Home Compare Money transfer Sending money abroad from Germany: transfer services compared Last checked 27 September 2026
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In short If you are sending euros to another EU country, a normal SEPA transfer from your own bank is usually all you need. EU rules say it must cost the same as a domestic euro transfer. For other currencies, compare the total amount your recipient gets after fees and the exchange-rate markup. Wise is transparent for bank-to-bank transfers, and Remitly or WorldRemit can be better when your family needs cash pickup or mobile money.
New to this? Read the guide first: Money transfers
Options for newcomers 1.
Wise Good for bank-to-bank transfers in other currencies It shows the fee and amount received before you send, and holds balances in many currencies.
Good for
Sending money abroad with the fee shown upfront Receiving money in several currencies with local account details Support available in many languages Watch out
Not a bank: balances are safeguarded, not covered by a deposit guarantee Not a full replacement for a German Girokonto for everything (check before using it for rent or salary) 2.
Remitly Good for regular remittances to family A remittance specialist serving 175+ countries that shows the receive amount upfront.
Good for
Regular remittances to family abroad Comparing the receive amount before you pay Watch out
Fees and exchange rates vary by corridor and delivery method, so compare the final amount received 3.
WorldRemit Good if your recipient has no bank account It offers cash pickup, mobile money and airtime top-ups as well as bank transfers.
Good for
Recipients without a bank account (cash pickup or mobile money) Mobile airtime top-ups for family abroad Watch out
Paying by credit card can add a fee from your card issuer Delivery options differ by country, so check your corridor 4.
Revolut Good if you already use Revolut as your account It is convenient for occasional transfers from an account you already have. Compare the final amount with the others.
Good for
Spending and holding several currencies A German IBAN for salary and direct debits (for residents of Germany) Travel and card payments abroad Watch out
Revolut Bank UAB is licensed in Lithuania, so the Lithuanian deposit guarantee applies, not the German one Paid plans bundle extras you may not need. Compare what the free plan covers first How we compared Criterion Weight Why it matters Total cost to the recipient Most important The fee plus the exchange-rate markup, shown as the amount received. Compare this, not the headline fee. Delivery options Most important Bank account, cash pickup, mobile money or airtime. What works depends on the destination country. Transparency Important Whether fees and rates are shown before you pay. English Nice to have All four services work in English.
Rates move daily. Check the amount received on the day you send, not a past quote. Conditions change. Check the current terms on the provider's website before you sign up. See our editorial policy .
Sources Rules can change. These are the pages we checked — they have the final word. How we check facts