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How to send money to Germany

Take advantage of low fees and competitive exchange rates when sending money to Germany.

Updated

Fact checked
If you need to send money to Germany, determining the simplest and most cost-effective option can be stressful.
Transferring your dollars to Dusseldorf doesn’t have to be complicated and expensive.

Send money to Germany with WorldFirst

非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.


可用超過130種貨幣匯款。
Send money in more than 130 currencies.

  • Worldwide access
  • Low exchange rates and fees
  • 24 hour online payments system
  • Fast international payments process
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Compare providers who can help you send money to Germany

Our interactive table lets you compare current fees, exchange rates, transfer speeds and other details about sending your money overseas. Enter the amount you’re transferring, and see how much will arrive at your destination.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 60 1 day HKD 0.00 0.11 EUR
1,100
Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees Go to site Show details
USD 1 1 day HKD 0.00 0.109 EUR
1,088
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用超過130種貨幣匯款。 Send money in more than 130 currencies.
Go to site Show details
USD 10 1 - 2 days HKD 90.00 0.11 EUR
1,095
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
USD 5 1 - 2 days HKD 25.00 0.109 EUR
1,091
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
SGD 1 1 day HKD 48.00 0.11 EUR
1,099
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
Go to site Show details
USD 50 1 day HKD 35.00 0.11 EUR
1,101
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details
USD 1 Within an hour HKD 20.00 0.11 EUR
1,098
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
USD 100 1 day HKD 15.00 0.109 EUR
1,086
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 0.109 EUR
1,088
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. Go to site Show details
USD 2,000 1 day HKD 0.00 0.109 EUR
1,088
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
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.
 

How do international money transfers work?

If you don’t already have an account with the company you choose for your transfer, you’ll need to open one either in person or online. The money you send can be in cash or from a bank account, a debit card or even a credit card. Simply put, once you’ve signed over your funds and designated a recipient, the bank or transfer agency whisks it through electronic money networks to its destination, where your recipient either picks it up in person or finds it deposited into their bank account.

Banks versus money transfer companies

Think the obvious way to send money abroad is through your bank? It may also be the slowest and priciest, with high fees and weak exchange rates — resulting in fewer euros for your recipient.

You can save time and money by using a money transfer company that specialises in zipping funds around the world. They stay in business by offering low fees, and most take a minimal cut off the exchange rate. You pay less upfront, and your recipient gets more euros.

How to compare transfer companies when transferring money to Germany

  • Exchange rate. The exchange rate a provider offers can have a huge impact on the affordability of your transaction, so search for a company that regularly offers competitive rates.
  • Transfer fee. Make sure you’re aware of any fees that will apply to your transfers, keeping in mind that companies with higher exchange rates may also have higher fees. Some money transfer companies will waive the transfer fee ,for example. Other providers give you first transfer free deals as a sweetener when you join.
  • Transfer methods. Available transfer methods include online, over the phone, using a mobile app or visiting a branch.
  • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments, or does the company only provide one-off spot orders?
  • Transfer time. This will be based on how you pay and how you want the money collected. Cash payments are available in an instant when you pay with your card. Bank account transfers can take up to four business days to clear.
  • Payment methods. Ways to pay include: debit card, credit card, cash in person and bank account deposit. Credit, debit and cash payments can clear in minutes.
  • Collection options. A select number of providers have offices in Germany where cash can be collected in person. Banks and other money transfer companies all offer bank deposits as a transfer method.
  • Customer service. Does the money transfer company have a Hong Kong-based customer service team on hand to answer any of your questions?

FOREIGN EXCHANGE RATES EXPLAINED

The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency.The euro’s exchange rate is flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Ways to send money to Germany from Hong Kong

  • Bank transfers. Bank-to-bank transfers are a safe and convenient way to send funds overseas.
  • Online money transfer providers. Companies like TransferWise and OFX offer affordable international money transfers.
  • Money transfer companies with cash pick-up options. MoneyGram and Western Union are the two best-known providers of this service.
  • PayPal. PayPal offers secure and quick transfers between Hong Kong and Germany.
  • Cheque. Obtaining an international cheque from your bank is a reliable but slow transfer method.

Steps to sending money to Germany

  1. Choose from among the numerous transfer providers who send money to Germany.
  2. Register with the provider of your choice on their website providing your name, address, contact information and date of birth. A valid photo ID will also be required.
  3. Provide your recipient’s name, address and contact details. Depending on the transfer method you may also have to supply their bank account information.
  4. Enter the amount you want to send, complete your transaction and save your tracking or receipt number to follow up on the progress of your transfer.

Making a cash transfer to Germany

If you ever need to send an emergency cash transfer to Germany — maybe your son or daughter is backpacking through Europe and has run out of money — remember that urgent transfers often don’t come cheap. Fees rise and exchange rates often fall when you send a transfer ASAP, so take a little time to examine the full cost of your transfer before you send it.

TIPS FOR PICKING UP CASH IN GERMANY

Keep the following safety tips in mind if you ever pick up a cash transfer from an agent in Germany:

  • Make sure your wallet and bag are secure.
  • Never leave your bag or wallet unattended in a public place.
  • Don’t carry around large sums of cash – deposit the funds with a bank as soon as you can.
  • Ask a friend to accompany you and act as a deterrent to thieves.
  • Don’t publicise your cash in front of strangers.

Emergency cash transfers to Germany

These options can help you get out of a tight spot.

  • International cash payment. Overseas money-wire services, such as Western Union, can get cash to a collection agent, such as a bank, in minutes.
  • Emergency cash assistance. Visa and MasterCard can issue emergency cash from your account if you lose your card or it is stolen. An emergency cash request can take up to a day to process.
  • Travel insurance benefit. For covered events, your travel insurance provider may be able to issue an emergency cash benefit. Refer to your international travel insurance product disclosure statement to see what’s covered and what isn’t.

Cash pick-up locations in Germany

Both Western Union and MoneyGram are partnered with major German and international banks. Western Union also has non-bank partners which operate for longer periods outside of business hours.

Western Union

Berlin

  • Deutsche PostBank

    Rathausstr 5
    Berlin
    Be 10178
    +49 228 55005555
    Open Monday to Friday, 9am–7pm; Saturday 9am–4pm

    Reisebank AG

    Hauptbahnhof
    Europaplatz 1
    Berlin
    Be 10557
    +49-30-20453761
    Open Monday to Sunday, 8am–10pm

Munich

  • Deutsche PostBank

    Sattlerstr 1
    Muenchen
    By 80331
    +49 228 55005555
    Open Monday to Friday, 9am–6pm; Saturday 9am–12:30pm

  • Schnapchen Shop

    Zweibruckenstr 4
    Muenchen
    Bayern 80331
    +49-893-7987186
    Open all week, 10am–8:30pm

MoneyGram

Hamburg

  • International Exchange Intex GMBH

    Kirchenallee 57
    Hamburg
    20099
    +49-402-802342
    Open Monday to Friday, 8am–8pm; Saturday 8am–4pm

  • International Exchange Intex GMBH

    Terminal 1
    ABFLUG
    Hamburg 22335
    +49-405-4802465
    Open Monday to Sunday, 6am–8pm

Cologne (Koln)

  • Exchange AG Deutschland

    1 Kardinal-Hoffner-Platz
    Cologne (Koln) 50667
    +49-211-9252596
    Open Monday to Friday, 9am–6pm; Saturday, 10am–2pm

  • Tele Cafe Druckertankstelle 1453

    50 Severinstr.
    Cologne (Koln) 50678
    +49-221-2723283
    Open Monday to Saturday, 10am–8pm; Sunday, 11am–8pm

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