How to send money to the UK from Germany with the best EUR-GBP rate

Xe is the best and cheapest service overall. On €7.000 you will get 5.830,30 GBP after fees and the exchange rate.

We’ve compared 13 money transfer companies in more detail below.

Best companies for EUR/GBP transfers

13 of 13 providers

Last updated on 30 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/GBP transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €34.42 1 EUR = 0.8347 GBP 0.00% vs mid-market Recipient gets £5,814.52 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€34.421 EUR = 0.8347 GBP
£5,814.52You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 0.8329 GBP +0.22% vs mid-market Recipient gets £5,830.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8329 GBP
£5,830.30You pay€7,000.00

Run a live search

Showing top Germany to United Kingdom deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.

Xe

Pay via Debit card
Fee €0.00 1 EUR = 0.8329 GBP +0.22% vs mid-market Recipient gets £5,830.30 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8329 GBP
£5,830.30You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8329 GBP +0.22% vs mid-market Recipient gets £5,830.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8329 GBP
£5,830.30You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 0.8329 GBP +0.22% vs mid-market Recipient gets £5,830.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8329 GBP
£5,830.30You pay€7,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8327 GBP +0.25% vs mid-market Recipient gets £5,828.72 Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 0.8327 GBP
£5,828.72You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8325 GBP +0.27% vs mid-market Recipient gets £5,827.55 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8325 GBP
£5,827.55You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8323 GBP +0.30% vs mid-market Recipient gets £5,825.80 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8323 GBP
£5,825.80You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €9.99 1 EUR = 0.8314 GBP +0.40% vs mid-market Recipient gets £5,819.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 0.8314 GBP
£5,819.80You pay€7,009.99
Cash pickupMinutes - 24 hours
€9.991 EUR = 0.8197 GBP
£5,737.90You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 0.7839 GBP
£5,487.30You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €9.99 1 EUR = 0.8314 GBP +0.40% vs mid-market Recipient gets £5,819.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 0.8314 GBP
£5,819.80You pay€7,009.99
Cash pickupMinutes - 24 hours
€9.991 EUR = 0.8197 GBP
£5,737.90You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 0.7839 GBP
£5,487.30You pay€7,009.99

Wise

Pay via Bank transfer
Fee €34.42 1 EUR = 0.8347 GBP 0.00% vs mid-market Recipient gets £5,814.52 Within minutes
FastestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€34.421 EUR = 0.8347 GBP
£5,814.52You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8306 GBP +0.50% vs mid-market Recipient gets £5,814.11 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8306 GBP
£5,814.11You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8303 GBP +0.54% vs mid-market Recipient gets £5,812.10 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.8303 GBP
£5,812.10You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €2.99 1 EUR = 0.8299 GBP +0.58% vs mid-market Recipient gets £5,806.80 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€2.991 EUR = 0.8299 GBP
£5,806.80You pay€7,000.00

Wise

Pay via iDEAL
Fee €44.56 1 EUR = 0.8347 GBP 0.00% vs mid-market Recipient gets £5,806.05 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€44.561 EUR = 0.8347 GBP
£5,806.05You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €30.30 1 EUR = 0.8322 GBP +0.31% vs mid-market Recipient gets £5,799.85 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€30.301 EUR = 0.8322 GBP
£5,799.85You 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.

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 0.8304 GBP +0.53% vs mid-market Recipient gets £5,781.71 Minutes - 5 days
0 reviews

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 0.8304 GBP
£5,781.71You pay€7,000.00

Wise

Pay via Debit card
Fee €89.43 1 EUR = 0.8347 GBP 0.00% vs mid-market Recipient gets £5,768.60 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€89.431 EUR = 0.8347 GBP
£5,768.60You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 0.8231 GBP +1.40% vs mid-market Recipient gets £5,761.52 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 0.8231 GBP
£5,761.52You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €79.00 1 EUR = 0.8322 GBP +0.31% vs mid-market Recipient gets £5,759.32 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€79.001 EUR = 0.8322 GBP
£5,759.32You 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.

Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €0.99 1 EUR = 0.8227 GBP +1.46% vs mid-market Recipient gets £5,757.95 Minutes - 2 days
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
€0.991 EUR = 0.8227 GBP
£5,757.95You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €9.99 1 EUR = 0.8197 GBP +1.82% vs mid-market Recipient gets £5,737.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€9.991 EUR = 0.8197 GBP
£5,737.90You pay€7,009.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€9.991 EUR = 0.7839 GBP
£5,487.30You pay€7,009.99

Wise

Pay via Credit card
Fee €131.48 1 EUR = 0.8347 GBP 0.00% vs mid-market Recipient gets £5,733.50 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€131.481 EUR = 0.8347 GBP
£5,733.50You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 0.8348 GBP Updates every 60 minutes.

