How to send money to the US from Germany with the best EUR-USD rate

Key Currency is the best and cheapest service overall. On €7.000 you will get 7.840,23 USD after fees and the exchange rate.

We’ve compared 14 money transfer companies in more detail below.

Best companies for EUR/USD transfers

14 of 14 providers

Last updated on 10 November 2026

Based on 7,000 EUR transfer

Best companies for EUR/USD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €34.28 1 EUR = 1.1227 USD +0.01% vs mid-market Recipient gets $7,820.76 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€34.281 EUR = 1.1227 USD
$7,820.76You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 1.1167 USD +0.55% vs mid-market Recipient gets $7,816.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1167 USD
$7,816.90You pay€7,000.00

Run a live search

Showing top Germany to United States 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 = 1.1200 USD +0.25% vs mid-market Recipient gets $7,840.23 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 1.1200 USD
$7,840.23You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1198 USD +0.27% vs mid-market Recipient gets $7,838.66 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1198 USD
$7,838.66You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1195 USD +0.30% vs mid-market Recipient gets $7,836.30 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1195 USD
$7,836.30You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1173 USD +0.49% vs mid-market Recipient gets $7,821.10 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in US with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1173 USD
$7,821.10You pay€7,000.00

Wise

Pay via Bank transfer
Fee €34.28 1 EUR = 1.1227 USD +0.01% vs mid-market Recipient gets $7,820.76 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€34.281 EUR = 1.1227 USD
$7,820.76You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1172 USD +0.50% vs mid-market Recipient gets $7,820.58 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1172 USD
$7,820.58You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 1.1167 USD +0.55% vs mid-market Recipient gets $7,816.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1167 USD
$7,816.90You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1167 USD +0.55% vs mid-market Recipient gets $7,816.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1167 USD
$7,816.90You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 1.1167 USD +0.55% vs mid-market Recipient gets $7,816.90 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 1.1167 USD
$7,816.90You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €3.56 1 EUR = 1.1164 USD +0.58% vs mid-market Recipient gets $7,810.80 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€3.561 EUR = 1.1164 USD
$7,810.80You pay€7,000.00

Wise

Pay via iDEAL
Fee €44.42 1 EUR = 1.1227 USD +0.01% vs mid-market Recipient gets $7,809.38 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€44.421 EUR = 1.1227 USD
$7,809.38You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €30.50 1 EUR = 1.1195 USD +0.30% vs mid-market Recipient gets $7,802.34 Next day
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositNext day
€30.501 EUR = 1.1195 USD
$7,802.34You 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 €89.31 1 EUR = 1.1227 USD +0.01% vs mid-market Recipient gets $7,758.98 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€89.311 EUR = 1.1227 USD
$7,758.98You pay€7,000.00

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 1.1080 USD +1.33% vs mid-market Recipient gets $7,756.00 Minutes
Fastest
Receive to bank account

Ways to receive money in US with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 EUR = 1.1080 USD
$7,756.00You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 1.1071 USD +1.40% vs mid-market Recipient gets $7,749.84 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 1.1071 USD
$7,749.84You pay€7,000.00

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 1.1109 USD +1.07% vs mid-market Recipient gets $7,735.12 Minutes - 5 days
0 reviews

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 1.1109 USD
$7,735.12You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €9.99 1 EUR = 1.1035 USD +1.74% vs mid-market Recipient gets $7,724.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
USDCMinutes - 24 hoursAvailable via:USDC Wallet
€9.991 EUR = 1.1035 USD
$7,724.50You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99

Wise

Pay via Credit card
Fee €131.35 1 EUR = 1.1227 USD +0.01% vs mid-market Recipient gets $7,711.78 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€131.351 EUR = 1.1227 USD
$7,711.78You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €1.99 1 EUR = 1.0980 USD +2.23% vs mid-market Recipient gets $7,684.09 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in US with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
€1.991 EUR = 1.0980 USD
$7,684.09You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €3.99 1 EUR = 1.0968 USD +2.35% vs mid-market Recipient gets $7,677.60 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €3.99 1 EUR = 1.0968 USD +2.35% vs mid-market Recipient gets $7,677.60 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 1.0968 USD
$7,677.60You pay€7,003.99
How Our Results Work
Mid-market rate: 1 EUR = 1.1228 USD Updates every 60 minutes.

How to send money from Germany to US

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 22 of the 29 days it quoted €7.000 transfers to the US.

On a 7.000 EUR transfer, Key Currency delivers the most USD.

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

Fund your transfer

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

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 US?

How much EUR you send to the US 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 74% of the transfers from €7,000 it quoted, and in 74% of all the transfers it quoted.

