by relevant documentation, ensuring that all transfers meet Italian banking standards and anti-money laundering (AML) requirements.

7. Crypto-to-fiat conversion under licensed frameworks

For investors holding digital assets, converting cryptocurrency into euros through licensed operators can provide a compliant way to send funds to Italy. This method should always be handled by partners experienced in both blockchain and traditional finance, ensuring AML and Know Your Customer (KYC) obligations are met. Once converted, the funds can be sent via conventional banking channels or credited directly to an Italian account.

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Key compliance steps before sending large payments

• Documentation readiness: Prepare contracts, invoices, and proof of funds before initiating any transfer.
• Tax and reporting obligations: Understand both your home country’s and Italy’s reporting rules for large transactions.
• Currency planning: Decide whether to send funds in EUR or another currency to optimize conversion costs.
• Licensed partners: Work only with regulated financial operators to ensure compliance with Italian and EU banking laws.

Risks of non-compliant transfers

Attempting to bypass formal banking procedures or underreporting payment purposes can lead to frozen funds, regulatory penalties, and reputational damage. In Italy, financial monitoring is particularly strict for real estate and corporate transactions. By working with experienced partners, you can ensure your payment process is not only legal but also efficient and stress-free.

Why choose VelesClub Int. and UNIBROKER for your payments?

VelesClub Int., together with our trusted partner UNIBROKER, offers a fully managed solution for sending large, compliant payments to Italy. Our services include:

• Regulatory compliance under both EU and Italian financial laws
• Optimized routing to minimize delays and costs
• Access to multi-currency accounts and settlement networks
• Escrow and alternative payment options for high-value transactions
• Full documentation support to meet currency control and AML requirements

With combined expertise in global transactions and local compliance, we ensure your funds reach their destination securely, efficiently, and with complete legal protection. Whether for business expansion, property acquisition, or strategic investments, VelesClub Int. and UNIBROKER provide the trusted framework you need.