Xe is the best and cheapest service overall. On €7,000 you will get 61,119.1 GTQ after fees and the exchange rate.
We’ve compared 8 money transfer companies in more detail below.
| 8 of 8 providers Last updated on 26 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/GTQ transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €235.91 1 EUR = 8.6999 GTQ +0.02% vs mid-market | Recipient gets Q 58,847.18 Within a week | |
Ways to receive money in Guatemala with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €235.911 EUR = 8.6999 GTQ Q 58,847.18You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 8.7313 GTQ -0.34% vs mid-market | Recipient gets Q 61,119.10 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 8.7313 GTQ Q 61,119.10You pay€7,000.00 | |||
Run a live search Showing top Germany to Guatemala 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 GTQ rates. | |||
Run a live search These companies offer multi-currency accounts for spending GTQ. We suggest doing a live search based on how much EUR you're planning to spend in Guatemala. | |||
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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 8.7313 GTQ -0.34% vs mid-market | Recipient gets Q 61,119.10 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 8.7313 GTQ Q 61,119.10You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 8.7313 GTQ -0.34% vs mid-market | Recipient gets Q 61,119.10 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 8.7313 GTQ Q 61,119.10You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 8.7313 GTQ -0.34% vs mid-market | Recipient gets Q 61,119.10 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 8.7313 GTQ Q 61,119.10You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 8.6784 GTQ +0.27% vs mid-market | Recipient gets Q 60,748.48 Minutes - 24 hours | |
Ways to receive money in Guatemala with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 8.6784 GTQ Q 60,748.48You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 8.6200 GTQ +0.95% vs mid-market | Recipient gets Q 60,340.00 Minutes | |
Ways to receive money in Guatemala with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutesAvailable via:Banco Industrial (Solo retiro en efectivo), Banrural (Solo retiro en efectivo) Free1 EUR = 8.6200 GTQ Q 60,340.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Tigo Free1 EUR = 8.6200 GTQ Q 60,340.00You pay€7,000.00 Bank depositMinutes €0.891 EUR = 8.6200 GTQ Q 60,340.00You pay€7,000.89 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee €0.00 1 EUR = 8.6108 GTQ +1.05% vs mid-market | Recipient gets Q 60,275.74 Minutes - 3 days | |
Ways to receive money in Guatemala with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 8.6108 GTQ Q 60,275.74You pay€7,000.00 Cash pickupMinutes - 3 days Free1 EUR = 8.5673 GTQ Q 59,971.31You pay€7,000.00 Card depositMinutes - 3 days Free1 EUR = 8.4962 GTQ Q 59,473.26You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €2.99 1 EUR = 8.5438 GTQ +1.83% vs mid-market | Recipient gets Q 59,781.33 Minutes - 2 days | |
Ways to receive money in Guatemala with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €2.991 EUR = 8.5438 GTQ Q 59,781.33You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 8.5161 GTQ Q 59,612.84You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 8.5236 GTQ +2.07% vs mid-market | Recipient gets Q 59,665.20 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 8.5236 GTQ Q 59,665.20You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:Banrural, Banco Azteca, Banco Promerica, All Banks €9.991 EUR = 8.3826 GTQ Q 58,678.20You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 8.5236 GTQ +2.07% vs mid-market | Recipient gets Q 59,665.20 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 8.5236 GTQ Q 59,665.20You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:Banrural, Banco Azteca, Banco Promerica, All Banks €9.991 EUR = 8.3826 GTQ Q 58,678.20You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 8.5236 GTQ +2.07% vs mid-market | Recipient gets Q 59,665.20 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 8.5236 GTQ Q 59,665.20You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:Banrural, All Banks, Banco Promerica, Banco Azteca €9.991 EUR = 8.3826 GTQ Q 58,678.20You pay€7,009.99 | |||
| Wise Pay via Bank transfer | Fee €235.91 1 EUR = 8.6999 GTQ +0.02% vs mid-market | Recipient gets Q 58,847.18 Within a week | |
Ways to receive money in Guatemala with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €235.911 EUR = 8.6999 GTQ Q 58,847.18You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €245.49 1 EUR = 8.6999 GTQ +0.02% vs mid-market | Recipient gets Q 58,763.83 Within a week | |
Ways to receive money in Guatemala with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €245.491 EUR = 8.6999 GTQ Q 58,763.83You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €205.00 1 EUR = 8.6338 GTQ +0.79% vs mid-market | Recipient gets Q 58,666.73 Next day | |
Ways to receive money in Guatemala with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext day €205.001 EUR = 8.6338 GTQ Q 58,666.73You 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 Debit card | Fee €287.86 1 EUR = 8.6999 GTQ +0.02% vs mid-market | Recipient gets Q 58,395.22 Within a week | |
Ways to receive money in Guatemala with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €287.861 EUR = 8.6999 GTQ Q 58,395.22You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €261.00 1 EUR = 8.6338 GTQ +0.79% vs mid-market | Recipient gets Q 58,183.24 Within minutes | |
Ways to receive money in Guatemala with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €261.001 EUR = 8.6338 GTQ Q 58,183.24You 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 €327.57 1 EUR = 8.6999 GTQ +0.02% vs mid-market | Recipient gets Q 58,049.74 Within a week | |
Ways to receive money in Guatemala with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT €327.571 EUR = 8.6999 GTQ Q 58,049.74You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 8.7018 GTQ Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most GTQ.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/GTQ rate.
You have 4 ways to pay, including debit card, bank transfer, credit card, and ideal.
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.
There are 8 companies for sending money from Germany to Guatemala, across app, online, broker, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to Guatemala gets you 61,119.1 GTQ with a €0 fee and -0.34% markup.
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
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.
In general, online transfers are cheaper than sending cash to Guatemala.
For large transfers from Germany
For buying property, moving to Guatemala, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -0.34% on EUR/GTQ which gets negotiated the more you send.
And you get an account manager to help you through the process.
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 are for businesses making payments to Guatemala.
Be it overseas suppliers and contractors, receiving GTQ payments, or holding GTQ and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and GTQ in one account.
You get GTQ bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert GTQ to EUR or EUR to GTQ whenever you need.
The best multi currency account is Wise, it adds ~0.02% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 61,119.1 GTQ.
You can pay for the transfer using debit card, bank transfer, credit card, and ideal.
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 Guatemala.
The recipient in Guatemala can receive GTQ by bank deposit, cash pickup, card deposit, and mobile money.
To receive GTQ by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in Guatemala
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
Q61,119
Cheapest
You pay €7,000.00
Q61,119
Q0
You pay €7,000.00
Q61,119
Q0
You pay €7,000.00
Q60,340
-Q779
You pay €7,000.00
Q60,340
-Q779
You pay €7,009.99
Q59,665
-Q1,454
You pay €7,009.99
Q59,665
-Q1,454
You pay €7,000.00
Q59,613
-Q1,506
You pay €7,000.00
Q58,764
-Q2,355
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.
For a €7,000 transfer to Guatemala, these are the best options:
Cheapest way to send money to Guatemala
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 61,119.1 GTQ, which is 0.61% more than the next best option.
Fastest way to send money to Guatemala
The fastest option is TapTap Send. Pay by debit card and choose cash pickup for the payout. Your recipient gets 60,340 GTQ in minuten.
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.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into GTQ 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.
The EUR/GTQ rate can move noticeably within a week, changing the amount your recipient gets in GTQ.
Mid-market rate:1 EUR = 8.701849 GTQ
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 8 of them on EUR to Guatemala, comparing rates, fees and the pay-in and payout options.
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.
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