Cheapest service
€1,0000.22%€0.00$1,120.10with debit card to bank deposit+$12.63
€5,0000.15%€0.00$5,604.50with debit card to bank deposit+$63.57
€7,000This page0.25%€0.00$7,840.23with bank transfer to bank deposit+$62.78
€25,0000.15%€0.00$28,022.50with debit card to bank deposit+$177.11
€50,0000.14%€0.00$56,055.00with bank transfer to bank deposit+$347.00

Mid-market rate: 1 EUR = 1.1228 USD

EUR/USD Exchange Rate History

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

The cheapest way to send EUR to USD 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 the US.

USD received for €7,000, after fees

Tue, 10 Nov 2026Mid-market rate$7,859.88 Key Currency $7,840.23 Deutsche Bank $7,735.12Key Currency$7,840.23Regency FX$7,838.66TorFx$7,836.30Extra cost of a bank$105.11

7.700
7.750
7.800
7.850
7.900
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1208 – $7,845.86
Key Currency Cheapest 1.1180 €0.00 $7,826.24 −$19.62
Regency FX 1.1178 €0.00 $7,824.68 −$21.18
TorFx 1.1175 €0.00 $7,822.32 −$23.54
Deutsche Bank 1.1146 €37.05 $7,760.89 −$84.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1183 – $7,828.40
TapTap Send Cheapest 1.1160 €0.00 $7,812.00 −$16.40
Key Currency 1.1155 €0.00 $7,808.83 −$19.57
Regency FX 1.1153 €0.00 $7,807.26 −$21.14
TorFx 1.1150 €0.00 $7,804.92 −$23.48
Deutsche Bank 1.1106 €37.05 $7,733.40 −$95.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1205 – $7,843.66
Key Currency Cheapest 1.1177 €0.00 $7,824.05 −$19.61
Regency FX 1.1175 €0.00 $7,822.48 −$21.18
TorFx 1.1172 €0.00 $7,820.13 −$23.53
Deutsche Bank 1.1148 €37.05 $7,762.28 −$81.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1208 – $7,845.68
Key Currency Cheapest 1.1180 €0.00 $7,826.07 −$19.61
Regency FX 1.1178 €0.00 $7,824.50 −$21.18
TorFx 1.1174 €0.00 $7,822.15 −$23.53
Deutsche Bank 1.1148 €37.05 $7,762.28 −$83.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1238 – $7,866.76
Key Currency Cheapest 1.1210 €0.00 $7,847.09 −$19.67
Regency FX 1.1208 €0.00 $7,845.52 −$21.24
TorFx 1.1205 €0.00 $7,843.16 −$23.60
Deutsche Bank 1.1094 €37.05 $7,724.49 −$142.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1237 – $7,866.02
Key Currency Cheapest 1.1209 €0.00 $7,846.35 −$19.67
Regency FX 1.1207 €0.00 $7,844.78 −$21.24
TorFx 1.1203 €0.00 $7,842.42 −$23.60
Deutsche Bank 1.1181 €37.05 $7,785.27 −$80.75
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Paysend Cheapest 1.1196 €0.00 $7,837.13 –
Deutsche Bank 1.1181 €37.05 $7,785.27 –
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 1.1223 – $7,856.33
Key Currency Cheapest 1.1195 €0.00 $7,836.69 −$19.64
Regency FX 1.1193 €0.00 $7,835.12 −$21.21
TorFx 1.1190 €0.00 $7,832.76 −$23.57
Deutsche Bank 1.1177 €37.05 $7,782.50 −$73.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1227 – $7,859.17
Key Currency Cheapest 1.1199 €0.00 $7,839.52 −$19.65
Regency FX 1.1197 €0.00 $7,837.95 −$21.22
TorFx 1.1194 €0.00 $7,835.59 −$23.58
Deutsche Bank 1.1177 €37.05 $7,782.50 −$76.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1220 – $7,854.22
Key Currency Cheapest 1.1192 €0.00 $7,834.59 −$19.63
Regency FX 1.1190 €0.00 $7,833.02 −$21.20
TorFx 1.1187 €0.00 $7,830.66 −$23.56
Deutsche Bank 1.1179 €37.05 $7,783.88 −$70.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1245 – $7,871.80
Key Currency Cheapest 1.1217 €0.00 $7,852.12 −$19.68
Regency FX 1.1215 €0.00 $7,850.55 −$21.25
TorFx 1.1212 €0.00 $7,848.19 −$23.61
Deutsche Bank 1.1168 €37.05 $7,775.88 −$95.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1211 – $7,847.88
Key Currency Cheapest 1.1183 €0.00 $7,828.26 −$19.62
Regency FX 1.1181 €0.00 $7,826.69 −$21.19
TorFx 1.1178 €0.00 $7,824.34 −$23.54
Deutsche Bank 1.1160 €37.05 $7,770.31 −$77.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1202 – $7,841.64
Key Currency Cheapest 1.1174 €0.00 $7,822.03 −$19.61
Regency FX 1.1172 €0.00 $7,820.47 −$21.17
TorFx 1.1169 €0.00 $7,818.11 −$23.53
Deutsche Bank 1.1148 €37.05 $7,762.30 −$79.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1202 – $7,841.64
Key Currency Cheapest 1.1174 €0.00 $7,822.03 −$19.61
Regency FX 1.1172 €0.00 $7,820.47 −$21.17
TorFx 1.1169 €0.00 $7,818.11 −$23.53
