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Table of Contents
Wise is my pick for straightforward overseas bank transfers, because its separate fee makes the conversion cost easy to understand.
Remitly and Taptap Send are more useful when your recipient needs cash or a mobile wallet, while Regency FX suits larger payments with personal support.
For euro payments to another SEPA account, your existing German bank may already provide everything you need.
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At a glance
Wise: clear pricing for overseas bank transfers
Remitly: a choice of local receiving methods
Taptap Send: mobile-wallet transfers to supported destinations
Revolut: payments between existing Revolut users
TransferGo: sending to eligible debit or credit cards
Western Union: cash funding and cash collection
Regency FX: large transfers with an account manager
Best companies for sending money abroad from Germany
These services cover different needs, so my suggestion is to choose by how you pay and how the recipient receives their money.
Clear-cost bank transfers
9.2
Wise
Fees
0.1% - 2.6%
Exchange Rate Markup
0%
Transfer Speed
Minutes - 24 hours
"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
Choice of local receiving methods
8.2
Remitly
Fees
None
Exchange Rate Markup
0.1% - 1.3%
Transfer Speed
Minutes - 3 days
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
Mobile-wallet transfers
8.5
TapTap Send
Fees
Exchange Rate Markup
Transfer Speed
Minutes
"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."
Existing Revolut users
8.8
Revolut
Fees
0.3% - 1%
Exchange Rate Markup
0.1% - 0.6%
Transfer Speed
Minutes - 5 days
"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."
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.
Eligible card-number payouts
8.4
TransferGo
Fees
None
Exchange Rate Markup
0.3% - 1.1%
Transfer Speed
Minutes - 24 hours
"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."
Cash funding and collection
8.1
Western Union
Fees
None
Exchange Rate Markup
0.2% - 1.5%
Transfer Speed
1 - 5 days
Large transfers with personal support
8.5
Regency FX
Fees
None
Exchange Rate Markup
0.2% - 1.5%
Transfer Speed
Minutes - 24 hours
"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."
Branch-funded payments to Turkey
?
İşbank AG
Fees
Exchange Rate Markup
Transfer Speed
Wise
Wise makes the cost of a bank transfer clear
Wise uses the mid-market exchange rate and charges a separate fee, so you can distinguish conversion costs from movement in the currency market.
I like that structure for regular payments to an overseas bank account, particularly when you want a clear price without negotiating a quote.
You can fund eligible EUR transfers by bank transfer, a supported card or money already held in Wise.
Germany also supports connected bank payments, although your bank's limits can affect how much you can send that way.
I suggest starting with bank funding, since paying by card can add costs without improving the onward delivery enough to justify them.
Card-funded EUR transfers have a €10,000 funding limit, while other funding methods can support considerably larger amounts.
The destination can have its own restrictions, so that funding limit should never be treated as a promise for every overseas payment.
Wise is less useful when the recipient needs cash collection, because its core transfer service pays into supported accounts.
For that situation, I suggest choosing a service with the required local collection network rather than asking the recipient to open another account.
The figures below show how the total received changes across currencies and amounts, with the fee displayed alongside the exchange rate.
Remitly offers more ways for your recipient to collect
Remitly suits transfers where a bank account alone does not solve the recipient's problem, with cash collection and mobile-wallet options in supported destinations.
I'd say consider it when the recipient already uses a particular local bank, wallet or collection point that Remitly can reach.
Choose that receiving method before judging the price, because a cheaper bank-deposit quote is irrelevant if your recipient needs cash.
From Germany, available payment options include supported cards, digital wallets and bank-payment services such as Klarna, depending on the transfer.
You can choose Express or Economy where both are offered, with the final delivery estimate shown before payment.
For routine support payments, I suggest using the cheaper available option when the recipient can wait, reserving faster funding for an urgent payment.
A first-transfer offer can improve the price, but it does not establish what your second or third transfer will cost.
The €85,000 maximum per transaction is an upper limit, with verification, destination and receiving-method restrictions potentially reducing your available amount.
The comparison below uses the Economy results, so it should not be read as an Express price or delivery promise.
Revolut is convenient when both people already use it
Transfers between Revolut users are instant and free, making it useful when you already keep money there and your recipient does too.
For an external bank payment, the fee and timing depend on the destination, so the same instant experience should not be assumed.
