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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.
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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:
- 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.
- Register for an account. You'll need to give your name, address, contact details, proof of ID and method of payment.
- 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.
- 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.
- 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.
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Ask an Expert
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