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Germany money transfer guide

Check which details to request from the recipient and what to confirm with your provider before sending the payment.

Plan your transfer

Sending from
Sending to
Germany · EUR
GBP
Estimated receipt
11,986.03 EUR
1 GBP = 1.198603 EUR
Updated · 2026-11-06T21:59:00Z
Adjust fees and rate
The fee is deducted before conversion. Your provider’s rate and any intermediary or receiving bank charges may change the final amount.
This indicative rate is for comparison. Ask your provider for an executable quote.

What does a EUR invoice cost to fund?

These examples show the sending amount for a fixed invoice at the indicative market rate, before fees. Open a route to calculate your own amount.

Sending from 500 EUR2,500 EUR10,000 EUR
United Kingdom 417.15 GBP2,085.76 GBP8,343.04 GBP
United States 557.00 USD2,784.99 USD11,139.95 USD
Australia 811.16 AUD4,055.81 AUD16,223.22 AUD
Canada 786.92 CAD3,934.60 CAD15,738.41 CAD

What bank details do I need to send money to Germany?

A German IBAN starts with DE and has 22 characters. Get it from the recipient’s current bank details. For a euro payment, ask whether the provider can deliver by SEPA and quote the full amount the recipient will receive.

International bank transfers to Germany

Before setting up a beneficiary, find out whether the payment will arrive as a local bank deposit or an international wire. Ask for the receiving bank’s instructions for that method and for EUR. Check whose name should appear on the account, especially when paying a solicitor or a business.

Sending money online to Germany

When comparing a bank app with an online transfer service, enter the same total budget in both. Check how you can fund the payment, when the exchange rate becomes binding and whether the provider can tell you the final amount in EUR before you confirm.

How to pay an exact amount in EUR

For tuition, rent or an invoice, start with the sum the recipient needs to receive. Request a price for delivering that amount and ask who covers any deductions along the way. For a recurring payment, check when the rate is set for each instalment.

Before you send the first payment

  • Rent or a deposit. Ask the landlord which reference identifies your tenancy. For a deposit due on a specific date, check when the funds must reach the account and keep the bank confirmation with your lease.
  • Paying a supplier. Check whether the invoice requires payment in EUR. If it does, ask for a quote for the exact invoice total and agree who will cover any deductions before approving it.
  • Family support. If your recipient budgets in EUR, compare the cost of delivering the same monthly amount. Check whether the provider fixes the exchange rate when you schedule the payment or when it sends it.

Currency facts

  • On a payment worth 10,000 EUR at the market rate, a rate 1% lower would deliver 100 EUR less before fees.

Transfer guides

Checking the IBAN

For a locally issued IBAN in this destination, the registered prefix is DE and the length is 22 characters without spaces. Compare the full number with the recipient’s bank document. Matching the format alone does not confirm who owns the account.

How much will arrive?

Give each provider the same total budget, including fees, and ask how much will arrive in EUR. Check whether intermediary or receiving-bank fees can still be deducted. For a fixed invoice, work backwards from the exact amount due and compare the total you would pay.

Working to a deadline

Ask for the date the beneficiary can use the funds. Confirm the funding deadline in your time zone and whether a weekend, local holiday or identity check changes the estimate. For a first payment, complete any checks before agreeing a delivery date with the recipient.

Invoices and large transfers

Check the provider’s transfer limit and your bank’s funding limit separately. Ask which documents are needed for this payment, such as an invoice or proof of the source of funds. For new or amended supplier details, call the supplier on a number already in your records before authorising payment.

Regular payments

For rent, pensions or family support, decide which amount must stay fixed each month: the sum leaving your account or the sum received in EUR. Ask when the rate is set for each payment, how to change the instruction and what happens if the funding date falls on a holiday.

Tracking a delayed payment

Keep the quoted rate, receipt, payment reference and expected arrival date. If the deadline passes, ask the sending provider to trace the transfer and give the recipient the reference for their bank. If any account detail is wrong, contact the provider immediately before sending further funds.

