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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.
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.
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.
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.
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.
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.
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.
| Money transfer company | Bank transfer service | |
|---|---|---|
| Exchange rate | 1 AUD is equal to 0.66 Euro | 1 AUD is equal to 0.67 Euro |
| Fee for transfer | $60 AUD | $20 AUD |
| Amount received in Euro (EUR) | 657.10 | 665.30 |
| Transfer time | Ten minutes | Two to five business days |
| Transfer options | Cash pick up | Bank 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.
Sign up and send money with a digital money transfer specialist in four steps:
Weigh costs and fees against convenience to best compare money transfer providers that send to Germany. Consider:
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.
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.
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.
Today's exchange rate AUD to EUR
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.
To send money from Australia to Germany, you'll need documentation and details that include:
To pick up money in person, documentation can include:
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
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.
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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
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