Ways to Send Money Online Instantly from Germany in 2026

Fast ways to send money abroad from Germany

Bank payments with fast EUR funding

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

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"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."

Express delivery options

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

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

Fast mobile-wallet payments

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

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"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Eligible card delivery

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

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"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Sending from your existing balance

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

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"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.

Cash pickup within minutes

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

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Wise

Fast bank payments without always paying by card

I suggest Wise for bank payments because supported instant EUR funding lets you pay directly from your German account.

Its Simple bank transfer option uses Open Banking, and can fund your EUR transfer instantly when your bank supports that option.

That gives you an alternative to card funding, especially if you already have the money in your German current account.

The destination still changes the result, with GBP bank payments usually arriving the same working day after Wise receives and converts your money.

Conversion can take up to two working days, so check the delivery estimate before promising that the recipient will get it today.

For a larger payment, compare Wise's arrival estimate at €1,000 and €5,000 before funding it.

Remitly

Choose the delivery speed for the payment

If money needs to reach family urgently, I suggest Remitly's Express option when it is available for the receiving method.

Debit or credit card payment can support the faster option, while the available delivery speeds depend on the destination and transfer.

For the Philippines, you can choose bank deposit, cash pickup or a mobile wallet, including GCash and Maya.

That lets you choose where the recipient can use the money, rather than sending a quick payment to an inconvenient account.

Express availability still needs checking for your exact transfer, and a card payment does not remove identity or transaction checks.

Use the quoted arrival time when comparing Express with the delivery times below.

Taptap Send

Wallet payments that can arrive outside bank hours

Taptap Send is particularly useful when your recipient already uses a supported mobile wallet and needs the money during a weekend.

Transfers to GCash, Maya and Coins.ph in the Philippines typically arrive within minutes, with wallet delivery available around the clock.

Bank delivery has different timing, so choosing a bank account can change the arrival even when you use the same company.

For a first international GCash payment, the recipient needs to accept the remittance terms in GCash before the money can be credited.

Check that step before an urgent payment, along with the wallet's available receiving limit.

Check Taptap Send's delivery time and recipient amount below for the destination and amount you need.

TransferGo

Send directly to an eligible recipient card

TransferGo gives you a fast card-delivery option when the recipient's destination and card are supported.

Card delivery usually takes a few minutes, while bank delivery can take a few minutes to a few hours.

My suggestion is to choose the receiving method with the better arrival estimate, rather than assuming a bank account will always be slower.

Paying TransferGo by card is a separate choice from sending to your recipient's card, and both need to be supported for your transfer.

If you pay by manual bank transfer, include the exact amount and reference so TransferGo can match the money to your order.

Revolut

Use the money already in your Revolut account

If you and your recipient already use Revolut, I suggest sending the payment between your accounts rather than arranging an external bank transfer.

Internal transfers are usually instant, but the recipient's later withdrawal to another bank has its own timing.

You can also send to an eligible external card, with delivery usually instant or within 30 minutes.

Rare receiving-bank delays can extend card delivery to 48 hours, so use the app's estimate if the payment has a fixed deadline.

Starting with an existing balance removes the need to fund Revolut first, while opening and verifying a new account adds another stage.

Check Revolut's transfer time for the currency you're sending, as external payments can take longer than internal ones.

Western Union

Cash your recipient can collect within minutes

For urgent cash, I suggest Western Union when the recipient has a convenient agent that is open.

Eligible transfers from Germany to the Philippines can be ready for collection within minutes, with online payment or cash funding at an agent.

The recipient still needs matching identification and the transfer's tracking number, so check those details before you pay.

Money ready for collection is only helpful if the recipient can reach the agent and collect the required currency.

MoneyGram is another minutes-based cash option, so compare the collection location and recipient amount when both can meet the deadline.

How to fund your transfer quickly

The transfer has three stages, your payment reaches the company, the company processes it, and the recipient receives usable money.

A quick payout cannot make up for funding that has not arrived, so compare payment methods before confirming the transfer.

Instant bank payment

With Wise's Simple bank transfer, a supported instant bank payment can reach Wise immediately, while a standard payment can take a working day.

Taptap Send also offers instant bank payment in supported European countries and Klarna/Sofort in Germany, with availability shown for your payment.

Open Banking describes how you authorise the payment, so check whether the selected option uses an instant or standard bank transfer.

Debit or credit card

Remitly's Express option can use eligible card payment, while Wise and TransferGo also accept supported cards for EUR transfers.

Your bank may still require payment authentication or decline the transaction, and the card funding limit can be below the bank-transfer limit.

For example, Wise allows up to €10,000 per card-funded EUR transfer, so a larger payment needs another supported funding method.

Apple Pay or Google Pay

Western Union accepts these payment options for eligible German transfers, while Remitly supports Apple Pay.

A saved card can make paying quicker, but it does not change the receiving bank's processing or a cash agent's opening hours.

Money already in your account

If you already hold the sending currency with Wise or Revolut, you can avoid waiting for a new external funding payment.

That helps most when the account is already verified and the balance is sufficient for the transfer and its costs.

Which receiving method gets the money there fastest?

Choose the receiving method around how the recipient will use the money, then compare the supported options for that method.

