How to send money to Czech Republic from Germany with the best EUR-CZK rate

Key Currency is the best and cheapest service overall. On €7,000 you will get 169,938.12 CZK after fees and the exchange rate.

We’ve compared 12 money transfer companies in more detail below.

Best companies for EUR/CZK transfers

13 of 13 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/CZK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €36.23 1 EUR = 24.3385 CZK 0.00% vs mid-market Recipient gets Kč 169,487.72 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Czechia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€36.231 EUR = 24.3385 CZK
Kč 169,487.72You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 24.2124 CZK +0.52% vs mid-market Recipient gets Kč 169,486.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Czechia with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2124 CZK
Kč 169,486.80You pay€7,000.00

Run a live search

Showing top Germany to Czech Republic deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 24.2769 CZK +0.25% vs mid-market Recipient gets Kč 169,938.12 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Czechia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 24.2769 CZK
Kč 169,938.12You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 24.2720 CZK +0.27% vs mid-market Recipient gets Kč 169,904.05 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Czechia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2720 CZK
Kč 169,904.05You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 24.2647 CZK +0.30% vs mid-market Recipient gets Kč 169,852.94 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Czechia with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2647 CZK
Kč 169,852.94You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 24.2160 CZK +0.50% vs mid-market Recipient gets Kč 169,512.21 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Czechia with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2160 CZK
Kč 169,512.21You pay€7,000.00

Wise

Pay via Bank transfer
Fee €36.23 1 EUR = 24.3385 CZK 0.00% vs mid-market Recipient gets Kč 169,487.72 Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Czechia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€36.231 EUR = 24.3385 CZK
Kč 169,487.72You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 24.2124 CZK +0.52% vs mid-market Recipient gets Kč 169,486.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Czechia with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2124 CZK
Kč 169,486.80You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 24.2124 CZK +0.52% vs mid-market Recipient gets Kč 169,486.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Czechia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2124 CZK
Kč 169,486.80You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 24.2124 CZK +0.52% vs mid-market Recipient gets Kč 169,486.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Czechia with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 24.2124 CZK
Kč 169,486.80You pay€7,000.00

Wise

Pay via iDEAL
Fee €46.37 1 EUR = 24.3385 CZK 0.00% vs mid-market Recipient gets Kč 169,240.92 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Czechia with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€46.371 EUR = 24.3385 CZK
Kč 169,240.92You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €30.50 1 EUR = 24.2663 CZK +0.29% vs mid-market Recipient gets Kč 169,123.71 Same day
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Czechia with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame day
€30.501 EUR = 24.2663 CZK
Kč 169,123.71You 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.

CurrencyFair

Pay via Bank transfer
Fee €3.08 1 EUR = 24.1300 CZK +0.86% vs mid-market Recipient gets Kč 168,835.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Czechia with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€3.081 EUR = 24.1300 CZK
Kč 168,835.00You pay€7,000.00

Wise

Pay via Debit card
Fee €91.23 1 EUR = 24.3385 CZK 0.00% vs mid-market Recipient gets Kč 168,149.10 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Czechia with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€91.231 EUR = 24.3385 CZK
Kč 168,149.10You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 23.9970 CZK +1.40% vs mid-market Recipient gets Kč 167,978.94 Minutes - 2 days

Ways to receive money in Czechia with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 23.9970 CZK
Kč 167,978.94You pay€7,000.00

Opal Transfer

Pay via Bank transfer
Fee €1.00 1 EUR = 24.0000 CZK +1.40% vs mid-market Recipient gets Kč 167,976.00 Minutes - 24 hours
0 reviews

Ways to receive money in Czechia with Opal Transfer when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€1.001 EUR = 24.0000 CZK
Kč 167,976.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €79.00 1 EUR = 24.2663 CZK +0.29% vs mid-market Recipient gets Kč 167,946.79 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Czechia with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€79.001 EUR = 24.2663 CZK
Kč 167,946.79You 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 Credit card
Fee €133.25 1 EUR = 24.3385 CZK 0.00% vs mid-market Recipient gets Kč 167,126.39 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Czechia with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€133.251 EUR = 24.3385 CZK
Kč 167,126.39You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €9.99 1 EUR = 23.8616 CZK +1.98% vs mid-market Recipient gets Kč 167,031.20 Minutes - 24 hours

