Profee Review
Card-to-card transfers across Europe
Profee is a European fintech specialising in card-to-card transfers. Unlike most providers that require a bank account, Profee sends directly to a recipient's Visa or Mastercard debit card. It is FCA authorised and particularly useful for Eastern European corridors.
Key facts
- Typical fee: £1.50 – £3.99 flat
- Exchange margin: ~1%–2% above mid-market
- Delivery time: Minutes – 1 business day
- Best for: Card-to-card transfers in Europe
- Min transfer: £10
- Max transfer: £5,000 per transaction
Pros
- Card-to-card — no recipient bank account needed
- Flat fee model is transparent
- Fast delivery within Europe
- FCA authorised
Cons
- Lower transfer limits
- Limited to card delivery — no cash pickup
- Small coverage outside Europe
FAQs
What is card-to-card transfer with Profee?
Profee sends money directly to the recipient's Visa or Mastercard debit card — no bank account number required. Funds appear within minutes in most cases. This makes it ideal for recipients who don't have a traditional bank account or who need funds instantly accessible on an existing card.
Is Profee regulated?
Yes. Profee is authorised by the FCA in the UK and by the Bank of Lithuania under the EU Electronic Money Institution framework, which covers all 27 EU member states. Your funds are held in segregated accounts.
Is Profee cheaper than Wise?
For small amounts (under £200), Profee's flat fee (£1.50–£3.99) can be cheaper. For larger amounts, Wise is typically cheaper because its ~0.5% rate margin beats Profee's 1–2% margin once the fixed fee is no longer the dominant cost. Always compare the recipient amount directly for your specific transfer.
Which countries does Profee support?
Profee focuses on European corridors: Poland, Ukraine, Moldova, Georgia, Turkey, Azerbaijan, and several other Eastern European countries. It is particularly strong for UK and Germany senders to Poland and Ukraine. Coverage outside Europe is limited.
What is the maximum I can send with Profee?
Profee's standard limit is £5,000 per transaction. Higher limits may be available for verified accounts. If you need to send more than £5,000 in a single transfer, consider Wise or OFX which support significantly higher amounts.
Does Profee require the recipient's bank account details?
For card-to-card transfers, no — just the recipient's Visa or Mastercard card number. For bank account delivery on supported corridors, you will need the standard account details (IBAN or equivalent). Card delivery is Profee's core feature and what sets it apart from most competitors.