How to send money from Germany to UK

Pick a company

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

Xe was the cheapest on 3 of the 30 days it quoted €7.000 transfers to the UK.

On a 7.000 EUR transfer, Xe delivers the most GBP.

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

How much EUR you send to the UK 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 Xe was the cheapest in 8% of the transfers from €7,000 it quoted, and in 9% of all the transfers it quoted.

Cheapest service
€1,0000.19%€0.00£833.60with debit card to bank deposit+£9.41
€5,0000.23%€0.00£4,167.00with debit card to bank deposit+£46.76
€7,000This page0.22%€0.00£5,830.30with debit card to bank deposit+£31.90
€25,0000.20%€0.00£20,836.32with bank transfer to bank deposit+£80.61
€50,0000.20%€0.00£41,677.28with bank transfer to bank deposit+£168.25

Mid-market rate: 1 EUR = 0.8348 GBP

EUR/GBP Exchange Rate History

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

The cheapest way to send EUR to GBP 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 Xe), across 30 days of comparisons for 7.000 EUR transfers to the UK.

GBP received for €7,000, after fees

Fri, 30 Oct 2026Mid-market rate£5,843.33 Xe £5,830.30 Deutsche Bank £5,781.71Xe£5,830.30Key Currency£5,828.72Regency FX£5,827.55Extra cost of a bank£48.59

