Best companies for EUR/AMD transfers
3 of 3 providers Last updated on 28 October 2026
Based on 7,000 EUR transfer Best companies for EUR/AMD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €272.51 1 EUR = 400.8530 AMD -0.25% vs mid-market	Recipient gets ֏2,696,734.55 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Armenia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €272.511 EUR = 400.8530 AMD ֏2,696,734.55You pay€7,000.00
Promoted Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 398.7568 AMD +0.27% vs mid-market	Recipient gets ֏2,791,297.28 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Armenia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 398.7568 AMD ֏2,791,297.28You pay€7,000.00
Run a live search Showing top Germany to Armenia deals for 7,000 EUR. 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 EUR to AMD rates.
Run a live search These companies offer multi-currency accounts for spending AMD. We suggest doing a live search based on how much EUR you're planning to spend in Armenia.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 398.7568 AMD +0.27% vs mid-market	Recipient gets ֏2,791,297.28 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Armenia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 398.7568 AMD ֏2,791,297.28You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €100.00 1 EUR = 399.2535 AMD +0.15% vs mid-market	Recipient gets ֏2,754,849.13 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Armenia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €100.001 EUR = 399.2535 AMD ֏2,754,849.13You pay€7,000.00
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.
Wise Pay via Bank transfer	Fee €272.51 1 EUR = 400.8530 AMD -0.25% vs mid-market	Recipient gets ֏2,696,734.55 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Armenia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €272.511 EUR = 400.8530 AMD ֏2,696,734.55You pay€7,000.00
Wise Pay via iDEAL	Fee €282.00 1 EUR = 400.8530 AMD -0.25% vs mid-market	Recipient gets ֏2,692,930.45 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Armenia with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €282.001 EUR = 400.8530 AMD ֏2,692,930.45You pay€7,000.00
Wise Pay via Debit card	Fee €323.91 1 EUR = 400.8530 AMD -0.25% vs mid-market	Recipient gets ֏2,676,130.70 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Armenia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €323.911 EUR = 400.8530 AMD ֏2,676,130.70You pay€7,000.00
Wise Pay via Credit card	Fee €363.19 1 EUR = 400.8530 AMD -0.25% vs mid-market	Recipient gets ֏2,660,385.20 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Armenia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €363.191 EUR = 400.8530 AMD ֏2,660,385.20You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 399.8363 AMD Updates every 60 minutes.

Why compare

EUR/AMD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Germany to Armenia

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 28 of the 28 days it quoted €7,000 transfers to Armenia.

On a 7,000 EUR transfer, Regency FX delivers the most AMD.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/AMD rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, iDEAL, and credit card.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to Armenia?

How much EUR you send to Armenia 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 Regency FX was the cheapest in 100% of the transfers from €7,000 it quoted, and in 100% of all the transfers it quoted.


€1,000	0.14%	€10.00	֏395,428.08with debit card to bank deposit	+֏11,934.36
€5,000	0.13%	€70.00	֏1,968,594.20with debit card to bank deposit	+֏43,083.85
€7,000This page	0.27%	€0.00	֏2,791,297.28with bank transfer to bank deposit	+֏79,242.73
€50,000	0.25%	€0.00	֏19,947,813.28with bank transfer to bank deposit	+֏402,060.87

Mid-market rate: 1 EUR = 399.8363 AMD

EUR/AMD Exchange Rate History

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

The cheapest way to send EUR to AMD 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 Regency FX), across 30 days of comparisons for 7,000 EUR transfers to Armenia.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

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 AMD per EUR than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of AMD on every transfer from Germany.

Right now, Regency FX pays 2,791,297.28 AMD on 7,000 EUR, which is 7,556.9 AMD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 2,884,900.1 AMD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Armenia.

We've tracked 78 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

Regency FXAppeared in 41 comparisons
Cheapest every time
RevolutAppeared in 73 comparisons
Cheapest in 45% of them
WiseAppeared in 76 comparisons
Cheapest in 3% of them

Based on 78 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most AMD, and it was also the cheapest in 100% of the 41 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Armenia.

Revolut (today's second cheapest) was the cheapest in only 45% of its comparisons, so it's rarely the cheapest option for transfers to Armenia.

Ways to send money from Germany to Armenia

There are 3 companies for sending money from Germany to Armenia, across app, multi-currency account, global account, broker, and online, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7,000 with Revolut to Armenia gets you 2,754,849.13 AMD with a €100 fee and 0.15% markup.

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

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For large transfers from Germany

Currency brokers

For buying property, moving to Armenia, or moving pensions, a currency broker is the best option.