Ways to receive money in Czechia with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €9.99 1 EUR = 23.8616 CZK +1.98% vs mid-market Recipient gets Kč 167,031.20 Minutes - 24 hours

Ways to receive money in Czechia with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €9.99 1 EUR = 23.8616 CZK +1.98% vs mid-market Recipient gets Kč 167,031.20 Minutes - 24 hours

Ways to receive money in Czechia with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 23.8616 CZK
Kč 167,031.20You pay€7,009.99

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 23.9324 CZK +1.68% vs mid-market Recipient gets Kč 166,640.05 Minutes - 5 days
0 reviews

Ways to receive money in Czechia with Deutsche Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 23.9324 CZK
Kč 166,640.05You pay€7,000.00

Profee

Pay via Debit card
Fee €0.00 1 EUR = 23.5745 CZK +3.19% vs mid-market Recipient gets Kč 165,021.47 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Czechia with Profee when paying by debit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 23.5745 CZK
Kč 165,021.47You pay€7,000.00

Profee

Pay via Bank transfer
Fee €0.00 1 EUR = 23.5745 CZK +3.19% vs mid-market Recipient gets Kč 165,021.47 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Czechia with Profee when paying by bank transfer.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 23.5745 CZK
Kč 165,021.47You pay€7,000.00

Profee

Pay via Klarna
Fee €0.00 1 EUR = 23.5745 CZK +3.19% vs mid-market Recipient gets Kč 165,021.47 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Czechia with Profee when paying by klarna.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 23.5745 CZK
Kč 165,021.47You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 24.3377 CZK Updates every 60 minutes.

How to send money from Germany to Czech Republic

Pick a company

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

Key Currency was the cheapest on 26 of the 27 days it quoted €7,000 transfers to Czech Republic.

On a 7,000 EUR transfer, Key Currency delivers the most CZK.

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

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, iDEAL, debit card, and klarna.

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 Czech Republic?

How much EUR you send to Czech Republic 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 Key Currency was the cheapest in 98% of the transfers from €7,000 it quoted, and in 98% of all the transfers it quoted.

Cheapest service
€1,0000.29%€0.50Kč 24,262.74with bank transfer to bank deposit+Kč 341.07
€5,0000.30%€0.00Kč 121,350.19with bank transfer to bank deposit+Kč 1,462.45
€7,000This page0.25%€0.00Kč 169,938.12with bank transfer to bank deposit+Kč 1,836.80
€50,0000.20%€0.00Kč 1,214,710.71with bank transfer to bank deposit+Kč 12,485.12

Mid-market rate: 1 EUR = 24.3377 CZK

EUR/CZK Exchange Rate History

Is today a good time to send money from Germany to Czech Republic?

The cheapest way to send EUR to CZK 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 Key Currency), across 30 days of comparisons for 7,000 EUR transfers to Czech Republic.

CZK received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateKč 170,364.03 Key Currency Kč 169,938.12 Deutsche Bank Kč 166,640.05Key CurrencyKč 169,938.12Regency FXKč 169,904.05TorFxKč 169,852.94Extra cost of a bankKč 3,298.07