5.700
5.750
5.800
5.850
5.900
5.950
6.000
At the mid-market rateWith the cheapest optionWith a bankXeKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8535 – £5,974.42
Key Currency Cheapest 0.8514 €0.00 £5,959.49 −£14.93
Regency FX 0.8512 €0.00 £5,958.29 −£16.13
Xe 0.8487 €0.00 £5,940.90 −£33.52
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8520 – £5,964.07
Key Currency Cheapest 0.8499 €0.00 £5,949.16 −£14.91
Regency FX 0.8497 €0.00 £5,947.97 −£16.10
Xe 0.8468 €0.00 £5,927.60 −£36.47
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8502 – £5,951.48
Key Currency Cheapest 0.8481 €0.00 £5,936.61 −£14.87
Regency FX 0.8479 €0.00 £5,935.41 −£16.07
Xe 0.8387 €0.00 £5,870.90 −£80.58
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8523 – £5,966.12
Key Currency Cheapest 0.8502 €0.00 £5,951.21 −£14.91
Regency FX 0.8500 €0.00 £5,950.01 −£16.11
Xe 0.8386 €0.00 £5,870.20 −£95.92
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8464 – £5,924.79
MoneyGram Cheapest 0.8465 €9.99 £5,925.50 +£0.71
Key Currency 0.8443 €0.00 £5,909.97 −£14.82
Regency FX 0.8441 €0.00 £5,908.79 −£16.00
Xe 0.8414 €0.00 £5,889.80 −£34.99
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8483 – £5,938.02
Key Currency Cheapest 0.8462 €0.00 £5,923.18 −£14.84
Regency FX 0.8460 €0.00 £5,921.99 −£16.03
Xe 0.8435 €0.00 £5,904.50 −£33.52
Deutsche Bank 0.8436 €37.05 £5,873.61 −£64.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8473 – £5,930.76
Key Currency Cheapest 0.8451 €0.00 £5,915.94 −£14.82
Regency FX 0.8450 €0.00 £5,914.75 −£16.01
Xe 0.8422 €0.00 £5,895.40 −£35.36
Deutsche Bank 0.8436 €37.05 £5,873.61 −£57.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8483 – £5,937.80
Key Currency Cheapest 0.8461 €0.00 £5,922.95 −£14.85
Regency FX 0.8460 €0.00 £5,921.77 −£16.03
Xe 0.8437 €0.00 £5,905.90 −£31.90
Deutsche Bank 0.8429 €37.05 £5,869.40 −£68.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8482 – £5,937.41
Key Currency Cheapest 0.8461 €0.00 £5,922.57 −£14.84
Regency FX 0.8459 €0.00 £5,921.38 −£16.03
Xe 0.8439 €0.00 £5,907.30 −£30.11
Deutsche Bank 0.8429 €37.05 £5,869.40 −£68.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8462 – £5,923.12
Key Currency Cheapest 0.8440 €0.00 £5,908.31 −£14.81
Regency FX 0.8439 €0.00 £5,907.13 −£15.99
Deutsche Bank 0.8419 €37.05 £5,862.11 −£61.01
Xe 0.8316 €0.00 £5,821.20 −£101.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8462 – £5,923.12
Key Currency Cheapest 0.8440 €0.00 £5,908.31 −£14.81
Regency FX 0.8439 €0.00 £5,907.13 −£15.99
Deutsche Bank 0.8419 €37.05 £5,862.11 −£61.01
Xe 0.8318 €0.00 £5,822.60 −£100.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8456 – £5,919.31
Key Currency Cheapest 0.8435 €0.00 £5,904.51 −£14.80
Regency FX 0.8433 €0.00 £5,903.33 −£15.98
Xe 0.8410 €0.00 £5,887.00 −£32.31
Deutsche Bank 0.8414 €37.05 £5,858.64 −£60.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8453 – £5,917.28
Key Currency Cheapest 0.8432 €0.00 £5,902.49 −£14.79
Regency FX 0.8430 €0.00 £5,901.31 −£15.97
Xe 0.8409 €0.00 £5,886.30 −£30.98
Deutsche Bank 0.8408 €37.05 £5,854.44 −£62.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8448 – £5,913.34
Key Currency Cheapest 0.8427 €0.00 £5,898.56 −£14.78
Regency FX 0.8425 €0.00 £5,897.37 −£15.97
Xe 0.8398 €0.00 £5,878.60 −£34.74
Deutsche Bank 0.8409 €37.05 £5,855.14 −£58.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8465 – £5,925.70
Key Currency Cheapest 0.8444 €0.00 £5,910.89 −£14.81
Regency FX 0.8442 €0.00 £5,909.70 −£16.00
Xe 0.8415 €0.00 £5,890.50 −£35.20
Deutsche Bank 0.8409 €37.05 £5,855.14 −£70.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8441 – £5,908.88
Key Currency Cheapest 0.8420 €0.00 £5,894.11 −£14.77
Regency FX 0.8418 €0.00 £5,892.93 −£15.95
Xe 0.8396 €0.00 £5,877.20 −£31.68
Deutsche Bank 0.8395 €37.05 £5,845.13 −£63.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8451 – £5,915.85
Key Currency Cheapest 0.8430 €0.00 £5,901.06 −£14.79
Regency FX 0.8428 €0.00 £5,899.88 −£15.97
Deutsche Bank 0.8395 €37.05 £5,845.13 −£70.72
Xe 0.8274 €0.00 £5,791.80 −£124.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8451 – £5,915.85
Key Currency Cheapest 0.8430 €0.00 £5,901.06 −£14.79
Regency FX 0.8428 €0.00 £5,899.88 −£15.97
Deutsche Bank 0.8384 €37.05 £5,837.74 −£78.11
Xe 0.8274 €0.00 £5,791.80 −£124.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8419 – £5,893.03
Key Currency Cheapest 0.8398 €0.00 £5,878.30 −£14.73
Regency FX 0.8396 €0.00 £5,877.12 −£15.91
Xe 0.8373 €0.00 £5,861.10 −£31.93
Deutsche Bank 0.8382 €37.05 £5,836.00 −£57.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8411 – £5,887.53
Key Currency Cheapest 0.8390 €0.00 £5,872.81 −£14.72
Regency FX 0.8388 €0.00 £5,871.64 −£15.89
Xe 0.8361 €0.00 £5,852.70 −£34.83
Deutsche Bank 0.8382 €37.05 £5,836.00 −£51.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8389 – £5,872.51
Key Currency Cheapest 0.8368 €0.00 £5,857.83 −£14.68
Regency FX 0.8367 €0.00 £5,856.65 −£15.86
Xe 0.8343 €0.00 £5,840.10 −£32.41
Deutsche Bank 0.8353 €37.05 £5,816.16 −£56.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8389 – £5,872.09
Key Currency Cheapest 0.8368 €0.00 £5,857.41 −£14.68
Regency FX 0.8366 €0.00 £5,856.24 −£15.85
Xe 0.8339 €0.00 £5,837.30 −£34.79
Deutsche Bank 0.8339 €37.05 £5,806.75 −£65.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8376 – £5,863.38
Key Currency Cheapest 0.8355 €0.00 £5,848.72 −£14.65
Regency FX 0.8354 €0.00 £5,847.54 −£15.84
Xe 0.8332 €0.00 £5,832.40 −£30.98
Deutsche Bank 0.8339 €37.05 £5,806.75 −£56.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8376 – £5,863.13
Key Currency Cheapest 0.8355 €0.00 £5,848.47 −£14.66
Regency FX 0.8353 €0.00 £5,847.30 −£15.83
Deutsche Bank 0.8331 €37.05 £5,800.83 −£62.30
Xe 0.8217 €0.00 £5,751.90 −£111.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8376 – £5,863.13
Key Currency Cheapest 0.8355 €0.00 £5,848.47 −£14.66
Regency FX 0.8353 €0.00 £5,847.30 −£15.83
Deutsche Bank 0.8331 €37.05 £5,800.83 −£62.30
Xe 0.8215 €0.00 £5,750.50 −£112.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8386 – £5,870.22
Key Currency Cheapest 0.8365 €0.00 £5,855.55 −£14.67
Regency FX 0.8363 €0.00 £5,854.37 −£15.85
Xe 0.8337 €0.00 £5,835.90 −£34.32
Deutsche Bank 0.8332 €37.05 £5,801.53 −£68.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8375 – £5,862.66
Xe Cheapest 0.8358 €0.00 £5,850.60 −£12.06
Key Currency 0.8354 €0.00 £5,848.00 −£14.66
Regency FX 0.8353 €0.00 £5,846.83 −£15.83
Deutsche Bank 0.8335 €37.05 £5,803.62 −£59.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8370 – £5,859.02
Xe Cheapest 0.8354 €0.00 £5,847.80 −£11.22
Key Currency 0.8349 €0.00 £5,844.37 −£14.65
Regency FX 0.8347 €0.00 £5,843.20 −£15.82
Deutsche Bank 0.8328 €37.05 £5,799.08 −£59.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8369 – £5,858.58
Key Currency Cheapest 0.8348 €0.00 £5,843.93 −£14.65
Regency FX 0.8347 €0.00 £5,842.76 −£15.82
Xe 0.8319 €0.00 £5,823.30 −£35.28
Deutsche Bank 0.8331 €37.05 £5,801.17 −£57.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.8348 – £5,843.33
Xe Cheapest 0.8329 €0.00 £5,830.30 −£13.03
Key Currency 0.8327 €0.00 £5,828.72 −£14.61
Regency FX 0.8325 €0.00 £5,827.55 −£15.78
Deutsche Bank 0.8304 €37.05 £5,781.71 −£61.62