A broker like Regency FX charges no fee and works on a margin. It adds 0.27% on EUR/AMD which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to Armenia.

Be it overseas suppliers and contractors, receiving AMD payments, or holding AMD and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and AMD in one account.

You get AMD bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert AMD to EUR or EUR to AMD whenever you need.

The best multi-currency account is Revolut, it adds ~0.15% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund EUR and receive AMD in Armenia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 2,791,297.28 AMD.

You can pay for the transfer using bank transfer, debit card, iDEAL, and credit card.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Armenia.

The recipient in Armenia can receive AMD by bank deposit.

To receive AMD by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

1

Bank transfer Bank deposit

You pay €7,000.00

դր.2,791,297

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

դր.2,754,849

-դր.36,448
3

iDEAL Bank deposit

You pay €7,000.00

դր.2,692,930

-դր.98,367
4

Credit card Bank deposit

You pay €7,000.00

դր.2,660,385

-դր.130,912

Things to know before sending money from Germany to Armenia

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/AMD transfer options

For a €7,000 transfer to Armenia, these are the best options:

Cheapest way to send money to Armenia

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,791,297.28 AMD, which is 1.31% more than the next best option.

Fastest way to send money to Armenia

The fastest option is Revolut. Pay by debit card and choose bank deposit for the payout. Your recipient gets 2,754,849.13 AMD in within minutes.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into AMD sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 3 of them on EUR to Armenia, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 78 comparisons across 4 amounts.

This page covers the cheapest and fastest options for EUR/AMD 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.

More on who we are, why you can trust us and how to get started.

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

Send money from Germany

Send money to Armenia

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	413.2443	–	֏2,892,710.42
Regency FX Cheapest	412.1286	€0.00	֏2,884,900.10	−֏7,810.32
Revolut	410.7959	€100.00	֏2,834,491.94	−֏58,218.48
Wise	413.1330	€300.73	֏2,767,689.51	−֏125,020.91

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	412.9016	–	֏2,890,311.31
Regency FX Cheapest	411.7868	€0.00	֏2,882,507.46	−֏7,803.85
Revolut	410.2356	€100.00	֏2,830,625.33	−֏59,685.98
Wise	412.8750	€305.23	֏2,764,103.16	−֏126,208.15

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	411.8722	–	֏2,883,105.30
Regency FX Cheapest	410.7601	€0.00	֏2,875,320.92	−֏7,784.38
Revolut	408.5061	€100.00	֏2,818,691.96	−֏64,413.34
Wise	411.3690	€326.97	֏2,745,077.68	−֏138,027.62

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	412.5589	–	֏2,887,912.31
Regency FX Cheapest	411.4450	€0.00	֏2,880,114.95	−֏7,797.36
Revolut	406.5072	€100.00	֏2,804,899.87	−֏83,012.44
Wise	408.3480	€267.24	֏2,749,309.08	−֏138,603.23

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	408.1139	–	֏2,856,797.19
Regency FX Cheapest	407.0120	€0.00	֏2,849,083.84	−֏7,713.35
Revolut	405.0359	€170.00	֏2,766,395.08	−֏90,402.11
Wise	408.0740	€292.43	֏2,737,184.92	−֏119,612.27

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	407.2947	–	֏2,851,063.04
Regency FX Cheapest	406.1950	€0.00	֏2,843,365.17	−֏7,697.87
Revolut	404.9952	€170.00	֏2,766,117.35	−֏84,945.69
Wise	408.0740	€292.43	֏2,737,184.92	−֏113,878.12

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.1604	–	֏2,836,122.84
Regency FX Cheapest	404.0665	€0.00	֏2,828,465.31	−֏7,657.53
Revolut	403.5854	€100.00	֏2,784,739.44	−֏51,383.40
Wise	405.7540	€295.69	֏2,720,300.60	−֏115,822.24

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.1942	–	֏2,836,359.09
Regency FX Cheapest	404.1001	€0.00	֏2,828,700.92	−֏7,658.17
Revolut	403.7192	€100.00	֏2,785,662.19	−֏50,696.90
Wise	406.6430	€295.67	֏2,726,268.86	−֏110,090.23

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	406.2288	–	֏2,843,601.82
Regency FX Cheapest	405.1320	€0.00	֏2,835,924.10	−֏7,677.72
Revolut	404.5885	€100.00	֏2,791,660.95	−֏51,940.87
Wise	407.2420	€295.67	֏2,730,284.76	−֏113,317.06

