Best companies for EUR/USD transfers
13 of 13 providers Last updated on 28 October 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 = 1.1116 USD 0.00% vs mid-market	Recipient gets $7,743.09 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1116 USD $7,743.09You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 1.1053 USD +0.57% vs mid-market	Recipient gets $7,737.10 Minutes - 24 hours
4 reviews 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 = 1.1053 USD $7,737.10You 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.
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 1.1090 USD +0.23% vs mid-market	Recipient gets $7,763.00 Minutes
0 reviews CheapestFastest 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 = 1.1090 USD $7,763.00You pay€7,000.00
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee €0.00 1 EUR = 1.1088 USD +0.25% vs mid-market	Recipient gets $7,761.70 Minutes - 3 days
4 reviews 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 = 1.1088 USD $7,761.70You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 1.1086 USD +0.27% vs mid-market	Recipient gets $7,760.14 Minutes - 24 hours
9 reviews 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 = 1.1086 USD $7,760.14You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 1.1083 USD +0.30% vs mid-market	Recipient gets $7,757.81 Minutes - 24 hours
2 reviews 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 = 1.1083 USD $7,757.81You pay€7,000.00
Currencies Direct Pay via Bank transfer	Fee €0.00 1 EUR = 1.1062 USD +0.49% vs mid-market	Recipient gets $7,743.40 Minutes - 24 hours
3 reviews 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 = 1.1062 USD $7,743.40You pay€7,000.00
Wise Pay via Bank transfer	Fee €34.28 1 EUR = 1.1116 USD 0.00% vs mid-market	Recipient gets $7,743.09 Same day
25 reviews Recommended 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 depositSame dayAvailable via:Bank Transfer €34.281 EUR = 1.1116 USD $7,743.09You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 1.1060 USD +0.50% vs mid-market	Recipient gets $7,742.25 Minutes - 24 hours
7 reviews 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 = 1.1060 USD $7,742.25You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 1.1053 USD +0.57% vs mid-market	Recipient gets $7,737.10 Minutes - 24 hours
4 reviews 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 = 1.1053 USD $7,737.10You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 1.1053 USD +0.57% vs mid-market	Recipient gets $7,737.10 Minutes - 24 hours
4 reviews 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 = 1.1053 USD $7,737.10You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 1.1053 USD +0.57% vs mid-market	Recipient gets $7,737.10 Minutes - 24 hours
4 reviews 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 = 1.1053 USD $7,737.10You pay€7,000.00
CurrencyFair Pay via Bank transfer	Fee €3.60 1 EUR = 1.1054 USD +0.56% vs mid-market	Recipient gets $7,733.80 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in US with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.601 EUR = 1.1054 USD $7,733.80You pay€7,000.00
Wise Pay via iDEAL	Fee €44.42 1 EUR = 1.1116 USD 0.00% vs mid-market	Recipient gets $7,731.82 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer €44.421 EUR = 1.1116 USD $7,731.82You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €30.50 1 EUR = 1.1083 USD +0.30% vs mid-market	Recipient gets $7,724.48 Same day
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in US with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €30.501 EUR = 1.1083 USD $7,724.48You 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 = 1.1087 USD +0.26% vs mid-market	Recipient gets $7,719.82 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 = 1.1087 USD $7,719.82You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €9.99 1 EUR = 1.0987 USD +1.17% vs mid-market	Recipient gets $7,690.90 Minutes - 24 hours
2 reviews
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 = 1.0987 USD $7,690.90You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €3.991 EUR = 1.0920 USD $7,644.00You pay€7,003.99 Cash pickupMinutes - 24 hours €3.991 EUR = 1.0920 USD $7,644.00You pay€7,003.99
Wise Pay via Debit card	Fee €89.31 1 EUR = 1.1116 USD 0.00% vs mid-market	Recipient gets $7,681.92 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer €89.311 EUR = 1.1116 USD $7,681.92You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 1.0960 USD +1.40% vs mid-market	Recipient gets $7,672.21 Minutes - 2 days
0 reviews
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.0960 USD $7,672.21You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €3.99 1 EUR = 1.0920 USD +1.78% vs mid-market	Recipient gets $7,644.00 Minutes - 24 hours
2 reviews
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 = 1.0920 USD $7,644.00You pay€7,003.99 Cash pickupMinutes - 24 hours €3.991 EUR = 1.0920 USD $7,644.00You pay€7,003.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €3.99 1 EUR = 1.0920 USD +1.78% vs mid-market	Recipient gets $7,644.00 Minutes - 24 hours
2 reviews
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 = 1.0920 USD $7,644.00You pay€7,003.99 Cash pickupMinutes - 24 hours €3.991 EUR = 1.0920 USD $7,644.00You pay€7,003.99
Wise Pay via Credit card	Fee €131.35 1 EUR = 1.1116 USD 0.00% vs mid-market	Recipient gets $7,635.19 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer €131.351 EUR = 1.1116 USD $7,635.19You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 1.1116 USD Updates every 60 minutes.

