Send money to Germany

Find the best exchange rate and low fees when you send money to Germany from Australia.

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Online money transfer companies typically offer the lowest fees and the most competitive exchange rates — often beating your local bank by a longshot. You'll need to send cash if your recipient doesn't have an account with a supported bank, so compare options to find the best deal for your situation.

Send money to Germany with TorFX

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

  • No transfer fees
  • Price match guarantee
  • Dedicated account manager assigned to you
  • Forex tools available
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Compare providers who can help you send money to Germany

Compare minimums, speed, fees and more when converting Australian dollars to euros in Germany.

Enter the amount you're transferring to see how much will arrive at your destination.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 250 1 - 2 days AUD 0.00 0.617 EUR
6,168
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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AUD 1 1 day AUD 50.00 0.616 EUR
6,131
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.
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AUD 1 Same day AUD 0.00 0.616 EUR
6,162
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 2,000 1 day AUD 0.00 0.617 EUR
6,171
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.
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AUD 2,000 1 day AUD 0.00 0.617 EUR
6,167
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.
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AUD 5 1 - 2 days EUR 3.00 0.617 EUR
6,167
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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AUD 1 Same day AUD 3.99 0.612 EUR
6,116
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.
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AUD 200 1 - 2 days AUD 50.00 0.619 EUR
6,158
Exclusive: New customers sending over 500 AUD from Australia use code FINDER50 to get 50 AUD off. Pay zero fees on your first transaction. Valid till 31 December 2021. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
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AUD 1 1 - 2 days AUD 45.00 0.617 EUR
6,140
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What's the best way to send money to Germany?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to Germany. Some offer cash pickup in as little as a few minutes, while others transfer to bank accounts. Sending money through PayPal or your bank is also an option, but you'll typically face higher fees and weaker exchange rates when going that route.

Digital money transfer services

Companies like XE and wise specialise in foreign currencies, making them some of the most cost-effective transfers. Most offer transfers directly to your recipient's German bank account, often in as little as a day or two.

Cash transfers

Services like MoneyGram and Western Union allow you to transfer cash for pickup at a local branch in Germany— often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees.

Banks

The euro is a popular currency, so your local bank may be able to exchange them. If your bank supports euros, beware of high fees and wide margins on the exchange rate compared to digital and other options when sending a wire transfer to Germany.

Jennifer's family transfers

The company Jennifer works for has asked if she would oversee her department in their Australian office. Jennifer is looking forward to the experience but would like to keep her small house in Hamburg. In order to keep up with the payments, Jennifer decides to look into her options to transferring money to her mother each month, who would then make the deposit for her. She starts by comparing a bank to a money transfer company on the assumption that she would need to send $1,000 AUD to make her monthly payment:
Money transfer companyBank transfer service
Exchange rate1 AUD is equal to 0.66 Euro1 AUD is equal to 0.67 Euro
Fee for transfer$60 AUD$20 AUD
Amount received in Euro (EUR)657.10665.30
Transfer timeTen minutesTwo to five business days
Transfer optionsCash pick upBank deposit
Difference+8.20 EUR

In both fees and the exchange rate, Jennifer saves by using the bank opposed to a transfer company. Since she is making regular monthly payments and will not need to send money quickly, the bank option is her better choice.

How to send money to Germany online

Sign up and send money with a digital money transfer specialist in four steps:

  1. Sign up for a free account. Pick a provider and sign up for a free online account using your contact information, proof of ID and preferred payment method.
  2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If transferring to a bank, you'll need their German bank account details.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to Germany. Some money transfer providers send a text or email when your transfer is complete.

How to get the most out of your money transfer to Germany

Weigh costs and fees against convenience to best compare money transfer providers that send to Germany. Consider:

  • Exchange rates. The AUD-EUR relationship fluctuates often, so using a service that allows you to lock in exchange prices may help you save money down the line if the euro rises against the Aussie dollar.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger AUD-EUR exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of euros you're sending to Germany.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to Germany.
  • Sending limits. Comparing prices for one large transfer instead of many small transfers is typically easier, so picking the service you use based on how much you're sending is a valid strategy for saving money.
  • Transfer methods. Whether you want money sent to a German bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfer

When urgency trumps cost to get your money to Germany quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to Germany without a bank account

Cash transfer services can help you if you're unbanked or marginally banked. If you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.

Germany's exchange rates explained

The exchange rate determines how much one country's currency is worth in another country's currency. When a country's currency is strong, it yields more money when exchanging it in a country with a weaker currency. Germany's exchange rate is based on the euro, which is flexible compared to the Australian dollar. Because both are relatively stable global currencies, the AUD-EUR relationship typically doesn't make sharp movements. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Track how the euro trades against the Australian dollar in our historical rate chart.

1
0
Updated: 24 Sep 2021 14:07:39 UTC

Today's exchange rate AUD to EUR

Documents needed for transferring money to and from Germany

To send money to Germany from Australia, you'll need a government-issued ID and other documents, while documents needed to pick up money in Germany may be different by company.

Documents to send money from Australia

To send money from Australia to Germany, you'll need documentation and details that include:

  • Identification. Most services require a driver's license, passport or other government-issued ID.
  • Payment method. Your service may accept credit or debit cards, cash, direct deposit or personal checks.
  • Recipient information. Submit your recipient's name as it appears on their ID, along with their phone number, German bank account (IBAN or SWIFT).

Documents to receive money in Germany

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer's confirmation details — called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. A German Passport, German ID, EU-country issued ID, or similar official ID may be required to pick up your transfer.
  • Amount sent. You may need to know how much was sent, usually within 10% of the total.
  • Sender's information. Take along your sender's full name, the sending country and their address, if known.

What to watch out for

Sending money to German relatives or family members in Germany may be subject to taxes on the money transfer, but it depends on several variables.

Learn more about using the European euro in Germany

Bottom line

Sending your hard-earned money to Germany shouldn't cost a fortune. Compare money transfer companies that specialise in foreign transactions for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country specific guides the next time you need to make a transfer.

Code

Zero fees on your first THREE money transfers

Send money with WorldRemit using the code '3FREE' and pay no fees on your first three money transfers

More guides on Finder

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

    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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