Your existing bank
For euro payments within SEPA, a normal bank transfer may be simpler and cheaper.
Germany · English
Sending money abroad from Germany
Working or studying in Germany and sending money abroad? This guide explains the real transfer cost, how to compare providers, when Wise may fit, and the country-specific Wise Business pricing.
Money transfer calculator
- Exchange rate
- Fees (included in amount sent)
- Estimated arrival
Checking rates…
Quick answer
What is the best way to send money internationally from Germany?
For transfers that involve currency conversion, Wise is a strong option to check because it shows the exchange rate, Wise fee and recipient amount before you pay.The exact cost depends on the route, amount and funding method, so use a current quote for your own transfer.
Wise for personal transfers
Check the current Wise price for your transfer
The exact price depends on amount, currencies and funding method. Open Wise for a current quote and confirm the final rate and fee before paying.
COST STACK
International transfer costs, explained
An international transfer can cost money in several places at once. Some are visible, some sit inside the exchange rate.
- Transfer or service fee
- What the provider charges for sending. Can be fixed, a percentage, or both.
- Exchange rate
- The rate used to convert your euros. On larger sums it outweighs most fees.
- Exchange-rate markup
- The margin between the rate offered and the mid-market rate, built into the conversion.
- Payment-method fees
- Funding by SEPA bank transfer is usually cheaper than by credit card.
- Intermediary (SWIFT) fees
- For non-SEPA payments, correspondent banks may deduct charges along the way.
- Recipient-bank fees
- The receiving bank may charge for incoming international payments.
- Final amount received
- The amount that actually arrives. Compare providers on this figure.
Compare the amount the recipient ultimately receives, not only the advertised transfer fee.
Compare your options
The best money transfer depends on the amount and destination.
Compare what arrives after fees, the exchange rate, the payment method and the delivery option. A provider that works for €50 may not be the best for €50,000.
Transfer specialists
Compare Wise, Remitly and other services for your actual route and amount.
Currency-exchange apps
Check Revolut plan allowances, weekend fees and transfer charges separately.
BUSINESS
Wise Business
For companies paying suppliers, contractors or teams abroad, compare any one-time business fee, transfer fee, FX rate, receiving details and workflow tools — not only the headline transfer fee.
Wise Business guide →WHEN IT FITS
Sending between currencies
This is where rate markups add up and where an upfront quote is most useful.
You want the full quote first
You see the fee, the rate and the amount received before you commit.
Recurring transfers
Rent, tuition or family support sent regularly, where small differences compound.
Paying into a bank account abroad
Paying a person or business that has a local account in the destination country.
FAQ
Frequently asked questions
What is the cheapest way to send money internationally from Germany?
There is no universal cheapest provider. Compare the recipient amount for the same route and amount after the exchange rate, transfer fee and funding-method costs.
When should I compare Wise with my bank?
For currency conversion, Wise shows its exchange rate, fees and recipient amount before you confirm. For local and SEPA transfers, check your bank’s terms as well.
How can I check whether a Wise signup benefit applies?
Before registering, look for any offer and eligibility terms shown by Wise. No specific reward has been confirmed for this link; do not assume a discount unless Wise displays one.
How much does Wise Business cost in Germany?
Registration is free; €55 is charged once to unlock account details. Wise lists sending/conversion from 0,2%. Always check the live quote for your currency and amount.
What should a business compare?
Beyond rate and fee, compare receiving account details, batch payments, team access, accounting integrations, limits and how suppliers or contractors get paid.
Source: Wise ↗ · Display estimate from Wise — confirm the final rate and fee on Wise before sending.
Related guides
Detailed transfer fee and payment guides
BEYOND TRANSFERS