Deutsche Bank 1.1148 €37.05 $7,762.30 −$79.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1216 – $7,850.88
Key Currency Cheapest 1.1188 €0.00 $7,831.25 −$19.63
Regency FX 1.1185 €0.00 $7,829.68 −$21.20
TorFx 1.1182 €0.00 $7,827.33 −$23.55
Deutsche Bank 1.1149 €37.05 $7,762.99 −$87.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1158 – $7,810.67
TapTap Send Cheapest 1.1150 €0.00 $7,805.00 −$5.67
Key Currency 1.1130 €0.00 $7,791.14 −$19.53
Regency FX 1.1128 €0.00 $7,789.58 −$21.09
TorFx 1.1125 €0.00 $7,787.24 −$23.43
Deutsche Bank 1.1129 €37.05 $7,748.72 −$61.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1116 – $7,781.15
TapTap Send Cheapest 1.1090 €0.00 $7,763.00 −$18.15
Key Currency 1.1088 €0.00 $7,761.70 −$19.45
Regency FX 1.1086 €0.00 $7,760.14 −$21.01
TorFx 1.1083 €0.00 $7,757.81 −$23.34
Deutsche Bank 1.1087 €37.05 $7,719.82 −$61.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1139 – $7,797.53
Key Currency Cheapest 1.1111 €0.00 $7,778.04 −$19.49
Regency FX 1.1109 €0.00 $7,776.48 −$21.05
TorFx 1.1106 €0.00 $7,774.14 −$23.39
Deutsche Bank 1.1097 €37.05 $7,726.79 −$70.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1178 – $7,824.77
Xe Cheapest 1.1158 €0.00 $7,810.60 −$14.17
Key Currency 1.1150 €0.00 $7,805.21 −$19.56
Regency FX 1.1148 €0.00 $7,803.64 −$21.13
TorFx 1.1145 €0.00 $7,801.29 −$23.48
Deutsche Bank 1.1114 €37.05 $7,738.62 −$86.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1206 – $7,843.98
Key Currency Cheapest 1.1178 €0.00 $7,824.37 −$19.61
Regency FX 1.1175 €0.00 $7,822.80 −$21.18
TorFx 1.1172 €0.00 $7,820.45 −$23.53
Deutsche Bank 1.1106 €37.05 $7,733.05 −$110.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1206 – $7,843.98
Key Currency Cheapest 1.1178 €0.00 $7,824.37 −$19.61
Regency FX 1.1175 €0.00 $7,822.80 −$21.18
TorFx 1.1172 €0.00 $7,820.45 −$23.53
Deutsche Bank 1.1106 €37.05 $7,733.05 −$110.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1188 – $7,831.29
Xe Cheapest 1.1166 €0.00 $7,816.20 −$15.09
Key Currency 1.1160 €0.00 $7,811.71 −$19.58
Regency FX 1.1157 €0.00 $7,810.15 −$21.14
TorFx 1.1154 €0.00 $7,807.80 −$23.49
Deutsche Bank 1.1105 €37.05 $7,732.01 −$99.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1189 – $7,832.08
Key Currency Cheapest 1.1161 €0.00 $7,812.50 −$19.58
Regency FX 1.1158 €0.00 $7,810.94 −$21.14
TorFx 1.1155 €0.00 $7,808.59 −$23.49
Deutsche Bank 1.1151 €37.05 $7,764.39 −$67.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1231 – $7,861.64
Xe Cheapest 1.1214 €0.00 $7,849.80 −$11.84
Key Currency 1.1203 €0.00 $7,841.98 −$19.66
Regency FX 1.1201 €0.00 $7,840.41 −$21.23
TorFx 1.1197 €0.00 $7,838.05 −$23.59
Deutsche Bank 1.1151 €37.05 $7,764.39 −$97.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1266 – $7,885.99
Key Currency Cheapest 1.1238 €0.00 $7,866.28 −$19.71
Regency FX 1.1235 €0.00 $7,864.70 −$21.29
TorFx 1.1232 €0.00 $7,862.33 −$23.66
Deutsche Bank 1.1167 €37.05 $7,775.53 −$110.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1186 – $7,830.41
TapTap Send Cheapest 1.1170 €0.00 $7,819.00 −$11.41
Key Currency 1.1158 €0.00 $7,810.83 −$19.58
Regency FX 1.1156 €0.00 $7,809.27 −$21.14
TorFx 1.1153 €0.00 $7,806.92 −$23.49
Deutsche Bank 1.1173 €37.05 $7,779.71 −$50.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1151 – $7,805.50
Key Currency Cheapest 1.1123 €0.00 $7,785.98 −$19.52
Regency FX 1.1121 €0.00 $7,784.42 −$21.08
TorFx 1.1117 €0.00 $7,782.08 −$23.42
Deutsche Bank 1.1103 €37.05 $7,730.96 −$74.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1151 – $7,805.50
Key Currency Cheapest 1.1123 €0.00 $7,785.98 −$19.52
Regency FX 1.1121 €0.00 $7,784.42 −$21.08
TorFx 1.1117 €0.00 $7,782.08 −$23.42
Deutsche Bank 1.1103 €37.05 $7,730.96 −$74.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1165 – $7,815.47
Key Currency Cheapest 1.1137 €0.00 $7,795.93 −$19.53
Regency FX 1.1135 €0.00 $7,794.36 −$21.11
TorFx 1.1131 €0.00 $7,792.02 −$23.44
Deutsche Bank 1.1109 €37.05 $7,735.12 −$80.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1228 – $7,859.88
Key Currency Cheapest 1.1200 €0.00 $7,840.23 −$19.65
Regency FX 1.1198 €0.00 $7,838.66 −$21.22
TorFx 1.1195 €0.00 $7,836.30 −$23.58
Deutsche Bank 1.1109 €37.05 $7,735.12 −$124.76

