Castle in Germany

How to send money to Germany

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

When you need to get money to a loved one overseas, the last thing you want to have to deal with is navigating a potentially complicated and expensive process. Sending money from the United States to Germany doesn’t have to be expensive. Compare the transfer fees and exchange rates of the options available to you to get the most euros for your dollar.
TransferWise International Money Transfers

TransferWise International Money Transfers

When you need to send money overseas, benefit from competitive exchange rates and low transfer fees with TransferWise.

  • Fair service fees and mid-market rates — a major market differentiator.
  • Next-day delivery to your loved ones and businesses.
  • Trusted the world over, with five-star ratings on Trustpilot.

    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.

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    Ofx Logo

    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

    • Buying property abroad
    • Emigrating
    • Regular overseas payments
    • Risk management
    • Forecasting

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    WorldRemit International Money Transfers
    USD 1 Within an hour USD 2.99 0.88 Online, Bank Account to Bank Account, Cash Transfer EUR 4,398 Use promo code FREE to send your first transfer for no fee, to over 110 countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site View details
    World First Foreign Exchange
    USD 1,000 1 day USD 0.00 0.88 Online EUR 4,402 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.
    Go to site View details
    TransferWise International Money Transfers
    USD 1 1 day USD 50.00 0.893 Online EUR
    4,421
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site View details
    OFX International Money Transfers
    USD 150 1 day USD 0.00 0.89 Online, Bank Account to Bank Account EUR 4,448 Send safe, no-limit transfers with no fees and competitive exchange rates. Go to site View details
    HiFX International Money Transfers
    USD 100 2 days USD 5.00 0.889 Online EUR 4,441 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site View details
    Do you send money often? Track this rate with tailored alerts direct to your inbox

    Compare up to 4 providers

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    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.

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    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 specializes in zipping funds around the world. They stay in business by offering low fees, and most take a minimal cut of the exchange rate. You pay less upfront, and your recipient gets more euros.

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    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 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.

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    How to compare transfer companies when transferring money to Germany

    • Exchange rates. The exchange rate that applies to your transaction can have a huge impact 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. 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?
    • Turnaround time. Processing times can vary from within 10 minutes to up to 5 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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    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. For example, in December 2016, the U.S dollar was worth approximately 19 Mexican pesos. However, most countries’ exchange rates are flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
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    Ways 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 OFX 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 to 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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    Find a money transfer location near you

    Pro Tip:

    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 publicize your cash in front of strangers.

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    How to send money to Germany

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

    • Your name, address, contact information and date of birth. A valid photo ID will also be required.
    • Your recipient’s name, address and contact details. Depending on the 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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    Cash pickup locations in Germany

    Worldremit

    Deutsche Bank Filiale
    Address: Alexanderstraße 5, 10178 Berlin, Germany
    Hours: 10:00 AM – 6:00 PM
    Phone: +49 30 34070

    GLS Bank / Filiale Berlin
    Address: Schumannstraße 10, 10117 Berlin, Germany
    Hours: 10:00 AM – 4:00 PM
    Phone: +49 234 5797100

    Santander Bank, Filiale Berlin Mitte
    Address: Leipziger Straße 96 / Charlottenstr. 66, 10117 Berlin, Germany
    Hours: 9:00 AM – 6:00 PM
    Phone: +49 30 2537620

    Moneygram

    EUROCHANGE AG
    Address: ALEXANDERPLATZ IM S-BHF Berlin, 10178
    Hours: 8:00 AM – 8:00 PM
    Phone: +49-302415097

    365 KAFFEE + PRESSE – BERLIN – ALEXANDER
    Address: ALEXANDERPLATZ Berlin, 10178
    Hours: 4:30 AM – 10:00 PM
    Phone: +49-8008088019

    EXCHANGE AG DEUTSCHLAND
    Address: FRIEDRICHSTR. 150-153 Berlin, 10117
    Hours: 9:00 AM – 6:00 PM
    Phone: +49-493-020649296

    Western Union

    DEUTSCHE POSTBANK AG
    Address: Rathausstr 5 Berlin, Be 10178
    Hours: 9:00 AM – 7:00 PM
    Phone: +49-228-55005555

    DEUTSCHE POSTBANK AG
    Address: Behrenstr 29 Berlin, Berlin 10117
    Hours: 9:00 AM – 5:30 PM
    Phone: +49-69-85098373