Why compare

EUR/USD exchange rate

Best ways to pay & receive

Transfer speed

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 TapTap Send.

TapTap Send was the cheapest on 5 of the 30 days it quoted €7,000 transfers to US.

On a 7,000 EUR transfer, TapTap Send 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 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 TapTap Send was the cheapest in 15% of the transfers from €7,000 it quoted, and in 11% of all the transfers it quoted.


€1,000	0.16%	€0.00	$1,110.10with debit card to bank deposit	+$10.38
€5,000	0.17%	€0.00	$5,550.50with debit card to bank deposit	+$50.74
€7,000This page	0.23%	€0.00	$7,763.00with debit card to bank deposit	+$44.96
€25,000	0.16%	€0.00	$27,752.50with debit card to bank deposit	+$126.68
€50,000	0.16%	€0.00	$55,510.00with bank transfer to bank deposit	+$230.80

Mid-market rate: 1 EUR = 1.1116 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 TapTap Send), across 30 days of comparisons for 7,000 EUR transfers to US.

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.

In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.

Right now, TapTap Send pays 7,763 USD on 7,000 EUR, which is 18.15 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7,959 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.

Ways to send money from Germany to US

There are 13 companies for sending money from Germany to United States, across broker, app, online, multi-currency account, global 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 TapTap Send to United States gets you 7,763 USD with a €0 fee and 0.23% markup.

In our comparisons over the past month, it was the cheapest online service on 12 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 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 7,719.82 USD vs 7,763 USD with TapTap Send.

We found Deutsche Bank was the cheapest bank on 23 of the 23 days it appeared for this amount.

For large transfers from Germany

Currency brokers

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.

Our analysis shows Key Currency was the cheapest broker in 95% 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 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 52% of days.

Ways to fund EUR and receive USD in US

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 7,763 USD.

Our data shows that TapTap Send gets your recipient 43.18 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 United States.

The recipient in 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 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

Debit card Bank deposit

You pay €7,000.00

$7,763

Cheapest
2

Bank transfer Bank deposit

You pay €7,000.00

$7,762

-$1
3

Credit card Bank deposit

You pay €7,000.00

$7,737

-$26
4

iDEAL Bank deposit

You pay €7,000.00

$7,732

-$31
5

Bank transfer Usdc

You pay €7,009.99

$7,691

-$72

Show moreShow less

6

Debit card Cash pickup

You pay €7,003.99

$7,644

-$119
7

Bank transfer Cash pickup

You pay €7,003.99

$7,644

-$119
8

Credit card Cash pickup

You pay €7,003.99

$7,644

-$119

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 United States, these are the best options:

Cheapest way to send money to United States

The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 7,763 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 7,763 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 13 of them on EUR to United States, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 108 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.

Send money from Germany

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.1362	–	$7,953.19
TapTap Send Cheapest	1.1370	€0.00	$7,959.00	+$5.81
Key Currency	1.1333	€0.00	$7,933.31	−$19.88
Regency FX	1.1331	€0.00	$7,931.72	−$21.47
Bank No quote collected this day	–	–	–	–

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.1350	–	$7,945.34
Key Currency Cheapest	1.1322	€0.00	$7,925.47	−$19.87
Regency FX	1.1320	€0.00	$7,923.88	−$21.46
TapTap Send	1.1280	€0.00	$7,896.00	−$49.34
Bank No quote collected this day	–	–	–	–

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.1314	–	$7,919.90
Key Currency Cheapest	1.1286	€0.00	$7,900.10	−$19.80
Regency FX	1.1284	€0.00	$7,898.51	−$21.39
TapTap Send	1.1280	€0.00	$7,896.00	−$23.90
Bank No quote collected this day	–	–	–	–

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.1259	–	$7,881.11
Key Currency Cheapest	1.1231	€0.00	$7,861.41	−$19.70
TapTap Send	1.1230	€0.00	$7,861.00	−$20.11
Regency FX	1.1228	€0.00	$7,859.83	−$21.28
Bank No quote collected this day	–	–	–	–

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.1259	–	$7,881.54
Key Currency Cheapest	1.1231	€0.00	$7,861.84	−$19.70
TapTap Send	1.1230	€0.00	$7,861.00	−$20.54
Regency FX	1.1229	€0.00	$7,860.26	−$21.28
Bank No quote collected this day	–	–	–	–

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

Best companies for EUR/USD transfers