Send Money to Germany Securely

Information verified correct on December 7th, 2016

Find out how you can save money and enjoy a hassle-free Germanytransfer when you send funds from the United States to Germany.

There are more than 50 million Americans of German descent, which equates to more than 17% of the US population. So if you ever need to send an international money transfer to Germany from the United States, you won’t have any trouble finding a bank or money transfer company willing to handle your transaction.

With so much choice available, it’s crucial that you compare the features and fees of different transfer providers to find one that offers affordable and secure international payments.

Compare International Money Transfers

Rates last updated December 7th, 2016
Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
WorldRemit International Money Transfers
An online money transfer service ... with cash pickup, bank account to bank account and airtime transfers available.
USD 1 Within an hour
OnlineCash Transfer
Rates are always
changing, click to check
your price today
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World First Foreign Exchange
Transfer money into a range ... of currencies online and over the phone.
USD 500 2 days
OnlinePhone
Rates are always
changing, click to check
your price today
Go to site More
Transferwise International Money Transfers
Make online transfers in a ... range of currencies and enjoy high maximum transfer amounts.
USD 1 1 day
Online
Rates are always
changing, click to check
your price today
Go to site More
HiFX International Money Transfers
Transfer money between 20 currencies ... and enjoy scheduled regular transfers. No fee for transfers over US $5,000.
USD 100 2 days
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
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Travelex International Money Transfers
Get your foreign currency delivered ... to your home or pick up at a store.
USD 500 2 days
Online
Rates are always
changing, click to check
your price today
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Currencies Direct International Money Transfers
$0 online transfer fee that ... you can access 24/7.
USD 100 2 days
OnlinePhone
Rates are always
changing, click to check
your price today
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USForex International Money Transfers
Take advantage of competitive exchange ... rates and cheap transfer fees.
USD 150 1 day
OnlinePhoneAgentInternational Money Order...
Rates are always
changing, click to check
your price today
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MoneyGram International Money Transfers
Send money anywhere, from anywhere.
USD 1 Same day
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
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TorFX International Money Transfers
TorFX guarantee to beat any ... competitor's exchange rate for a transaction. Conditions apply
USD 100 1 day
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
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Western Union Money Transfers
Send money online to friends ... and family around the world with Western Union.
USD 1 Same day
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
Go to site More
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Banks versus money transfer companies

If you want to send money to Germany you can easily do so through any major US bank, but there’s one big problem with doing so: it’ll cost you a lot of dough. Banks are notorious for charging hefty fees and offering poor exchange rates for international money transfers, with the end result being that your wallet ends up far lighter than it needs to be.

A much better approach to sending money overseas is to use a money transfer company. These providers, some of which are based solely online and others which offer agent networks around the world, specialise in sending international money transfers. Their fees are much lower and their exchange rates generally noticeably higher than those you can get from your bank, meaning that both you and your recipient will be better off financially.

Case Study: Klaus Sends Money to Germany

Klaus has been settled in Boston for more than five years now but he still maintains strong ties with his family back in Munich. Every year around Christmas time he sends them a $1,000 money transfer to help fund their holiday shopping spree, but Klaus is growing sick and tired of paying a $45 transfer fee imposed by his bank every time he makes a transfer. He decides to compare the services of two money transfer companies to see if he can find a better deal.

Money transfer company 1Money transfer company 2
Exchange rate1 USD = 88.20 EUR1 USD = 87 EUR
Transfer fee$10$5
Transfer methodBank account depositBank account deposit
Processing time4 business days3 business days
Amount received (in EUR)882 EUR870 EUR

As you can see, a small difference in the exchange rate makes a noticeable difference in the amount that makes it to Klaus’ family, while fees and processing times also vary between companies.

How to compare transfer companies when transferring money to Germany

  • Exchange rates. The exchange rate that applies to your transaction can have a huge bearing on the affordability of your transaction, so search for a company that regularly offers competitive rates.
  • Fees. 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.
  • Transfer methods. Available transfer methods include online, over the phone, using a mobile app or visiting a branch.
  • Transfer options. Limit orders, forward contracts and the ability to schedule repeat transfers are some of the flexible options available.
  • Turnaround time. Processing times can vary from within 10 minutes to up to 10 business days, so check each company’s turnaround time if fast transfers are a priority for you.
  • Minimum transfer amount. Some companies will force you to transfer more than a minimum limit each time you send funds overseas, which can be frustrating if you only need to send small transfers.
  • Pickup methods. Can the funds be collected from a transfer agent or will they be deposited into your recipient’s bank account?
  • Customer service. Will phone, email and/or live chat customer support be available when you need it?
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How to send money to Germany from America