165.000
166.000
167.000
168.000
169.000
170.000
171.000
172.000
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3999 – Kč 170,799.57
Key Currency Cheapest 24.3389 €0.00 Kč 170,372.57 −Kč 427.00
Regency FX 24.3341 €0.00 Kč 170,338.41 −Kč 461.16
TorFx 24.3267 €0.00 Kč 170,287.17 −Kč 512.40
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4390 – Kč 171,073.32
Key Currency Cheapest 24.3779 €0.00 Kč 170,645.64 −Kč 427.68
Regency FX 24.3731 €0.00 Kč 170,611.42 −Kč 461.90
TorFx 24.3657 €0.00 Kč 170,560.10 −Kč 513.22
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4473 – Kč 171,131.42
Key Currency Cheapest 24.3862 €0.00 Kč 170,703.59 −Kč 427.83
Regency FX 24.3813 €0.00 Kč 170,669.37 −Kč 462.05
TorFx 24.3740 €0.00 Kč 170,618.03 −Kč 513.39
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4569 – Kč 171,197.97
Key Currency Cheapest 24.3957 €0.00 Kč 170,769.98 −Kč 427.99
Regency FX 24.3908 €0.00 Kč 170,735.74 −Kč 462.23
TorFx 24.3835 €0.00 Kč 170,684.38 −Kč 513.59
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4545 – Kč 171,181.73
Key Currency Cheapest 24.3934 €0.00 Kč 170,753.78 −Kč 427.95
Regency FX 24.3885 €0.00 Kč 170,719.54 −Kč 462.19
TorFx 24.3812 €0.00 Kč 170,668.19 −Kč 513.54
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4545 – Kč 171,181.73
Key Currency Cheapest 24.3934 €0.00 Kč 170,753.78 −Kč 427.95
Regency FX 24.3885 €0.00 Kč 170,719.54 −Kč 462.19
TorFx 24.3812 €0.00 Kč 170,668.19 −Kč 513.54
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4350 – Kč 171,045.18
Key Currency Cheapest 24.3739 €0.00 Kč 170,617.57 −Kč 427.61
Regency FX 24.3691 €0.00 Kč 170,583.36 −Kč 461.82
TorFx 24.3617 €0.00 Kč 170,532.05 −Kč 513.13
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4547 – Kč 171,183.15
Key Currency Cheapest 24.3936 €0.00 Kč 170,755.19 −Kč 427.96
Regency FX 24.3887 €0.00 Kč 170,720.96 −Kč 462.19
TorFx 24.3814 €0.00 Kč 170,669.60 −Kč 513.55
Deutsche Bank 24.0426 €37.05 Kč 167,407.26 −Kč 3,775.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4131 – Kč 170,891.92
Xe Cheapest 24.4098 €0.00 Kč 170,868.60 −Kč 23.32
Key Currency 24.3521 €0.00 Kč 170,464.69 −Kč 427.23
Regency FX 24.3472 €0.00 Kč 170,430.52 −Kč 461.40
TorFx 24.3399 €0.00 Kč 170,379.25 −Kč 512.67
Deutsche Bank 24.0426 €37.05 Kč 167,407.26 −Kč 3,484.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.4153 – Kč 170,907.33
Key Currency Cheapest 24.3543 €0.00 Kč 170,480.06 −Kč 427.27
Regency FX 24.3494 €0.00 Kč 170,445.88 −Kč 461.45
TorFx 24.3421 €0.00 Kč 170,394.61 −Kč 512.72
Deutsche Bank 24.0154 €37.05 Kč 167,217.98 −Kč 3,689.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3627 – Kč 170,539.21
Key Currency Cheapest 24.3018 €0.00 Kč 170,112.86 −Kč 426.35
Regency FX 24.2970 €0.00 Kč 170,078.75 −Kč 460.46
TorFx 24.2897 €0.00 Kč 170,027.59 −Kč 511.62
Deutsche Bank 24.0154 €37.05 Kč 167,217.98 −Kč 3,321.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3845 – Kč 170,691.79
Key Currency Cheapest 24.3236 €0.00 Kč 170,265.06 −Kč 426.73
Regency FX 24.3187 €0.00 Kč 170,230.93 −Kč 460.86
TorFx 24.3114 €0.00 Kč 170,179.72 −Kč 512.07
Deutsche Bank 23.9760 €37.05 Kč 166,943.69 −Kč 3,748.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3845 – Kč 170,691.79
Key Currency Cheapest 24.3236 €0.00 Kč 170,265.06 −Kč 426.73
Regency FX 24.3187 €0.00 Kč 170,230.93 −Kč 460.86
TorFx 24.3114 €0.00 Kč 170,179.72 −Kč 512.07
Deutsche Bank 23.9760 €37.05 Kč 166,943.69 −Kč 3,748.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3687 – Kč 170,580.73
Key Currency Cheapest 24.3078 €0.00 Kč 170,154.27 −Kč 426.46
Regency FX 24.3029 €0.00 Kč 170,120.16 −Kč 460.57
TorFx 24.2956 €0.00 Kč 170,068.98 −Kč 511.74
Deutsche Bank 23.9834 €37.05 Kč 166,995.04 −Kč 3,585.68
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 24.3645 €36.23 Kč 169,668.77 –
Deutsche Bank 23.9522 €37.05 Kč 166,778.23 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3574 – Kč 170,501.88