The Standard plan includes €1,000 of monthly exchange allowance, with a 0.5% fair-use fee above that allowance for German-branch customers.
A separate 1% weekend exchange fee can apply, so I suggest converting during market hours when the payment is flexible.
Those exchange charges are separate from any international transfer fee, which means a conversion within your allowance can still produce a paid bank transfer.
Revolut uses its own exchange rate, so I'd say check the final recipient amount rather than assume it matches the mid-market rate.
A paid plan can make sense if you already use its other features, but the subscription belongs in the cost calculation for transfer-only use.
In my opinion, a paid account for one small payment makes sense only when the saving clearly exceeds the subscription and cancellation costs.
For existing users, the account and card make it a useful everyday service that also handles overseas payments.
TransferGo can send to eligible debit or credit cards, alongside supported bank-account payouts, giving it a useful alternative to entering bank details.
I'd say consider that option when your recipient's country and card are supported and receiving through the card is more convenient.
Check the payout eligibility first, because a supported sending country does not mean every card issued abroad can receive money.
You can fund transfers through a bank transfer or supported card, with the available fee and exchange rate shown before confirmation.
The permitted amount depends on the destination and payout method, so a bank-account limit should not be applied to a card payment.
It is worth keeping the payment reference exactly as instructed when funding through your bank, so the deposit can be matched to your order.
I still prefer a normal account payment when the recipient already has suitable bank details and card delivery adds no useful benefit.
TransferGo's value here is the extra receiving option, rather than an assumption that card payouts are always cheaper or faster.
Western Union
Western Union works when you need to pay in cash
Western Union lets you fund a transfer at a participating agent, which is useful when the money is in cash rather than your German bank account.
Your recipient can collect cash in supported destinations, while other transfers offer bank-account or mobile-wallet delivery.
That makes it a practical option at either end of the payment, without requiring cash collection simply because you paid cash yourself.
My suggestion is to check the agent location and opening hours before travelling there, then bring the identification required for the transaction.
Online funding options include supported cards, bank payments and digital wallets, with the exact choices depending on the transfer.
An online price does not establish the cost at an agent, so compare the actual channel you intend to use.
The exchange-rate margin can be more significant than the visible fee, particularly when the quote advertises a free transfer.
For cash collection, give the recipient the tracking number securely and ensure their identification matches the name entered on the transfer.
I like Western Union for the access it provides, although I suggest checking the total received carefully whenever a bank or wallet payment is equally convenient.
The following results are reference quotes, so match the actual receiving method before using them to judge a cash payment.
Regency FX gives you an account manager to arrange the exchange and overseas bank payment, which is useful for property purchases or moving substantial savings.
I like having a person involved when the amount, payment reference or completion deadline leaves little room for a mistake.
You fund the payment by bank transfer, normally from an account in your own name, and the recipient needs an eligible bank account.
It therefore suits money already held in a bank, rather than cash funding or a mobile-wallet payment.
The exchange rate is quoted individually, so request the final recipient amount and any third-party bank charges before agreeing.
For a future payment, fixing a rate can help you budget, although you give up any benefit from a later favourable currency movement.
Ask about the deposit, payment deadline and cancellation terms before committing to a forward arrangement.
Its usual starting amount is £2,000 or equivalent, although smaller payments can be discussed individually.
For a routine small transfer, I suggest a self-service app unless the personal support solves a specific problem.
For a substantial payment, compare the agreed quote with an online price for the same EUR budget and recipient currency.
A local option for transfers to Turkey
İşbank AG
İşbank is useful for branch-funded payments to Turkey
İşbank AG offers transfers through its German branches, your own bank or an existing İşbank account, including a cash-funded option.
Its connection with Türkiye İş Bankası makes it relevant when your recipient uses that bank and you want help arranging the payment locally.
The funding channel changes the fee, with online account transfers costing less than equivalent branch cash payments under the current tariff.
An İŞWEB transfer has a €2,000 limit including fees, so it is important to check the account type before planning a larger payment.
Recipient banks may charge separately, which means the sending fee alone does not establish the amount ultimately available.
For a recipient keeping foreign currency, confirm the receiving account currency before choosing a TRY conversion in an app.
I like this option for its local access and Turkey-specific service, although a branch payment does not necessarily have the lowest overall cost.
Cheapest companies depend on your destination
A good service can still lose on price for your particular currency, so I suggest checking the total received before each payment.