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

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

In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.

Right now, Xe pays 5.830,30 GBP on 7.000 EUR, which is 13,03 GBP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 5.959,49 GBP.

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 UK.

We've tracked 114 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. XeAppeared in 113 comparisons

    Cheapest in 9% of them

  2. Key CurrencyAppeared in 66 comparisons

    Cheapest in 91% of them

  3. Regency FXAppeared in 66 comparisons

    Never the cheapest

  4. Deutsche BankAppeared in 104 comparisons

    Never the cheapest

Based on 114 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 Xe is the cheapest and gets you the most GBP, but it was the cheapest in only 9% of the 113 comparisons it appeared in over the past month.

Key Currency (today's second cheapest) was the cheapest in 91% of its comparisons, so if you send money to the UK regularly, it's worth comparing it with Xe before each transfer.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Germany to UK

There are 13 companies for sending money from Germany to the United Kingdom, 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 Xe to the United Kingdom gets you 5.830,30 GBP with a €0 fee and 0,22% markup.

In our comparisons over the past month, it was the cheapest online service on 3 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 100% of days in the past month.

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

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 5.781,71 GBP vs 5.830,30 GBP with Xe.

We found Deutsche Bank was the cheapest bank on 25 of the 25 days it appeared for this amount.

For large transfers from Germany

Currency brokers

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

A broker like Xe charges no fee and works on a margin. It adds 0,22% on EUR/GBP which gets negotiated the more you send.

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

Our analysis shows Xe was the cheapest broker in 8% 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 UK.

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

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

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

The best multi-currency account is Wise, it adds ~0,01% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 83% of days.

Ways to fund EUR and receive GBP in UK

With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7.000 gives your recipient 5.830,30 GBP.

Our data shows that Xe gets your recipient 48,59 GBP 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 Kingdom.

The recipient in the United Kingdom can receive GBP by bank deposit, card deposit, and cash pickup.

To receive GBP 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 Kingdom

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
    Debit card Bank deposit

    You pay €7,000.00

    £5,830

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay €7,000.00

    £5,830

    £0

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    £5,830

    £0

  4. 4
    Debit card Card deposit

    You pay €7,009.99

    £5,820

    -£11

  5. 5
    Credit card Card deposit

    You pay €7,009.99

    £5,820

    -£11

Show moreShow less
  1. 6
    iDEAL Bank deposit

    You pay €7,000.00

    £5,806

    -£24

  2. 7
    Debit card Cash pickup

    You pay €7,009.99

    £5,738

    -£92

  3. 8
    Bank transfer Cash pickup

    You pay €7,009.99

    £5,738

    -£92

  4. 9
    Credit card Cash pickup

    You pay €7,009.99

    £5,738

    -£92

Things to know before sending money from Germany to UK

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/GBP transfer options

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

Cheapest way to send money to the United Kingdom

The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 5.830,30 GBP, which is 0,03% more than the next best option.

Fastest way to send money to the United Kingdom

The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 5.814,52 GBP in within minutes.

Transfers over €50,000 may get reported

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

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

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

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

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

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

SEPA and SWIFT are different

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

A payment converted into GBP 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 13 of them on EUR to the United Kingdom, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 114 comparisons across 5 amounts.

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