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 USD 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 USD on every transfer from Germany.

Right now, Key Currency pays 7.840,23 USD on 7.000 EUR, which is 19,65 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7.866,28 USD.

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 the US.

We've tracked 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 87 comparisons

    Cheapest in 74% of them

  2. Regency FXAppeared in 87 comparisons

    Never the cheapest

  3. TorFxAppeared in 116 comparisons

    Cheapest in 18% of them

  4. Deutsche BankAppeared in 147 comparisons

    Never the cheapest

Based on 147 comparisons across 5 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 USD, and it was also the cheapest in 74% of the 87 comparisons it appeared in over the past month.

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

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 the US.

Ways to send money from Germany to US

There are 14 companies for sending money from Germany to the United States, across currency broker, app, online, multi-currency account, global business 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 the United States gets you 7.820,76 USD with a €34,28 fee and 0,01% markup.

In our comparisons over the past month, it was the cheapest online service on 13 of the 30 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 97% of days in the past month.

In general, online transfers are cheaper than sending cash to the US.

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 7.735,12 USD vs 7.840,23 USD with Key Currency.

We found Deutsche Bank was the cheapest bank on 30 of the 30 days it appeared for this amount.

For large transfers from Germany

Currency brokers

For buying property, moving to the US, 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/USD 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 82% 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 the US.

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

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

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

The best multi-currency account is Currencies Direct, it adds ~0,49% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 38% of days.

Ways to fund EUR and receive USD in US

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7.000 gives your recipient 7.840,23 USD.

Our data shows that Key Currency gets your recipient 105,11 USD 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, 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 the United States.

The recipient in the United States can receive USD by bank deposit, USDC, and cash pickup.

To receive USD 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 the United States

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

    $7,840

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    $7,817

    -$23

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    $7,817

    -$23

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    $7,809

    -$31

  5. 5
    Bank transfer USDC

    You pay €7,009.99

    $7,725

    -$116

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay €7,003.99

    $7,678

    -$163

  2. 7
    Debit card Cash pickup

    You pay €7,003.99

    $7,678

    -$163

  3. 8
    Credit card Cash pickup

    You pay €7,003.99

    $7,678

    -$163

Things to know before sending money from Germany to US

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/USD transfer options

For a €7.000 transfer to the United States, these are the best options:

Cheapest way to send money to the United States

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 7.840,23 USD, which is 0,02% more than the next best option.

Fastest way to send money to the United States

The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 7.756 USD in 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 USD 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 14 of them on EUR to the United States, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 147 comparisons across 5 amounts.

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