Best companies for AUD/EUR transfers
9 of 9 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/EUR transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $6.99 1 AUD = 0.6327 EUR -0.01% vs mid-market	Recipient gets €1,260.90 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $6.991 AUD = 0.6327 EUR €1,260.90You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 0.6301 EUR +0.39% vs mid-market	Recipient gets €1,260.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6301 EUR €1,260.30You pay$2,000.00
Run a live search Showing top Australia to Germany deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much AUD you're planning to spend in Germany.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 0.6318 EUR +0.12% vs mid-market	Recipient gets €1,263.60 Within a week
15 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Germany with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 0.6318 EUR €1,263.60You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 0.6318 EUR +0.12% vs mid-market	Recipient gets €1,261.77 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Germany with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 0.6318 EUR €1,261.77You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 0.6308 EUR +0.28% vs mid-market	Recipient gets €1,261.58 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Germany with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.6308 EUR €1,261.58You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6308 EUR +0.28% vs mid-market	Recipient gets €1,261.58 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Germany with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.6308 EUR €1,261.58You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 0.6305 EUR +0.33% vs mid-market	Recipient gets €1,261.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Germany with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 0.6305 EUR €1,261.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 0.6305 EUR +0.33% vs mid-market	Recipient gets €1,261.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Germany with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 0.6305 EUR €1,261.00You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $6.99 1 AUD = 0.6327 EUR -0.01% vs mid-market	Recipient gets €1,260.90 Within minutes
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $6.991 AUD = 0.6327 EUR €1,260.90You pay$2,000.00

Wise Pay via Osko	Fees: $6.99 1 AUD = 0.6327 EUR -0.01% vs mid-market	Recipient gets €1,260.90 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $6.991 AUD = 0.6327 EUR €1,260.90You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 0.6301 EUR +0.39% vs mid-market	Recipient gets €1,260.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6301 EUR €1,260.30You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6301 EUR +0.39% vs mid-market	Recipient gets €1,260.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6301 EUR €1,260.30You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 0.6301 EUR +0.39% vs mid-market	Recipient gets €1,260.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6301 EUR €1,260.30You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 0.6300 EUR +0.41% vs mid-market	Recipient gets €1,260.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Germany with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 0.6300 EUR €1,260.00You pay$2,000.00
Wise Pay via Debit Card	Fees: $12.54 1 AUD = 0.6327 EUR -0.01% vs mid-market	Recipient gets €1,257.38 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $12.541 AUD = 0.6327 EUR €1,257.38You pay$2,000.00
Wise Pay via Credit Card	Fees: $26.07 1 AUD = 0.6327 EUR -0.01% vs mid-market	Recipient gets €1,248.82 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $26.071 AUD = 0.6327 EUR €1,248.82You pay$2,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6212 EUR +1.80% vs mid-market	Recipient gets €1,242.37 Next Day
0 reviews
Ways to receive money in Germany with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.6212 EUR €1,242.37You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 0.6184 EUR +2.27% vs mid-market	Recipient gets €1,236.80 6-12 Hours
2 reviews
Ways to receive money in Germany with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6184 EUR €1,236.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6179 EUR €1,235.80You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 0.6184 EUR +2.27% vs mid-market	Recipient gets €1,236.80 6-12 Hours
2 reviews
Ways to receive money in Germany with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6184 EUR €1,236.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6179 EUR €1,235.80You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 0.6184 EUR +2.27% vs mid-market	Recipient gets €1,236.80 6-12 Hours
2 reviews
Ways to receive money in Germany with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6184 EUR €1,236.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6179 EUR €1,235.80You pay$2,003.99
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6166 EUR +2.56% vs mid-market	Recipient gets €1,233.14 3-5 Days
0 reviews
Ways to receive money in Germany with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 0.6166 EUR €1,233.14You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 0.6326 EUR Updates every 60 minutes.

Why compare

AUD/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Germany

Pick a company

Start with the cheapest, which is Remitly at 1,263.6 EUR on A$2,000.

Remitly was the cheapest on 7 of the 28 days it quoted A$2,000 transfers to Germany.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 6 ways to pay, including debit card, bank transfer, credit card, payto, osko, and poli.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Germany?

How much AUD you send to Germany heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Remitly was the cheapest in 45% of the transfers up to A$2,000 it quoted, and in 35% of all the transfers it quoted.


$850	-0.21%	$0.00	€538.82with debit card to bank deposit	+€8.01
$1,000	-0.22%	$0.00	€633.90with debit card to bank deposit	+€10.25
$1,500	0.01%	$0.00	€948.75with bank transfer to bank deposit	+€11.13
$2,000This page	0.12%	$0.00	€1,263.60with payto to bank deposit	+€9.63
$3,000	0.07%	$0.00	€1,895.60with debit card to bank deposit	+€15.02
$5,000	0.25%	$0.00	€3,153.95with debit card to bank deposit	+€22.10
$7,500	0.13%	$0.00	€4,737.90with debit card to bank deposit	+€31.16
$10,000	0.13%	$0.00	€6,316.00with debit card to bank deposit	+€41.34
$12,000	0.25%	$0.00	€7,570.95with bank transfer to bank deposit	+€43.22
$15,000	0.25%	$0.00	€9,462.31with bank transfer to bank deposit	+€53.24
$50,000	0.12%	$0.00	€31,587.50with bank transfer to bank deposit	+€187.18
$100,000	0.20%	$0.00	€63,127.59with bank transfer to bank deposit	+€360.41
$250,000	0.15%	$0.00	€157,886.81with bank transfer to bank deposit	+€927.88
$500,000	0.15%	$0.00	€315,675.28with bank transfer to bank deposit	+€503.80

Mid-market rate: 1 AUD = 0.6326 EUR

AUD/EUR Exchange Rate History

Is today a good time to send money from Australia to Germany?