Key Currency Cheapest 24.2965 €0.00 Kč 170,075.62 −Kč 426.26
Regency FX 24.2916 €0.00 Kč 170,041.52 −Kč 460.36
TorFx 24.2843 €0.00 Kč 169,990.37 −Kč 511.51
Deutsche Bank 23.9485 €37.05 Kč 166,752.15 −Kč 3,749.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3706 – Kč 170,594.10
Key Currency Cheapest 24.3097 €0.00 Kč 170,167.62 −Kč 426.48
Regency FX 24.3048 €0.00 Kč 170,133.50 −Kč 460.60
TorFx 24.2975 €0.00 Kč 170,082.32 −Kč 511.78
Deutsche Bank 23.9485 €37.05 Kč 166,752.15 −Kč 3,841.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3437 – Kč 170,406.18
Key Currency Cheapest 24.2829 €0.00 Kč 169,980.16 −Kč 426.02
Regency FX 24.2780 €0.00 Kč 169,946.08 −Kč 460.10
TorFx 24.2707 €0.00 Kč 169,894.96 −Kč 511.22
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3232 – Kč 170,262.31
Key Currency Cheapest 24.2624 €0.00 Kč 169,836.65 −Kč 425.66
Regency FX 24.2575 €0.00 Kč 169,802.60 −Kč 459.71
TorFx 24.2502 €0.00 Kč 169,751.52 −Kč 510.79
Deutsche Bank 23.9150 €37.05 Kč 166,518.95 −Kč 3,743.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3232 – Kč 170,262.31
Key Currency Cheapest 24.2624 €0.00 Kč 169,836.65 −Kč 425.66
Regency FX 24.2575 €0.00 Kč 169,802.60 −Kč 459.71
TorFx 24.2502 €0.00 Kč 169,751.52 −Kč 510.79
Deutsche Bank 23.9150 €37.05 Kč 166,518.95 −Kč 3,743.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3257 – Kč 170,279.83
Key Currency Cheapest 24.2649 €0.00 Kč 169,854.13 −Kč 425.70
Regency FX 24.2600 €0.00 Kč 169,820.07 −Kč 459.76
TorFx 24.2527 €0.00 Kč 169,768.99 −Kč 510.84
Deutsche Bank 23.9106 €37.05 Kč 166,488.15 −Kč 3,791.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3296 – Kč 170,306.99
Key Currency Cheapest 24.2687 €0.00 Kč 169,881.22 −Kč 425.77
Regency FX 24.2639 €0.00 Kč 169,847.16 −Kč 459.83
TorFx 24.2566 €0.00 Kč 169,796.07 −Kč 510.92
Deutsche Bank 23.9106 €37.05 Kč 166,488.15 −Kč 3,818.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3074 – Kč 170,151.92
Key Currency Cheapest 24.2466 €0.00 Kč 169,726.54 −Kč 425.38
Regency FX 24.2418 €0.00 Kč 169,692.51 −Kč 459.41
TorFx 24.2345 €0.00 Kč 169,641.46 −Kč 510.46
Deutsche Bank 23.9034 €37.05 Kč 166,438.13 −Kč 3,713.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.2702 – Kč 169,891.52
Key Currency Cheapest 24.2095 €0.00 Kč 169,466.79 −Kč 424.73
Regency FX 24.2047 €0.00 Kč 169,432.81 −Kč 458.71
TorFx 24.1974 €0.00 Kč 169,381.84 −Kč 509.68
Deutsche Bank 23.8609 €37.05 Kč 166,142.48 −Kč 3,749.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.2846 – Kč 169,992.19
Key Currency Cheapest 24.2239 €0.00 Kč 169,567.21 −Kč 424.98
Regency FX 24.2190 €0.00 Kč 169,533.21 −Kč 458.98
TorFx 24.2117 €0.00 Kč 169,482.22 −Kč 509.97
Deutsche Bank 23.8609 €37.05 Kč 166,142.48 −Kč 3,849.71
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 24.3340 €36.23 Kč 169,456.38 –
Deutsche Bank 23.9350 €37.05 Kč 166,658.21 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3309 – Kč 170,316.53
Key Currency Cheapest 24.2701 €0.00 Kč 169,890.74 −Kč 425.79
Regency FX 24.2652 €0.00 Kč 169,856.68 −Kč 459.85
TorFx 24.2579 €0.00 Kč 169,805.58 −Kč 510.95
Deutsche Bank 23.9350 €37.05 Kč 166,658.21 −Kč 3,658.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3539 – Kč 170,477.50
Key Currency Cheapest 24.2930 €0.00 Kč 170,051.30 −Kč 426.20
Regency FX 24.2882 €0.00 Kč 170,017.21 −Kč 460.29
TorFx 24.2809 €0.00 Kč 169,966.06 −Kč 511.44
Deutsche Bank 23.9370 €37.05 Kč 166,671.89 −Kč 3,805.61
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Xe Cheapest 24.2489 €0.00 Kč 169,742.30 –
Deutsche Bank 23.9495 €37.05 Kč 166,759.11 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.3377 – Kč 170,364.03
Key Currency Cheapest 24.2769 €0.00 Kč 169,938.12 −Kč 425.91
Regency FX 24.2720 €0.00 Kč 169,904.05 −Kč 459.98
TorFx 24.2647 €0.00 Kč 169,852.94 −Kč 511.09
Deutsche Bank 23.9324 €37.05 Kč 166,640.05 −Kč 3,723.98