A bank account

The destination's payment network and receiving bank affect how quickly a bank deposit reaches the account.

For transfers from Germany to India, Taptap Send typically delivers through India’s UPI instant bank-payment network in minutes, while ordinary bank delivery usually takes under two hours but can take two working days to appear.

For sending money from Germany to the UK, Wise's GBP payout usually arrives the same working day after receiving and converting your money.

A mobile wallet

A mobile wallet can receive the payment within minutes when the service supports that wallet and the recipient has an eligible account.

My suggestion is to use a wallet the recipient already has verified, especially when bank hours would make a deposit less convenient.

For example, Taptap Send supports the following wallets for transfers from Germany.

Wallet credit and withdrawing physical cash are separate actions, so check local cash-out availability if the recipient needs notes today.

Cash pickup

Cash pickup can be ready within minutes, but the recipient needs an open collection point and the required identification.

For example, Western Union offers minutes-based cash collection for eligible transfers from Germany to the Philippines.

I suggest choosing a convenient open agent before a marginally quicker estimate at a location the recipient cannot reach.

Card delivery or a same-service payment

Card delivery pays into the account linked to an eligible recipient card, with timing controlled by the service and receiving bank.

TransferGo and Revolut offer supported card delivery, so check the card's eligibility and the quoted arrival before paying.

A same-service payment stays inside the service, such as a usually instant transfer between two Revolut accounts.

That can suit a payment to a friend who already uses it, while withdrawing to another bank adds a separate stage.

When a SEPA Instant transfer from your German bank is enough

For euro payments to an eligible account abroad, SEPA Instant can deliver within ten seconds, 24 hours a day.

I suggest using that option for a euro invoice or family payment when the destination account supports it.

The same system can handle domestic payments, so sending money within Germany may need no separate transfer company.

SEPA membership alone does not mean every account outside the euro area is reachable instantly, and the payment needs to stay in euros.

Your bank cannot charge more for an applicable instant euro transfer than for the equivalent standard transfer, although your account's normal charges still apply.

Check your online-banking payment limit before sending a larger amount, and use our guide to transferring money between banks in Germany for the wider process.

How to avoid delays on an urgent transfer

Why an instant transfer can take longer

An instant transfer estimate can change if the payment needs extra checks or your bank does not release the funding.

Check the transfer status first to see whether the company is waiting for payment, reviewing the transfer or has already sent it.

If funding is missing, confirm the bank payment completed and that the amount and reference match the company's instructions.

If the transfer is under review, provide the requested documents through the service rather than sending another payment for the same recipient.

For bank or cash delivery, the recipient's bank hours, local holidays and agent availability can affect when they can use the money.

Keep the transfer reference when contacting support, and ask which stage is delayed before changing the receiving method.

Does sending money faster cost more?

Compare the recipient amount for your EUR payment below, then check which available delivery estimate meets your deadline.

Last updated at 16/10/2026

EUR TRY

Mid Market Rate €1 = ₺55.6034

Transfer Amount €1,000

1

Remitly

2

Western Union

3

Instarem

Currency pair

They get (after fees)

Delivery time

EUR / TRY

₺56,090.00

Within minutes

Visit

EUR / TRY

₺55,530.53

Minutes - 2 days

Visit

EUR / TRY

₺55,527.90

Minutes - 24 hours

Visit

EUR GBP

Mid Market Rate €1 = £0.8442

Transfer Amount €1,000

1

Remitly

2

Revolut

3

MoneyGram

Currency pair

They get (after fees)

Delivery time

EUR / GBP

£842.60

Within minutes

Visit

EUR / GBP

£841.34

Within minutes

Visit

EUR / GBP

£840.60

Minutes - 24 hours

Visit

EUR INR

Mid Market Rate €1 = ₹106.5922

Transfer Amount €1,000

1

Profee

2

Remitly

3

TapTap Send

Currency pair

They get (after fees)

Delivery time

EUR / INR

₹107,401.46

Minutes - 24 hours

Visit

EUR / INR

₹107,040.00

Within a week

Visit

EUR / INR

₹106,510.00

Minutes

Visit

EUR PHP

Mid Market Rate €1 = ₱70.7707

Transfer Amount €1,000

1

Remitly

2

Western Union

3

Instarem

Currency pair

They get (after fees)

Delivery time

EUR / PHP

₱71,050.00

Within a week

Visit

EUR / PHP

₱70,859.88

Minutes - 2 days

Visit

EUR / PHP

₱70,672.30

Minutes - 24 hours

Visit

Express delivery or card funding can cost more, but an instant euro bank payment may cost the same as a standard one.

The comparison orders results by cost, so choose between services that offer the receiving method and deadline you need.

If you can wait, our cheapest ways to send money abroad from Germany guide gives cost more weight.

Can I send a large amount instantly?

A fast payment network does not remove account limits or additional verification on a large transfer.

Check your bank's online payment limit and the destination's receiving limit before agreeing an arrival deadline for a larger amount.

I suggest arranging the payment and documents ahead of a property or tuition deadline, using our guide to sending large amounts from Germany.

Before paying for an urgent transfer, compare the available rates and check the arrival estimate for your chosen receiving method.