send-money-to-germany

Send money to Germany

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

A money transfer company will offer lower fees and more competitive exchange rates than most banks — but which provider is best for you depends on how much you're sending and how fast you need it to arrive.

In this guide, we'll give you tips on the best way to send money to Germany and help you decide how to send.

International Money Transfer Offer

TorFX International Money Transfers

  • No extra fees
  • Fix your exchange rate for up to 2 years
  • Price-match guarantee
  • Personal account manager

International Money Transfer Offer

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.

  • Minimum transfer amount: $200
  • Online transfer fee: $0
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Compare money transfer options for Germany

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Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 200 1 day AUD 0.00 0.629 EUR
6,294
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.
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AUD 2,000 1 day AUD 0.00 0.629 EUR
6,294
Send 60+ currencies at competitive rates with $0 transfer fees for Finder customers. WorldFirst will beat any eligible quote from another provider. Go to site Show details
AUD 250 1 - 2 days AUD 0.00 0.629 EUR
6,294
$0 transfer fees for Finder customers.
$0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.
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AUD 1 1 day AUD 0.00 0.629 EUR
6,288
With global payments provider XE, enjoy fast and secure transfers and a range of foreign currency tools and calculators while benefiting from $0 transfer fees. Go to site Show details
AUD 3,000 1 day AUD 0.00 0.629 EUR
6,293
Global Reach will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.
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AUD 5 1 - 2 days AUD 3.00 0.627 EUR
6,273
Exclusive: 5 free transfers after your first transfer
Send at least $5 in over 15 different currencies.
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AUD 1 Within an hour AUD 3.99 0.629 EUR
6,286
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
AUD 200 1 - 2 days AUD 50.00 0.640 EUR
6,368
Exclusive: Finder customers receive $15 off their first transaction. T&Cs apply.
Quick and simple international money transfers with zero-margin exchange rates. There's a flat 0.5% transfer fee for most transfers. Earn loyalty points on sign up, referral and every transaction.
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AUD 1 1 - 2 days AUD 45.00 0.632 EUR
6,291
Make online transfers at the mid-market rate with transparent fees in 45+ currencies. Go to site Show details

Compare up to 4 providers


The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.

Step-by-step: How to send money to Germany

  1. Compare some services that can send your dollars to euros.
  2. Choose one and sign up for an account.
  3. Provide the details of your transfer, including the amount and who you want to send to.
  4. Confirm and pay.

Banks versus money transfer companies/services

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 compare transfer companies

Important items to note when doing your comparisons are:

  • Applied exchange rate. The difference in exchange rate alone may appear insignificant until you start to consider it applies to realistic amounts of money that you will be sending, and the number of transfers you plan to make throughout the year. Since Jennifer will be making a monthly transfer, that difference in the exchange rate will add up to over 70.00 Euro over one year.
  • Pick up methods. In Jennifer’s case, a bank deposit may work in her favor if she could also have her home loan payment directly debited from the same account. She will have to explore other options if a cash pick up is more convenient for her mother in Germany.
  • Transfer time. In the event of an emergency, Jennifer will have to explore other transfer companies which transfer money the same day.
  • Minimum transfer amounts. Some companies, such as the one Jennifer looked at, will not allow a transfer of Australian funds of less than $1,000. This is something to consider if you think that you may be sending smaller amounts of money.
  • Transfer fees. Fees vary from company to company and in some instances will be on a sliding scale depending on the amount of money you are sending to Germany.
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Ways to send money to Germany from Australia

The Euro is a world recognised currency, making it relatively easy to find a service provider that will allow you to send money to Germany from Australia. Below is a partial list of the companies you can consider when comparing your money transfer options:

  • Westpac Bank: Account holders with Westpac Bank may transfer money from their banking account to an account in Germany. Transfer orders initiated online will accrue a $20 AUD charge, or $32 AUD if you visit a branch.
  • OFX. OFX is an online transfer service provider that allows you to set up an account with them. You lock in your transfer rate and the money transfer is completed upon receipt of your payment, either with BPAY or an electronic funds transfer (EFT).
  • MoneyGram. You can send money from online or at an Australian agent for cash pick up in Germany with MoneyGram.
  • Western Union. With Western Union you can arrange for a cash pick up in Germany or a bank deposit.
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Emergency cash transfers in Germany