    GECO HANSA CENTER
    Address: Hansastrasse 236 Berlin, Berlin 13051
    Hours: 8:00 AM – 8:00 PM
    Phone: +49-30-97996514

    Worldremit

    Deutsche Bundesbank
    Address: Willy-Brandt-Straße 73, 20459 Hamburg, Germany
    Hours: 9:00 AM – 2:30 PM
    Phone: +49 40 37070

    Danske Bank
    Address: Georgspl. 1, 20099 Hamburg, Germany
    Hours: 8:30 AM – 5:00 PM
    Phone: +49 40 3281160

    Sparda-Bank Hamburg eG
    Address: ABC-Straße 38, 20354 Hamburg, Germany
    Hours: 9:00 AM – 7:00 PM
    Phone: +49 40 5500550

    Moneygram

    DENIZBANK AG – HAMBURG
    Address: GROSSE JOHANNISSTR. 19 Hamburg, 20457
    Hours: 8:30AM – 5:00 PM
    Phone: +49-80-04886600

    REISEBUERO CLIP – HAMBURG
    Address: WILLY-BRANDT-STR. 30 Hamburg, 20457
    Hours: 9:30 AM – 6:00 PM
    Phone: +49-40-72005050

    PLATINUM LEIHHAUS – HAMBURG
    Address: ERNST-MERCK-STR. 8 Hamburg, 20099
    Hours: 9:00 AM – 6:00 PM
    Phone: +49-95-20010000

    Western Union

    DEUTSCHE POSTBANK AG
    Address: Alter Wall 38 Hamburg, Hh 20457
    Hours: 9:00 AM – 6:30 PM
    Phone: +49-228-55005555

    DEUTSCHE POSTBANK AG
    Address: Moenckebergstr 7 Hamburg, Hh 20095
    Hours: 9:00 AM – 7:00 PM
    Phone: +49-228-55005555

    DEUTSCHE POSTBANK AG
    Address: Am Sandtorkai 44 Hamburg, Hh 20457
    Hours: 9:00 AM – 6:00 PM
    Phone: +49-228-55005555

    Worldremit

    State Street Bank GmbH
    Address: Brienner Str. 59, 80333 München, Germany
    Hours: 9:00 AM – 6:00 PM
    Phone: +49 89 55878100

    Sparda-Bank Filiale Neuhausen
    Address: Richelstraße 3, 80634 München, Germany
    Hours: 8:00 AM – 6:00 PM
    Phone: +49 89 55142400

    Fidor Bank AG
    Address: Sandstraße 33, 80335 München, Germany
    Hours: 8:00 AM – 6:00 PM
    Phone: +49 89 189085233

    Moneygram

    DENIZBANK AG – MUENCHEN
    Address: BAYERSTR. 4 Muenchen, 80335
    Hours: 8:30 AM – 5:00 PM
    Phone: +49-80-04886600

    MONEYGRAM RETAIL
    Address: BAYERSTR. 8 Muenchen, 80335
    Hours: 8:00 AM – 8:30 PM
    Phone: +49-53889893

    EXCHANGE AG DEUTSCHLAND
    Address: SCHILLERSTR. 3A Muenchen, 80336
    Hours: 9:30 AM – 6:00 PM
    Phone: +49-892350920

    Western Union

    DEUTSCHE POSTBANK AG
    Address: Zweibrueckenstr 5 7 Muenchen, By 80469
    Hours: 8:00 AM – 6:00 PM
    Phone: +49-228-55005555

    DEUTSCHE POSTBANK AG
    Address: Alter Hof 6 7 Muenchen, By 80331
    Hours: 9:00 AM – 6:30 PM
    Phone: +49-228-55005555

    DEUTSCHE POSTBANK AG
    Address: Sattlerstr 1 Muenchen, By 80331
    Hours: 9:00 AM – 6:00 PM
    Phone: +49-228-55005555

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    US International Money Transfers Offers

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    HiFX International Money Transfers

    Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000.

    WorldRemit International Money Transfers

    Use promo code FREE to send your first transfer for no fee, to over 110 countries for bank-to-bank deposit, cash pickup or mobile top-up.

    World First Foreign Exchange

    Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.

    TransferWise International Money Transfers

    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

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