Official sources Deutsche Bundesbank ↗ Swift · IBAN Registry ↗ World Bank · Remittance Prices Worldwide ↗

Transfer routes

United Kingdom → Germany1 GBP = 1.1986 EURUnited States → Germany1 USD = 0.8977 EURAustralia → Germany1 AUD = 0.6164 EURCanada → Germany1 CAD = 0.6354 EURIndia → Germany1 INR = 0.0095 EUR
Sending from…
Afghanistan → Germany1 AFN = 0.0138 EURAlbania → Germany1 ALL = 0.0110 EURAlgeria → Germany1 DZD = 0.0066 EURAndorra → Germany1 EUR = 1.0000 EURAndorra → Germany1 EUR = 1.0000 EURAndorra → Germany1 EUR = 1.0000 EURAndorra → Germany1 EUR = 1.0000 EURAndorra → Germany1 EUR = 1.0000 EURAndorra → Germany1 EUR = 1.0000 EURAngola → Germany1 AOA = 0.0010 EURAnguilla → Germany1 XCD = 0.3322 EURAntigua & Barbuda → Germany1 XCD = 0.3322 EURArgentina → Germany1 ARS = 0.0006 EURArmenia → Germany1 AMD = 0.0025 EURAruba → Germany1 AWG = 0.4987 EURAustria → Germany1 EUR = 1.0000 EURAzerbaijan → Germany1 AZN = 0.5280 EURBahamas → Germany1 BSD = 0.8977 EURBahrain → Germany1 BHD = 2.3789 EURBangladesh → Germany1 BDT = 0.0072 EURBarbados → Germany1 BBD = 0.4488 EURBelarus → GermanyBYR / EURBelgium → Germany1 EUR = 1.0000 EURBelize → Germany1 BZD = 0.4464 EURBenin → Germany1 XOF = 0.0015 EURBenin → Germany1 XOF = 0.0015 EURBermuda → Germany1 BMD = 0.8977 EURBhutan → Germany1 INR = 0.0095 EURBolivia → Germany1 BOB = 0.0815 EURBosnia & Herzegovina → Germany1 BAM = 0.5129 EURBotswana → Germany1 BWP = 0.0652 EURBouvet Island → Germany1 NOK = 0.0948 EURBrazil → Germany1 BRL = 0.1630 EURBritish Indian Ocean Territory → Germany1 USD = 0.8977 EURBrunei → Germany1 BND = 0.7006 EURBulgaria → Germany1 BGN = 0.5112 EURBurkina Faso → Germany1 XOF = 0.0015 EURBurundi → Germany1 BIF = 0.0003 EURCambodia → Germany1 KHR = 0.0002 EURCameroon → Germany1 XAF = 0.0015 EURCape Verde → Germany1 CVE = 0.0090 EURCayman Islands → Germany1 KYD = 1.0771 EURCentral African Republic → Germany1 XAF = 0.0015 EURChad → Germany1 XAF = 0.0015 EURChile → Germany1 CLP = 0.0009 EURChina → Germany1 CNY = 0.1345 EURChristmas Island → Germany1 AUD = 0.6164 EURCocos (Keeling) Islands → Germany1 AUD = 0.6164 EURColombia → Germany1 COP = 0.0003 EURComoros → Germany1 KMF = 0.0020 EURCongo - Kinshasa → Germany1 XAF = 0.0015 EURCook Islands → Germany1 NZD = 0.4978 EURCosta Rica → Germany1 CRC = 0.0020 EURCroatia → Germany1 HRK = 0.1327 EURCuba → Germany1 CUP = 0.0349 EURCyprus → Germany1 EUR = 1.0000 EURCzechia → Germany1 CZK = 0.0411 EURDenmark → Germany1 DKK = 0.1338 EURDjibouti → Germany1 DJF = 0.0051 EURDominica → Germany1 XCD = 0.3322 EURDominican Republic → Germany1 DOP = 0.0148 EUREcuador → Germany1 USD = 0.8977 EUREcuador → Germany1 USD = 0.8977 EUREcuador → Germany1 USD = 0.8977 EUREcuador → Germany1 USD = 0.8977 EUREcuador → Germany1 USD = 0.8977 EUREgypt → Germany1 EGP = 0.0167 EUREl Salvador → Germany1 SVC = 0.1026 EUREquatorial Guinea → Germany1 XAF = 0.0015 EUREritrea → Germany1 ERN = 0.0598 EUREstonia → GermanyEEK / EUREswatini → Germany1 SZL = 0.0542 EUREthiopia → Germany1 