These examples compare available companies for €1,000 transfers from Germany to the listed destinations.
Choose the receiving method before the fastest company
For an urgent payment, I'd say establish first whether the recipient needs an account credit, a wallet balance or cash.
The quickest bank quote is of little use if the recipient then has to travel to withdraw the money.
Need
Option I suggest checking
Practical check
Both people already use Revolut
Revolut
Supported currency and verified accounts
Cash collection
Western Union or Remitly
Collection point, identification and opening hours
Mobile-wallet credit
Taptap Send or Remitly
Exact wallet and receiving limit
Foreign bank-account payment
Wise or TransferGo
Funding time and quoted arrival
Funding and identity checks can extend the journey, even when the onward transfer has a short delivery estimate.
For your first payment, complete verification early instead of relying on the shortest time displayed for an established customer.
Sending a large amount from Germany
For a large payment, I suggest comparing Regency FX with Wise using the same total EUR budget and the same recipient details.
An account manager can help coordinate a completion date, while a self-service quote gives you a clear benchmark for the price.
These €25,000 examples focus on GBP and USD, which are useful reference currencies for property payments or moving savings abroad.
Last updated at 16/10/2026
EUR GBP
Mid Market Rate€1 = £0.8442
Transfer Amount€25,000
1
Regency FX
2
Wise
Currency pair
They get (after fees)
Transfer fees
FX Rate
Markup
Delivery time
Cheapest payment method
EUR / GBP
£21,052.41
€0.00
0.8421
0.25%
Minutes - 24 hours
Bank transfer
EUR / GBP
£21,005.54
€117.81
0.8442
0.00%
Within minutes
Bank transfer
EUR USD
Mid Market Rate€1 = $1.1226
Transfer Amount€25,000
1
Regency FX
2
Wise
Currency pair
They get (after fees)
Transfer fees
FX Rate
Markup
Delivery time
Cheapest payment method
EUR / USD
$27,994.49
€0.00
1.1198
0.25%
Minutes - 24 hours
Bank transfer
EUR / USD
$27,934.91
€115.88
1.1226
0.00%
Within 3 hours
Bank transfer
Prepare the bank statements or sale documents explaining the source of the money before funding a substantial transfer.
If the recipient must receive an exact invoice amount, ask whether intermediary or receiving-bank charges could reduce the payment.
AWV reporting is separate from your transfer limit
Covered payments between German residents and non-residents above €50,000 can require reporting to the Bundesbank, subject to the applicable exemptions.
Transfers between your own domestic and foreign accounts are exempt from payment reporting, although normal identity and source-of-funds checks still apply.
The reporting threshold is not a legal maximum for sending money abroad.
When your German bank is already enough
For EUR payments to another eligible SEPA account, I suggest checking your existing bank before opening a new transfer account.
A euro-area bank's instant EUR transfer cannot cost more than its equivalent standard transfer, making it useful when you need a quick payment without currency conversion.
Sending euros to a PLN or RON account is a different decision, because the receiving bank may convert at its own rate.
My suggestion is to compare a specialist's local-currency payout against that bank conversion before assuming the low SEPA sending fee produces the best result.
For online funding, a girocard is not automatically interchangeable with a Visa or Mastercard debit card.
Check the card's supported payment network, or use bank funding when the app does not accept your card.
How to send your first international transfer
Confirm the recipient's account or collection method
Ask for the exact receiving currency and details, including the wallet network or cash collection point where relevant.
Check the full quote
Compare the total you pay with the final amount received, using the funding and delivery methods you intend to choose.
Complete verification and fund the payment
Provide the required identification, then pay using your own eligible account or card and the exact reference supplied.
Track the transfer and keep the receipt
Save the transaction reference and share collection details securely, checking the estimated arrival before sending a duplicate payment.
I suggest using a live comparison before sending, particularly when the amount or receiving method has changed since your last transfer.
Find the best rate for transfers from Germany
Enter your destination and amount to find the available deals for your EUR transfer.
Our methodology & why trust us
We checked Germany-origin availability across representative destinations, then assessed funding methods, receiving options and restrictions using official company and regulatory information.
My editorial picks reflect different transfer needs, while the comparison components show prices for their stated amounts and destinations.
The page data updates weekly, so the displayed results can differ from a quote obtained when you make your payment.
We may earn commission from some companies, but commercial deals do not influence their positioning or what we write about them.
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