Send money to Germany

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

Last updated:

Old Town Square, Frankfurt, Germany

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 Offer

  • 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: $2,000
  • Online transfer fee: $0
Go to site
Promoted

Compare money transfer options for Germany

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 2,000 1 day AUD 0.00 0.616 EUR
6,160
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.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.616 EUR
6,160
Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.616 EUR
6,160
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
AUD 250 1 - 2 days AUD 0.00 0.616 EUR
6,160
$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.
Go to site Show details
GBP 3,000 1 day AUD 0.00 0.616 EUR
6,160
Global Reach will match any competitor's exchange rates. Conditions apply.
Get no fees as a Finder customer when you transfer your money overseas with Global Reach.
Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.612 EUR
6,122
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
AUD 1 Within an hour AUD 3.99 0.611 EUR
6,108
Use promo code 3FREE to send your first 3 transfers with no fee.
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
Go to site Show details
AUD 1 1 - 2 days AUD 45.00 0.619 EUR
6,157
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.
Back to top

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.
Back to top

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.
Back to top

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.

Back to top

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.

Back to top

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.

Back to top
Was this content helpful to you? No  Yes

International Money Transfer Offers

Important Information*
Logo for ANZ International Money Transfer
ANZ International Money Transfer

Transfer to over 99 countries via online banking, phone banking or through an ANZ bank branch.

Logo for TorFX International Money Transfers
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.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

Logo for SendFX International Money Transfers
SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

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

    • Avatarfinder Customer Care
      NikkiAugust 31, 2019Staff

      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 “How to compare transfer companies.”

      When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. You can refer to this page as it provides tips on finding the best exchange rate. 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

Ask a question
Go to site