ETB = 0.0055 EURFalkland Islands → Germany1 FKP = 1.1986 EURFaroe Islands → Germany1 DKK = 0.1338 EURFiji → Germany1 FJD = 0.3980 EURFinland → Germany1 EUR = 1.0000 EURFrance → Germany1 EUR = 1.0000 EURFrench Guiana → Germany1 EUR = 1.0000 EURFrench Polynesia → Germany1 XPF = 0.0084 EURGabon → Germany1 XAF = 0.0015 EURGambia → Germany1 GMD = 0.0120 EURGeorgia → Germany1 GEL = 0.3459 EURGhana → Germany1 GHS = 0.0768 EURGibraltar → Germany1 GIP = 1.1986 EURGreece → Germany1 EUR = 1.0000 EURGreenland → Germany1 DKK = 0.1338 EURGrenada → Germany1 XCD = 0.3322 EURGuadeloupe → Germany1 EUR = 1.0000 EURGuadeloupe → Germany1 EUR = 1.0000 EURGuam → Germany1 USD = 0.8977 EURGuatemala → Germany1 GTQ = 0.1175 EURGuernsey → Germany1 GBP = 1.1986 EURGuinea → Germany1 GNF = 0.0001 EURGuinea → Germany1 PGK = 0.1998 EURGuinea-Bissau → Germany1 XOF = 0.0015 EURGuyana → Germany1 GYD = 0.0043 EURHaiti → Germany1 HTG = 0.0068 EURHeard & McDonald Islands → Germany1 AUD = 0.6164 EURHonduras → Germany1 HNL = 0.0332 EURHong Kong SAR China → Germany1 HKD = 0.1145 EURHungary → Germany1 HUF = 0.0028 EURIceland → Germany1 ISK = 0.0073 EURIndonesia → Germany1 IDR = 0.0000 EURIraq → Germany1 IQD = 0.0006 EURIreland → Germany1 EUR = 1.0000 EURIsle of Man → Germany1 GBP = 1.1986 EURIsrael → Germany1 ILS = 0.2818 EURItaly → Germany1 EUR = 1.0000 EURJamaica → Germany1 JMD = 0.0057 EURJapan → Germany1 JPY = 0.0057 EURJersey → Germany1 GBP = 1.1986 EURJordan → Germany1 JOD = 1.2661 EURKazakhstan → Germany1 KZT = 0.0020 EURKenya → Germany1 KES = 0.0069 EURKiribati → Germany1 AUD = 0.6164 EURKorea South → Germany1 KRW = 0.0007 EURKuwait → Germany1 KWD = 2.8864 EURKyrgyzstan → Germany1 KGS = 0.0103 EURLaos → Germany1 LAK = 0.0000 EURLatvia → GermanyLVL / EURLebanon → Germany1 LBP = 0.0000 EURLesotho → Germany1 ZAR = 0.0543 EURLiberia → Germany1 LRD = 0.0053 EURLibya → Germany1 LYD = 0.1396 EURLiechtenstein → Germany1 CHF = 1.0939 EURLithuania → GermanyLTL / EURLuxembourg → Germany1 EUR = 1.0000 EURMacao SAR China → Germany1 MOP = 0.1112 EURMadagascar → Germany1 MGA = 0.0002 EURMalawi → Germany1 MWK = 0.0005 EURMalaysia → Germany1 MYR = 0.2210 EURMaldives → Germany1 MVR = 0.0581 EURMali → Germany1 XOF = 0.0015 EURMalta → Germany1 EUR = 1.0000 EURMarshall Islands → Germany1 USD = 0.8977 EURMartinique → Germany1 EUR = 1.0000 EURMauritania → GermanyMRO / EURMauritius → Germany1 MUR = 0.0191 EURMayotte → Germany1 EUR = 1.0000 EURMexico → Germany1 MXN = 0.0482 EURMoldova → Germany1 MDL = 0.0502 EURMonaco → Germany1 EUR = 1.0000 EURMongolia → Germany1 MNT = 0.0002 EURMontenegro → Germany1 EUR = 1.0000 EURMontserrat → Germany1 XCD = 0.3322 EURMorocco → Germany1 MAD = 0.0918 EURMozambique → Germany1 MZN = 0.0140 EURMyanmar (Burma) → Germany1 MMK = 0.0004 EURNamibia → Germany1 ZAR = 0.0543 EURNauru → Germany1 AUD = 0.6164 EURNepal → Germany1 NPR = 0.0059 EURNetherlands → Germany1 EUR = 1.0000 EURNetherlands Antilles → Germany1 ANG = 0.5015 EURNew Caledonia → Germany1 XPF = 0.0084 EURNew Zealand → Germany1 NZD = 0.4978 EURNew Zealand → Germany1 NZD = 0.4978 EURNicaragua → Germany1 NIO = 0.0244 EURNiger → Germany1 XOF = 0.0015 EURNigeria → Germany1 NGN = 0.0007 EURNiue → Germany1 NZD = 0.4978 EURNorfolk Island → Germany1 AUD = 0.6164 EURNorthern Mariana Islands → Germany1 USD = 0.8977 EURNorth Korea → Germany1 KPW = 0.0010 EURNorth Macedonia → Germany1 MKD = 0.0163 EURNorway → Germany1 NOK = 0.0948 EURNorway → Germany1 NOK = 0.0948 EUROman → Germany1 OMR = 2.3346 EURPakistan → Germany1 PKR = 0.0032 EURPalau → Germany1 USD = 0.8977 EURPanama → Germany1 PAB = 0.8977 EURParaguay → Germany1 PYG = 0.0001 EURPeru → Germany1 PEN = 0.2606 EURPhilippines → Germany1 PHP = 0.0142 EURPoland → Germany1 PLN = 0.2276 EURPortugal → Germany1 EUR = 1.0000 EURPuerto Rico → Germany1 USD = 0.8977 EURQatar → Germany1 QAR = 0.2464 EURRomania → Germany1 RON = 0.1873 EURRussia → Germany1 RUB = 0.0109 EURRwanda → Germany1 RWF = 0.0006 EURRéunion → Germany1 EUR = 1.0000 EURSamoa → Germany1 USD = 0.8977 EURSamoa → Germany1 WST = 0.3263 EURSan Marino → Germany1 EUR = 1.0000 EURSaudi Arabia → Germany1 SAR = 0.2391 EURSenegal → Germany1 XOF = 0.0015 EURSerbia → Germany1 RSD = 0.0085 EURSeychelles → Germany1 SCR = 0.0644 EURSierra Leone → Germany1 SLL = 0.0000 EURSingapore → Germany1 SGD = 0.6998 EURSlovakia → Germany1 EUR = 1.0000 EURSlovenia → Germany1 EUR = 1.0000 EURSolomon Islands → Germany1 SBD = 0.1115 EURSomalia → Germany1 SOS = 0.0016 EURSouth Africa → Germany1 ZAR = 0.0543 EURSpain → Germany1 EUR = 1.0000 EURSri Lanka → Germany1 LKR = 0.0027 EURSt. Helena → Germany1 SHP = 1.1986 EURSt. Kitts & Nevis → Germany1 XCD = 0.3322 EURSt. Lucia → Germany1 XCD = 0.3322 EURSt. Pierre & Miquelon → Germany1 EUR = 1.0000 EURSt. Vincent & Grenadines → Germany1 XCD = 0.3322 EURSudan → Germany1 SDG = 0.0015 EURSuriname → Germany1 SRD = 0.0239 EURSweden → Germany1 SEK = 0.0907 EURSwitzerland → Germany1 CHF = 1.0939 EURSyria → Germany1 SYP = 0.0001 EURSão Tomé & Príncipe → GermanySTD / EURTaiwan → Germany1 TWD = 0.0274 EURTajikistan → Germany1 TJS = 0.0973 EURTanzania → Germany1 TZS = 0.0003 EURThailand → Germany1 THB = 0.0267 EURTogo → Germany1 XOF = 0.0015 EURTokelau → Germany1 NZD = 0.4978 EURTonga → Germany1 TOP = 0.3728 EURTrinidad & Tobago → Germany1 TTD = 0.1324 EURTunisia → Germany1 TND = 0.3007 EURTurkmenistan → Germany1 TMT = 0.2565 EURTurks & Caicos Islands → Germany1 USD = 0.8977 EURTuvalu → Germany1 AUD = 0.6164 EURTürkiye → Germany1 TRY = 0.0179 EURUganda → Germany1 UGX = 0.0002 EURUkraine → Germany1 UAH = 0.0198 EURUnited Arab Emirates → Germany1 AED = 0.2444 EURUruguay → Germany1 UYU = 0.0223 EURUzbekistan → Germany1 UZS = 0.0001 EURVanuatu → Germany1 VUV = 0.0076 EURVenezuela → GermanyVEF / EURVietnam → Germany1 VND = 0.0000 EURWallis & Futuna → Germany1 XPF = 0.0084 EURWestern Sahara → Germany1 MAD = 0.0918 EURYemen → Germany1 YER = 0.0038 EURZambia → GermanyZMK / EURZimbabwe → Germany1 ZWL = 0.0028 EUR
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