Key Currency is the best and cheapest service overall. On €7,000 you will get 8,119.94 USD after fees and the exchange rate.
We’ve compared 12 money transfer companies in more detail below.
| 12 of 12 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/USD exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/USD transfersAll money transfer offers for EUR/USD transfers, sorted by most USD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1628 USD 0.00% vs mid-market | Recipient gets $8,100.09 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1628 USD $8,100.09You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1496 USD +1.15% vs mid-market | Recipient gets $8,047.20 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1496 USD $8,047.20You 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. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to USD rates. | |||
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much EUR you're planning to spend in United States. | |||
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. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.1600 USD +0.25% vs mid-market | Recipient gets $8,119.94 Minutes - 3 days | |
Ways to receive money in US with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.1600 USD $8,119.94You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1598 USD +0.27% vs mid-market | Recipient gets $8,118.31 Minutes - 24 hours | |
Ways to receive money in US with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1598 USD $8,118.31You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.1594 USD +0.30% vs mid-market | Recipient gets $8,115.87 Minutes - 24 hours | |
Ways to receive money in US with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1594 USD $8,115.87You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €34.28 1 EUR = 1.1628 USD 0.00% vs mid-market | Recipient gets $8,100.09 Same day | |
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1628 USD $8,100.09You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.1571 USD +0.50% vs mid-market | Recipient gets $8,099.70 Minutes - 24 hours | |
Ways to receive money in US with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1571 USD $8,099.70You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.1571 USD +0.50% vs mid-market | Recipient gets $8,099.59 Minutes - 24 hours | |
Ways to receive money in US with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1571 USD $8,099.59You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.44 1 EUR = 1.1562 USD +0.58% vs mid-market | Recipient gets $8,089.40 Minutes - 24 hours | |
Ways to receive money in US with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.441 EUR = 1.1562 USD $8,089.40You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €44.42 1 EUR = 1.1628 USD 0.00% vs mid-market | Recipient gets $8,088.30 Same day | |
Ways to receive money in US with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €44.421 EUR = 1.1628 USD $8,088.30You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 1.1603 USD +0.22% vs mid-market | Recipient gets $8,074.79 Within a week | |
Ways to receive money in US with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week €40.501 EUR = 1.1603 USD $8,074.79You 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. | |||
 Deutsche Bank Pay via Bank transfer | Fee €37.05 1 EUR = 1.1596 USD +0.28% vs mid-market | Recipient gets $8,074.53 Minutes - 5 days | |
Ways to receive money in US with Deutsche Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days €37.051 EUR = 1.1596 USD $8,074.53You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 1.1520 USD +0.94% vs mid-market | Recipient gets $8,064.00 Minutes | |
Ways to receive money in US with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 1.1520 USD $8,064.00You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.1496 USD +1.15% vs mid-market | Recipient gets $8,047.20 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1496 USD $8,047.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.1496 USD +1.15% vs mid-market | Recipient gets $8,047.20 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1496 USD $8,047.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.1496 USD +1.15% vs mid-market | Recipient gets $8,047.20 Minutes - 24 hours | |
Ways to receive money in US with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.1496 USD $8,047.20You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €89.31 1 EUR = 1.1628 USD 0.00% vs mid-market | Recipient gets $8,036.10 Same day | |
Ways to receive money in US with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €89.311 EUR = 1.1628 USD $8,036.10You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.1466 USD +1.40% vs mid-market | Recipient gets $8,026.33 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 = 1.1466 USD $8,026.33You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €131.35 1 EUR = 1.1628 USD 0.00% vs mid-market | Recipient gets $7,987.21 Same day | |
Ways to receive money in US with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €131.351 EUR = 1.1628 USD $7,987.21You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.162899 USD Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
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.
You have 4 ways to pay, including bank transfer, debit card, 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 12 companies for sending money from Germany to United States, across broker, app, online, multi-currency account, global account, and bank, 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 Wise to United States gets you 8,100.09 USD with a €34.28 fee and 0.01% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For Euro transfers only
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 8,074.53 USD vs 8,119.94 USD with Key Currency.
For large transfers from Germany
For buying property, moving to 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.
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 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
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 Wise, it adds ~0.01% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 8,119.94 USD.
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 United States.
The recipient in United States can receive USD by bank deposit.
To receive USD 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.
You pay €7,000.00
$8,120
Cheapest
You pay €7,000.00
$8,088
-$32
You pay €7,000.00
$8,064
-$56
You pay €7,000.00
$8,047
-$73
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 United States, these are the best options:
Cheapest way to send money to United States
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 8,119.94 USD, which is 0.02% more than the next best option.
Fastest way to send money to United States
The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 8,064 USD in minutes.
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 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.
The EUR/USD rate can move noticeably within a week, changing the amount your recipient gets in USD.
Mid-market rate:1 EUR = 1.162381 USD
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 United States, 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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