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Compare the best ways to send money to Germany

Get the best deals when you transfer money to Germany. Find the cheapest, fastest, and most reliable providers with the best EUR exchange rates.

Read on for the best EUR deals, expert information, and all you need to transfer money to Germany.

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Best money transfer companies

Send money to Germany

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"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
Sponsored

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.2% - 0.7%
Fees
None

"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."

Transfer Speed
Minutes - 5 days
Exchange Rate Markup
0.1% - 0.6%
Fees
0.3% - 1%

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.4% - 1.5%
Fees
None

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 0.6%
Fees
None

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.15% - 1.5%
Fees
None

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 1.3%
Fees
None

"Lumon has cared for over 69,000 customers since 2000. Get support for larger transfers from dedicated currency specialists."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
1% - 2%
Fees
None

"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 3%
Fees
None

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 2%
Fees
£/€/$3 - 5

"Fast, secure internatinal transfers with no fees and transparent rates. They offer a free currency card for use at home and abroad."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.9% - 2%
Fees
None

"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 3%
Fees
None

"Moneycorp is an established player in the market, with a focus on private clients and corporates. Make overseas payments in over 120 currencies and 190 countries."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.5% - 2%
Fees
None

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 4%
Fees
1% - 3%

The best way to send money to Germany: Wise

After reviewing and testing 22 money transfer providers supporting EUR transfers, we found Wise to be the top choice for money transfers to Germany as of April 2025.

Wise appeared in 97.9% of EUR transfer searches and ranked as the best option among providers supporting Euro transfers.

With quick transfers, a low markup of -0.04% on EUR exchange rates, and a low fee of $59.34, Wise offers the ideal balance of cost, speed, and features for EUR transfers.

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How to get the best rate when sending money to Germany

About money transfers to Germany

Top rated for transfers from United States to Germany
Wise
Total number of US - DE providers
22
Average cheapest fees & rate
Revolut
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Revolut
Best for debit card
Xe

Consider this before sending money to Germany

1
Compare EUR transfer options

Whether you're helping out family in Berlin, paying rent for a student in Munich, or wiring funds to a business contact in Frankfurt, how you send money to Germany matters.

Different transfer services charge different fees, offer different EUR exchange rates, and vary in how fast they deliver.

Even small differences can lead to your recipient getting more (or less) euros.

We analyzed 22 top providers that support transfers to Germany.

Here’s what the data shows:

  • Revolut was the cheapest in 59.6% of user searches

  • Wise ranked as the fastest in 132 EUR searches on MoneyTransfers.com

  • Wise offered the most favorable EUR exchange rates over the last six months

2
Get the best EUR rates
3
Understand the payment methods
4
Receiving money in Germany
5
Speed vs cost - what’s your priority?
6
How much are you sending to Germany?
7
How are you sending money to Germany?
8
Documents your recipient may need
9
Think about the taxes

Revolut: The cheapest way to send money to Germany

Revolut consistently offers the cheapest money transfers to Germany.

There are 22 providers servicing Germany, and Revolut appeared as the cheapest option 325 times in our comparisons.

Revolut charges $0 per transfer to Germany, with a 0.2% markup on the EUR exchange rate. This is 0.4% cheaper than the second cheapest option.

To get the most out of your transfer to Germany, use a Bank transfer deposit to maximize the amount of EUR received.

Screenshot
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Screenshot

Wise: The fastest way to send money to Germany

Wise appeared in 39.8% of our comparisons as the fastest transfer service to Germany.

They charge $11.18 in fees and apply a -0.03% markup on the EUR exchange rate, which is 0% better than the second-best option.

For the best combination of cost and speed, we suggest using Bank transfer to fund your EUR transfer.

Screenshot

The easiest way to send money to Germany: Wise

Wise is an excellent choice for balancing cost, speed, and convenience.

In our 6-month analysis, Wise ranked as the top-rated money transfer provider in 97.9% of the searches related to Germany.

They’re highly transparent with fees, charging $59.34 per transfer with a -0.04% markup on the EUR mid-market rate.

With multiple deposit and withdrawal options and reliable customer service, getting started with Wise takes less than 10 minutes, making it a fast, cheap, and user-friendly option.

Screenshot

Sending large amounts of money to Germany

Sending large amounts to Germany can be expensive. You should consider the exchange rate, transfer limits, customer service, safety, company experience with large transfers, and any legal requirements in Germany.

In this case, Wise ticks all the boxes. Out of 22 money transfer companies serving Germany, Wise came on top as the highest-rated company for EUR transfers.

Whether you are buying a property in Germany, funding your education, having a destination wedding, or just need to send a lot of EUR, we recommend opting for a specialized provider such as Wise.

Understand the costs of money transfers to Germany

The cost of sending EUR depends on where you're sending from, the amount of EUR sent, deposit and delivery methods, transfer fees, and the markup applied to the EUR mid-market rate.

