What currencies can I pay in for a fractional share?

The short answer: Payment is typically in the property-country currency — EUR for European fractional, USD for US, USD or MXN for Mexican. Cross-border buyers convert from their home currency to the property currency via international wire transfer. Many companies in COP's partner network accept GBP, CHF, or USD as alternatives to EUR for European shares, simplifying things for UK, Swiss, and US buyers. Verify the specific options with your company early in the process.

Standard currency by destination

How cross-border payment works

Three-step process for buyers paying from a different currency. First, buyer's home-currency funds wire to a currency-conversion stage — either the buyer's own bank, a specialist FX provider, or the company's accepting-bank's FX desk. Second, conversion to the target currency at the prevailing rate (plus a margin). Three, transfer to the company's escrow account or designated notary in the property's country.

FX cost considerations

Three sources of FX margin to optimise. First, your home bank's FX margin — typically 1.5-3% above interbank for major-bank international transfers on six-figure amounts. Second, specialist FX providers (Wise, Revolut Business, OFX, Currencies Direct) — typically 0.3-0.8% above interbank, substantially cheaper for large transfers. Three, forward contracts — lock the FX rate for a future payment date; useful when there's a 4-8 week gap between commitment and payment to remove FX volatility.

On a €400,000 purchase, the difference between 2% bank FX margin and 0.5% specialist FX margin is €6,000 — worth shopping around.

Why some companies accept multiple currencies

Companies serving international buyer pools (most COP partners) accept multiple currencies because their buyer base is multi-national. A UK company selling Mallorca fractional accepts GBP because most of their buyers are UK-based. A Swiss-operator selling European inventory may accept CHF for the same reason. The company typically converts to property-country currency internally — but the buyer experience is simplified by paying in their home currency.

What buyers should ask about payment

Three questions during the buyer-introduction process. What currencies does the company accept for payment? Does the company's accepting bank have FX desks for major currency pairs (GBP/EUR, USD/EUR, etc.)? Is there a preferred timing window or FX-rate-fixing arrangement?

The annual-fee currency picture

Annual fees are typically billed in the property-country currency. Cross-border owners pay in their home currency through annual wire-conversion. Some companies offer multi-year fee-prepayment arrangements that lock in FX rates for several years — useful for owners wanting to remove ongoing FX volatility from the annual-cost picture.

Where to find companies with multi-currency support

Co-Ownership Property's selection includes companies in the partner network with multi-currency payment support across major international buyer currencies.

Further reading

• Wire transfer process
• How do I buy a fractional share?
• Does COP work with non-resident buyers?

Related questions

• How does the wire transfer process work for a fractional purchase?
• How do I actually buy a fractional ownership share?
• Does COP work with non-resident international buyers?