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

Get the best deals on transfers from the United States to Germany. Find the cheapest, fastest, and best rated providers with the most competitive USD to EUR exchange rates.

Read on for analysis and insights on the best ways to send money to Germany from the United States.

Transferring the other way? Send EUR from Germany to United States instead.
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July 3rd, 2025
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Best money transfer companies

Send money from United States to Germany

Last updated: Today
Mid-market rate as of 07/03/2025: 1 USD = 0.84789 EUR
Results below are based on a 7000 USD search
0 of 16 providers
Sponsored
Wise
Recipient gets (EUR)
€5,912.39
Full transfer details
Visit Wise
€155 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,853.40
Full transfer details
Visit Xe
€96 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (EUR)
€5,920.39
Full transfer details
Visit Key Currency
€163 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (EUR)
€5,919.80
Full transfer details
Visit Currencyflow
€163 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (EUR)
€5,919.20
Full transfer details
Visit Regency FX
€162 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
4
Wise
Recipient gets (EUR)
€5,912.39
Full transfer details
Visit Wise
€155 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
5
Currencies Direct
Recipient gets (EUR)
€5,905.20
Full transfer details
Visit Currencies Direct
€148 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
6
CurrencyFair
Recipient gets (EUR)
€5,898.00
Full transfer details
Visit CurrencyFair
€141 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
7
OFX
Recipient gets (EUR)
€5,897.50
Full transfer details
Visit OFX
€140 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (EUR)
€5,853.40
Full transfer details
Visit Xe
€96 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
9
Remitly
Recipient gets (EUR)
€5,823.30
Full transfer details
Visit Remitly
€66 better than a typical bank*

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

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (EUR)
€5,905.59
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Barclays
    Barclays
    Recipient gets (EUR)
    €5,740.06
    Not recommended
  • HSBC
    HSBC
    Recipient gets (EUR)
    €5,734.13
    Not recommended
  • Capital One
    Capital One
    Recipient gets (EUR)
    €5,697.82
    Not recommended
  • PayPal
    PayPal
    Recipient gets (EUR)
    €5,464.21
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€5,912.39
Full transfer details
Visit Wise
€155 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,853.40
Full transfer details
Visit Xe
€96 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Our recommendation: Wise

Wise is our top choice for USD to EUR transfers.

We tested & reviewed 16 money transfer providers offering money transfers from the United States to Germany, and Wise scored highly.

Sending 7,000 USD to EUR will cost you $27.22 in fees, and you will receive 5,912.39 EUR. The delivery time usually is next day, but it depends on the day you make the transfer.

For a great mix of cost, speed & features, we recommend making your United States to Germany transfer using Wise.

Wise is the top rated company for sending money from United States (USD) to Germany (EUR) - Wise Screenshot

How to compare deals on your United States to Germany transfer

Summary of recent searches

Top rated for transfers from United States to Germany
Wise
Total number of US - DE providers
16
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe

Get the most from sending money from United States to Germany

1
Compare providers

Comparing providers offering services between the United States and Germany based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire USD-EUR market and have compared 16 providers offering services between the United States and Germany.

This ensures you will get the most comprehensive options for sending US Dollar to Germany.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific the United States to Germany transfer needs.

2
Beat the US Dollar-Euro exchange rate
3
Choose the right payment method
4
Financial regulations across United States and Germany
5
Consider minimum and maximum limits
6
Receiving money in Germany
7
Be ready with your ID
8
Tax declarations

Cheapest way to send money to Germany from the United States: Key Currency

Key Currency offers the cheapest combination of low fees and competitive exchange rates of the 16 providers we compared.

They offer a fee of 0 USD and exchange rate between USD-EUR that is 0.25% different to the mid-market rate.

In comparison, Key Currency is 0.01% cheaper than the second-best option.

To secure affordable and great rates on a USD to Germany transfer, Key Currency is our recommended choice.

Key Currency is the cheapest way to send money from United States (USD) to Germany (EUR) - Key Currency Screenshot

Fastest company to send money to Germany from the United States: Currencyflow.

We compared 16 companies for fast transfers from US Dollars to Germany and Currencyflow came out on top.

For example, if you send 7,000 USD with Currencyflow to Germany now, the transfer time is minutes - 24 hours. Smaller transfers will likely be quicker, while larger transfers to Germany can take slightly longer.

Sending money through Currencyflow to Germany from the United States has a fee of 0 USD.

To understand who was the fastest, we tested Currencyflow as part of 16 money transfer providers. Within this, we looked at the overall speed of sending money from the United States to Germany. This was made up of transfer times to Germany after US Dollars were added to a money transfer account.

When fast money transfers between the United States and Germany are a priority, Currencyflow is our recommended choice.

Currencyflow is the fastest way to send money from United States (USD) to Germany (EUR) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Germany from the United States needs a strong exchange rate and effective transfer management.

From the
16 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Germany from the United States.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Euros to Euro.

As such, we recommend Currencies Direct for large Germany transfers.

Understanding the costs involved when transferring money from United States to Germany

When calculating the costs of money transfers between United States and Germany, opt for the best combination of fees and exchange rates:

The Mid-Market and Exchange Rates: Today, the USD-EUR mid-market rate equals 0.851 EUR per US Dollar.

  • For reference, the USD-EUR average mid-market rate for the past 7 days has been 0.8514 EUR per US Dollar, with a high of 0.8548 and a low of 0.8479.

  • The company offering the best exchange rate is Wise.

  • Often the USD-EUR exchange rate you receive is the bigger factor than how much it costs to send US Dollars to Germany.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Key Currency, cahrging 0 USD per transfer. We would recommend searching for your exact send amount to get an idea of fees.

Amount Received: The amount received in Euro is the biggest indicator the total cost of sending money from the United States to Germany. Essentially, the more the recipient receives in Germany, the less it is costing to send from the United States.

Finding the best exchange rate for US Dollar to Euro

Timing is essential for sending money between USD and EUR. The exchange rate you secure impacts how much EUR you get for your USD.

Mid-market Rate
1 
=
0.851010 
EUR

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to EUR averaged 0.8514 EUR.

  • The highest value recorded was 0.8548 EUR, while the lowest was 0.8479 EUR.

  • There are currently 16 providers offering transfers between the United States and Germany close to this rate

Want to secure the best USD-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from United States to Germany!

United States to
Germany money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the United States to Germany.

    A money transfer company like Key Currency offer bank transfers between the United States and Germany with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Key Currency is the cheapest provider for bank transfers of the 16 we tested when sending USD to Germany.

    Key Currency has a fee of 0 USD for money transfersfrom the United States to Germany. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to Germany with a debit or a prepaid card is very simple with Xe.


    Xe is a leader in debit card payments for transfers from the United States to Germany, competing among a total of 16 active money transfer companies on this route.

  • Credit cards


    We recommend avoiding credit cards where possible due to a lack of support and high fees.

    If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Germany and United States.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from United States to Germany.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD to EUR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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How long does it take to send money from United States to Germany?
What is the best exchange rate I can get for sending money from United States to Germany?
Are there any minimum or maximum transfer amounts for sending money from United States to Germany?
Can I schedule regular transfers between United States and Germany?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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