Exchange rateFeeRecipient getsDifference

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. 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 CZK 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 CZK on every transfer from Germany.

Right now, Key Currency pays 169,938.12 CZK on 7,000 EUR, which is 425.91 CZK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 170,868.6 CZK.

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 Czech Republic.

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

  1. Key CurrencyAppeared in 42 comparisons

    Cheapest in 98% of them

  2. Regency FXAppeared in 42 comparisons

    Never the cheapest

  3. TorFxAppeared in 56 comparisons

    Cheapest in 23% of them

  4. Deutsche BankAppeared in 69 comparisons

    Never the cheapest

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 Key Currency is the cheapest and gets you the most CZK, and it was also the cheapest in 98% of the 42 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Czech Republic.

Ways to send money from Germany to Czech Republic

There are 12 companies for sending money from Germany to Czech Republic, across broker, online, app, global account, multi-currency account, in person, and bank, 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 Wise to Czech Republic gets you 169,487.72 CZK with a €36.23 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 16 of the 29 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 paying in cash at a counter

In-person transfers

There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.

Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to Czech Republic.

For Euro transfers only

Banks

Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.

Outside the eurozone, banks like Deutsche Bank are much more expensive.

On a €7,000 transfer, Deutsche Bank delivers 166,640.05 CZK vs 169,938.12 CZK with Key Currency.

We found Deutsche Bank was the cheapest bank on 22 of the 22 days it appeared for this amount.

For large transfers from Germany

Currency brokers

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

A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/CZK which gets negotiated the more you send.

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

Our analysis shows Key Currency was the cheapest broker in 98% 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 Czech Republic.

Be it overseas suppliers and contractors, receiving CZK payments, or holding CZK 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 CZK in one account.

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

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

The best multi-currency account is Wise, it adds ~0% 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 CZK in Czech Republic

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 169,938.12 CZK.

Our data shows that Key Currency gets your recipient 3,298.07 CZK more than Deutsche Bank, today's cheapest bank, on the same €7,000.

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

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 Czech Republic.

The recipient in Czech Republic can receive CZK by bank deposit, card deposit, and cash pickup.

To receive CZK 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.

They can receive cash in Czech Republic

For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    Kč169,938

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    Kč169,487

    -Kč451

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    Kč169,487

    -Kč451

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    Kč169,241

    -Kč697

  5. 5
    Bank transfer Cash pickup

    You pay €7,009.99

    Kč167,031

    -Kč2,907

Show moreShow less
  1. 6
    Debit card Cash pickup

    You pay €7,009.99

    Kč167,031

    -Kč2,907

  2. 7
    Debit card Card deposit

    You pay €7,009.99

    Kč167,031

    -Kč2,907

  3. 8
    Credit card Cash pickup

    You pay €7,009.99

    Kč167,031

    -Kč2,907

  4. 9
    Credit card Card deposit

    You pay €7,009.99

    Kč167,031

    -Kč2,907

  5. 10
    Bank transfer Card deposit

    You pay €7,000.00

    Kč165,021

    -Kč4,917

  6. 11
    Debit card Card deposit

    You pay €7,000.00

    Kč165,021

    -Kč4,917

  7. 12
    Klarna Card deposit

    You pay €7,000.00

    Kč165,021

    -Kč4,917

Things to know before sending money from Germany to Czech Republic

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/CZK transfer options

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

Cheapest way to send money to Czech Republic

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 169,938.12 CZK, which is 0.02% more than the next best option.

Fastest way to send money to Czech Republic

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 169,123.71 CZK in same day.

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 CZK 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 12 of them on EUR to Czech Republic, 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/CZK 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.