Castle in Germany

Send Money to Germany Securely

Information verified correct on January 20th, 2017

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

Compare International Money Transfers

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.

Rates last updated January 20th, 2017

Enter your details to speak to a foreign exchange expert

By submitting this form, you agree to finder.com privacy policy
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 Services Online Transfer Fee Rate Amount Received
Payoneer International Money Transfers
Send Mass Payments To Your ... Send Mass Payments To Your Payees Worldwide
USD 20
OnlinePhone
Rates are always
changing, click to check
your price today
Go to site More
WorldRemit International Money Transfers
An online money transfer service ... 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
Go to site More
World First Foreign Exchange
Exclusive offer: $0 transfer fee ... Exclusive offer: $0 transfer fee
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 ... 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 ... 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
Go to site More
Currencies Direct International Money Transfers
$0 online transfer fee that ... $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
Go to site More
OFX International Money Transfers
Exclusive offer: Special exchange rates ... Exclusive offer: Special exchange rates and $0 transfer fee
OFX is currently offering finder.com exclusive exchange rates and $0 transfer fee on all transfers.
USD 150 1 day
OnlinePhoneAgentInternational Money Order...
Rates are always
changing, click to check
your price today
Go to site More
TorFX International Money Transfers
TorFX guarantee to beat any ... TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply
USD 150 1 day
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
Go to site More
Back to top

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.

Back to top

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.

Back to top
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.

Back to top

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?
Back to top
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.
Back to top

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.
Back to top
  • 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.

Back to top

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.

Back to top

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.

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

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.

OFX International Money Transfers

Exclusive offer: Special exchange rates and $0 transfer fee
OFX is currently offering finder.com exclusive exchange rates and $0 transfer fee on all transfers.

World First Foreign Exchange

Exclusive offer: $0 transfer fee
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.

feedback