The cheapest way to send AUD to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 2,000 AUD transfers to Germany.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 17 of the last 30 days.

Right now, Remitly pays 1,263.6 EUR on 2,000 AUD, which is 1.54 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

Ways to send money from Australia to Germany

9 money transfer companies let you send money from Australia to Germany.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Germany.

For example, sending A$2,000 with Remitly will get you 1,263.6 EUR after a A$0 fee and 0.12% markup.

In our comparisons over the past month, it was the cheapest online service on 7 of the 28 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Remitly takes A$0 in fees and 0.12% markup on a A$2,000 transfer, and your EUR arrives in within a week.

Over the past month, Remitly was the cheapest app on 25% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.39% on AUD/EUR, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 28% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in EUR, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and EUR in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.12% markup, and the EUR sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 73% of days.

Most useful if you travel often to Germany, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.56% markup and delivers 1,233.14 EUR, against 1,263.6 EUR via Remitly (the cheapest option).

We found NAB was the cheapest bank on 28 of the 28 days it appeared for this amount.

Ways to fund AUD and receive money in Germany

With Remitly, paying by payto and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 1,263.6 EUR.

Our data shows that Remitly gets your recipient 30.46 EUR more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with debit card, bank transfer, credit card, payto, osko, and poli.

Recipients in Germany can collect EUR through bank deposit and cash pickup.

They can collect cash via Remitly

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Germany.

1

Payto Bank deposit

You pay A$2,000.00

€1,264

Cheapest
2

Bank transfer Bank deposit

You pay A$2,000.00

€1,262

-€2
3

Debit card Bank deposit

You pay A$2,000.00

€1,262

-€2
4

Credit card Bank deposit

You pay A$2,000.00

€1,261

-€3
5

Osko Bank deposit

You pay A$2,000.00

€1,261

-€3

Show moreShow less

6

Poli Bank deposit

You pay A$2,002.99

€1,237

-€27
7

Debit card Cash pickup

You pay A$2,003.99

€1,236

-€28
8

Credit card Cash pickup

You pay A$2,003.99

€1,236

-€28
9

Poli Cash pickup

You pay A$2,003.99

€1,236

-€28

Consider this before sending AUD to Germany

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/EUR transfer options

For a A$2,000 transfer to Germany, these are the best options right now:

Cheapest

Remitly is cheapest when funded by payto with bank deposit for the payout. Your recipient gets 1,263.6 EUR, which is 0.14% more than the next best option.

Fastest

Revolut delivers 1,261.77 EUR in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Germany.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Germany.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 9 companies sending AUD to Germany, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 392 comparisons across 14 amounts.

This page covers the cheapest and fastest options for AUD/EUR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.6147	–	€1,229.34
Western Union Cheapest	0.6170	$0.00	€1,233.98	+€4.64
Remitly	0.6139	$0.00	€1,227.80	−€1.54
Revolut	0.6138	$3.00	€1,225.77	−€3.57
NAB	0.5963	$0.00	€1,192.63	−€36.71

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.6145	–	€1,229.03
Western Union Cheapest	0.6160	$0.00	€1,232.07	+€3.04
Remitly	0.6131	$0.00	€1,226.20	−€2.83
Revolut	0.6136	$3.00	€1,225.37	−€3.66
NAB	0.5991	$0.00	€1,198.23	−€30.80

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.6141	–	€1,228.29
Instarem Cheapest	0.6140	$0.00	€1,228.00	−€0.29
Remitly	0.6125	$0.00	€1,225.00	−€3.29
Revolut	0.6133	$3.00	€1,224.84	−€3.45
Western Union	0.6114	$0.00	€1,222.78	−€5.51
NAB	0.5985	$0.00	€1,197.04	−€31.25

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.6163	–	€1,232.64
Instarem Cheapest	0.6162	$0.00	€1,232.40	−€0.24
Remitly	0.6147	$0.00	€1,229.40	−€3.24
Revolut	0.6155	$3.00	€1,229.19	−€3.45
Western Union	0.6144	$0.00	€1,228.86	−€3.78
NAB	0.5985	$0.00	€1,197.04	−€35.60

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.6154	–	€1,230.80
Instarem Cheapest	0.6172	$0.00	€1,234.40	+€3.60
Western Union	0.6164	$0.00	€1,232.81	+€2.01
Remitly	0.6163	$0.00	€1,232.60	+€1.80
Revolut	0.6166	$23.00	€1,219.01	−€11.79
NAB	0.6007	$0.00	€1,201.32	−€29.48

How to send money to Germany from Australia with the best AUD-EUR rate

Best companies for AUD/EUR transfers