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	402.7752	–	֏2,819,426.31
Regency FX Cheapest	401.6877	€0.00	֏2,811,813.86	−֏7,612.45
Revolut	403.6377	€100.00	֏2,785,099.91	−֏34,326.40
Wise	406.0330	€284.74	֏2,726,617.16	−֏92,809.15

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.1294	–	֏2,835,905.67
Regency FX Cheapest	404.0355	€0.00	֏2,828,248.72	−֏7,656.95
Revolut	404.3320	€100.00	֏2,789,890.65	−֏46,015.02
Wise	407.1540	€312.34	֏2,722,907.52	−֏112,998.15

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.5224	–	֏2,838,656.78
Regency FX Cheapest	404.4275	€0.00	֏2,830,992.41	−֏7,664.37
Revolut	402.5733	€170.00	֏2,749,575.92	−֏89,080.86
Wise	405.8550	€289.25	֏2,723,591.44	−֏115,065.34

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	406.6900	–	֏2,846,829.78
Regency FX Cheapest	405.5919	€0.00	֏2,839,143.34	−֏7,686.44
Revolut	403.6750	€100.00	֏2,785,357.59	−֏61,472.19
Wise	406.5050	€301.46	֏2,722,990.00	−֏123,839.78

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.0306	–	֏2,835,214.54
Regency FX Cheapest	403.9371	€0.00	֏2,827,559.46	−֏7,655.08
Revolut	403.0682	€100.00	֏2,781,170.39	−֏54,044.15
Wise	405.6060	€313.00	֏2,712,287.32	−֏122,927.22

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	404.2173	–	֏2,829,521.41
Regency FX Cheapest	403.1260	€0.00	֏2,821,881.70	−֏7,639.71
Revolut	403.3350	€100.00	֏2,783,011.19	−֏46,510.22
Wise	406.1240	€301.45	֏2,720,441.92	−֏109,079.49

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	404.5906	–	֏2,832,134.20
Regency FX Cheapest	403.4982	€0.00	֏2,824,487.44	−֏7,646.76
Wise	405.9920	€332.12	֏2,707,105.94	−֏125,028.26
Revolut No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	405.9702	–	֏2,841,791.32
Regency FX Cheapest	404.8741	€0.00	֏2,834,118.49	−֏7,672.83
Revolut	404.2617	€100.00	֏2,789,405.40	−֏52,385.92
Wise	406.7800	€280.85	֏2,733,215.84	−֏108,575.48

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	406.8431	–	֏2,847,901.57
Regency FX Cheapest	405.7446	€0.00	֏2,840,212.24	−֏7,689.33
Revolut	404.1357	€170.00	֏2,760,246.82	−֏87,654.75
Wise	406.9150	€280.19	֏2,734,391.49	−֏113,510.08

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	407.2322	–	֏2,850,625.63
Regency FX Cheapest	406.1327	€0.00	֏2,842,928.94	−֏7,696.69
Revolut	404.7687	€100.00	֏2,792,904.15	−֏57,721.48
Wise	406.4730	€280.20	֏2,731,417.27	−֏119,208.36

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	406.0306	–	֏2,842,214.47
Regency FX Cheapest	404.9344	€0.00	֏2,834,540.49	−֏7,673.98
Wise	406.6850	€289.88	֏2,728,905.15	−֏113,309.32
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	404.9352	–	֏2,834,546.13
Regency FX Cheapest	403.8418	€0.00	֏2,826,892.86	−֏7,653.27
Revolut	403.5695	€100.00	֏2,784,629.40	−֏49,916.73
Wise	406.2370	€289.24	֏2,726,159.01	−֏108,387.12

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	404.3678	€100.00	֏2,790,137.79	–
Wise	407.3140	€293.73	֏2,731,557.66	–
Regency FX No quote collected this day	–	–	–	–

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	404.4277	–	֏2,830,994.24
Regency FX Cheapest	403.3358	€0.00	֏2,823,350.56	−֏7,643.68
Revolut	403.0957	€100.00	֏2,781,360.34	−֏49,633.90
Wise	405.4370	€276.98	֏2,725,761.06	−֏105,233.18

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	401.3818	€170.00	֏2,741,438.02	–
Wise	405.0250	€278.28	֏2,722,464.64	–
Regency FX No quote collected this day	–	–	–	–

Sun, 25 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	404.1582	–	֏2,829,107.74
Regency FX Cheapest	403.0670	€0.00	֏2,821,469.15	−֏7,638.59
Revolut	401.3818	€170.00	֏2,741,438.02	−֏87,669.72
Wise	405.0250	€278.28	֏2,722,464.64	−֏106,643.10

How to send money to Armenia from Germany with the best EUR-AMD rate

Best companies for EUR/AMD transfers