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Send money to Germany

Find the best way to transfer money from Australia to Germany.

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Looking for the best way to send money from Australia to family, friends or businesses in Germany (or even to your own bank account)? Don't head straight to your Australian bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more euros.

Compare ways of sending money to Germany

Use our table below to compare services that send money from Australia to Germany. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your Australian Dollars to Germany.

1 - 20 of 21
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
TorFX
24 hours
$0

View details
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Send Payments
24 hours
$0

View details
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
HSBC International Money Transfers
24 hours
From $8

View details
Get real time exchange rates when markets are open with flat $8 fee for online international transfers.
OFX
24 hours
From $15

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Western Union
Within minutes
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
XE Money Transfers
Within minutes
$0

View details
XE has fast transfers with low fees and a range of foreign currency tools.
TorFX
24 hours
$0

View details
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Send Payments
24 hours
$0

View details
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
SingX
Within minutes
0.45%

View details
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Instarem
Within minutes
From 0%

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Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
Remitly
Within an hour
From $2.99

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
CurrencyFair
Within minutes
From $0

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Special offer: New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
WorldRemit
Within minutes
$1.99
SPECIAL OFFER ✓ Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.

View details
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
SingX For Large Transfers
Within minutes
0.45%

View details
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
WorldFirst Business Transfers
WorldFirst Business Transfers
24 hours
From $0

View details
All new customers who send more than AUD$10000 in June and July are eligible to receive a $300 Woolworths gift card. Conditions apply.
Open bank accounts in Australia, the UK, US, Canada, Japan and Europe. Send and receive funds with zero fees for large sums, including same-currency supplier payments.
Airwallex
Within minutes
$0

View details
Airwallex can help you make business payments to 23+ currencies using competitive interbank rates and no fees for most transfers.
TorFX Business Transfers
24 hours
$0

View details
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Send business
Within minutes
$0

View details
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
OFX Business Transfers
24 hours
From $15

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
XE Business Transfers
XE Business Transfers
Within minutes
$0

View details
XE Money Transfer can help your business unlock international transfers. Forward contract and limit order options available.
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Compare up to 4 providers


How to send money to Germany from Australia

Here's our simple process for sending a money transfer to Germany as a cash pickup or bank transfer - the two options are similar:

  1. Compare your options. Use our table above to find a money transfer provider that sends AUD to Germany. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
  2. Register for an account. You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide recipient details. Enter your recipient's name and contact information. If you're sending straight to their German bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter the transfer amount. Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Euro your recipient should receive, so double check this.
  5. Complete your transfer. Send your money transfer to Germany. Keep any reference number safe so you can track your transfer - your recipient may need it too.

If you send to a German bank account, your recipient just needs to wait for the funds to arrive. For a cash pick up, your German recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.

Ways to send and receive money

How to decide which option is best for you to send money to Germany.

  • Bank deposit. Most major banks in Australia let you wire money to banks in Germany. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
  • Online money transfer services. Online companies like make international money transfers to Germany easy with bank transfers or cell phone top ups often offered as easy delivery options.
  • Transfer agents across Australia. Many transfer providers have locations dotted all across Australia, making it easy for you to send money that can be easily picked up in similar agent locations in Germany.
  • Cheques and money orders. If speed is not an issue, you can always pick up an international cheque from your bank or Australia Post to send to Germany.
  • Cash pick-up. you to collect cash, even if you don't have a bank account in Germany.
  • Bank deposit. If you have a German bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
  • PayPal. The Xoom app allows you to receive money from Australia onto your cell phone, into your German bank account, or as a cash pick-up.
  • Cheques and money orders. Both personal cheques and money orders can be sent directly to you where you live but these tend to be the slower options.

What documents do I need to transfer money to Germany?

To send money from Australia to Germany, you'll need the following:

1. Photo identification

Most providers require a driver's license, passport or other Australian government-issued ID. You can send transfers without the above but may need to give alternate ID instead.

2. Payment method

Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal cheques.

3. Recipient information

You'll need their name (matching their ID) plus contact details. If sending to a German bank account, you'll need the a/c number, SWIFT|IBAN and branch details.

What documents do I need to receive money in Germany?

To collect money in person in Germany, the recipient will need:

1. Transfer number

The reference number - sometimes called a PIN, MTCN or tracking number.

2. Government-issued ID

A official ID, such as a German passport or driving license.

3. The transfer amount

To know how much has been sent, usually to within 10% of the total.

4. Sender information

The sender's name and address and the country from where the money was sent.

How much does it cost to send money to Germany from Australia?

The cost of sending money to Germany from Australia depends on the exchange rate between AUD to EUR, the fees, how you want your recipient to receive your transfer and the turnaround time:

  • Exchange rates. The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rat so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Germany for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Germany faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
  • Transfer type. Does your recipient have a German bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.

Frequently asked questions

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International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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2 Responses

  1. Default Gravatar
    TamaraAugust 30, 2019

    Purchasing a property in France. we are in the proceeds of opening a Neo-Bank acct. Will require to send a large sum of money and we are considering the money transfer companies. ‘world first’ looks like our favoured company based on the completed transfer. Should we be considering another compay or anything else? Regards Tamara

    • Default Gravatar
      NikkiAugust 31, 2019

      Hi Tamara,

      Thanks for your message. While we provide information about money transfer providers for Germany, kindly note that we are not in the position to recommend one product and deem it be best since choosing a service provider depends on a customer’s requirements. To help you choose the best one for you, let the information above guide you on that by going to part of the page that says “Compare providers who can help you send money to Germany.”

      When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. You can refer to our guide about finding the best exchange rates. Also, read through the transfer process of the provider such as transfer fees, transfer options, and transfer speed to set expectations for the receiver. Take note of any reference or tracking numbers should any transaction delays come up during the transit. Hope this helps and feel free to reach back out for further assistance.

      With care,
      Nikki

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