  • Bank transfers. Bank-to-bank transfers are a safe and convenient way to send funds overseas.
  • Online money transfer providers. Companies like TransferWise and USForex offer affordable international money transfers.
  • Money transfer companies with cash pickup options. MoneyGram and Western Union are the two best-known providers of this service.
  • PayPal. PayPal offers secure and quick transfers between the United States and Germany.
  • Checks. Obtaining an international check from your bank is a reliable but slow transfer method.
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Emergency cash transfers in Germany

If you ever need to send an emergency cash transfer to Germany – maybe your teenage 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.

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Cash pickup locations in Germany / Western Union / MoneyGram / Ria branches in Germany

As the operators of the three largest money transfer networks in the world, Western Union, MoneyGram and Ria allow you to send funds to Germany which can be collected from their transfer agents throughout the country. The details of 12 popular cash pickup locations are below – just make sure your recipient knows the transaction reference number and takes some photo ID along when they go to pick up the cash.

Western Union

Berlin

Deutsche Postbank AG 5

Rathausstr 5

Berlin, Berlin 10178

+49-228-55005555

Open 9am to 7pm Monday to Friday, 9am to 4pm Saturday

Geco Hansa Center

Hansastrasse 236

Berlin, Berlin 13051

+49-030-97996514

Open 8am to 8pm Monday to Saturday

Munich

Deutsche Postbank AG

Zweibrueckenstr 5 7

Muenchen, Bayern 80469

+49-228-55005555

Open 8am to 6pm Monday to Friday, 8am to 1pm Saturday

Deutsche Postbank AG

Alter Hof 6 7

Muenchen, Bayern 80331

+49-228-55005555

Open 9am to 6:30pm Monday to Friday, 9:30am to 12:30pm Saturday

MoneyGram

Berlin

Eurochange AG

Friedrichstr. 80

Berlin, 10117

302043735

Open 10am to 7pm Monday to Friday, 10am to 3pm Saturday

Denizbank AG

Friedrichstr. 56

Berlin, 10117

8004886600

Open 8:30am to 5pm Saturday to Wednesday; 8:30am to 5:30pm Thursday; 8:30am to 4:30pm Friday

Munich

Lakshi Textiles

Rosenheimer Str. 30

Muenchen, 81669

8969398859

Open 10am to 8pm Monday to Saturday

MoneyGram

Bayerstr. 8

Muenchen, 80335

53889893

Open 8am to 8:30pm Monday to Friday, 9am to 8pm Saturday

Ria

Berlin

Ria Deutschland GmbH-Berlin KF Tiergarten (Berlin)

Kurfürstenstraße 33

Berlin BE

Open 8:30am to 7:30pm Monday to Friday, 10am to 6pm Saturday

Ria Deutschland GmbH-KM Neukölln (Berlin)

Karl Marx Str. 87

Berlin BE

Open 9am to 8pm Monday to Friday, Saturday 10am to 6pm

Munich

Ria Deutschland GmbH – Muenchen (Munchen)

Goethestasse 12

Munchen BY

Open Monday to Friday 8am to 2pm, 10am to 6pm Saturday

Ria Deutschland GmbH Munich 2 (München)

Arnulfstrasse 1

Munchen BY

Open 8am to 10pm Monday to Friday, 9am to 7pm Saturday and 10am to 6pm Sunday

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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 stash of cash in front of strangers
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How to send money to Germany

There is certainly no shortage of transfer provider who will be happy to help you send money to Germany, but before you can lodge a transaction you will usually need to provide the following details:

  • Your name, address, contact information and date of birth. Valid photo ID will also be required.
  • Your recipient’s name, address and contact details. Depending on your transfer method you may also have to supply their bank account information.
  • How much money you’re sending, where you’re sending it to and the currency you wish to transfer.

The entire transfer process is simple, straightforward and convenient, but it’s vital that you compare money transfer companies on finder.com before choosing one that suits your needs.

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US International Money Transfers Offers

Learn about our information service
WorldRemit International Money Transfers

An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

USForex International Money Transfers

Take advantage of competitive exchange rates and cheap transfer fees.

World First Foreign Exchange

Transfer money into a range of currencies online and over the phone.

Transferwise International Money Transfers

Make online transfers in a range of currencies and enjoy high maximum transfer amounts.

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