For example, if you're transferring $2,000 from the US to Germany, you can expect the following:

Transfer fees to Germany

Depending on the service you use to send Euros, transfer fees can be percentage-based, fixed, or a combination of both.

Xoom charges only $0 per transfer based on our analysis of 22 services supporting EUR transfers in April 2025.

Markup on EUR exchange rate

A markup is a percentage added to the EUR mid-market rate by a money transfer service (or a bank).

Wise offers the best EUR exchange rates by applying a -0.03% markup on the USD-EUR rate. This means for every US Dollar sent, you receive 0.8943 EUR minus -0.03% deducted from it.

Funding transfer to Germany

How you fund your transfer to Germany can impact the cost:

  • Bank transfers typically have the lowest fees, often costing up to $0 per transfer.

  • Debit cards may cost up to $2,525.83 per transfer.

  • Credit cards may come with cash advance fees, and increased rates, and can cost as much as $0 per transfer to Germany.

Overall, Bank transfer is the cheapest funding method for EUR transfers.

Live EUR Mid-Market Rate

Getting the best EUR rate when sending money to Euro

The exchange rate is the value of the Euro (EUR) compared to other currencies. Since it consistently moves up and down, sending at the high will give your receiver more EUR compared to the low.

Mid-market Rate
1 
=
0.879910 
EUR

In the past 6-months, the EUR exchange rate reached:

  • An average rate of 0.9419 Euro per US Dollar

  • A high of 0.981 EUR per USD

  • And a low of 0.902 EUR per US Dollar

The EUR/USD exchange rate has seen some movements. Making a transfer when the rate is close to 0.981 EUR/USD will result in more EUR received.

Wise is our top recommendation for sending Euro, offering a markup of -0.04% which is 0% better than the next cheapest option.

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Top payment methods to use for transfers to Germany

Money transfer companies will offer different ways to fund your transfer to Germany. Depending on the service used, deposit options can affect the speed, the cost of your transfer, and the amount of EUR received.

  • Bank transfers

    Bank transfers are a standard deposit method used for sending money to Germany. Almost all services covering Germany offer it.

    Bank transfers to Germany are usually cheaper than other deposit methods but can take up to 3 business days for EUR to reach Germany.

    Out of 22 providers we’ve tested, we found Revolut to be the cheapest for bank deposits, with just $0 per transfer and a 0.2% markup. This is 0.4% cheaper than the second-best option.

    When possible, avoid using wire transfers over the SWIFT network for EUR transfers. It is slower and more expensive due to intermediaries involved, instead, look for an ACH deposit option.

  • Debit and prepaid cards

    Debit card transfers to DE are usually faster than bank transfers.

    Most EUR transfers can take up to a few hours but it can be slightly more expensive.

    We recommend using Wise if you want to use a debit card or prepaid card to fund your money transfer to Germany.

    With Wise, you can expect to pay $14.38 in fees and -0.06% markup when depositing money with a debit card. This is 0% cheaper than using the next best provider out of the 22 companies supporting EUR transfers we’ve tested.

  • Credit cards

    You can also use a credit card to fund your transfer to Germany.

    We found to be the cheapest for credit card transfers out of 22 companies compared in the past six months.

    Credit card deposits are usually more expensive when sending money to Germany. For instance, will charge you $0 per transfer to Germany and will add % on top of the ‘real’ EUR rate.

    Cash advance alert

    Your credit card company may charge you a cash advance fee and offer higher interest rates for international transactions to DE. We recommend avoiding credit cards, and instead opt for a bank or debit card transfer.

Need to deposit money to a bank in Germany?

Instead of using direct wire transfers (which are expensive and slow), you can use a money transfer service such as Wise to deposit money directly to major banks in Germany.

Some popular supported banks include Deutsche Bank AG, DZ Bank AG, KfW Group, HypoVereinsbank, and many more.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available in Germany.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money to Germany.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to Germany

For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

Keep your money safe

Making sure your funds are safe when transferring to Germany is really important. Ensure you send money to the recipients in Germany you know and trust.

Always choose providers that are regulated by financial authorities.

If you don’t know what the key regulatory bodies are in Germany, please refer to our directory of financial regulators worldwide.

FAQs

Find answers to the most common questions on our dedicated FAQ page.

Are there any limits when sending EUR?
Are there any tax implications on EUR transfers?
What are the fees and exchange rates?
How long does it take to transfer money to Germany?
Can I schedule regular payments to Germany?
What currency is used in Germany?
Can I send EUR from any country?
What should I do if something goes wrong with my transfer to Germany?
Can I just wire money to Germany with my bank?
Can I use MoneyTransfers.com to transfer money?

Contributors

Artiom Pucinskij
Artiom Pucinskij is a seasoned financial content strategist who holds an impressive background in marketing from the University of Portsmouth. With years of dedicated experience in the personal finance and remittance sectors, Artiom has become an integral part of MoneyTransfers.com's growth.
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