If you are visiting Germany and lose your wallet, there are few choices you have to get cash sent to you:

  • Your credit card. Some credit card companies will send you cash while travelling to help you until your replacement card arrives if your credit card is reported lost or stolen.
  • Travel insurance. Your travel insurance policy should provide you with cash if your wallet is lost or stolen. Make sure that you file a report with the local police and keep a copy for when filing your claim.
  • Cash transfer to a transfer service provider. Your Australian passport will provide the identification you will need to pick up cash sent to you from Australia.
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Cash pickup locations in Germany

Below you will find listed a number of Western Union and MoneyGram locations that can be used for a cash pick up in Germany. Before leaving to pick up money, make sure that you have the special reference number and your photo identification.

Western Union

  • Berlin

    Deutsche PostBank AG Torstr 105 107 Berlin, Berlin 10119 +49-22855003737 Open Monday through Friday 9am to 7pm. Saturday 9am to 1pm.

  • ReiseBank AG

    Bahnhof Friedrichstrasse 141 142 Berlin, Berlin 10117 +49-3020455096 Open Monday through Friday 7:30am to 8pm. Saturday and Sunday 8am to 8pm.

  • Hamburg

    Deutsche PostBank AG Hamburg, Hamburg 20457 +49-22855003737 Open Monday through Friday 9am to 6:30pm. Saturday 10am to 1pm.

  • BB Tabakwaren

    Moenckebergstr 7 Hamburg, 20095 +49-4032526403 Open Monday through Friday 9am to 7pm. Saturday 9am to 6pm.

MoneyGram

  • Berlin

    Eurochange AG Alexanderplatz IM S-BHF Berlin, 10178 302415097 Open Monday through Saturday 8am to 8pm

  • DenizBank AG Berlin

    Friedrichstraße, 56 Berlin, 10117 8004886600 OPen Saturday through Wednesday 8:30am to 5pm. Thursday 8:30am to 5:30pm. Friday 8:30am to 4:30pm.

  • Hamburg

    Reisebuero Clip – Hamburg Willy – Brandt- Str 30 Hamburg, 20457 Phone. 4072005050 Hours. Monday through Friday 9:30am to 6pm. Saturday 10am to 2pm.

  • Sher-E-Punjab-Hamburg

    Bremer Reihe 26 Hamburg, 20099 Phone. 16093331958 Hours. Monday through Friday 10am to 8pm. Saturday 10am to 7pm.

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Tips for picking up cash in Germany

The Department of Foreign Affairs and Trade (DFAT) advises that Australian travellers to Germany should exercise normal safety precautions. When picking up cash at an agency however, you should ensure that you have a reliable mode of transportation and someone to go with you. You should also make sure to go back to your hotel after completing the transaction to secure any excess cash in a room safe.

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How to send money to Germany

If you decide that an online account to send money from Australia to Germany is the best option for you, it will first need to be established. To open the account you may need to supply your:

  • Full name as shown on your photo identification.
  • Mailing and email address
  • Your bank or credit card information that will be used to pay for transfers. You will also be asked to verify this before each transaction in the event that information changes.
  • Driver’s licence number or passport number for verifying your identity.

Once your account is established the process of sending money to Germany will be made easier as you will only need to verify your details and input the beneficiary’s information. This information may also be stored, a useful option if you are sending money to the same person consistently. German businesses, students and expats who are spending time or conducting business in Australia may all find reason to send money to Germany from Australia. With the number of options available, research thoroughly and compare the various rates, fees and features to find the service that gives you the most value for your money.

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International Money Transfer Offers

Important Information*
TorFX International Money Transfers

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.

WorldFirst International Money Transfers

Send 60+ currencies at competitive rates with $0 transfer fees for Finder customers. WorldFirst will beat any eligible quote from another provider.

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
$0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

TransferWise International Money Transfers

Make online transfers at the mid-market rate with transparent fees in 45+ currencies.

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